S&S ISA help

art200380

Hi

I have a S&S ISA with Interactive Investor that I started approx. 4-4.5 years ago.

I currently have £82k in it, which is invested in 15 FTSE 100 blue chip stocks and I've elected to reinvest the dividends.

I check it every day but don't trade every day - I typically only trade maybe once or twice per month, if the share increases by more than a limit which I believe to be a good return.

Now that it's getting towards a decent size, I've been reading a lot on these forums lately specifically a thread in the pensions section re a man who invested £33k and ended up with £20k (ish) and I don't want to follow his example.

How do you suggest I diversify this S&S ISA? ETF's and IT's? I would gladly move some to EFT's/IT's so long as they have low management charges. How is best to move some of this in to funds - by drip feeding it in over a set period?

I plan to keep contributing £12-15k per year in to this.

I have no plans for this ISA and don't need an income from it, so am happy to reinvest dividends, other than retirement funds really.

I am 36 and also contribute into a defined contribution pension through work, which is also invested in equities.

Any help would be appreciated!

Andy

bigadaj

Fifteen shares does provide some diversification, more of a problem for me is the fact that you are uk only.

The U.K., and the ftse 100 in particular, has been a very poor performer for a number of years, the us has been returning far higher as have many other markets.

I'd want soem international exposure, the us has around 50% of world stock markets by value, with the U.K. At less than 10%.

You presumably have a fairly high risk tolerance so are happy with a high exposure to equities, so just a case of working out your allocation by region, and potentially by sector.