Help me choose a Global Fund?

twotonealex

Evening All,

Following many of your contributions to my previous thread, where I looked to gain opinions on whether I should reduce my Fever Tree holding, it was kindly pointed out that even though my intentions were in a good place, I was stupid to spread around £3500 (not including fever tree) across multiple tech, asia & emerging markets funds, based on the size of the amounts and the cost of the fees!

I have, for the moment, decided to keep my holding in Fever Tree, however this is something I will reduce in the near future.

From reading various threads, and a few suggestions, I'm looking at consolidating these funds (now I've requested the sale via HL) into a Global Fund, equity was suggested.

I've listed a few I've looked into below, but looking to see if anyone has any alternative suggestions or any feedback on any?

Architas Birthstar 2046-50
Baillie Gifford Global Alpha Growth
Black Rock Consensus 100
Black Rock Consensus 85
Black Rock Consensus 60
HSBC Global Strategy Balanced Portfolio
Vanguard Life Strategy 80% equity
Vanguard Life Strategy 60% equity

I'm 27, the purpose of this SIPP is to play a small part in bridging the 10 year gap between my desired retirement age of 55, and the drawing age of 65 of my CS Alpha pension.

I have seen a lot of talk of the VLS funds above. I overall want as good all round growth as possible, anything anyone can suggest is appreciated.

Please keep it constructive, I don't profess to be a master of any of this, I'm just trying to build on the 33.01% growth I've had in the last 12 months and future proof it with something a bit more sensible.

Thanks for any help you can provide!
Alex

bostonerimus

Do you want an active or indexing approach, answer that and you'll reduce your choices.

twotonealex

Thanks Bostonerimus.

I understand the difference (correct me if I'm wrong), index tracks the various indexes, active is actively managed to try and keep ahead/on the curve.

The problem is I don't know what is more beneficial to me/pros VS cons.

A_T

What about Vanguard Target Retirement 2045 Fund?

BLB53

Looking longer term I would suggest have a look at Scottish Mortgage Trust on the basis it has done well for me over past few years and I expect outperformance to continue.

For more detail, here's a recent report from DIY Investor
http://diyinvestoruk.blogspot.com/2018/05/scottish-mortgage-full-year-results.html

Audaxer

The funds you have listed have various risk profiles as some are 60% equities and some around 100% equities. You need to decide how much risk/volatility to want or are able to cope with before deciding on the fund.

twotonealex

I'm open to either 60% or 80% rather than 100%. Thanks!

Alexland

twotonealex wrote: »

I'm open to either 60% or 80% rather than 100%. Thanks!

Ask yourself what is the maximum likey paper loss you can tollerate seeing during a crash? 25%, 40% or 50%+?

Alex

si2winit

I have about 60% of my fund in blackrock long term class 8 fund. Being seeing about 10% growth a year.

Also have 40% in blackrock excluding UK fund (moved this a few years back with the Scottish independence referendum on the horizon. It’s made about 13% growth each year and I have left it as is.

twotonealex

Alexland wrote: »

Ask yourself what is the maximum likey paper loss you can tollerate seeing during a crash? 25%, 40% or 50%+?

Alex

I guess 40%? I'm looking for a fund to see me through the next decade (obviously I'll change when required).

40% is the sweet spot.

Thanks,
Alex :beer:

Lungboy

Maybe look at things like Vanguard FTSE global all cap, or the hsbc and fidelity equivalents.