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Zod Speaks
GeneralZod
Posted: 10 August 2017 09:19:14(UTC)
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I've simplified my folder somewhat and would be grateful for thoughts....

Vanguard 250 Life £20k
Vanguard Retirement 2045 £5k
Schroeder Brazil/India/Russia/China £6k
Vanguard Emerging Markets £5k
Baillie Gifford Greater China £3.5k
Schroder Global Health Fund £1.5K (little punt)

The one that I'm a bit dithery on is retaining China. It's gone upwards nicely since I bought-in, but was wondering whether to split it and stick half in the Schroder one and the other half in Emerging markets, thus simplifying things even further.

I did consider using the £1.5k punt money to put it back in gold. But...it's just a choppy ocean out there innit? Goes up and down, up and down - not my cup of tea. Vanguard have, I believe, a precious metals fund but it isn't for sale on Cavendish/Fidelity, so I couldn't buy a slice of that pie.

I'm pleased to see Trump V Kim Jong didn't damage things too much yesterday - I was going to do one of my famous "cash park everything and sit on the sidelines" things that really, really irritates the likes of Lodos etc, but I then decided that I'm pretty certain it won't lead to a major war just yet. After all, in what type of war does one side announce their plans days in advance: "I'm considering bombing an Island you own in a few days. Only considering it, mind. I'll get back to with a firm decision later in the week - it's a tough call right now Mr Trump."

Now...Kneel before Zod.


chubby bunny
Posted: 10 August 2017 10:26:54(UTC)
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Schroders BRIC is 57% China and Vanguard EM Index is 27.65% China. I definitely don't think you need a separate China fund, and maybe not even a BRIC fund.

Here's the discrete performance over the last 5 years of your intended split versus the Vanguard EM Index alone:

Vanguard EM Index 22.6% 23.9% -6.1% 3.7% -0.1%
Zod's Split............... 22.5% 19.5% -5.8% 2.6% -1.7%

Here's a graph of the 8 year performance:

4 users thanked chubby bunny for this post.
Harry Trout on 10/08/2017(UTC), Guest on 10/08/2017(UTC), Tim D on 10/08/2017(UTC), c brown on 10/08/2017(UTC)
GeneralZod
Posted: 10 August 2017 11:37:51(UTC)
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Chubster,

You're right. I've thus simplified further, pulled out of China and placed the dollar 50/50 in Schroder and Emerging. We'll see how that goes. If we chug along well to Christmas, I'll then pop a further £5k into Vanguard Life Strategy.

Thanks for this. Now...Kneel before Zod.

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Guest on 10/08/2017(UTC)
jvl
Posted: 10 August 2017 12:43:20(UTC)
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This "Kneel before Zod" stuff doesn't really work if you've just meekly asked people what you should do with your stock portfolio...
7 users thanked jvl for this post.
gillyann on 10/08/2017(UTC), lynne shaffer on 10/08/2017(UTC), Catch The Pigeon on 10/08/2017(UTC), Mr Helpful on 10/08/2017(UTC), S Dobbo on 10/08/2017(UTC), jeffian on 10/08/2017(UTC), Martina on 10/08/2017(UTC)
Tim D
Posted: 10 August 2017 12:52:08(UTC)
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GeneralZod;49708 wrote:
If we chug along well to Christmas...


Maybe it's nothing, but... look for some excitement in October when the US debt ceiling will need to be addressed. See e.g https://www.nytimes.com/...gress-default-real.html & https://krugman.blogs.ny...e-hit-the-debt-ceiling/ . That's if "fire and fury" geopolitics hasn't burnt everything to a crisp by then anyway.
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gillyann on 10/08/2017(UTC)
King Lodos
Posted: 10 August 2017 15:25:11(UTC)
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Vanguard Lifestrategy 80 90%
Vanguard Emerging Mkts 10%

1x Investing for Dummies ebook

4 users thanked King Lodos for this post.
Jon Snow on 10/08/2017(UTC), Guest on 10/08/2017(UTC), Jay Mi on 10/08/2017(UTC), Guest on 11/08/2017(UTC)
GeneralZod
Posted: 10 August 2017 15:41:09(UTC)
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Why Lodos?
King Lodos
Posted: 10 August 2017 15:47:52(UTC)
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Those knees look awfully upright Zod – bury them deep in the dirt and make thyself small so the King can bless thee with wisdom.
Jay Mi
Posted: 10 August 2017 17:35:27(UTC)
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What's the longest you've left your investments without tinkering?
Why not hold for a year, research more and then decide whether it's worth changing things about.
Not everything thing will go up all the time unfortunalty.
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Tim D on 10/08/2017(UTC), gillyann on 10/08/2017(UTC)
GeneralZod
Posted: 10 August 2017 18:23:35(UTC)
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I love making dollar. I'm a corporate capitalist.
TJL
Posted: 10 August 2017 19:21:38(UTC)
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'The value of your investments may go down as well as up.'
If you cannot stop tinkering when everything is going up, what on earth are you going to do if they start to go down?
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Jay Mi on 10/08/2017(UTC), gillyann on 10/08/2017(UTC), Tim D on 10/08/2017(UTC)
Jay Mi
Posted: 10 August 2017 19:51:57(UTC)
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TJL;49731 wrote:
'The value of your investments may go down as well as up.'
If you cannot stop tinkering when everything is going up, what on earth are you going to do if they start to go down?


Hopefully not panic sell, miss out on dividends, future gains and put money back in after missing the gains. Hopefully not that.

But tinkering so he has the holdings he actually wants or needs early in his investments I can understand, along as it doesn't become a habit of constant tinkering.
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gillyann on 10/08/2017(UTC)
srg751
Posted: 11 August 2017 07:56:26(UTC)
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GeneralZod;49728 wrote:
I love making dollar. I'm a corporate capitalist.



Then put your money into a handful of geographically spread mid cap and tech funds, leave them until you retire, topping up on ten percent dips or more along the way. ...you'll enjoy the dips as it'll allow you to buy more for less.

But you won't will you Zodders, you'll sell on that first 10% dip, and you'll re enter at a higher price somewhere else into another fund with another exotic name. 'Think' about it ??
(The quicker you do, the quicker your dream will come true).

PS.
Considering your time scale, I'd forget about all that 'diversification' bo***cks and look at it this way; Will the business, garage, corner shop, newsagent, house or whatever at the bottom of the road be worth more or less in another 30 years'. Your funds will contain a spread of dynamic companies competing with those at the bottom of your road. Try and think like an 'Investor'.

GL
3 users thanked srg751 for this post.
gillyann on 11/08/2017(UTC), Guest on 11/08/2017(UTC), Martina on 11/08/2017(UTC)
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