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My First S&S ISA - Are these sensible fund choices/platform?
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Agreed the allocations look a bit random, otherwise I'd expect non-10%ers and inclusion of Asia, Europe, Smaller caps etc.
Don't get why the OP hasn't just plonked it all in VLS. It'd be easier for them.0 -
MayhemMoney said:OK I made HSBC FTSE All World Index Fund Acc my monthly saver, shall I switch the other indexes I hold all into the same fund too?It really depends what asset allocation you are trying to achieve but whatever you are doing I would keep your existing and new contributions the same (unless you are using new contributions to gradually rebalance the portfolio). Going 100% equities will be volatile with potential drops of around 50% during bad market crashes. Often people will diversify by holding other asset types including bonds, property, gold, etc.0
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