Help me choose a Global Fund?
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twotonealex
Posts: 72 Forumite
Evening All,
Following many of your contributions to my previous thread, where I looked to gain opinions on whether I should reduce my Fever Tree holding, it was kindly pointed out that even though my intentions were in a good place, I was stupid to spread around £3500 (not including fever tree) across multiple tech, asia & emerging markets funds, based on the size of the amounts and the cost of the fees!
I have, for the moment, decided to keep my holding in Fever Tree, however this is something I will reduce in the near future.
From reading various threads, and a few suggestions, I'm looking at consolidating these funds (now I've requested the sale via HL) into a Global Fund, equity was suggested.
I've listed a few I've looked into below, but looking to see if anyone has any alternative suggestions or any feedback on any?
Architas Birthstar 2046-50
Baillie Gifford Global Alpha Growth
Black Rock Consensus 100
Black Rock Consensus 85
Black Rock Consensus 60
HSBC Global Strategy Balanced Portfolio
Vanguard Life Strategy 80% equity
Vanguard Life Strategy 60% equity
I'm 27, the purpose of this SIPP is to play a small part in bridging the 10 year gap between my desired retirement age of 55, and the drawing age of 65 of my CS Alpha pension.
I have seen a lot of talk of the VLS funds above. I overall want as good all round growth as possible, anything anyone can suggest is appreciated.
Please keep it constructive, I don't profess to be a master of any of this, I'm just trying to build on the 33.01% growth I've had in the last 12 months and future proof it with something a bit more sensible.
Thanks for any help you can provide!
Alex
Following many of your contributions to my previous thread, where I looked to gain opinions on whether I should reduce my Fever Tree holding, it was kindly pointed out that even though my intentions were in a good place, I was stupid to spread around £3500 (not including fever tree) across multiple tech, asia & emerging markets funds, based on the size of the amounts and the cost of the fees!
I have, for the moment, decided to keep my holding in Fever Tree, however this is something I will reduce in the near future.
From reading various threads, and a few suggestions, I'm looking at consolidating these funds (now I've requested the sale via HL) into a Global Fund, equity was suggested.
I've listed a few I've looked into below, but looking to see if anyone has any alternative suggestions or any feedback on any?
Architas Birthstar 2046-50
Baillie Gifford Global Alpha Growth
Black Rock Consensus 100
Black Rock Consensus 85
Black Rock Consensus 60
HSBC Global Strategy Balanced Portfolio
Vanguard Life Strategy 80% equity
Vanguard Life Strategy 60% equity
I'm 27, the purpose of this SIPP is to play a small part in bridging the 10 year gap between my desired retirement age of 55, and the drawing age of 65 of my CS Alpha pension.
I have seen a lot of talk of the VLS funds above. I overall want as good all round growth as possible, anything anyone can suggest is appreciated.
Please keep it constructive, I don't profess to be a master of any of this, I'm just trying to build on the 33.01% growth I've had in the last 12 months and future proof it with something a bit more sensible.
Thanks for any help you can provide!
Alex
0
Comments
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Do you want an active or indexing approach, answer that and you'll reduce your choices.“So we beat on, boats against the current, borne back ceaselessly into the past.”0
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Thanks Bostonerimus.
I understand the difference (correct me if I'm wrong), index tracks the various indexes, active is actively managed to try and keep ahead/on the curve.
The problem is I don't know what is more beneficial to me/pros VS cons.0 -
What about Vanguard Target Retirement 2045 Fund?0
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Looking longer term I would suggest have a look at Scottish Mortgage Trust on the basis it has done well for me over past few years and I expect outperformance to continue.
For more detail, here's a recent report from DIY Investor
http://diyinvestoruk.blogspot.com/2018/05/scottish-mortgage-full-year-results.html0 -
The funds you have listed have various risk profiles as some are 60% equities and some around 100% equities. You need to decide how much risk/volatility to want or are able to cope with before deciding on the fund.0
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I'm open to either 60% or 80% rather than 100%. Thanks!0
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twotonealex wrote: »I'm open to either 60% or 80% rather than 100%. Thanks!
Ask yourself what is the maximum likey paper loss you can tollerate seeing during a crash? 25%, 40% or 50%+?
Alex0 -
I have about 60% of my fund in blackrock long term class 8 fund. Being seeing about 10% growth a year.
Also have 40% in blackrock excluding UK fund (moved this a few years back with the Scottish independence referendum on the horizon. It’s made about 13% growth each year and I have left it as is.0 -
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Maybe look at things like Vanguard FTSE global all cap, or the hsbc and fidelity equivalents.0
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