Interested to hear whether people are still piling into American markets, and what there percentage exposure as a percentage of portfolio is to American markets?
Interested to hear whether people are still piling into American markets, and what there percentage exposure as a percentage of portfolio is to American markets?
Not sure piling is the right word for mine, but 39% currently in the US in my SIPP, 34% UK, 6% Europe, 6% Japan, 6% APAC, 6% cash, few % remainder elsewhere.
Am sitting here looking at the grandkids Junior ISAs, thinking that at the rate they are growing they might opt to retire at aged 18 rather than start a career!
Only kidding, but it's a great way of providing them with a financial boost. Wish I had been in a position to do it for my children, but mortgages etc took priority in those days.
Anybody got a recommendation on junior ISA provider?
This is not a recommendation, but I use the Hargreaves Lansdown platform and invest the grandkids ISA funds primarily across 5 core funds recommended by my brother in law, who has a fund management background - Jupiter Merian Asia Pacific - Vanguard FTSE All World High Dividend Yield - S&P 500 Equal Weight UCITS ETF - Vanguard FTSE UK Equity Income Index - iShares IV plc MSCI World Mid-Cap Equal Weight UCITS ETF
In the past year I have added 2 extra funds - Polar Capital Technology Trust plc (has done well) and Jupiter India (not so well).
As I suspect most investment platform do, Hargreaves Lansdown can provide ready made portfolio ideas for Junior ISA investments.
Interested to hear whether people are still piling into American markets, and what there percentage exposure as a percentage of portfolio is to American markets?
My SIPP (along with many of my clients holdings) are approx
25% US 22% UK 10% Europe 10% Asia (Japan, China etc) 33% Fixed Interest, Property & cash.
Interested to hear whether people are still piling into American markets, and what there percentage exposure as a percentage of portfolio is to American markets?
My SIPP (along with many of my clients holdings) are approx
25% US 22% UK 10% Europe 10% Asia (Japan, China etc) 33% Fixed Interest, Property & cash.
You didn't't fancy the old school rule of thumb then of 39%, 34%, 6%, 6%, 6%, 6%, 3%?
Interested you keep 1/3rd in FI Prop and cash, seems quite risk adverse in general, is that an age/near retirement thing? I.E. if you had a 21 year old client would you still do a third like that?
This morning my SIPP has again reached an all time high, will this continue, who knows, but I've just sold about 10% into cash for now.
Interested to hear whether people are still piling into American markets, and what there percentage exposure as a percentage of portfolio is to American markets?
I have 5x as much in my ISA/Investment (won't earn enough to pay CGT so all tax free) account as I do in my pension at the moment...
I restructured my portfolio a few months back due to the US being the only party in town and I'm now:
67% North America 13.5% UK 4% EU 4% Japan Rest is emerging markets/RoW
100% equities, but starting next tax year I'm going to have about £10-£15k in Fixed income US inflation linked bonds which have a yield of about 6.7% in case I do get made redundant!
Warren Buffett spoke of the 90/10 rule which was quite simply put 90% of your cash in an S&P 500 tracker with an exceptionally low fee, and the other 10% in short term government bonds in case you need cash.
I'll probably be following that rule until I'm mid to late 50s.
Interested to hear whether people are still piling into American markets, and what there percentage exposure as a percentage of portfolio is to American markets?
My SIPP (along with many of my clients holdings) are approx
25% US 22% UK 10% Europe 10% Asia (Japan, China etc) 33% Fixed Interest, Property & cash.
You didn't't fancy the old school rule of thumb then of 39%, 34%, 6%, 6%, 6%, 6%, 3%?
Interested you keep 1/3rd in FI Prop and cash, seems quite risk adverse in general, is that an age/near retirement thing? I.E. if you had a 21 year old client would you still do a third like that?
This morning my SIPP has again reached an all time high, will this continue, who knows, but I've just sold about 10% into cash for now.
Can I ask why you do this? Do you think you can sell at the peak and buy in a dip?
Comments
8600 please, @Rob7Lee😉
- Jupiter Merian Asia Pacific
- Vanguard FTSE All World High Dividend Yield
- S&P 500 Equal Weight UCITS ETF
- Vanguard FTSE UK Equity Income Index
- iShares IV plc MSCI World Mid-Cap Equal Weight UCITS ETF
In the past year I have added 2 extra funds - Polar Capital Technology Trust plc (has done well) and Jupiter India (not so well).
As I suspect most investment platform do, Hargreaves Lansdown can provide ready made portfolio ideas for Junior ISA investments.
25% US
22% UK
10% Europe
10% Asia (Japan, China etc)
33% Fixed Interest, Property & cash.
Interested you keep 1/3rd in FI Prop and cash, seems quite risk adverse in general, is that an age/near retirement thing? I.E. if you had a 21 year old client would you still do a third like that?
This morning my SIPP has again reached an all time high, will this continue, who knows, but I've just sold about 10% into cash for now.
I have 5x as much in my ISA/Investment (won't earn enough to pay CGT so all tax free) account as I do in my pension at the moment...
I restructured my portfolio a few months back due to the US being the only party in town and I'm now:
67% North America
13.5% UK
4% EU
4% Japan
Rest is emerging markets/RoW
100% equities, but starting next tax year I'm going to have about £10-£15k in Fixed income US inflation linked bonds which have a yield of about 6.7% in case I do get made redundant!
Warren Buffett spoke of the 90/10 rule which was quite simply put 90% of your cash in an S&P 500 tracker with an exceptionally low fee, and the other 10% in short term government bonds in case you need cash.
I'll probably be following that rule until I'm mid to late 50s.