iambic Portfolio - any thoughts welcome please
Posted: January 9th, 2019, 11:33 am
After a lot of deliberation about what should make up my & my husband's joint portfolio (both being new to investing), I think we've finally settled on what it should look like. To start with it's mainly trackers but we'd like to start adding Investment Trusts or individual shares down the line to try improve returns, when we feel more comfortable about they work.
I've borrowed heavily from the excellent RetirementInvestingToday blog as well as Monevator, but have made a few tweaks here & there to the below. We haven't got money in all of these yet as we're still building it up (no bonds or property at all yet for instance), but I've unitised what we've invested from the beginning & we're currently at -5.26%. Not great but I'm hoping having poor returns now will help build up our tolerance & stop us panicking when there's a downturn down the line. The plan is to invest for the long term (10+ years) so we don't plan to sell (unless someone here points out a glaring error & we've massively overexposed ourselves somewhere...!)
All the funds are currently (or will be when we buy them) held within ISA wrappers in Vanguard & Fidelity. I've included cash (held in a savings account) & P2P lending just for tidiness so the target percentages add up to 100.
Any thoughts would be appreciated - does this look like a sensible starting point & is it diversified enough do you think?
Many thanks, iambic.
I've borrowed heavily from the excellent RetirementInvestingToday blog as well as Monevator, but have made a few tweaks here & there to the below. We haven't got money in all of these yet as we're still building it up (no bonds or property at all yet for instance), but I've unitised what we've invested from the beginning & we're currently at -5.26%. Not great but I'm hoping having poor returns now will help build up our tolerance & stop us panicking when there's a downturn down the line. The plan is to invest for the long term (10+ years) so we don't plan to sell (unless someone here points out a glaring error & we've massively overexposed ourselves somewhere...!)
All the funds are currently (or will be when we buy them) held within ISA wrappers in Vanguard & Fidelity. I've included cash (held in a savings account) & P2P lending just for tidiness so the target percentages add up to 100.
Any thoughts would be appreciated - does this look like a sensible starting point & is it diversified enough do you think?
Many thanks, iambic.