Share allocation - opinions welcome

avina

AlanP wrote: »

What is the endpoint though? Is this a retirement pot that you will start converting into cash over a period of years from say 2024, or for a one-off withdrawal to fund something specific?

How old are you, what pension arrangements do you have in place, situation as regards mortgage, dependants etc?

Hi Alan, as mentioned, I've no particular end point or reason aside from putting money away somewhere as opposed to spening it! Im mid-30s and have emergency cash aside in region of 5k, in a credit union account. As for pension I pay 8% of salary into a company pension which employer matches and have been doing this since 2000. I do have a mortgage which I am overpaying by 200 pcm. No loans no cc balance.

I appreciate all the comments. I'm really in two minds about increasing the bond allocation, although Im thinking about increasing to 20% rather than 40. Plus that has the added benefit of making me feel younger

Ryan_Futuristics

I'd say consider P2P lending as an alternative/adjunct to bonds

RateSetter is probably the easiest to get on with - it does seem like a very sensible alternative under such uncertain conditions

avina

Ryan_Futuristics wrote: »

I'd say consider P2P lending as an alternative/adjunct to bonds

RateSetter is probably the easiest to get on with - it does seem like a very sensible alternative under such uncertain conditions

I will. It's just a pity P2P cant be wrapped in an isa

InvestInPoker

avina wrote: »

It's just a pity P2P cant be wrapped in an isa

Coming soon apparently

agent69

InvestInPoker wrote: »

Coming soon apparently

Possibly coming in the Autumn, depending how the next election goes.