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Portfolio Help!

ger88
Posts: 11 Forumite

Hi. Was looking for some input and help with my possible ISA portfolio choices please! Money will not need accessed for +10years but I don’t want 100% equities either to balance some risk. I’m a complete novice and have only built up knowledge by reading lots recently so please go easy.
Core - Passives - 1 fund
VLS80 vs Blackrock 85 vs a HSBC equivalent (what can you recommend?)
Actively managed - 2 funds
Fundsmith vs LTGE vs Rathbone Global opp vs others options?
Actively managed - 1 fund
One of the Bailie Gifford funds - options?
Technology
Polar vs Axa vs L&G vs other options?
And finally possibly add some sort of bond fund maybe
Royal London Sterling vs Jupiter strat bonds vs other options?
Gives me 5 or 6 funds in total. My logic is to have a core passive tracker for my PF then the rest as branches to that tree. Could I use the same PF for a SIPP? Or would you change the risk levels as my SIPP won’t be accessed for 25 years.
Any help appreciated. Thanks
Core - Passives - 1 fund
VLS80 vs Blackrock 85 vs a HSBC equivalent (what can you recommend?)
Actively managed - 2 funds
Fundsmith vs LTGE vs Rathbone Global opp vs others options?
Actively managed - 1 fund
One of the Bailie Gifford funds - options?
Technology
Polar vs Axa vs L&G vs other options?
And finally possibly add some sort of bond fund maybe
Royal London Sterling vs Jupiter strat bonds vs other options?
Gives me 5 or 6 funds in total. My logic is to have a core passive tracker for my PF then the rest as branches to that tree. Could I use the same PF for a SIPP? Or would you change the risk levels as my SIPP won’t be accessed for 25 years.
Any help appreciated. Thanks
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Comments
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“And finally possibly add some sort of bond fund maybe”You will get bond exposure in your multi-asset fund, adding something separately just upsets the balance and requires more trimming.0
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Why don’t you just keep it simple and decide on one of the VLS or BlackRock Consensus funds? Decide which equity/bond proportion you want.As time goes on you can think about adding smaller ‘satellite’ funds to sit alongside your core fund, but for now stop dilly dallying and invest in the all important core fund!"If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes” Warren Buffett
Save £12k in 2025 - #024 £1,450 / £15,000 (9%)2 -
Thanks for the response. Ok so I can remove that last bond fund and diversify with the multi-asset.I have too much cash sitting around waiting to be invested so been doing as much research as I can and that’s why I’m happy to drip feed into lots of different funds straight away0
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ger88 said:Thanks for the response. Ok so I can remove that last bond fund and diversify with the multi-asset.I have too much cash sitting around waiting to be invested so been doing as much research as I can and that’s why I’m happy to drip feed into lots of different funds straight away
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Enough to max out both mine and my wife’s ISA allowance for this year straight away but rather drip feed. Remaining savings will be put to other uses0
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ger88 said:Enough to max out both mine and my wife’s ISA allowance for this year straight away but rather drip feed. Remaining savings will be put to other uses1
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ger88 said:VLS80 vs Blackrock 85 vs a HSBC equivalent (what can you recommend?)
https://www.hsbc.co.uk/investments/isas/hsbc-global-strategy-portfolios/#dynamic
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ger88 said:1
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ger88 said:
As the UK market index provides a high concentration to the biggest stocks in the index which are giant companies in 'old world' industries (biggest company is pharmaceutical, then oil, then big pharma again, banking, tobacco, oil again...) its critics would say it's not a great way to get your long term growth, while it does not necessarily provide stability either - 2019's top five companies such as Shell, BP and HSBC plc have all suffered drops in the 40-60% range within the last year, while the trillion dollar businesses in the top end of the US index got away pretty lightly in the most recent crash.
Fundamentally the HSBC global strategy approach of targeting its products to a particular appetite for risk/volatility is sound, but it involves changing the asset mix over time and is different from the VLS one which aims to deliver the performance from a static allocation ratio of equities to bonds, UK equities to international equities.
As VLS does not attempt to flex its allocations over an economic cycle, it may seem less appropriate for a more cautious investor who only wants a conservative blend of equities and non-equities to keep volatility low, given that different asset classes may change their risk/reward potential over time. However, if you're looking at VLS 100 or VLS80 you are not concerned about keeping volatility low, and could handle a drop of 40% or more. So that aspect would not seem to be a major issue.0
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