Opinion/Advice....Any welcome

badger09

May I suggest you and your wife read this

http://monevator.com/category/investing/passive-investing-investing/

copthis1

I've muffed up. :mad:

In my original post I said i'd put £3000 into Lindsell Train Global Equity Acc, but actually put it in the UK version in error.

Is it worth leaving it in there and moving £3000 into the global one as well or moving £3000 back from the UK to the intended Global one.

If I do put money into the Global one it will be taken from the Wealthbuilder fund.

AnotherJoe

Did you want £3k invested in the UK? Seems initially you didn't, so unless somethings changed, why would you leave it there?

bostonerimus

If you just had a global equity index tracker and a global bond tracker this would be so much simpler.......and cheaper.

Audaxer

bostonerimus wrote: »

If you just had a global equity index tracker and a global bond tracker this would be so much simpler.......and cheaper.

or even just a passive multi asset global fund with preferred equity/bond ratio.

enthusiasticsaver

I am also a novice investor but choosing funds and strategies and which geographical area/industry sector to go for is beyond my expertise at the moment although I am constantly reading up to become more informed. For that reason I put half my retirement assets (disregarding pensions) in stocks and shares isas in the Vanguard LS 60 multi asset fund as it is globally diversified both in terms of area and sectors. It isn't the best performing fund out there but it is popular, lots of information on it and it has been doing significantly better than savings accounts so I am happy with that.

I have heard of many of the funds you have invested in but without drilling down and finding out which sectors and areas they invest in I don't know how diversified they are. Also if you want to keep a balanced portfolio as many people say you should to minimise risk would you not need to keep examining it every year or so and buy or sell units to keep it balanced according to how much it had gone up or down? With a global multi asset fund - Vanguard LS, Blackrock Consensus, Legal and General multi asset you would not need to do that. I am also guilty of keeping too much in cash and I would say both you and your wife need to look again at how much you are keeping in those Virgin cash isas. I am aiming eventually to keep 5 years shortfall of income over expenditure (after taking pension into account) and keeping that in cash for paying for holidays, new car, home improvements. Presumably you are a way off retirement so no need for large cash balance or are you planning on retiring early?