Wots your current portfolio spread ?

Murphy_The_Cat

wombat42 wrote: »

You must be sure you have a good cash reserve before you get into risky stuff or even any S&S. Depends on amounts and circumstances etc but roughly you should have enough cash to live on for at least a year as a minimum without having to sell your S&S, should any income suddenly dry up.

Welllllll, I do have a healthy cash (ISA) reserve which has given me the confidence to try at the 'riskier' end of things, plus, I'm mostly dripfeeding into my (& Mrs Cats) ISA's on a monthly basis.
Its what I'm going to do after April when I'm able to move from Cash Isa to S&S Isa that I'll have to give a lot of considered thought to.

ryandj

ryandj wrote: »

£2400 Fidelity China Focus
£1000 Fid EMEA
£250 Fid India Focus
£200 Fid Special Situations
£1000 Fid Multimanager Growth
£60 Invesco perpetual income
£70 Jupiter environmental
£100 jupiter high income
£100 martin currie high income
£150 Neptune Russia and Greater Russia

and then ~£4000 in cash ISA's

Anyone got any comments on my portfolio? I am continuing to invest around £350/ month spread across these plus JPM natural resources.

O yes, and took £1000 profit out of china focus into cash ISA about 3 months ago.

hyposmurf

JPM Natural resources £1000
Allainz Bric £1500
Jupiter emerging European £500
Invesco Per Corp Bond £500

wombat42_2

ryandj wrote: »

Anyone got any comments on my portfolio? I am continuing to invest around £350/ month spread across these plus JPM natural resources.

O yes, and took £1000 profit out of china focus into cash ISA about 3 months ago.

Thats a high risk profile but on the other hand they are relatively not huge amounts of money. Obviously i dont know your circumstances but it looks like you really need to build up you cash savings. I would put as much away per month as cash as for S&S.

Aegis

wombat42 wrote: »

You must be sure you have a good cash reserve before you get into risky stuff or even any S&S. Depends on amounts and circumstances etc but roughly you should have enough cash to live on for at least a year as a minimum without having to sell your S&S, should any income suddenly dry up.

I think a year is somewhat overcautious (is this the balance to your extremely high risk investments? ). Generally the recommendation seems to be 3-6 months for normal situations.

wombat42_2

Aegis wrote: »

I think a year is somewhat overcautious (is this the balance to your extremely high risk investments? ). Generally the recommendation seems to be 3-6 months for normal situations.

Yes i am not a risk addict. I am more cautious than most in some ways.

Aegis

wombat42 wrote: »

Yes i am not a risk addict. I am more cautious than most in some ways.

It does come as something of a surprise to me to be perfectly honest.

Still, it might explain why you can afford to have such a high risk strategy too.

ryandj

wombat42 wrote: »

Thats a high risk profile but on the other hand they are relatively not huge amounts of money. Obviously i dont know your circumstances but it looks like you really need to build up you cash savings. I would put as much away per month as cash as for S&S.

That is indeed my plan for the next year. I am planning to fill my cash ISA allowance 2008.

Also for more cautious funds, I am thinking of investing into something like the Midas balanced growth fund? and some kind of stewardship fund, and increase these holdings versus the more high risk emerging markets/ china ones.

wombat42_2

ryandj wrote: »

That is indeed my plan for the next year. I am planning to fill my cash ISA allowance 2008.

Also for more cautious funds, I am thinking of investing into something like the Midas balanced growth fund? and some kind of stewardship fund, and increase these holdings versus the more high risk emerging markets/ china ones.

I guess others can advice you on more cautious funds but it would make sense to me to switch your China, India and Russia funds to Allianz BRIC where the fund manager uses his judgement to allocate to Brazil, Russia, India and China. Allianz BRIC would be slightly lower risk than your China, India and Russia funds.

purch

the fund manager uses his judgement to allocate

:j


............and as we all know Fund Managers are like GODS, geez I even heard of one once who beat his index one year :eek: