Where should I start?

DireEmblem

Thanks for the comments - for clarification on risk, a S&S ISA is not going to be more than 25% of my regular savings, hence risk appetite. Given the other 75% is effectively in cash equivalent then yes I may rethink holding a bond fund, but I think I do have diversity here. 40% emerging markets, 20% UK and the other 40% in worldwide securities is not a bad mix imo. Yes funds and makeup are still to be decided, and I plan to spend the next month in doing this, building up a 5-10-15 year plan.

I will check out ftse 250 trackers or uk smaller companies, that does sound like a good idea, to ignore the ftse 100

AndyT678

DireEmblem wrote: »

40% emerging markets, 20% UK and the other 40% in worldwide securities is not a bad mix imo.

I think you might be one of a very small minority who hold that opinion...

The first time I went to India I was amazed at the vibrancy and massive potential that seemed to be on offer there. Then I realised that whilst that was a revelation for me, millions of other people had already recognised it and priced it in to the valuations of all the businesses operating there anyway.

jimjames

I think I'd prefer to have my risk balanced with higher equities and lower cash but more diversified than that.


I do have quite high EM exposure but still only 15-20%

AnotherJoe

greenglide wrote: »

The FTSE250 is the 101th to the 350th companies in the index as you say.

The FTSE350 is the 1st to 350th - essentially the FTSE100 + the FTSE250.

The FTSE250 is really, really badly named!

Thanks, I didnt realise that i thought it was 101 to 460.

FTSE250 would suit the OP then.

bigadaj

When you describe the ftse100 as that high risk index, dominated by commodities, financials and emerging market exposure it looks quite attractive in the longer term.

Unfortunately the reality is that it has performed terribly for long periods of time, maybe that's a warning that higher risk doesn't always lead to higher returns.