Confused can anyone glance an eye...

[Septembersunrays]

So I have sipp and s&s isa.

In my isa I have lindsell train /fundsmith and I'm looking at sp 500 vanguard and 80% vanguard life strategy.

1. what other fund /investment could I look at to compliment those

2. do I replicate this is my sipp, or find totally diff fund or, some same some different. Eg I'd like perhaps 100% vanguard life strategy in pension..

What are your primary objectives here? Are you looking for income or capital growth? What timescales are you looking at? What levels of risk are you willing to take to achieve your objectives, and how much can you realistically afford to lose? Why do you think that you need to add more funds to your portfolio? Lots of questions but you haven't given much info and everybody is different.

Sunseed long term growth. I'm early 40 so want long term growth in pension.

take a look at royal mint bullion signature range, platinum is a really good buy at the moment, as is silver gold will be in the long term. I understand that it is recommended to have a percentage of your portfolio invested in metals. Ive been investing in it for a year and am already up about 33%.

Bla thank you. I did something research into gold a while ago and at the moment I don't feel its for me.

Its not for everyone, I have been following the markets though and it is clear that there is a recession coming, which will devalue the stock markets and there is also likely to be another financial crisis like the last one, possibly much worse for various reasons that I don't understand in enough depth to explain to you. My personal approach is to invest in metals (mainly sterling bullion as there is no tax to pay when you sell it on) then when the crash comes sell it on and put the money into stocks. seeking alpha is good site for information as its crowd sourced. good luck with your investments

Blab I read similar im not confident enough for precious metals yet am just sticking to broader vanguard funds

Gold has a very mixed record as a long term investment:

www.investopedia.com/ask/answers/020915/has-gold-been-good-investment-over-long-term.asp

September I think your mix of an S&P 500 index fund and the Vanguard Life Strategy 80% fund is an excellent choice for a time horizon of more than 20 years. The S&P 500 fund will give you more exposure to US growth stocks (like the big tech firms) than the Lifestyle Fund, so that's a good mix.

Thanks miss.

Do you think I should add bond into the mix a bond eft?

Do you think I should add bond into the mix a bond eft?

Diversification is always a good idea. The Vanguard LS 80% fund will be 20% in bonds, the S&P 500 ETF or fund will be 100% stocks. With a 20+ year time horizon you should be somewhere around a 70/30 or 75/25 stock/bond mix.

Are you going to do regular additions to the account or will this be mostly a lump sum investment? One advantage of funds vs ETF's is that you can setup a recurring funds transfer to a mutual fund. An ETF has to be purchased on an exchange, which is a bit more bother.

@blablablabla123

You appear to know more about the market than the market does itself.

There is no such thing as an amount of precious metals you should hold in a portfolio.

You could be up 33% in elephant dung for all I care.

There is always a recession coming sometime. The critical thing is when.

These are some of the dangers of asking for financial advice on free bulletin boards and why you should not do it.

I wish as I would be a millionaire. If I believed everything I read on the net I would be down by a lot of money. Like any advice or information the sensible people take onboard what works for them and discard what doesn't. Given none of know the future, you can not know that I am wrong for another couple of years. Come back then and slate me if you wish.

Given none of know the future, you can not know that I am wrong for another couple of years. Come back then and slate me if you wish.

The problem with market timing is that it requires two correct predictions, when to get out and when to get back in. The chance of guessing correctly once is 50%. The change of guessing correctly twice drops to 25%.

If your strategy requires two correct predictions you are playing a very high risk game with your assets. A much safer long term strategy is to have some portion of your assets invested in stocks and simply ride out the gyrations.

I know people who were so unnerved by the financial crisis in 2008 that they sold all of their stocks at the bottom. That locked in their losses and the missed the run up over the next 10 years. They guessed wrong twice.

The only market timing I indulge in is a limited amount of buying on the dips. When the market fell 18% last December I added modest amounts to my existing positions in Apple and Amazon because for me, those are long term investments. I'm not getting out for 10-20 years.

Thanks dark, it's advice I'm well aware no one here has financial credentials or at least nothing that I can check.

If I have vanagued life stragety in sipp is it worth getting the vanguard trackers as well?

If I have vanagued life stragety in sipp is it worth getting the vanguard trackers as well?

You could just stay in the LS funds. My only quibble with them is that they are invested very broadly globally:

www.vanguardinvestor.co.uk/investments/vanguard-lifestrategy-80-equity-fund-accumulation-shares/portfolio-data

And it's my personal view that US stocks will in the long run tend to outperform other markets. So you could add a bit of an S&P 500 tracker to overweight US markets and spice up the stew a bit. The LS funds are perfectly fine investments as is.

Thank you so much miss conduct after lengthy blog listening, research, pouring over morning star etc I reached conclusion to gamble with fund managers but only because I like the companies they are invested in eg Unilever.

However I want main bulk to be in passive low cost funds. But then... What combination of what!
And.. Do mirror or diversify in my sipp!

Thanks so much for your in put. It gives good pointers for my next layer of research... Nearly there! I've been sat on this for a year..

You're most welcome September, I'm glad I could contribute to your process.

There is certainly a place for some active management in a portfolio. I have my "mad money" in the Ark Innovation ETF:

ark-funds.com/arkk

which invests in companies they consider disruptive innovators in areas like robotics, genetic engineering, advanced manufacturing, etc. I limit my mad money to no more than 5% of my assets, but it's a pick with a lot of upside potential.

Consumer product companies like Unilever will be low volatility and can be good defensive investments.

If you've been at this for a year, can I suggest taking some of your assets and put them in the passive investments now? You've missed a fair bit of return in the last year if the money has been on the sidelines.

I'm literally doing it right now 😁 as in past few days

I've been so worried etc about making a mistake.
Yes I have about 5 % little more in my 'gamble funds' I call them that even though I'm happy with the strategy and companies.

I've already brought some sp 500.

I'm quickly drip feeding in my cash isa.. And then I intend to pay in as much as I can every month. Probably not much by mn standard but something.

That's great news September, and just add what you can each month. You have a very long time for the magic of compounding investment returns to work for you and you may be able to increase your monthly in the future if your income goes up.

Best of luck to you and feel free to let me know if there's anything further I can do to help.

Remember when Woodford was the flavour of the day? Could fundsmith be another golden boy who falls over? Should you buy into something when it is at an all time high?