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ColdIron

Novice_investor101 wrote: »

Currently DIY invested in:
ISA - L&G International index 90%, L&G technology index 10%

LISA - Vanguard global all cap 100%

Just an observation but there is virtually no UK in that set, may work out OK but a lot of currency risk

Where are you getting 0.50% on cash in a S&S ISA? Many pay nothing and that is a higher rate than I'm aware of. If you are keeping cash on the side for some opportunistic investing but are considering moving that cash to something that would 'mostly hold it's value' in the meantime, be aware that you are exchanging the safety of cash and a guaranteed interest return for risk and a cost: the fund OCF plus whatever your platform charges for holding (or buying and selling) it

If £1.5k is your cash high watermark then the difference between 0.50% and a 1.50% savings account will be less than fifteen quid even if you held it over a year

A fund with risk plus associated charges over cash doesn't sound like a good swap to me

Novice_investor101

ColdIron wrote: »

Just an observation but there is virtually no UK in that set, may work out OK but a lot of currency risk

Where are you getting 0.50% on cash in a S&S ISA? Many pay nothing and that is a higher rate than I'm aware of. If you are keeping cash on the side for some opportunistic investing but are considering moving that cash to something that would 'mostly hold it's value' in the meantime, be aware that you are exchanging the safety of cash and a guaranteed interest return for risk and a cost: the fund OCF plus whatever your platform charges for holding (or buying and selling) it

If £1.5k is your cash high watermark then the difference between 0.50% and a 1.50% savings account will be less than fifteen quid even if you held it over a year

A fund with risk plus associated charges over cash doesn't sound like a good swap to me

I have a bit of UK in my pension, the Vanguard fund does a hold bit as well, and I also have a share incentive plan shares in a UK based company worth about £10k. That's enough UK, for me!
I moved my ISA to Aviva as the platform charges were less, I got a special deal on their DIY platform of 0.2% and they pay 0.5% on cash balances in the ISA - so 0.3% gain on any cash, which would still be beaten by a savings account. The only annoying thing with Aviva so far is that their debit card payments in aren't available to invest straight away, which is another reason why I've been paying it in as I've got it and holding as cash.

Your comparison makes, and is the dash of impartial reality I needed!

ColdIron

Novice_investor101 wrote: »

That's enough UK, for me!

No worries, if that is one of your objectives then you've achieved it