seen from United Kingdom
seen from Moldova
seen from China
seen from Poland
seen from United States
seen from Germany
seen from China
seen from United States
seen from Singapore
seen from China
seen from South Africa
seen from United States
seen from Maldives
seen from Italy
seen from Germany
seen from United States
seen from Algeria
seen from United States
seen from Malaysia
seen from United States
So this is my current investment breakdown. My S&S Isa has a rough 60:40 equity:bond spilt, but overall I'm running more at about 85:15. So this needs sorting out to be a bit less equity heavy. Also I'd like my Employer Pension 1 to run at 60:40 too, even if I can't get the overall to 60:40.
Disclaimer
This is the current pigs-ear of my current employer pension. As you note, over 90% of it is in equities. This goes against two pieces of received wisdom, which I paraphrase below:
You should hold your age in bonds, and the rest as equities or other. ~ Tim Hale
You should never hold less than 25%, or more than 75% of your funds in equities, with the inverse held in bonds. ~ Benjamin Graham
So I need to do some re-balancing. I’ll do part of this with new money, allocating it to Bonds and Diversified Assets (which holds 50% bonds, the rest in equity or other). I’ll also sell some of the over-performing equities and/or with the highest unit prices, and buy more Diversified Assets, as at the time of writing it has the lowest unit price. Possibly a bit more Property too.
Being that I’m quite bullish on equities, I’ll probably split the difference on the advice and maybe go for a 70% equity, 30% bond and other split.
Disclaimer
Stocks & Shares Isa Breakdown
I went for the HSBC FTSE all Share Index Acc, as it has a low TER (total expense ratio) of 0.07%. The Vanguard FTSE Dev World ex UK Eq Ind Ac has a TER of 0.15%, as does the Vanguard UK InfltnLnkd Gl Indx Gross Acc.
They are all accumulation funds, meaning the dividends are reinvested automatically back into the same fund. And they are all passive index trackers.
I went with a rough split of 75% equity and 25% bonds. I am quite bullish on equities, I'll admit. This is something I need to address.
Disclaimer
The Escape Artist’s FI-o-MeterTM spreadsheet is a simple model that allows you to plug in your own age, income, savings and investment assumptions and then spits out how long it will be until you a...
Disclaimer
