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Thoughts/Feedback on current ISA structure
theshortstack
Posts: 76 Forumite
Afternoon all,
This may be a little random, but I'm after a bit advice on how to best invest the last of my ISA allowance this year to give me a balanced and diversified portfolio.
To give you a bit of background, I'm in my second year of investing into a S&S ISA and have been looking to diversify my portfolio having only really invested in individual shares last year (a stupid thing to do and a result of my own impatience to get started).
I'm not planning on needing income from my ISA for around 30 years or so, so have planned to split my portfolio in the following manner:
70% Equities
30% Non-Equities
I guess I have two questions that come off the back of this:
Does anyone have any thoughts/suggestions/impressions at all?
Thanks very much for your help in advance!
This may be a little random, but I'm after a bit advice on how to best invest the last of my ISA allowance this year to give me a balanced and diversified portfolio.
To give you a bit of background, I'm in my second year of investing into a S&S ISA and have been looking to diversify my portfolio having only really invested in individual shares last year (a stupid thing to do and a result of my own impatience to get started).
I'm not planning on needing income from my ISA for around 30 years or so, so have planned to split my portfolio in the following manner:
70% Equities
30% Non-Equities
15% Bonds
10% Commodities
5% Property
I guess I have two questions that come off the back of this:
- Firstly, does this seem like a solid structure to you?
- Secondly, my portfolio is currently pretty close to this structure. Bonds currently make up 10% of my portfolio although I currently have around £2,500 left to invest which would take the Bond side of things up to 15%.
The only problem is that it seems like a pretty bad time to be investing in bonds given the returns are so terrible so I'm reluctant to dump the remaining of my ISA allowance into them. The question is, if it doesn't go into bonds, where would be a good alternative? Putting it into equities would make for a very risky portfolio and I'm reluctant to put any more into property given that I don't like the way that a lot of the funds are set up.
Does anyone have any thoughts/suggestions/impressions at all?
Thanks very much for your help in advance!
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