Scared of shares: where do I put my other 3.6k?

dunstonh

If I decide a sector is not performing (e.g. equity and property now),

<devils advocate mode on>
What makes you think that property is not performing now. The outflows appear to have slowed right up and inflows are starting to exceed them again for the first time in almost a year. We "may" be at the bottom.

Property share funds have been performing well recently as well.

gandalf

dunstonh wrote: »

What makes you think that property is not performing now.

You are right. I just checked that.

Two questions.
1. How often would you switch funds to make sure you have the top performers?

2. Would you normally be invested in all sectors all the time, or get out of one sector sometimes?

cheerfulcat

dunstonh wrote: »

bonds dont have any certainty. They are lower risk and suffer less volatility over the long term but there is nothing certain about them.

Only in the sense that " there is nothing certain except death and taxes "...corporate bonds have a known return, if held to maturity.

gandalf wrote:

Is there a website dedicated to corporate bonds?

Fixed Income Investor, here, has a lot of information.

dunstonh

Only in the sense that " there is nothing certain except death and taxes "...corporate bonds have a known return, if held to maturity.

I should have said funds because funds have no maturity as they are a collection of bonds. If gandalf was buying as a typical retail customer then it would be bond funds and not the actual bonds he would hold.

gandalf

I'll start a new thread devoted to
- choosing a fund supermarket to move your ISA to
- choosing funds for your ISA

Paul_Herring

cheerfulcat wrote: »

dunstonh wrote:

bonds dont have any certainty. They are lower risk and suffer less volatility over the long term but there is nothing certain about them.

Only in the sense that " there is nothing certain except death and taxes "...corporate bonds have a known return, if held to maturity.

.. assuming they make it to maturity...

chris1

dunstonh wrote: »

Some investments are available in ISA form with various capital safeguards.

Could you expand on that please?

dunstonh

You can get some with capital security with maturity dates that if the value has dropped by maturity you will get your capital returned.

Some people may only want a death guarantee in that if they die the and the investments have gone down the difference will be made up. This is often cheap whereas a full guarantee is likely to be expensive or have hidden costs that only an experienced investor or adviser will be aware of.

carlrom

You can buy bonds within your S&S ISA. Last time I checked with TDW they had for instance the likes of Tesco, Transco expiring this summer and paying a decent yield. As to what the comissions are you need to find out with your own broker, you do not want the commisions to eat away your yield.