Investing in uncertain times and diversifying

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/81954705#Comment_81954705

While there's undoubtedly a lot of geopolitical uncertainty, the impact on markets hasn't been particularly pronounced - the March dip was largely in single figures and so didn't even qualify as a correction, never mind a crash, and both of these should be expected on multiple occasions throughout usual investment timescales, so if you were spooked by relatively minor volatility then this would seem to confirm the point that you were invested above your risk tolerance.

london21

https://forums.moneysavingexpert.com/discussion/comment/81954400#Comment_81954400

I had

Vanguard FTSE Global All Cap Index Fund

and S&P500

chiang_mai

https://forums.moneysavingexpert.com/discussion/comment/81954723#Comment_81954723

Venture Capital is a high risk investment, perhaps you should invest in some time with an IFA.

london21

https://forums.moneysavingexpert.com/discussion/comment/81954729#Comment_81954729

He mentioned St james place they charge high fees for their investments think i prefer index funds but having 350k in 1 fund is somehow?

london21

https://forums.moneysavingexpert.com/discussion/comment/81954725#Comment_81954725

My holdings were US focused but

Vanguard FTSE Global All Cap Index Fund is 60% US

What happend was 3 months ago i was thinking am i too exposed to the US etc. posted on reddit.

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/81954734#Comment_81954734

You're focusing on geographical allocation but my point was more fundamental, i.e. being 100% in equities is high risk, wherever those equities are, and as such is only suited to those who are able to understand and accept that risk.

london21

https://forums.moneysavingexpert.com/discussion/comment/81954743#Comment_81954743

You are right i thought index funds and ETF were lower risk as not just 1 company. Need to think about it properly on the next way forward not to end up buying high and messing things up but it is meant to be long term so made a mistake.

DiamondLil

https://forums.moneysavingexpert.com/discussion/comment/81954739#Comment_81954739

😮 If you go for a financial adviser, gawd's sake use an Independent one. S.J.P. are certainly not that.

london21

https://forums.moneysavingexpert.com/discussion/comment/81954781#Comment_81954781

Where does one find them and what fees do they charge. Will check the FCA site.

Beddie

https://forums.moneysavingexpert.com/discussion/comment/81954752#Comment_81954752

They are lower risk than buying single company shares. However, there are still many risk levels to choose from. If you look at Vanguard Lifestrategy, for example, they have different levels of risk with more/fewer bonds and shares. Not foolproof, but just one example of where you don't have to be all-in to global shares.