Ftse Relagation-Abrdn 29 August 2022 at 8:37AM in ISAs & tax-free savings 39 replies 533 views

Dandytf

As I hold one Abrdn fund-with HL Isa.
Does this pending Ftse 100 relegation have any effect on funds performance.

thanks 

dunstonh

It will impact on any funds, from any fund house, that hold UK large cap.  It will not impact on any other.

Dandytf

dunstonh said:

It will impact on any funds, from any fund house, that hold UK large cap.  It will not impact on any other.

Does that include Asia Equity, I guess not from your kind answer.

dunstonh

Dandytf said:

dunstonh said:

It will impact on any funds, from any fund house, that hold UK large cap.  It will not impact on any other.

Does that include Asia Equity, I guess not from your kind answer.

Whilst some Asia Equity funds could include UK listed companies where they focus on area of trade rather than where they are listed, that is not likely to be apply here.

 

eskbanker

Dandytf said:

dunstonh said:

It will impact on any funds, from any fund house, that hold UK large cap.  It will not impact on any other.

Does that include Asia Equity, I guess not from your kind answer.

If you're saying that you hold something like https://www.abrdn.com/en/uk/adviser/fund-details/asi-asia-pacific-equity-fund/a-acc/gb00b0xwnf82 then no, the listing status of the fund manager company is entirely unrelated to the performance of the fund.

Unless you've devoted significant attention (and money) to portfolio construction, this fund may not be particularly well suited to a small investor - what other funds do you hold beyond the Asia Equity one?

Dandytf

Seems I've gone Income this time, yet my preference is Acc.
abrdn Asia Pacific Equity 

Class I - Income (GBP)

thanks

Dandytf

eskbanker said:

Dandytf said:

dunstonh said:

It will impact on any funds, from any fund house, that hold UK large cap.  It will not impact on any other.

Does that include Asia Equity, I guess not from your kind answer.

Unless you've devoted significant attention (and money) to portfolio construction, this fund may not be particularly well suited to a small investor - what other funds do you hold beyond the Asia Equity one?

Each of these are Acc held with HL Isa

HL UK 
Global 
Growth Funds.
VLS 80% Equity 
Pictet Usa Index 
Polar Biotechnology 
VT Gravis Clean Energy 

Recently started HL Sipp -(Pension Top Up final <10yrs)
HL Multi Managers Trust
Virgin Climate Change
completes my current Accumulation choices.
iShares11plc Global Clean Energy UCITS ETF (Dist)

I haven't chosen to increase latest workplace Pension though minimum conts continue.

thanks appreciated.

eskbanker

Dandytf said:

Each of these are Acc held with HL Isa

HL UK 
Global 
Growth Funds.
VLS 80% Equity 
Pictet Usa Index 
Polar Biotechnology 
VT Gravis Clean Energy

Difficult to assess that without proportions, and it's unclear what the first three lines actually signify - if the lion's share is the VLS as a core holding with just smaller chunks of the others as satellites then it may make sense, although if the overall portfolio size is modest then it may not be worth buying into non-core holdings.

Dandytf said:

Recently started HL Sipp -(Pension Top Up final <10yrs)
HL Multi Managers Trust
Virgin Climate Change
completes my current Accumulation choices.
iShares11plc Global Clean Energy UCITS ETF (Dist)

I haven't chosen to increase latest workplace Pension though minimum conts continue.

"HL Multi Managers Trust" isn't specific and covers a wide range of investments under that generic label, and the wisdom or otherwise of that portfolio, like the ISA, will depend on the proportions and what you're actually trying to achieve.

Are you paying enough into your workplace pension to obtain the maximum matching employer contributions?

Dandytf

Are you paying enough into your workplace pension to obtain the maximum matching employer contributions?

Latest workplace pension is via Peoples Pension, whilst I appreciate Tax relief could be available, I don't pay any Tax.
Is it possible to continue adding extra Conts into Sipp via existing or new Funds, as means of building last Top Up scheme.
I haven't decided if it's too much risk to add funds from my Non Isa -separate GIA account.
I think current Sipp funds are going to be long term which might not be suitable for <10 yrs.

Thanks for Isa Funds info, I've set this up with Balanced weighting, never viewed as 'Core' Nor 'Satellite' Funds.
Though enjoying making choices that potentially last a few years.

thanks

grumiofoundation

Dandytf said:

Are you paying enough into your workplace pension to obtain the maximum matching employer contributions?

Latest workplace pension is via Peoples Pension, whilst I appreciate Tax relief could be available, I don't pay any Tax.
Is it possible to continue adding extra Conts into Sipp via existing or new Funds, as means of building last Top Up scheme.
I haven't decided if it's too much risk to add funds from my Non Isa -separate GIA account.
I think current Sipp funds are going to be long term which might not be suitable for <10 yrs.

Thanks for Isa Funds info, I've set this up with Balanced weighting, never viewed as 'Core' Nor 'Satellite' Funds.
Though enjoying making choices that potentially last a few years.

thanks

Are you paying enough into your workplace pension to obtain the maximum matching employer contributions?

(Eskbanker, 2022)

May be there are no higher employer contributions available, but if there are do this before investing in SIPP.


As above no % given but by 'balanced' do you mean equal % for each fund?


Anyway previous suggestions till stand. Pay off high interest debt before investing in stocks and shares ISA, especially hen you are having to dip into it for short term spending.
The 'few' years you mention would ideally be 10+. but how much interest will you pay on credit cars over that time (very likely more than you will make on investment returns)

https://forums.moneysavingexpert.com/discussion/6377906/isa-potential-partial-withdrawal#latest

eskbanker

Dandytf said:

Are you paying enough into your workplace pension to obtain the maximum matching employer contributions?

Latest workplace pension is via Peoples Pension, whilst I appreciate Tax relief could be available, I don't pay any Tax.
Perhaps you felt that answered the question?  If so, it's not obvious how....

Is it possible to continue adding extra Conts into Sipp via existing or new Funds,
Not sure exactly what you're asking - what would stop you from adding extra contributions into a SIPP with your own money (provided you don't fall foul of annual and salary pension contribution limits)?

as means of building last Top Up scheme.
That must mean more to you than me too.

I haven't decided if it's too much risk to add funds from my Non Isa -separate GIA account.
I don't know what you're getting at there either?

I think current Sipp funds are going to be long term which might not be suitable for <10 yrs.
Always best to have some idea of timescales that you're investing for, which is obviously why many cautioned against raiding your S&S ISA for short-term purchases (although this is still likely to be a better idea than investing while in debt).

Thanks for Isa Funds info, I've set this up with Balanced weighting, never viewed as 'Core' Nor 'Satellite' Funds.
As above, if this means equal proportions (or close to that) then this isn't really a balanced portfolio at all.

Though enjoying making choices that potentially last a few years.

thanks

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