- May 10, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Current Investment Situation
I currently have two Individual Savings Accounts (ISAs): one is a cash ISA with Moneybox and the other is a stocks and shares ISA with AJ Bell. I have been researching different investments and I am considering putting 50% of my funds into the Vanguard S&P 500 UCITS ETF GBP and HSBC FTSE All-World Index funds. However, I am unsure about where to allocate the remaining 50% of my funds.
## Consideration of Additional Investments
Currently, I have £4000 in the AJ Bell LISA and am waiting for the bonus. I am contemplating whether it makes sense to invest most of my funds in the aforementioned investments as they have shown good annual returns. Alternatively, I am considering diversifying my portfolio by investing in an oil and gas fund and potentially allocating some funds to the iShares MSCI India, which appears to be performing well.
## Fees and Risk
It is important to note that AJ Bell charges £1.50 for buying investments. As a newcomer to investing, I am cautious about not making any financial missteps. While the money is not a critical aspect for me as I am still a student, I am keen on ensuring that I do not incur significant losses.
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Many would just say find the cheapest all world index and leave it there. Going 25% all world and 25% s&p will leave you with almost 40% US exposure, nothing wrong with that but just be aware.
Easiest way is to just go all world, unless you have knowledge the rest of the market doesn’t about certain sectors.
You should think a bit more carefully about why you are considering those funds.
The HSBC All-World is a good start: it embodies the (very sensible) decision that you don’t know any more about future performance than the rest of the market, so it’s best to just buy everything and see what happens.
But then by adding the S&P, or India, or oil and gas, you’re saying “actually, i think I _do_ know better after all”. So consider whether that actually is the case.
Also consider what you’re investing for, and when you might want to withdraw. As it’s a LISA, presumably you hope to use it to buy a home some day. If you’re lucky enough to get into a good grad scheme, you might be able to afford that sooner than you think, so possibly 100% in equities would be a little too risky. And you say you wouldn’t want to lose all your money – but think about what level of (hopefully short-term) losses you would be comfortable with – 10%? 20? 50?
When investing, it’s important to consider these decisions before you commit any money, because once you do choose the strategy you will follow, it’s important to stick with it. You need to be confident you’re not going to panic sell everything the first time the markets wobble, or that you aren’t going to start chasing whatever the hot new “stock of the week” is to try and boost your returns.
Hi /u/Outrageous-Ad-4992, based on your post the following pages from our wiki may be relevant:
* https://ukpersonal.finance/index-funds/
* https://ukpersonal.finance/investing-101/
* https://ukpersonal.finance/lisa/
* https://ukpersonal.finance/savings/
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^(These suggestions are based on keywords, if they missed the mark please report this comment.)