SIPP investment advice

SnoopyDog

AnotherJoe wrote: »

Then simply buy either an "ex-UK" (=excludes UK) global tracker along with an all-UK tracker in proportions that meet your required UK makeup, or you can buy global trackers that include the UK in its average global contribution, which is about 7% IIRC. ( Maybe thats the fidelity tracker ??? )

Yes, you're right that was the reason for the inclusion of the Fidelity Tracker.

SnoopyDog

dunstonh wrote: »

OK, so why are you building a bespoke portfolio with a random selection of funds?


VLS is not a tracker fund. It is a fettered fund of funds. You pay more because it is that and not a tracker.



What is the current economic climate and how have you structured your portfolio and fund selection to reflect that?

The professional model portfolio allocations are fluid and move around throughout the economic cycle. However, it tends to be more subtle changes. So, how is your sector allocations adjusted to meet what you believe is the current economic climate?

How does using funds of funds with a rigid allocation and a bunch of single sector funds work in achieving that? If you were building a model portfolio, you wouldnt normally use a multi-asset fund.

I thought the multiple fund option seemed like a suitable place to start. I was originally going to go for some of the popular funds on sites were you can see which have been the most invested etc recently ( I realise that is no more likely to succeed than anything else but it was a place to start). Then I read a few mentions of the monevater site and ended up using some ideas on there to build the portfolio and including the tracker funds.

I think the answers on here have put my mind at rest in that no one knows the future so my reference to economic climate are misguided and I just have to make my choices and see what happens like anyone else!!

dunstonh

I thought the multiple fund option seemed like a suitable place to start.

If you are building a structured portfolio based on a strategy and reasoning then it could be. If its random selection then it will likely end up in lower returns over the long term.

I was originally going to go for some of the popular funds on sites were you can see which have been the most invested etc

That is an awful way to invest. A lot of money pours into funds with good advertising methods. Especially those that know how to attract fashion investors.

The VLS is a multi-asset fund. It has the portfolio built for you. You are introducing management decisions because you must believe you can do a better job than Vanguard. You may well do so (as its not that difficult) but you are unlikely to do it without some structure.