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ISA Portfolio Review
Investor67
Posts: 12 Forumite
Hello all, I would greatly appreciate the thoughts of all the gurus here on my fund and shares ISA with HL. I am aiming for growth long term and all I can think to do is this crazy market is to sit tight.
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Comments
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Just adding the final image from my post above
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Far too much duplication. Your choice of investments and money allocated seem completely arbitrary. Why £3.5K in AZ but only £240 in GSK? Why do you need 4 European Funds. Since the funds are in alphabetical order I guess there are a fair number missing from the bottom of your list. Why all the individual holdings? Why those amounts of money? Do you have an overall strategy?
It would seem you have £60K-£100K invested. You should be able be manage perfectly well with less then 10 funds with greater transparency of where you money is held and easier/cheaper management. Any holding representing less than 5% of your total invested should be checked to see if it is really necessary since it wont make much difference to your overall returns.1 -
Have you heard of Passive Investing?Unless investing is a hobby you enjoy sell it all and buy 1 fund and forget about it.1
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Question is which is the one fund you will buy and forget ?MX5huggy said:Have you heard of Passive Investing?Unless investing is a hobby you enjoy sell it all and buy 1 fund and forget about it.0 -
I can see 19 holdings, but it looks like the list goes on. You have a stock worth less than £50, several others worth less than £1k. I'd suggest selling the lot and starting afresh, but it's going to be costly in trading fees. A portfolio of this size at HL probably shouldn't feature any shares/ETFs.
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Way too many funds and stocks to sensibly manage. Get rid of all individual stocks and then see if you can build something using 5 or 10 funds...although 10 is too many for me and shouldn't be necessary. Take a look at multi-asset funds.“So we beat on, boats against the current, borne back ceaselessly into the past.”1
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