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Beginner
Posted: 13 May 2023 07:49:10(UTC)
#1

Joined: 11/05/2023(UTC)
Posts: 6
Hi all.

Looking for recommendations as to where best allocate money into 2 JISA for long term without worrying about it too much, with monthly topup.

Which Funds to consider ?
Is there a platform preference ?

I have one with Natwest and one with AJ Bell, but not sold on those.

Thanks in advance!
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mcminvest
Posted: 23 May 2023 09:56:45(UTC)
#2

Joined: 22/02/2018(UTC)
Posts: 1,195
Both my JISAs are with Vanguard in Global Passive Funds

Easy to set up monthly payments, clear easy platform once you get used to it. Help and support is also excellent phone or via the online platform.
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Newbie
Posted: 23 May 2023 10:42:47(UTC)
#3

Joined: 31/01/2012(UTC)
Posts: 3,816

Thanks: 6009 times
Was thanked: 7025 time(s) in 2602 post(s)
FCIT - Been around for over a century in different guises and still churning out results - available on AJB.
Vanguard FTSE Global All Cap Fund - Full (well almost) stock market exposure.
VWRL - As above but ETF.
HSBC FTSE World Index - Developed countries

Latter 3 are trackers and FCIT actively managed. Although the FCIT is equity based, it has not always been so, it has changed with time and circumstances since the 19th century. It was into bonds, property, and other asset classes. Also available directly via Columbia Threadneedle - CTUK, with ultra low charges (no dealing or holding fee)
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Keith Cobby on 23/05/2023(UTC), Chans on 26/05/2023(UTC)
Keith Cobby
Posted: 23 May 2023 11:16:16(UTC)
#4

Joined: 07/03/2012(UTC)
Posts: 5,061

Thanks: 5958 times
Was thanked: 12438 time(s) in 3855 post(s)
I use the CT wrapper for my son's CTF which holds FCIT, CTPE, GSCT. It's been compounding for almost 16 years. I understand why many are using Vanguard but FCIT/CTPE is a good active alternative while also offering private equity.
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Jeff Liddiard on 23/05/2023(UTC)
Jeff Liddiard
Posted: 23 May 2023 11:42:03(UTC)
#5

Joined: 20/01/2012(UTC)
Posts: 908
Keith Cobby;267776 wrote:
I use the CT wrapper for my son's CTF which holds FCIT, CTPE, GSCT. It's been compounding for almost 16 years. I understand why many are using Vanguard but FCIT/CTPE is a good active alternative while also offering private equity.


I like CTPE YTD 20.1% performance as of today 23.05.23
I also like VANGUARD FTSE Global All Cap but YTD only 5.1% performance as of today.
Both totally different investments of course.
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Isaac J
Posted: 23 May 2023 17:11:36(UTC)
#6

Joined: 25/05/2022(UTC)
Posts: 298

Thanks: 251 times
Was thanked: 608 time(s) in 226 post(s)
HL has almost no charges on JISAs, including platform fee and trading charges.

https://www.hl.co.uk/investment-services/junior-isa/savings-interest-rates-and-charges

Stamp duty still applies (where relevant).
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2 users thanked Isaac J for this post.
Strangways on 24/05/2023(UTC), Chans on 26/05/2023(UTC)
NigelV
Posted: 20 June 2023 15:01:03(UTC)
#7

Joined: 24/11/2017(UTC)
Posts: 123
Have two pots

JISA for each of the boys is in HSBC Global Strategy Adventurous, to keep it as simple and low cost as possible. We use II as this where the OHs ISA is so there is no charge.

We hold a ring fenced Uni/Future Fund inside our ISAs, made up of BG Positive Change/Artemis US Smaller Company/Van ECK GOGB. But looking to trim this down to 2 holdings, probably combine US Smaller and GOGB into a single holding. Haven't worked out what this will be though.
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Antony A
Posted: 18 July 2023 23:27:55(UTC)
#8

Joined: 02/09/2013(UTC)
Posts: 137
Warren Buffett suggests most people just need:
- 90% in VOO (in the US) or VUSA (Vanguard S&P500 ETF trackers), which have an expense ratio of 0.03%, yield 1.6%
- and 10% in Vanguard Short-Term Treasury Index ETF (VGSH), which has an expense ratio of 0.04%, yield 1.91%.
- rebalance once a year.


My daughter's JISA portfolio is overcomplicated in comparison, mostly investment trusts and a couple of ETFs. It has at least 12 years to grow before possible use for university fees, or longer for a house deposit, so she has time on her side to catch a global economic recovery post-pandemic/ Ukraine/ oil and food price shock/ global inflation. It holds, roughly:

Core:
VWRL 20% Vanguard index tracker FTSE All-World
VUSA 10% Vanguard index tracker S&P500
SRE 5% German real estate

Satellite
PHI 5% Pacific Horizon, smaller caps
JAM 5% JPM American
FEV 5% Fidelity European

Private Equity and "Best Ideas"
PSH 10% Pershing Square Holdings
OCI 10% Oakley Capital
HGT 10% HG Capital
SMT 5% Scottish Mortgage
BG Positive Change 5%

Cash 10% drip-feeding into VWRL and JGGI (JPM Global Income and Growth)
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todd
Posted: 19 July 2023 04:58:19(UTC)
#9

Joined: 04/05/2021(UTC)
Posts: 28
I'd recommend Fidelity. There are no platform charges, other than trading fees, for JISAs. Buying with regular invest costs only £1.50.

I'm 100% Fidelity World P which has discounted ongoing charges of 0.1%.

I'm happy to lose my own money trying to be clever but want to keep it simple and boring for the kids.
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