What else can I invest in

london21

dunstonh said:

• Investments: £190,465 (S&P 500 index fund)  £132,000 in ISA.

Is there a reason you are so heavy in the S&P500?    or is it just down to recency bias?

Clearly the obvious thing to rebalance is he rest of the world.   

I was invested in the Vanguard FTSE Global All Cap Index Fund until May 2025.

It might make sense to return to it, although it does have a 60% allocation to the US.

On 3rd June, I moved £52k into the market it's now up by £5,441. I would have preferred to keep it within an ISA, so I only used my annual allowance. However, I decided to invest some funds outside the ISA as well.

Bostonerimus1

Avoid shares in individual companies.

You need to learn more about general stock and bond fund investing and then diversify your portfolio. Your statement that you sold a global fund recently and are now thinking about getting back into it worries me as a knee jerk management style rarely produces a good outcome. If you diversity into an appropriate asset allocation, a buy and hold strategy with maybe a little rebalancing can worked well.

Eyeful

At your age you only need to be invested in either a
Low Cost Global Fund or ETF which tracks one of the MAJOR global indexes.
Example: HMWO.
 Forget about the single shares idea, that's very risky.

Suggest you watch this:
https://www.kroijer.com/

kempiejon

I'm not totally sold by the oft repeated mantra to stick it all in equites, you only need one global tracker. It won't necessarily be that wrong but is not the only game in town. There are other assets than equities.
The global equity market is worth over 100 trillion dollars.
The global bond market is worth over 100 trillion dollars
The global commodity markets also over 100 trillion dollars, gold around 10% of that.
Being heavy in equities when working and under 50 is more likely to increase one's worth than having it mostly in building societies. It was my MO and holding in non-equity asset classes was the minority.

Eyeful

1. If the OP did not want to keep it simple, they have the choice of the many "Lazy Man" portfolios to chose from.
Or they can take their pick from any of the portfolios on "Portfolio Charts".

2. No one knows if they will do better over the next 20 or 30 years, than a simple
 low cost Major World Index Tracker Fund or ETF.
 

Mark_d

london21 said:

Hi All,

Looking for some suggestions I am in my late 30's.

I have 

• Investments: £190,465 (S&P 500 index fund)  £132,000 in ISA.
• Cash & Savings: £179,804 (Chip, Tandem)
• Premium Bonds: £50,000 

I have about £106,000 in my pension currently and have increased my contribtuion to £2696 per month. I am a higher rate tax payer.

Some considerations

Increase exposure to equities for long-term growth, I have made wrong choice in the past hence I have stayed away from shares but was looking at Twylor Wimpey but looks a bit unstable.

Diversify beyond the S&P 500 (e.g., global index funds, emerging markets).

Reduce cash holdings.

That's a huge amount to have in cash/savings.  Would you really need that much to live on if you were out of work for 3 months?

It sounds like you don't know much about shares so best avoid them for now.  But you can find a fund to invest in that suits your attitude to risk and invests in areas where you feel there's be growth (maybe Japanese companies, maybe manufacturing industries...)

boingy

Without knowing anything about your outgoings and lifestyle my instant analysis is that you have too much in cash and as a higher rate taxpayer you should look at chucking more into your pension, because you are young and you will get tax relief on those contributions. But that assumes you have enough to live on, pay the mortgage etc.

Also, switch the S&P tracker for a more global one and continue to move it into an ISA wrapper.

Oh, and stop fiddling! Just invest in a global tracker and forget about it for a decade or more. Time is on your side.

london21

Mark_d said:

london21 said:

Hi All,

Looking for some suggestions I am in my late 30's.

I have 

• Investments: £190,465 (S&P 500 index fund)  £132,000 in ISA.
• Cash & Savings: £179,804 (Chip, Tandem)
• Premium Bonds: £50,000 

I have about £106,000 in my pension currently and have increased my contribtuion to £2696 per month. I am a higher rate tax payer.

Some considerations

Increase exposure to equities for long-term growth, I have made wrong choice in the past hence I have stayed away from shares but was looking at Twylor Wimpey but looks a bit unstable.

Diversify beyond the S&P 500 (e.g., global index funds, emerging markets).

Reduce cash holdings.

That's a huge amount to have in cash/savings.  Would you really need that much to live on if you were out of work for 3 months?

It sounds like you don't know much about shares so best avoid them for now.  But you can find a fund to invest in that suits your attitude to risk and invests in areas where you feel there's be growth (maybe Japanese companies, maybe manufacturing industries...)

Thanks i had M&S shares from when in worked in retail whilst studying those did well.

In 2017, bought some stupid penny shares which lost me a lot of money won't do that ever again. 

My brother did buy Rolls Royce shares some months ago and they are doing well but currently don't invest in shares. 

Will do more research. 

london21

Bostonerimus1 said:

Avoid shares in individual companies.

You need to learn more about general stock and bond fund investing and then diversify your portfolio. Your statement that you sold a global fund recently and are now thinking about getting back into it worries me as a knee jerk management style rarely produces a good outcome. If you diversity into an appropriate asset allocation, a buy and hold strategy with maybe a little rebalancing can worked well.

Yes, i had the global funds since 2023 or so. Looking back maybe shouldn't have sold them. 

london21

boingy said:

Without knowing anything about your outgoings and lifestyle my instant analysis is that you have too much in cash and as a higher rate taxpayer you should look at chucking more into your pension, because you are young and you will get tax relief on those contributions. But that assumes you have enough to live on, pay the mortgage etc.

Also, switch the S&P tracker for a more global one and continue to move it into an ISA wrapper.

Oh, and stop fiddling! Just invest in a global tracker and forget about it for a decade or more. Time is on your side.

Thanks. Watched a podcast and got distracted 😂