If moving some funds out of US based investments - probably not a straightfoward answer - but can anyone suggest a UK or European fund that they can either recommend or that seems to be a good alternative, based on personal experience or already invest in it. My SIPPs (I have 2) are with HL and I am thinking of moving things around?
If moving some funds out of US based investments - probably not a straightfoward answer - but can anyone suggest a UK or European fund that they can either recommend or that seems to be a good alternative, based on personal experience or already invest in it. My SIPPs (I have 2) are with HL and I am thinking of moving things around?
I am biased towards funds that invest for income, which may not be appropriate for your needs, so first of all you could do worse than go to BestInvest Best Funds guide, which while not foolproof (no advice is) certainly deploys rational criteria.
If moving some funds out of US based investments - probably not a straightfoward answer - but can anyone suggest a UK or European fund that they can either recommend or that seems to be a good alternative, based on personal experience or already invest in it. My SIPPs (I have 2) are with HL and I am thinking of moving things around?
I am biased towards funds that invest for income, which may not be appropriate for your needs, so first of all you could do worse than go to BestInvest Best Funds guide, which while not foolproof (no advice is) certainly deploys rational criteria.
Thank you @PragueAddick - have downloaded their free guide which seems to have recommendations for both income and accumulation. I'll take a look through - I'm sure I can find something.
You're correct. If i push the rebalance button it will align them to the target by buying an amount to hit those targets and selling shares that aren't shown.
My query is why would i want to increase my exposure to America when things are as they are there? Or to put it another way, would pushing the rebalance button be a bad move?
But you've not answered the important questions....what's your attitude to risk and what is this "model portfolio" trying to achieve ?
The US accounts for approx 65% of the world's stockmarket, so if you have an all share portfolio you are seriously underweight.
If you are a medium risk investor who's portfolio also contains Bonds, Property and Alternative investments then you are seriously overweight in US equities.
" I have 3 oranges and the computer says I should have 4......should I buy an apple instead?".
From both a wealth and values perspective, surely the question is where do we think the S&P is going during this turbulent period, does one wish to sit things out in bonds or even cash, and should one actively invest in UK and Europe?
The S&P 500 rose as high as 6,150 a couple of weeks back but now below 5,800 dur to the tariff threats etc.
The next question has to be which expert guidance one seeks so as to guide one through 2025, and then how much to shift away from US.
Put another way, if one has 65% invested over there as per a balanced view, why not halve that?! And that before we even secure expert advice around AI developments, the Tech 7, and where that whole sector might go.
And finally, shouldn't one consider one's value system as well as the annual return? For example, if one believes in European business and/or defence as a way forward, or backing the UK economy, then why not instruct advisers to make suggestions?
I'm no financial adviser so would never tell people where to look, not who to invest with. Just starting that whatever our personal and family wealth, there must surely be an ethical dimension.
If moving some funds out of US based investments - probably not a straightfoward answer - but can anyone suggest a UK or European fund that they can either recommend or that seems to be a good alternative, based on personal experience or already invest in it. My SIPPs (I have 2) are with HL and I am thinking of moving things around?
Artemis run a couple of top performing UK & European funds. Usually I would advise their UK Select and SmartGARP funds. Also a couple of JPM UK equity funds are doing ok atm. Other European funds are Waverton European & a couple of Schroder funds.
You're correct. If i push the rebalance button it will align them to the target by buying an amount to hit those targets and selling shares that aren't shown.
My query is why would i want to increase my exposure to America when things are as they are there? Or to put it another way, would pushing the rebalance button be a bad move?
But you've not answered the important questions....what's your attitude to risk and what is this "model portfolio" trying to achieve ?
The US accounts for approx 65% of the world's stockmarket, so if you have an all share portfolio you are seriously underweight.
If you are a medium risk investor who's portfolio also contains Bonds, Property and Alternative investments then you are seriously overweight in US equities.
" I have 3 oranges and the computer says I should have 4......should I buy an apple instead?".
From both a wealth and values perspective, surely the question is where do we think the S&P is going during this turbulent period, does one wish to sit things out in bonds or even cash, and should one actively invest in UK and Europe?
The S&P 500 rose as high as 6,150 a couple of weeks back but now below 5,800 dur to the tariff threats etc.
The next question has to be which expert guidance one seeks so as to guide one through 2025, and then how much to shift away from US.
Put another way, if one has 65% invested over there as per a balanced view, why not halve that?! And that before we even secure expert advice around AI developments, the Tech 7, and where that whole sector might go.
And finally, shouldn't one consider one's value system as well as the annual return? For example, if one believes in European business and/or defence as a way forward, or backing the UK economy, then why not instruct advisers to make suggestions?
I'm no financial adviser so would never tell people where to look, not who to invest with. Just starting that whatever our personal and family wealth, there must surely be an ethical dimension.
Trying to play the market could leave you with egg on your face. Just because the S&P has fallen thus week doesn't mean it can't rebound tomorrow. It only takes 1 tweet from Trump & the markets could reverse all their losses just like that.
If you have a balanced portfolio, with your equity & fixed interest contents spread around different countries & sectors then just hold your nerve. That's the whole point of a balanced portfolio - when one area rises another might fall......and vice versa. Trying to dip in & out just because there had been a 2% drop this week is just madness.
Comments
From both a wealth and values perspective, surely the question is where do we think the S&P is going during this turbulent period, does one wish to sit things out in bonds or even cash, and should one actively invest in UK and Europe?
The S&P 500 rose as high as 6,150 a couple of weeks back but now below 5,800 dur to the tariff threats etc.
The next question has to be which expert guidance one seeks so as to guide one through 2025, and then how much to shift away from US.
Put another way, if one has 65% invested over there as per a balanced view, why not halve that?! And that before we even secure expert advice around AI developments, the Tech 7, and where that whole sector might go.
And finally, shouldn't one consider one's value system as well as the annual return? For example, if one believes in European business and/or defence as a way forward, or backing the UK economy, then why not instruct advisers to make suggestions?
I'm no financial adviser so would never tell people where to look, not who to invest with. Just starting that whatever our personal and family wealth, there must surely be an ethical dimension.
If you have a balanced portfolio, with your equity & fixed interest contents spread around different countries & sectors then just hold your nerve. That's the whole point of a balanced portfolio - when one area rises another might fall......and vice versa. Trying to dip in & out just because there had been a 2% drop this week is just madness.
Hold tight & hold your nerve.