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Savings and Investments thread
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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?4
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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.CafcWest said: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?3 -
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.PragueAddick said:
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.CafcWest said: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?0 -
golfaddick said:
But you've not answered the important questions....what's your attitude to risk and what is this "model portfolio" trying to achieve ?Friend Or Defoe said: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?
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.0 -
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.CafcWest said: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?5 -
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.seriously_red said:golfaddick said:
But you've not answered the important questions....what's your attitude to risk and what is this "model portfolio" trying to achieve ?Friend Or Defoe said: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?
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 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.6 -
First off it's a 5% drop over a few weeks. Second, my question was where do the experts think it will gogolfaddick said:
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.seriously_red said:golfaddick said:
But you've not answered the important questions....what's your attitude to risk and what is this "model portfolio" trying to achieve ?Friend Or Defoe said: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?
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 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.
Third, does one have tolerance and appetite for the turbulence. And finally, if the USA is dicking about with UK & European security, then is one confortable investing there?
So this isn't about dipping in and out, or attempting to buy back at the bottom. Whether one has a portfolio of £100K, £250K or far more, how much does one actually need as a return compared to sitting out this rollercoaster?0 -
I haven't attended any investment seminars recently but last month the "experts" (aka fund managers) were saying that even though the US was overpriced it was still worth investing in. They did say that the better areas to invest in would be the UK, Europe & Japan.......so you could take some money out of the US and spread it around those markets.seriously_red said:
First off it's a 5% drop over a few weeks. Second, my question was where do the experts think it will gogolfaddick said:
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.seriously_red said:golfaddick said:
But you've not answered the important questions....what's your attitude to risk and what is this "model portfolio" trying to achieve ?Friend Or Defoe said: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?
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 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.
Third, does one have tolerance and appetite for the turbulence. And finally, if the USA is dicking about with UK & European security, then is one confortable investing there?
So this isn't about dipping in and out, or attempting to buy back at the bottom. Whether one has a portfolio of £100K, £250K or far more, how much does one actually need as a return compared to sitting out this rollercoaster?2 -
That sounds like a good idea, thanks.golfaddick said:
I haven't attended any investment seminars recently but last month the "experts" (aka fund managers) were saying that even though the US was overpriced it was still worth investing in. They did say that the better areas to invest in would be the UK, Europe & Japan.......so you could take some money out of the US and spread it around those markets.seriously_red said:
First off it's a 5% drop over a few weeks. Second, my question was where do the experts think it will gogolfaddick said:
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.seriously_red said:golfaddick said:
But you've not answered the important questions....what's your attitude to risk and what is this "model portfolio" trying to achieve ?Friend Or Defoe said: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?
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 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.
Third, does one have tolerance and appetite for the turbulence. And finally, if the USA is dicking about with UK & European security, then is one confortable investing there?
So this isn't about dipping in and out, or attempting to buy back at the bottom. Whether one has a portfolio of £100K, £250K or far more, how much does one actually need as a return compared to sitting out this rollercoaster?
I would usually stay firm but things are a little different over there now...0 -
I'm planning on investing in a Stocks and Shares ISA for the first time very soon and have been doing a fair bit of 'beginner' research on it. Seems like an interesting time to be getting involved considering the recent US turbulence.
I'm set up on Trading 212. Would anyone recommend just trying one of the pre-made 'pies' they have on there or is it better to create from scratch? It seems convenient to just pick a ready made one.0 - Sponsored links:
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I use 212 for the cash ISA but not S&S, but when I had a look a while back I thought the pies weren't actually 212 set pies, but members of the community? Unless that's changed?cafctom said:I'm planning on investing in a Stocks and Shares ISA for the first time very soon and have been doing a fair bit of 'beginner' research on it. Seems like an interesting time to be getting involved considering the recent US turbulence.
I'm set up on Trading 212. Would anyone recommend just trying one of the pre-made 'pies' they have on there or is it better to create from scratch? It seems convenient to just pick a ready made one.0 -
Mine is set by Blackrock. You can chose community ones.Rob7Lee said:
I use 212 for the cash ISA but not S&S, but when I had a look a while back I thought the pies weren't actually 212 set pies, but members of the community? Unless that's changed?cafctom said:I'm planning on investing in a Stocks and Shares ISA for the first time very soon and have been doing a fair bit of 'beginner' research on it. Seems like an interesting time to be getting involved considering the recent US turbulence.
