Wots your current portfolio spread ?

cloud_dog

wombat42 wrote: »

You also have to monitor how different funds perform over time and respond to different market conditions.

That's the beauty of global funds - someone else works out the country / sector mix for you. However you still need to find a global fund that has a philosophy that you agree with and Neptune Global Equity pushes the right buttons for me. It makes life simple if you can have as few funds as possible.

You might work out your own sector / country fix using a variety of funds but you will most likely have to keep updating this mix as market conditions change. I am leavig this to the global fund manager.

Far be it for me to rain on your parade - I seem to do this a lot and am going to stop but........

Isn't your logic flawed :eek:

Let me see if I've got this right........... You do sector / coutry analysis on a global fund so that you are comfortable with the investments split / philosophy, and for Nepture Global equity it is:

"The Fund’s stated investment objective is to generate capital growth from a concentrated portfolio of global securities, selected from across world equity markets, with a view to attaining top quartile performance within the IMA Global Growth sector."

So basically, in laymans terms, 'make money from making a small number of equity investments anywhere in the world'.......... and this is time consuming?

Or do you go a step further and look at sector / area allocation at the point of investment? But with a global fund they can switch investment focus (area / sector) at will, so it begs the question why go for a global fund?

If you are saying

That's the beauty of global funds - someone else works out the country / sector mix for you.

and

I am leavig this to the global fund manager.

Why bother doing the analysis, thats what you're paying the fund manager for, why not just look at fund/manager performance over different periods choose accordingly?

So much flawed logic.

Sorry, Wombat but its just all over the place. Having said that, if you are happy with it then I am happy for you. :T

shokadelika

wombat42 wrote: »

You also have to monitor how different funds perform over time and respond to different market conditions.

That's the beauty of global funds - someone else works out the country / sector mix for you. However you still need to find a global fund that has a philosophy that you agree with and Neptune Global Equity pushes the right buttons for me. It makes life simple if you can have as few funds as possible.

You might work out your own sector / country fix using a variety of funds but you will most likely have to keep updating this mix as market conditions change. I am leavig this to the global fund manager.

I think Wombat means that most Global funds are closet index trackers and Wombat is seeking a pro active manager ie Neptune in the hope of outperformance!.
The Global Equity sector does have a lot of dogs :eek:.

I like Wombat's posts at least chasing performance and hopefully well aware of the risks is better than sticking your money in a fund for 5 years forgetting about it and hoping it performs.Having said that as Wombat is now invested/diversified "globally" maybe the sell/switch button will be harder to hit.?...I doubt it though!.

Dithering_Dad

Here are my fund choices in my L&G stakeholder. Please feel free to comment, critique, destroy or dare I say it, praise the following fund choices:

For info, I have £83k in there and I'm 39 Yrs old, hoping to retire at 60. My stakeholder AMC averages out at about 0.5%.

10% L&G Fixed Interest
4% L&G Cash
3% L&G Property
37% Newton Income
25% Aberdeen Global Growth
9% L&G European Equity Index
10% AllianzRMC Global Equity
2% L&G Far East

I have gone for "Adventurous Growth" with 83% of my portfolio in Equities with the following geographical split:

UK - 46%
EU - 24%
US - 13%
JP - 7%
APAC - 8%
Other - 2%

I'd be very interested in any recommendations, please bear in mind that I can only invest in the following funds:

L&G Funds available to my Stakeholder

Cheers!

purch

UK - 46%
EU - 24%
US - 13%
JP - 7%
APAC - 8%
Other - 2%

That is a pretty 'balanced' portfolio for a Pension.........one which you could probably based on historic trends expect a 7-10% growth rate over the 20 or so years

cloud_dog

ahem.......

Murphy_The_Cat

cloud_dog wrote: »

ahem.......

ahem...... indeed :beer:

purch

I won the £1m monthly prize every mo..............oops wrong thread !!!;)

subjecttocontract

Property 75%
Cash 20%
Alternative Investments 5%

Aegis

purch wrote: »

I won the £1m monthly prize every mo..............oops wrong thread !!!;)

Ahh, you decided to state it after all

cloud_dog

purch wrote: »

I won the £1m monthly prize every mo..............oops wrong thread !!!;)

I'd just like to say 'Congratulations' to purch :lipsrseal