% to each region of the world?? Challenge

Venomspread3r

Oh I understand now just copy the weightings I get you now @bostonerimus silly me haha 
And yes I agree with @aroominyork it may be a little country in comparison to many others but it's 'our little' country and the home bias question creeps up time & time again.

My question was earlier in the thread was that I'm overlapping with my Pension AVC fund & my ISA with both pointing at/covering the same ground and I was unsure what to do 

A] leave the FTSE All world ISA Alone & just put the extra money into my AVC pension which is BlackRock all world Ex UK (I could amend this so it's 95% All world ex UK & add 5% UK equities that they offer making it an all world.

B] continue as I am £200 into AVC all world & £200 Into my ISA which is 90% All World 10% Gold

C] put £200 into AVC & put £200 into my ISA But In different fund/etf (I'd still have 10% Gold) 

I've got a good 15 years before I want to be more conservative but I'm a little bit unsure what to do ?

masonic

There seems to be a couple of questions in there. The first is pension vs ISA, which comes down to maximising tax-efficiency vs flexibility, so you need to make sufficient provision for the scenario where you want to access some of that money before the age of 60+ (whatever the age will be when you can access your pension, which may be above the age you want to (part) retire). The second question is not really relevant when "overlapping" means they are both covering all investable markets. You could pick the same fund or a different fund, and what matters is it hangs together to form a coherent whole. Different funds just makes analysis and rebalancing slightly more complex, but there is often good reason not to pick the same fund for two different accounts (not least you might not have the same fund available in both).

Hoenir

Venomspread3r said:

My question was earlier in the thread was that I'm overlapping with my Pension AVC fund & my ISA with both pointing at/covering the same ground and I was unsure what to do 

Simply allocating arbitary %'s to any mix of global equities is little more than a coin toss. Given the width and breath of investing globally. For a retail investor always going to be an impossible challenge to keep track of all developments. 

Personally I've run a watchlist of 20/30 UK shares, at any one time, for many years now. This consists of mixture of individual companies and themes. More than enough to fill my time along with my portfolio core holdings. Once I've followed macro level level trends, listened to and watched company presentatations, read annual accounts etc. 

Venomspread3r

masonic said:

There seems to be a couple of questions in there. The first is pension vs ISA, which comes down to maximising tax-efficiency vs flexibility, so you need to make sufficient provision for the scenario where you want to access some of that money before the age of 60+ (whatever the age will be when you can access your pension, which may be above the age you want to (part) retire). The second question is not really relevant when "overlapping" means they are both covering all investable markets. You could pick the same fund or a different fund, and what matters is it hangs together to form a coherent whole. Different funds just makes analysis and rebalancing slightly more complex, but there is often good reason not to pick the same fund for two different accounts (not least you might not have the same fund available in both).

Yes I hear what you're saying @masonic whilst the pension does help with the tax there Is that - What IF I want some of the month early - I want them to both grow and yes you're right the pension & my ISA don't have the exact same fund but they are both global equity funds - i guess like many people i feel like im doing something wrong.

george4064

Venomspread3r said:

george4064 said:

My ISA is split approximately 55% US, 5% UK, 5% Japan, 10% EM, 10% Asia Pacific, 15% Europe

Hi @george4064 thanks for the comment.
That seems pretty solid what funds do you use if you don't mind me asking?

I don't invest in funds but instead in primarily investment trusts, ETFs and single stocks (in descending order of proportion).

I'd rather not share which holdings I have as it's probably not something anyone should copy (or try to replicate). I'm not suggesting you will, but *someone* might and I don't want that to happen!