I'm set up on Trading 212. Would anyone recommend just trying one of the pre-made 'pies' they have on there or is it better to create from scratch? It seems convenient to just pick a ready made one.
I love the 212 Cash ISA, highest percentage i could find and daily interest. Will lump a fair bit into next year.0 -
Nothing for me £75 for 'Er indoors on the premium bonds. Both approx 50% holdings.0
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The US market has regularly performed better than any other market quite consistently in the medium term, say 10 years for pretty much every period over the last 125 years. So I personally cannot see the logic of reducing holdings in US to put elsewhere. There again I'm not an investment expert who tries to predict the future (and they nearly always get it wrong anyway!). Personally, and this isn't too different from what golfie has often said; balanced portfolio depending upon your circumstances and appetite for risk. I've always then added more into US equities and less in supposed less risky investments. This has always done me very well in the past.1
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That's if the government don't reduce the allowance from 20k down to 4k (as is rumored).Friend Or Defoe said:
Mine is set by Blackrock. You can chose community ones.Rob7Lee said:
I use 212 for the cash ISA but not S&S, but when I had a look a while back I thought the pies weren't actually 212 set pies, but members of the community? Unless that's changed?cafctom said:I'm planning on investing in a Stocks and Shares ISA for the first time very soon and have been doing a fair bit of 'beginner' research on it. Seems like an interesting time to be getting involved considering the recent US turbulence.
I'm set up on Trading 212. Would anyone recommend just trying one of the pre-made 'pies' they have on there or is it better to create from scratch? It seems convenient to just pick a ready made one.
I love the 212 Cash ISA, highest percentage i could find and daily interest. Will lump a fair bit into next year.0 -
Same, still pays a decent rate, just keep a bit of emergency cash and like the fact it's flexible so can draw out/pay in to my hearts content!Friend Or Defoe said:
Mine is set by Blackrock. You can chose community ones.Rob7Lee said:
I use 212 for the cash ISA but not S&S, but when I had a look a while back I thought the pies weren't actually 212 set pies, but members of the community? Unless that's changed?cafctom said:I'm planning on investing in a Stocks and Shares ISA for the first time very soon and have been doing a fair bit of 'beginner' research on it. Seems like an interesting time to be getting involved considering the recent US turbulence.
I'm set up on Trading 212. Would anyone recommend just trying one of the pre-made 'pies' they have on there or is it better to create from scratch? It seems convenient to just pick a ready made one.
I love the 212 Cash ISA, highest percentage i could find and daily interest. Will lump a fair bit into next year.Quite like the look of the S&S Isa too so may give it a go.0 -
May I ask, when "you added more into US equities", how exactly? Did you pick your stocks, or did you just buy US-focused funds? Because if the latter, you are no longer buying what you would have bought 10 years ago. Then, you would have been buying companies like Procter & Gamble (I own some shares in them, and am very happy I do). If you buy a "North America" general fund you will have maybe 4% of it in Nvidia, a company that 4 years ago, literally nobody on here had even heard of. That's what makes the present different to the past. The result might still be the same. But that's what we have to think about. Is it still going to be same old?redman said:The US market has regularly performed better than any other market quite consistently in the medium term, say 10 years for pretty much every period over the last 125 years. So I personally cannot see the logic of reducing holdings in US to put elsewhere. There again I'm not an investment expert who tries to predict the future (and they nearly always get it wrong anyway!). Personally, and this isn't too different from what golfie has often said; balanced portfolio depending upon your circumstances and appetite for risk. I've always then added more into US equities and less in supposed less risky investments. This has always done me very well in the past.0 -
Really, I thought anyone who had a computer from the mid 90's would have certainly heard of them from at least a graphics card perspective.PragueAddick said:
