Any Suggestions on my ISA portfolio

mazibee

Dear All Seniors,

Here is my portfolio one for myself and one for my wife , we just started in  end of Nov 2020  and here is the position as on 04-02-2021

ISA with HL
Funds
Baillie Gifford China Class B - Accumulation (GBP)	32.93%
Baillie Gifford Managed Class B - Accumulation (GBP)	12.76%
Baillie Gifford Positive Change Class B - Accumulation (GBP)	20.58%
Royal London Sustainable World Class C - Accumulation (GBP)	33.73%
ISA with iWeb
Stocks
IAG	34.19%
INRG	22.79%
LLOY	28.49%
SMT	14.53%

Any suggestions on the funds/ scrips inside the portfolio, also any suggestions for any adjustment. I know every individual has his own risk tolerance.

We are aiming for growth but also need safety, I know the iWeb portfolio seems too much risky, as 20K invested in only 4 shares,plan is, once I get some gains in this ISA will shift to some safe funds (any suggestions 9on this will be much appreciated)

Thanks in advance

Linton

I have put your HL portfolio into morningstar to see where it is invested:
Asia (mainly China): 43%
North America: 31%
Europe: 26% 

I am sure China is a good prospect for the future but isnt this going overboard? I would prefer something like 40% North America, 30% Europe, 30 % Asia with China at perhaps 15%.

jimjames

mazibee said:

ISA with iWeb
Stocks
IAG	34.19%
INRG	22.79%
LLOY	28.49%
SMT	14.53%

We are aiming for growth but also need safety, I know the iWeb portfolio seems too much risky, as 20K invested in only 4 shares,plan is, once I get some gains in this ISA will shift to some safe funds (any suggestions 9on this will be much appreciated)

The £20k in iWeb isn't really in just 4 shares. SMT is an investment trust so invested in 40+ shares. Obviously the other 3 are just shares though, any specific reason you chose them?

firestone

With regards your HL ISA i hold 2 of your funds and my wife holds the BG Managed only.Your smallest holding the managed fund (which has done very well) is a multi asset fund where you are asking them to pick the markets for you then changing the weightings by adding other funds yourself
Maybe make the Managed fund your bigger holding with the others as your satellite funds in regards looking at safer funds as you mention?
Not advice as China could be a home run for you but looks punchy to me based on the percentage

mazibee

jimjames said:

mazibee said:

ISA with iWeb
Stocks
IAG	34.19%
INRG	22.79%
LLOY	28.49%
SMT	14.53%

We are aiming for growth but also need safety, I know the iWeb portfolio seems too much risky, as 20K invested in only 4 shares,plan is, once I get some gains in this ISA will shift to some safe funds (any suggestions 9on this will be much appreciated)

The £20k in iWeb isn't really in just 4 shares. SMT is an investment trust so invested in 40+ shares. Obviously the other 3 are just shares though, any specific reason you chose them?

Thanks for your reply.

Not an expert in the field of investing,

IAG in a national carrier and will take some time to recover  to the pre covid levels even it take 3 years , to bet back to 450, it will be 200% increase  ( might be my calculation and thinking is wrong)

LLOY One of the largest bank in UK  I invested with the hope that it will reach pre-covid value in the next 2-3 years

INRG My view was to invest some in clean energy trust/ fund and selected it, I plan to hold it for the long term at least  5+ years

All the shares are in profit at the moment, shall I keep them or convert to some safe fund  Lindsell Train Global Equity.

AlanP_2

LTGE is not a safe fund in the way that phrase is generally used as it is 100% equities and could drop by 40/50% in a market crash.

What has happened since Nov 2020 to make you think you need to change your investments? Are the reasons you made those choices no longer valid?

mazibee

firestone said:

With regards your HL ISA i hold 2 of your funds and my wife holds the BG Managed only.Your smallest holding the managed fund (which has done very well) is a multi asset fund where you are asking them to pick the markets for you then changing the weightings by adding other funds yourself
Maybe make the Managed fund your bigger holding with the others as your satellite funds in regards looking at safer funds as you mention?
Not advice as China could be a home run for you but looks punchy to me based on the percentage

Thanks for your reply.

I plan to invest more in BG Managed Fund which will automatically reduce the %age of BG China.

My main concern for the BG funds is that , top holding in  most of the funds is Tesla which has increased too much within a last year in case Tesla goes down most of the BG Funds including SMT will tumble.

Which other funds can be used a main fund in  my portfolio?

eskbanker

AlanP_2 said:

What has happened since Nov 2020 to make you think you need to change your investments? Are the reasons you made those choices no longer valid?

There was already a ten-page thread back then on what best to invest in!

https://forums.moneysavingexpert.com/discussion/6208921/suggestions-needed-for-investing-20k-s-s-isa-is-it-right-time-to-start-investing/p1

firestone

mazibee said:

firestone said:

With regards your HL ISA i hold 2 of your funds and my wife holds the BG Managed only.Your smallest holding the managed fund (which has done very well) is a multi asset fund where you are asking them to pick the markets for you then changing the weightings by adding other funds yourself
Maybe make the Managed fund your bigger holding with the others as your satellite funds in regards looking at safer funds as you mention?
Not advice as China could be a home run for you but looks punchy to me based on the percentage

Thanks for your reply.

I plan to invest more in BG Managed Fund which will automatically reduce the %age of BG China.

My main concern for the BG funds is that , top holding in  most of the funds is Tesla which has increased too much within a last year in case Tesla goes down most of the BG Funds including SMT will tumble.

Which other funds can be used a main fund in  my portfolio?

Asking what funds can be used as a main fund will get you a hundred different answers and at the end of the day might not be what you would or should choose.But as you asked - i would say you seem to have used a few green type funds so maybe sustainable funds from Liontrust or the Impax Environmental markets IT could be worth a read.You may also have if the vote is agreed on the 10th of Feb a change of manager in the Keystone IT into a Baiilie Gifford IT run along the same lines as their positive change fund but able to use smaller market cap then the fund i believe 

Thrugelmir

China is the last place to look at if you are concerned about safety. 

BananaRepublic

Am I the only one who thinks you chose funds by looking for max growth over the last 3-5 years? Not the way I’d choose funds, but maybe that’s just me.