Equity ISA 08/09 - whats your selection?

bigfreddiel

So now we can think about investing in the next financial year 08/09 - what would your strategy be for an equity (shares) ISA?

Ignoring natural resources, gold, oil etc and bonds what else would be sensible choice for drip feed of say £300/month (my other £3,600 is going into a cash ISA).

Looking forward to your ideas.

fj

markd_2

I'm in a similar position to yourself. Last month i purchased my first funds (I have only used the cash element of my ISA in the past). The 4 funds that I selected were fairly adventurous and so i think that one of the areas that i'll be drip feeding into will be bonds.

Other funds of interest are ones that are fairly cautiously managed (such as M&G Recovery). Aside from that I have a real urge to balance that against Jupiter Emerging Euro Opps or Neptune Russia over a gradual period.

I'm sure others will have distinctly opposite views but these are my current thoughts!

sheslookinhot

What are your thoughts on Grain and Coffee ?

MoneyTown

I'm going contrarian and filling up on the 6th April. I see a bull market from these levels.

wombat42_2

sheslookinhot wrote: »

What are your thoughts on Grain and Coffee ?

All commodites are most likely a good long term punt. Agricultural commodities may perform best but it is dangerous to home in too much on individual commodities or anticipate big rises in a short timeframe.

debbie42

sheslookinhot wrote: »

What are your thoughts on Grain and Coffee ?

I really should invest in coffee as I spend enough on the stuff!

jon3001

bigfreddiel wrote: »

Ignoring natural resources, gold, oil etc and bonds

IMO these (commodities and bonds) are important allocations in a balanced portfolio. Any reason you're ignoring them? E.g. existing exposure or you think they're going to underperform.

luckylizard

i'm drip feeding my year's allowance over the first six months, hoping for a 3rd/4thquarter bounce (hopefully end of credit crunch, new US president, Santa rally etc). i'm adding to all my existing funds equally as it's nigh on impossible to select sectors correctly in the current volatility. putting the entire allowance in at once is a massive risk IMO. we may not be at the bottom yet.

Ditz

I have a Vantage ISA with Hargeaves Lansdown and have so far invested in 3 funds: Invesco Perpetual Income, Blackrock Merril Lynch Gold and General and CF Eclectica Agricultural. I am now looking for a fourth to complete my 2007/08 investment and am considering one of the following. Anyone got any views?

Aberdeen Asia Pacific
Allianz BRIC
Artemis Strategic Bond Monthly
Guiness Alternative Energy Fund
Invesco Perpetual Monthly Income
M&G Recovery
Neptune Russia

Aegis

Ditz wrote: »

I have a Vantage ISA with Hargeaves Lansdown and have so far invested in 3 funds: Invesco Perpetual Income, Blackrock Merril Lynch Gold and General and CF Eclectica Agricultural. I am now looking for a fourth to complete my 2007/08 investment and am considering one of the following. Anyone got any views?

Aberdeen Asia Pacific
Allianz BRIC
Artemis Strategic Bond Monthly
Guiness Alternative Energy Fund
Invesco Perpetual Monthly Income
M&G Recovery
Neptune Russia

At the moment it looks like you're very strongly biased towards two specialist sectors, namely gold and agriculture. This means your volatility will be pretty high simply due to the lack of diversity. You might want to consider something very general, perhaps a global equity fund, or maybe something within the UK. While these will not have the same possible gains as some of the specialist funds you've picked, they might be a little safer.

On that note, you seem to have picked a very strange set of funds that you're trying to decide between, as all of them have totally different risk levels, strategies and sectors. If you're trying to pick a fund, it might make more sense to clarify what you're looking for in terms of those categories before you start selecting them. At them moment it's fairly obvious that you're not picking with any strategy in mind, and in order to construct a long-term successful profile, you really ought to define your own strategy and pick funds that fit your overall framework.

Hope that gives some food for thought.