May I ask, when "you added more into US equities", how exactly? Did you pick your stocks, or did you just buy US-focused funds? Because if the latter, you are no longer buying what you would have bought 10 years ago. Then, you would have been buying companies like Procter & Gamble (I own some shares in them, and am very happy I do). If you buy a "North America" general fund you will have maybe 4% of it in Nvidia, a company that 4 years ago, literally nobody on here had even heard of. That's what makes the present different to the past. The result might still be the same. But that's what we have to think about. Is it still going to be same old?redman said:The US market has regularly performed better than any other market quite consistently in the medium term, say 10 years for pretty much every period over the last 125 years. So I personally cannot see the logic of reducing holdings in US to put elsewhere. There again I'm not an investment expert who tries to predict the future (and they nearly always get it wrong anyway!). Personally, and this isn't too different from what golfie has often said; balanced portfolio depending upon your circumstances and appetite for risk. I've always then added more into US equities and less in supposed less risky investments. This has always done me very well in the past.5 -
Yup, known about Nvidia for a good 20yrs.Rob7Lee said:
Really, I thought anyone who had a computer from the mid 90's would have certainly heard of them from at least a graphics card perspective.PragueAddick said:
May I ask, when "you added more into US equities", how exactly? Did you pick your stocks, or did you just buy US-focused funds? Because if the latter, you are no longer buying what you would have bought 10 years ago. Then, you would have been buying companies like Procter & Gamble (I own some shares in them, and am very happy I do). If you buy a "North America" general fund you will have maybe 4% of it in Nvidia, a company that 4 years ago, literally nobody on here had even heard of. That's what makes the present different to the past. The result might still be the same. But that's what we have to think about. Is it still going to be same old?redman said:The US market has regularly performed better than any other market quite consistently in the medium term, say 10 years for pretty much every period over the last 125 years. So I personally cannot see the logic of reducing holdings in US to put elsewhere. There again I'm not an investment expert who tries to predict the future (and they nearly always get it wrong anyway!). Personally, and this isn't too different from what golfie has often said; balanced portfolio depending upon your circumstances and appetite for risk. I've always then added more into US equities and less in supposed less risky investments. This has always done me very well in the past.0 -
Been the number one hand cream for years.cafcpolo said:
Yup, known about Nvidia for a good 20yrs.Rob7Lee said:
Really, I thought anyone who had a computer from the mid 90's would have certainly heard of them from at least a graphics card perspective.PragueAddick said:
May I ask, when "you added more into US equities", how exactly? Did you pick your stocks, or did you just buy US-focused funds? Because if the latter, you are no longer buying what you would have bought 10 years ago. Then, you would have been buying companies like Procter & Gamble (I own some shares in them, and am very happy I do). If you buy a "North America" general fund you will have maybe 4% of it in Nvidia, a company that 4 years ago, literally nobody on here had even heard of. That's what makes the present different to the past. The result might still be the same. But that's what we have to think about. Is it still going to be same old?redman said:The US market has regularly performed better than any other market quite consistently in the medium term, say 10 years for pretty much every period over the last 125 years. So I personally cannot see the logic of reducing holdings in US to put elsewhere. There again I'm not an investment expert who tries to predict the future (and they nearly always get it wrong anyway!). Personally, and this isn't too different from what golfie has often said; balanced portfolio depending upon your circumstances and appetite for risk. I've always then added more into US equities and less in supposed less risky investments. This has always done me very well in the past.14 - Sponsored links:
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I moved about 5% from US to Europe. Let's see how it pans out.
I think you're in the minority Prague. Nvidia pretty much have had a monopoly on graphics cards for over 20 years now. You're probably using one of their chips right now!0 -
Anybody taken an annuity recently? Can get an implied rate of around +7% at the moment for me which is tempting. I understand the downsides but not having to worry about market gyrations if I have a drawdown pension is attractive. @golfaddick? Any thoughts?0
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OK, it was clearly my mistake to refer to *awareness of Nvidia on this thread*, because its full of people who play computer games😉 But I was basically referencing a comment from an FT finance commentator a week ago, who would have had in mind this trajectory mapped out by Claude.ai:
I can provide an analysis of Nvidia's rise in public awareness over the past 20 years, though I don't have precise numerical data after my October 2024 knowledge cutoff.
