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S&S ISA Allocation (Slight Reprise)
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virenque
Posts: 56 Forumite

Hi, I posted a potential S&S ISA fund allocation a while back and got some v useful answers.
I wonder if you experts could cast your eye over this allocation and see if it appears diversified enough? Still too UK heavy?
I've reduced the REITS allocation from 20%! ;-)


I wonder if you experts could cast your eye over this allocation and see if it appears diversified enough? Still too UK heavy?
I've reduced the REITS allocation from 20%! ;-)

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Comments
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Why not an all world fund, rather than splitting Uk and non Uk fund?
I see yoru 20% in bonds, are you trying to reduce your risk? near retirement? Corp bonds are higher risk as I am sure your aware.
What is your investment strategy?
"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP2 -
This is almost identical to VLS80, so agreeing with @csgohan4 , I don't see the point of what you're doing. You may as well simplify it by using a single fund.
That said, this allocation will give a similar result to VLS80, which I think is fine, but the way you're doing it just creates admin.
My personal opinion, based on my own research and for reasons too academic for this thread is to have much more home bias than a standard global equity index fund would have. Most would agree that such a fund, or a good multi asset fund like the VLS or HSBC range (plenty others available too) would be a suitable starting point for most amateur retail investors depending on their circumstances.
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Once your more confident with investing, you could add satellites like a small cap fund, EM, Asia, Tech e.t.c or if your feeling really adventurous individual stocks, but maybe much later"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP1 -
Hi thanks for the comments, and yes it is v similar to VLS80. Am now looking at just investing in that fund or VLS60 as I am now 49. Just looking at if it is better to go with VLS on the Vanguard platform or if I'm better on Fidelity, etc.
And I like the satellite idea with a small % of total funds!0 -
virenque said:Hi thanks for the comments, and yes it is v similar to VLS80. Am now looking at just investing in that fund or VLS60 as I am now 49. Just looking at if it is better to go with VLS on the Vanguard platform or if I'm better on Fidelity, etc.
And I like the satellite idea with a small % of total funds!
Fidelity's fees are a little more complicated but will be higher for all amounts invested in a S&S ISA.
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Another_Saver said:Vanguard charge 0.15% on your account upto £250k, max £375 pa platform fee.
Fidelity's fees are a little more complicated but will be higher for all amounts invested in a S&S ISA.2 -
What are you basing the % allocations on?1
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