Do you see any anomalies?

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Ivkoto
Ivkoto Posts: 55 Forumite
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edited 29 April at 12:13PM in Savings & investments

Hello everyone.
Could you please give me your opinion on how well the portfolio is diversified (around 4400 companies in total) ?
Is it heavy in some sectors and light in others as a percentage wise ( with view of the top 10 holdings in each sectors )?
Does it make any sense for a not risk averse person, who won't touch the funds in the next 10-12 years to be invested like this and would you change anything when drawdown start?

Thank you!






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  • gravel_2
    gravel_2 Posts: 231 Forumite
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    Why not just link the fund or index it tracks?
  • Mark_d
    Mark_d Posts: 565 Forumite
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    So you want to invest an amount now, leave the investment unchanged and then start drawing down in 10-12 years?
    Perhaps choose your level of risk and geographic spread from this:

  • Ivkoto
    Ivkoto Posts: 55 Forumite
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    gravel_2 said:
    Why not just link the fund or index it tracks?

    There are 7 funds involved, which are available only at workplace pension. 
  • Ivkoto
    Ivkoto Posts: 55 Forumite
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    Mark_d said:
    So you want to invest an amount now, leave the investment unchanged and then start drawing down in 10-12 years?
    Perhaps choose your level of risk and geographic spread from this:


    Sorry if I haven't been clear. I have been invested in the funds for quite a while and continue to contribute monthly. This is workplace pension, so Vanguard is not relevant. I mean if I stop working in the next 10-12 years and start taking money out, will it be sensible to leave like it is . I know that there will be times, when everything can go down, but I can live with it.
  • cloud_dog
    cloud_dog Posts: 6,063 Forumite
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    Ivkoto said:
    gravel_2 said:
    Why not just link the fund or index it tracks?

    There are 7 funds involved, which are available only at workplace pension. 
    Can you name the 7 funds and confirm the percentage of money in each of the 7?
    Personal Responsibility - Sad but True :D

    Sometimes.... I am like a dog with a bone
  • Ivkoto
    Ivkoto Posts: 55 Forumite
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    cloud_dog said:
    Ivkoto said:
    gravel_2 said:
    Why not just link the fund or index it tracks?

    There are 7 funds involved, which are available only at workplace pension. 
    Can you name the 7 funds and confirm the percentage of money in each of the 7?


    Here they are ⬇️



  • gravel_2
    gravel_2 Posts: 231 Forumite
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    Seems over complicated. Likely some crossover. Why not just a single global fund or a strategy fund?
  • PloughmansLunch
    PloughmansLunch Posts: 500 Forumite
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    If you are risk-averse then 22% of your portfolio in EM seems a little bit spicy to me
  • Ivkoto
    Ivkoto Posts: 55 Forumite
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    PloughmansLunch said:
    If you are risk-averse then 22% of your portfolio in EM seems a little bit spicy to me


    Thank you for noticing ! Edited 🙂, I mean exactly opposite than risk-averse person. 
  • Ivkoto
    Ivkoto Posts: 55 Forumite
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    gravel_2 said:
    Seems over complicated. Likely some crossover. Why not just a single global fund or a strategy fund?


    Well we are very fund restricted with the provider.
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