S&S ISA horribly imbalanced - What to do

eskbanker

I want a bit in bonds and equity. The idea of the bonds is to de risk a bit. I want a bit of UK bias, but I think I am just out of kilter.

thats why I want some elements of bonds as protection hopefully LS80 gives this?

Thanks that is also a key question is my current approach muddled? I am just not sure

If you can define what sort of split you want between equities and bonds, and also how much of a UK bias you're after, that'll lead you towards answers - if your requirements happen to map onto the breakdown of one of the VLS range (or a multi-asset fund from one of their competitors) then that would be a simple single-fund solution, but if not then you could use core and satellite holdings to tweak the allocations.

kempiejon

What is balance? There are many ways to weight a market and there are plenty of other assets than just stocks and bonds. If I recall the futures market is worth several times the stock market. Then there's the private equity, property, resources, precious metals and so on.

Tassie_Devil

With 15 years to go till retirement I’d be 100% in equities.

wiseonesomeofthetime

https://forums.moneysavingexpert.com/discussion/comment/81954097#Comment_81954097

I am less than that and have 100% in equities. Yes, it bounces all over the place, but as I am not reliant on the VLS100 proceeds alone for retirement, I am happy to go along with it.

callum9999

https://forums.moneysavingexpert.com/discussion/comment/81950672#Comment_81950672

You can obviously do whatever you want yourself, but the number of people using ChatGPT for things it isn't suitable for - like assessing investment fund strategies - and then blindly believing the output is incredibly depressing and shouldn't be being recommended...