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How Many funds are too many?

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  • Alexland
    Alexland Posts: 10,183 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    For balanced at that value I would skip multi asset funds and anything expensive and put 60% in HSBC FTSE All World (0.16%) and 40% in Vanguard Global Bond Fund Hedged (0.15%). Then rebalance with new contributions. iWeb might be cost effective if you have the full £20k at the start of each tax year.
  • Alexland wrote: »
    For balanced at that value I would skip multi asset funds and anything expensive and put 60% in HSBC FTSE All World (0.16%) and 40% in Vanguard Global Bond Fund Hedged (0.15%). Then rebalance with new contributions. iWeb might be cost effective if you have the full £20k at the start of each tax year.

    Yes, K.I.S.S. This is my sort of portfolio.
    “So we beat on, boats against the current, borne back ceaselessly into the past.”
  • Alexland
    Alexland Posts: 10,183 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    Yes, K.I.S.S. This is my sort of portfolio.

    Yes thought you might like it. Basicly gives you VLS60 with lower average OCF and transaction costs and no UK bias on the equities but still the currency hedging stability on the bonds.

    Alex
  • dunstonh wrote: »
    What asset allocation model are you working to achieve? I cant see an obvious one from your selection. Or is it all b it random? (be honest, if it is)

    Yes it is a bit random (picked from various "ones to watch" lists)

    If its £1000 pm (and not £500k) then you only need one multi-asset fund.

    Yes a £1000 at that moment (waiting on a house sale for the bulk)

    Your spread overall doesnt quite fit your risk profile as you call it. You may like it but do you accept the volatility that goes with it? I like it too as a fund. However, on portfolios I have included it, I have had to adjust the weightings in other areas to counter the increased risk. As the US is unlikely to be the best area in the next cycle, is it worth doing that? (I said no on my portfolios but that is just my opinion).

    Yes, from your comments I'll let the Baillie Gifford drop to much lower % of the whole, it does give the US a far greater weighting than I had realized.

    Once again thanks for your comments, I'm learning with each step. :T
  • Chrism03 wrote: »
    Once again thanks for your comments, I'm learning with each step. :T

    Take a look at the "Alexland 2 fund portfolio". It has a lot going for it.
    “So we beat on, boats against the current, borne back ceaselessly into the past.”
  • aroominyork
    aroominyork Posts: 3,314 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 16 February 2019 at 2:01PM
    Take a look at the "Alexland 2 fund portfolio". It has a lot going for it.
    It’s worth pointing out to the OP the difference between Alex’s suggested equity fund and LifeStrategy. LS has a bias towards the UK (about 22%); Alex’s suggestion has the UK at its true share of global markets (about 5%). That’s a choice for you to make: purists generally go for the latter.
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