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mcminvest
Posted: 17 February 2025 15:42:23(UTC)
#81

Joined: 22/02/2018(UTC)
Posts: 1,195

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beresd;334359 wrote:
Thought I would post here rather than clog up with a dedicated post.

Long time listening, first time caller.

To summarise; I am 49 and at the start of my investing journey. I sold a rental property in East London and had money left over so researched what to do with it.

I know there is no holy grail portfolio, but if you can sleep well at night with it that's as good as it gets.

I have civil service pension so in a fortunate position. Plan is to hold racier funds for 10 years, then transfer to global tracker. While I build it, happy with 10% pa portfolio growth. Maxed my ISA for this year and will for next year.

So far, I have £48k in L&G Global Technology. I believe in technology moving forwards and will continue to leave as is.
4k in VanEck Defense.
1.2k in S&P 500 (was a panic buy last summer, Probably should sell and put into L&G. With the overvaluations, I am fearful of using that as my preferred tracker for the next 17 years)
0.1 bitcoin. Holding for 11 years regardless.

Back to on topic, Come this April, I will have £20k to max out my ISA. Thinking
10k Russell 2000 (hold for 5 years than transfer to Global tracker)
5k Wisdom Tree Blockchain or a European focused ETF
5k in global financial tracker. No idea what tracker though, but so many fund managers say financials are the way forward its tilted my thinking. Janus Henderson Global Financials is on my radar. Any suggestions?

(then next year's ISA allowance, 10k in L&G Global 100 and 10k into global tracker which I will then contribute £350 per month for the next 16 years) Again, no real idea on the fund. Ones I have looked at reading this forum include Rathbone Global Opps, JGGI, or VWRL / SWDA kind of thing.

At a loss really so help, direction, counsel would be much appreciated!


If 10 years or more I would just stick it all in a global index tracker or if you really want to have some 'racier' stuff have at least 60/70% as a core with global tracker and racier satellite funds around that. There are no guarantees that any fund will perform but some of the racy ones you mention might dive significantly. You bear all the signs of a new investor (so did I when I started!!) and like most of us have come up with various ideas which a global tracker covers (as I now know).
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5 users thanked mcminvest for this post.
smg8 on 17/02/2025(UTC), Guest on 17/02/2025(UTC), Dunno on 17/02/2025(UTC), Peanuts on 17/02/2025(UTC), Guest on 17/02/2025(UTC)
Dunno
Posted: 17 February 2025 18:05:12(UTC)
#82

Joined: 09/04/2024(UTC)
Posts: 60

Thanks: 61 times
Was thanked: 88 time(s) in 45 post(s)
mcminvest;334800 wrote:
beresd;334359 wrote:
Thought I would post here rather than clog up with a dedicated post.

Long time listening, first time caller.

To summarise; I am 49 and at the start of my investing journey. I sold a rental property in East London and had money left over so researched what to do with it.

I know there is no holy grail portfolio, but if you can sleep well at night with it that's as good as it gets.

I have civil service pension so in a fortunate position. Plan is to hold racier funds for 10 years, then transfer to global tracker. While I build it, happy with 10% pa portfolio growth. Maxed my ISA for this year and will for next year.

So far, I have £48k in L&G Global Technology. I believe in technology moving forwards and will continue to leave as is.
4k in VanEck Defense.
1.2k in S&P 500 (was a panic buy last summer, Probably should sell and put into L&G. With the overvaluations, I am fearful of using that as my preferred tracker for the next 17 years)
0.1 bitcoin. Holding for 11 years regardless.

Back to on topic, Come this April, I will have £20k to max out my ISA. Thinking
10k Russell 2000 (hold for 5 years than transfer to Global tracker)
5k Wisdom Tree Blockchain or a European focused ETF
5k in global financial tracker. No idea what tracker though, but so many fund managers say financials are the way forward its tilted my thinking. Janus Henderson Global Financials is on my radar. Any suggestions?

(then next year's ISA allowance, 10k in L&G Global 100 and 10k into global tracker which I will then contribute £350 per month for the next 16 years) Again, no real idea on the fund. Ones I have looked at reading this forum include Rathbone Global Opps, JGGI, or VWRL / SWDA kind of thing.

At a loss really so help, direction, counsel would be much appreciated!


If 10 years or more I would just stick it all in a global index tracker or if you really want to have some 'racier' stuff have at least 60/70% as a core with global tracker and racier satellite funds around that. There are no guarantees that any fund will perform but some of the racy ones you mention might dive significantly. You bear all the signs of a new investor (so did I when I started!!) and like most of us have come up with various ideas which a global tracker covers (as I now know).


I’d second this suggestion. If I was your age again in your position looking at 10 year plus pure accumulation, I’d keep things very simple and put 90% in a global tracker (Fidelity World is my preference) and 10% in the L&G Tech fund you already hold to overweight the tech component within the tracker (as I too favour a lean towards tech). I’d definitely not buy lots of small satellite funds hoping that one might be the golden goose which takes off and returns 500%…you’ll forever be worrying about the underachievers and chopping and changing.
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2 users thanked Dunno for this post.
Guest on 17/02/2025(UTC), Guest on 17/02/2025(UTC)
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