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So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Nen2319 wrote:So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Personally, I'd whack it all in the VWRL world tracker. If I needed more income than its yield, I'd sell some as necessary.

Edit: oops, wrong answer for this board I suppose, sorry I didn't notice where I was.

Scott.

Nen2319 wrote:So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Your exact question is academic as you can't do that. The max you can put into an ISA today is £20k.

But to address your point I think I'd agree with Scott. Go ultra conservative!

I say this as I put £20k into an ISA back in August and chose five ITs. Three conservative mainstream choices, one rather more adventurous and one definitely risky punt. Now the whole ISA is 11% underwater today. Huh, what an idiot.

Try not to feel like that. You can't expect to get market timing right all the time. 6 months is not a long time in investing.

If for income then personally at the moment I would go with Merchants IT, Law Debenture IT and Regional REIT, but everyone has their own ideas and favourites and of course it very much depends on your timescale and risk appetite. The last thing I would do is whack it into a global tracker, but each to their own.

MM

Mike4 wrote:

Nen2319 wrote:So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Your exact question is academic as you can't do that. The max you can put into an ISA today is £20k.

To be somehat pedantic it seems the OP already has it in the ISA

Mike4 wrote:

Nen2319 wrote:So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Your exact question is academic as you can't do that. The max you can put into an ISA today is £20k.

It says if you had £100k cash, not if you put £100k cash. So quite possible if it's been built up or something else sold within the ISA.

Scott.

Mike4 wrote:

Nen2319 wrote:So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Your exact question is academic as you can't do that. The max you can put into an ISA today is £20k.

if we're being pedantic the wording of the question was "if you had £100k cash in" not "if you had £100k cash to put in". The cash is already in there from previous years allowances in this scenario.

Nen2319 wrote:So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Depends on your age and aims... income... growth... ?

V8

Mike4 wrote:

Nen2319 wrote:So, if you had £100k cash in an ISA to invest today, what would your portfolio look like??

Your exact question is academic as you can't do that. The max you can put into an ISA today is £20k.


Mike - It could already be in there from previous years and performance.

Do you have City of London in your IT's - seems to be performing Ok over last 5 months.

MaraMan wrote:If for income then personally at the moment I would go with Merchants IT, Law Debenture IT and Regional REIT, but everyone has their own ideas and favourites and of course it very much depends on your timescale and risk appetite. The last thing I would do is whack it into a global tracker, but each to their own.

MM

Why ? I'm pretty much limiting myself to VWRL now, as I realsie I don't have an 'edge' so selecting individual ITs/shares is probably pointless.

One stop options exist.
Costs vary with broker and whether you might fancy a change later - spread and suchlike.

Aegon Diversified Monthly Income - nominal spread if you fancy a change later.
BMO Managed Portfolio Income - small and expensive with spread but designed for the job.

Assuming no prior knowledge and a cop out was required.

W.

It's kinda like the "what would you do if you won the lottery?" question for the unthinking investing.

Personally, it would be added to my existing holdings, of course.

Hold as much cash as you feel you need to stay liquid, and put the rest to work with whatever your long term strategy is.

And as OP hasn't provided any additional details about his long term strategy we are all just shooting in the dark about what it should be used to buy.

vand wrote:It's kinda like the "what would you do if you won the lottery?" question for the unthinking investing.

Personally, it would be added to my existing holdings, of course.

Hold as much cash as you feel you need to stay liquid, and put the rest to work with whatever your long term strategy is.

And as OP hasn't provided any additional details about his long term strategy we are all just shooting in the dark about what it should be used to buy.

Vand - the question is what would "your" portfolio look like? I'm just interested what would you do with it?

AleisterCrowley wrote:

MaraMan wrote:If for income then personally at the moment I would go with Merchants IT, Law Debenture IT and Regional REIT, but everyone has their own ideas and favourites and of course it very much depends on your timescale and risk appetite. The last thing I would do is whack it into a global tracker, but each to their own.

MM

Why ? I'm pretty much limiting myself to VWRL now, as I realsie I don't have an 'edge' so selecting individual ITs/shares is probably pointless.

Hi

Because it is a big bet on the US market given they are the lions share of any global tracker. It seems there may be bubble that is about to burst and it may hit the US hardest. Just my personal view of course.

MM

Nen2319 wrote:

vand wrote:It's kinda like the "what would you do if you won the lottery?" question for the unthinking investing.

Personally, it would be added to my existing holdings, of course.

Hold as much cash as you feel you need to stay liquid, and put the rest to work with whatever your long term strategy is.

And as OP hasn't provided any additional details about his long term strategy we are all just shooting in the dark about what it should be used to buy.

Vand - the question is what would "your" portfolio look like? I'm just interested what would you do with it?

My top level AA breakdown looks roughly like this

General Equity 38.03%
REIT 7.17%
Government Bonds 4.87%
Precious Metals 22.81%
Precious Metal Equity 8.23%
Investment Trusts 15.12%
Commodities 1.14%
Cash 2.63%

and any large cash windfall would be added to the portfolio in those rough proportions

@ MaraMan Yes, I must admit the dominance of the big US companies bothers me a bit, so I take the point.
Not sure what else to do though - plenty of evidence that taking an active view and weighting away from 'fat looking' markets doesn't add value on average. I may stick this month's contributions on a horse...

AleisterCrowley wrote:@ MaraMan Yes, I must admit the dominance of the big US companies bothers me a bit, so I take the point.
Not sure what else to do though - plenty of evidence that taking an active view and weighting away from 'fat looking' markets doesn't add value on average. I may stick this month's contributions on a horse...

Yes it's very difficult to know what to do at the moment. Maybe this is the time for a stock picker style IT in whose strategy you believe, such as one that is light on the US? Personally I would still want some US exposure but not 60% of my equity portfolio, at the moment anyway, but of course if this bull run continues........

MM

Who knows which way it will go !
'It's tough to make predictions, especially about the future'”
Yogi Berra, baseball coach

40% FTSE All-share tracker
20% FTSE 250/mid-cap tracker
15% cash
15% gold bullion
10% precious metal mining shares

If the boom continues, FTSE is not expensive relative to most other global indices and probably has some major catching up to do over the next few years. If being UK-focused is concerning, then replace FTSE All-share and FTSE 250 with international tracker funds.

If the current funny money boom turns to a bust, you might be glad you had a decent chunk of cash to accumulate more shares at lower prices.

If inflation continues out of control, cash and shares would probably take a beating but the precious metals should do well.

It is not expected that all components of the portfolio will do well; the portfolio is intended to cover a wide range of possible outcomes.