Nvidia's public awareness has seen significant growth phases:
2003-2010: Gaming-focused recognition
- Known primarily among PC gamers and tech enthusiasts
- Limited mainstream recognition outside tech circles
- Brand associated mainly with graphics cards for gaming
2010-2018: Expanding recognition
- Growing awareness as GPUs became important for professional applications
- Increased visibility in creative industries (video editing, 3D modeling)
- Early AI applications began broadening their audience
2018-2023: Mainstream breakthrough
- Major increase in visibility with the AI boom
- Stock performance began attracting general business news coverage
- CEO Jensen Huang gained more public recognition
2023-2024: Cultural phenomenon
- Became a household name in business and investment communities
- Regular coverage in mainstream media, not just tech publications
- Nvidia's market cap and AI leadership made it a recurring news story
Five years ago (2020), Nvidia was well-known in tech circles but had significantly less mainstream recognition than today. The explosive growth in awareness likely came in the 2022-2024 period with the generative AI boom.
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Yes, annuity rates are good at the moment do look attractive compared with the past 15 years.wwaddick said:Anybody taken an annuity recently? Can get an implied rate of around +7% at the moment for me which is tempting. I understand the downsides but not having to worry about market gyrations if I have a drawdown pension is attractive. @golfaddick? Any thoughts?
What you have to compare is the flexibility that Drawdown brings against the security of an Annuity. I cant really say what is best in your case as I dont know your overall financial situation, but if you take an Annuity now you cant change your mind later as your pension pot is gone forever. If you go into Drawdown now you can always take an Annuity later down the line.1 -
For me personally it would have been mid 90's in a small way but 2000's when I had considerably more funds. I am no expert and have always favoured funds and for several reasons mostly in index linked funds (sorry golfie). You are obviously correct in saying that what you are are buying now is different to the past, even 4 years ago. However that is true what you would have bought in 1920 v 1900 or 1960 v 1940. One thing that I don't believe has changed and is unlikely to change in the next 50 years is attitude and backdrop. The US encourages entrepeneurship, sees profit as not only essential but a good thing and has always been dynamic. Energy prices should not be ignored as a big factor either with the US having a massive advantage.PragueAddick said:
May I ask, when "you added more into US equities", how exactly? Did you pick your stocks, or did you just buy US-focused funds? Because if the latter, you are no longer buying what you would have bought 10 years ago. Then, you would have been buying companies like Procter & Gamble (I own some shares in them, and am very happy I do). If you buy a "North America" general fund you will have maybe 4% of it in Nvidia, a company that 4 years ago, literally nobody on here had even heard of. That's what makes the present different to the past. The result might still be the same. But that's what we have to think about. Is it still going to be same old?redman said:The US market has regularly performed better than any other market quite consistently in the medium term, say 10 years for pretty much every period over the last 125 years. So I personally cannot see the logic of reducing holdings in US to put elsewhere. There again I'm not an investment expert who tries to predict the future (and they nearly always get it wrong anyway!). Personally, and this isn't too different from what golfie has often said; balanced portfolio depending upon your circumstances and appetite for risk. I've always then added more into US equities and less in supposed less risky investments. This has always done me very well in the past.
In summary the future won't be the same as the old, but sticking to long term fundamentals I' would still be happy to stick to my phylosophy.1 -
For full disclosure I should also add; having said all that I am likely to taking a lot out of funds in the next few months. Simple reason is my life expectancy is short and I'm starting to plan a strategy both for me "less financial aware" wife and ineritance tax.4
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So to hear that. Might want to look at Business Relief schemes for IHT issues.redman said:For full disclosure I should also add; having said all that I am likely to taking a lot out of funds in the next few months. Simple reason is my life expectancy is short and I'm starting to plan a strategy both for me "less financial aware" wife and ineritance tax.0 -
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And......???cazo said:0 -
cazo said:There is an additional starter rate for savings of up to £5,000 for low earners. If your only source of income is less than the personal allowance of £12,570 you get the full £5,000 reducing pound for pound until earnings reach £17570.So for someone who has their only source of earnings at less than £12,570 (e.g. basic state pension) they can earn the first £6,000 in interest tax free (£5,000 starter rate plus £1,000 savings allowance).It is possible that the Chancellor might tinker/abolish the above.0
