Views please on £280k investment portfolio
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I'll throw another food for thought into the Mix. Sterling.
You can think about the performance of overseas shares all you like, but whether Sterling appreciates or depreciates against that currency the overseas shares in will often have the main effect on your portfolio performance.
Think about using hedged funds to reduce volatility.0 -
Why would an amateur think they can beat the markets?
Either go with an IFA, or go with a fund such as Vanguard Life Strategy.
Don't waste your time and money trying to do it yourself.
DIY is definitely not a waste of time.....but trying to beat the market is a waste of time for most people. So keep your investing simple and just used trackers. That way you don't need to pay an IFA or worry about beating the market.“So we beat on, boats against the current, borne back ceaselessly into the past.”0 -
Good luck with your investments. I've seen threads where experienced investors have indicated that when investing in large six figure portfolios, you should diversify more widely into assets classes like property and commodities. I presume that is to possibly lessen volatility in the event of a large equity crash, but I'm not sure if it would give you any better returns in the long run.
Owning property is a nice portfolio diversifier and can also provide income from rent. Commodities are too volatile for me so I just stick to equities indexes, bond indexes and my a rental property. I have seven figures in 3 index tracker funds and don't worry about diversity.“So we beat on, boats against the current, borne back ceaselessly into the past.”0 -
One more question... looking at geographic spread of a fund, for example Vanguard80, the various countries/regions rarely add to 100 - here is is about 94%. Where is the rest, given that only a small amount is being held in cash?Think about using hedged funds to reduce volatility.0
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aroominyork wrote: »One more question... looking at geographic spread of a fund, for example Vanguard80, the various countries/regions rarely add to 100 - here is is about 94%. Where is the rest, given that only a small amount is being held in cash?
However, just browsing their site normally and searching for Lifestrategy 80 I can see that HL is only giving a top ten of holdings and country exposures. So, you are right - if you add them up you won't get to 100% coverage of the portfolio unless they only had 10 or fewer holdings or major country exposures.
Just get the proper factsheet off the Vanguard website, or use a free fund data service like Trustnet.com or Morningstar. Certainly on the Vanguard site you can see all the (more than ten) Vanguard funds that it invests in and you can look up those funds and dig down further if you like.0 -
aroominyork wrote: »One more question... looking at geographic spread of a fund, for example Vanguard80, the various countries/regions rarely add to 100 - here is is about 94%. Where is the rest, given that only a small amount is being held in cash?
To combine this with bostonerimus' advice, are there good hedged trackers? Vanguard's list doesn't include any.
Hedged trackers ?????
There's no need to make this more complicated than it needs to be. There is an enormous fund universe out there an an infinite set of possible portfolios, the trick is to sensibly restrict your decision space so you are not paralyzed by choice.“So we beat on, boats against the current, borne back ceaselessly into the past.”0 -
aroominyork wrote: »One more question... looking at geographic spread of a fund, for example Vanguard80, the various countries/regions rarely add to 100 - here is is about 94%. Where is the rest, given that only a small amount is being held in cash?
To combine this with bostonerimus' advice, are there good hedged trackers? Vanguard's list doesn't include any.
You can get information straight from the horse's mouth here
https://www.vanguard.co.uk/uk/portal/investments/all-products
Though some of it seems to be missing at the moment:cool:0 -
Re geographic spread I am looking at the map of the world with the percentages shown for each country (USA, UK and Japan) or region and adding them. That it what totals under 100, sometimes significantly so.
I think this comes down to 'other' investments, eg on Man GLG European Growth the fund analysis on this page shows 16.69% Other which is not reflected on this map. So what is Other and how do I take it into account when looking at geographic spread of a portfolio?0 -
I know its a volatile fund but for Japan maybe look at Legg Mason Japan, it has blown the doors off for long periods, if you can stand the volatility.0
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