How Much in a SIPP?

leahcim17

Interesting topic...

I have a very similar fund portfolio with just over 500k sat with iWeb which i'm comfortable with.
I don't let any individual fund go above 80k but never read anything conclusive that this really matters. In the end I'm managing 11 funds which is a pain.
My other half would have no idea if something happened to me so does it not make sense to go for 4 or less mixed asset funds that suit the risk / volatility level that suits?

One possible downside is that you can't dip into the bonds if cash is needed and the equities have crashed.

What is the maximum that others hold in an individual fund?

MPN

Mothman wrote: »

Equities
Vanguard FTSE Dev World excluding UK Index Acc - 34%
Vanguard global Small Cap Index Acc - 7%
LF Lindsell Train UK Equity Acc - 6%
JPM Emerging Markets B Acc - 6%
iShare Global Property Securities Equity Index - 4%
Diversifiers
Architas Diversified Real Assets Acc - 5%
Fixed Interest
Royal London Short Duration Gilts - 17%
Vanguard UK Government Bond Index Acc - 6%
Vanguard UK Inflation Linked Gilt Acc - 5%
L&G Global Inflation Linked Bond Index Acc - 10%

Trustnet only gives me performance figures for 3yrs but these would be 1yr 1.7% & 3yrs 34.2% (VLS60 = 1yr 1.5% & 3yrs 32.5%).please feel free to critique

Tend to agree with StellaN regarding your portfolio vs VLS60 or indeed the HSBC Global Strategy Balanced Fund. I prefer the HSBC fund overall not only because of lower charges but also the geographical balance leans more towards a world tracker (less UK) and it holds some corporate bonds.

Mothman

MPN wrote: »

Tend to agree with StellaN regarding your portfolio vs VLS60 or indeed the HSBC Global Strategy Balanced Fund. I prefer the HSBC fund overall not only because of lower charges but also the geographical balance leans more towards a world tracker (less UK) and it holds some corporate bonds.

Have looked at the HSBC fund before. I prefer their equity allocation to VLS but the big slug of corporate bonds has put me off in the past.

dunstonh

Mothman wrote: »

Have looked at the HSBC fund before. I prefer their equity allocation to VLS but the big slug of corporate bonds has put me off in the past.

HSBC GSB is comparable to VLS60. So, the fixed interest segments are similar. If you want less fixed interest holdings then move up the scale to the next one.

Mothman

dunstonh wrote: »

HSBC GSB is comparable to VLS60. So, the fixed interest segments are similar. If you want less fixed interest holdings then move up the scale to the next one.

It's not the amount of fixed interest it's the fact that most of the HSBC allocation is to corporate bonds. I guess it's down to personal preference as to your choice;

StellaN

The HSBC GS fund also holds property and is risk-targeted with re-balancing. I personally prefer the Dynamic fund to the Balanced but that's just my risk profile.

johnhemming

leahcim17 wrote: »

What is the maximum that others hold in an individual fund?

I don't hold any funds. I only hold quoted stocks. To be fair to some extent they end up behaving like funds when they are big enough, but I prefer to understand the investment rationale.