What funds?

[98elise]

I'm reorganising my SIPP and ISA funds.

Until now 90% were in:

Fundsmith
Lindsel Train Global
Rathbone Global
Vanguard LS 100

I was in Baillie Gifford Global for a while but they immediately had a serious drop, so I sold out as soon as they recovered.

Lindsel Train have been performing badly recently so I've all but sold them off, and I've sold a portion of my other funds to give me a cash sum to reinvest.

I now want to find two more funds to invest in, so what are your main holdings?

[Burwood]

98elise said:

I'm reorganising my SIPP and ISA funds.

Until now 90% were in:

Fundsmith
Lindsel Train Global
Rathbone Global
Vanguard LS 100

I was in Baillie Gifford Global for a while but they immediately had a serious drop, so I sold out as soon as they recovered.

Lindsel Train have been performing badly recently so I've all but sold them off, and I've sold a portion of my other funds to give me a cash sum to reinvest.

I now want to find two more funds to invest in, so what are your main holdings?

Looking at Lindsell, it's almost 50% weighted to Defensive stocks which are stable by nature. My personal view is that you buy a fund because you like what they hold. I understand is equipped to do that but you can . Look at the companies that are driving the economy. Where is Apple, MSFT. GOOG. There is no tech in this fund. 15% cumulative for 5 years is piss poor if this is the fund in question
https://markets.ft.com/data/funds/tearsheet/perfor...

Unsure if you'v looked at any of the IM funds-new tech fund being formulated I believe.

[dingg]

I'm with IM too
In decreasing order of weighting
phe
Ogg
Index 100
Optimum Cautious
Phr
Optimum sustainable


Waiting for the tech fund for some shuffling to be done from cautious and phr to pho and ptech.

Happy customer so far (keep up the good work IM, I'm watching)

[98elise]

Burwood said:

98elise said:

I'm reorganising my SIPP and ISA funds.

Until now 90% were in:

Fundsmith
Lindsel Train Global
Rathbone Global
Vanguard LS 100

I was in Baillie Gifford Global for a while but they immediately had a serious drop, so I sold out as soon as they recovered.

Lindsel Train have been performing badly recently so I've all but sold them off, and I've sold a portion of my other funds to give me a cash sum to reinvest.

I now want to find two more funds to invest in, so what are your main holdings?

Looking at Lindsell, it's almost 50% weighted to Defensive stocks which are stable by nature. My personal view is that you buy a fund because you like what they hold. I understand is equipped to do that but you can . Look at the companies that are driving the economy. Where is Apple, MSFT. GOOG. There is no tech in this fund. 15% cumulative for 5 years is piss poor if this is the fund in question
https://markets.ft.com/data/funds/tearsheet/perfor...

Unsure if you'v looked at any of the IM funds-new tech fund being formulated I believe.

Lindsel Train is about 90% over 5 years so not sure what's going on with their data. I've owned them a long time on and off, and their previous performance was great. It's only been poor recently.

[Burwood]

I can see that the link and 14..% return is not cumulative, it's compounded annual. 90% cumulative so it's correct. I would say it's a reasonable return and more importantly, yes it's poor over the shorter periods. Too much defensive is my call. That stuff does nothing, that's the idea. It's not for me.

[bitchstewie]

What's your goal?

Baillie Gifford funds tend to be volatile which is either good for returns or bad for your blood pressure but they also do some more sedate funds like Scottish American/Global Growth & Income.

JP Morgan Global Growth or FCIT might be worth a look or if you invest in Fundsmith perhaps Smithson to get some SMID exposure.

Without a little more info there's literally loads so it feels a bit like just throwing out random fund names

[okgo]

Burwood said:

Looking at Lindsell, it's almost 50% weighted to Defensive stocks which are stable by nature. My personal view is that you buy a fund because you like what they hold. I understand is equipped to do that but you can . Look at the companies that are driving the economy. Where is Apple, MSFT. GOOG. There is no tech in this fund. 15% cumulative for 5 years is piss poor if this is the fund in question
https://markets.ft.com/data/funds/tearsheet/perfor...

Unsure if you'v looked at any of the IM funds-new tech fund being formulated I believe.

Fundsmith looking increasingly like a tech fund these days tbf!

I have Legal and General Global Tech index, 85% in about two years, has all the big names - 253% over 5y - 681% 8y according to the little widget in the app.

Edited by okgo on Thursday 9th December 16:49

[Burwood]

okgo said:

Burwood said:

Looking at Lindsell, it's almost 50% weighted to Defensive stocks which are stable by nature. My personal view is that you buy a fund because you like what they hold. I understand is equipped to do that but you can . Look at the companies that are driving the economy. Where is Apple, MSFT. GOOG. There is no tech in this fund. 15% cumulative for 5 years is piss poor if this is the fund in question
https://markets.ft.com/data/funds/tearsheet/perfor...

Unsure if you'v looked at any of the IM funds-new tech fund being formulated I believe.

Fundsmith looking increasingly like a tech fund these days tbf!

I have Legal and General Global Tech index, 85% in about two years, has all the big names - 253% over 5y - 681% 8y according to the little widget in the app.

Edited by okgo on Thursday 9th December 16:49

Stellar performance. Nothing crazy in there really. Obvious to some apples been doing it for 20 years-people still doubt it. Go figure

[dingg]

Burwood said:

Stellar performance. Nothing crazy in there really. Obvious to some apples been doing it for 20 years-people still doubt it. Go figure

I read this response and before looking at the poster name said to myself 'I bet that's Burwood'

In a few years time I suspect the subject will be nvda :-)

[GliderRider]

okgo said:

I have Legal and General Global Tech index...

Edited by okgo on Thursday 9th December 16:49

Exactly what I was going to say. It lets me have a foothold in shares such as Microsoft, Apple, Alphabet, Meta Platforms (Facebook) & Nvidia, that I would be too concerned about sudden changes to own outright.

Stewart Investors Asia Pacific & Japan Sustainability Inclusive Class A - Accumulation (what a mouthful!) also seem to have done well.

Any comparison of funds at the moment is going to be skewed by the impact that Coronavirus has had on the funds major constituents.

I wrote a piece on comparing up to ten funds,unit trusts and shares using Hargreaves Lansdown, a couple of years ago. Pistonheads won't let me cut and paste it in, so here's a link (second from bottom on the page): HL Fund comparison

Edited by GliderRider on Friday 10th December 00:06

Edited by GliderRider on Friday 10th December 10:27

[bmwmike]

I've done alright with AXA Framlington Global Technology Fund Z GBP Acc

Can't work out how to get a 5 year total return on it though. I am split 80% in technology in this one and another tech fund (scottish equity iirc) and the remaining 20% in general trackers. Bit skewed toward tech but then what isn't.

[mike74]

okgo said:

Fundsmith looking increasingly like a tech fund these days tbf!

Edited by okgo on Thursday 9th December 16:49

Are you saying that's a bad thing?

(Genuine question, not looking to argue or disagree!)

[98elise]

Burwood said:

okgo said:

Burwood said:

Looking at Lindsell, it's almost 50% weighted to Defensive stocks which are stable by nature. My personal view is that you buy a fund because you like what they hold. I understand is equipped to do that but you can . Look at the companies that are driving the economy. Where is Apple, MSFT. GOOG. There is no tech in this fund. 15% cumulative for 5 years is piss poor if this is the fund in question
https://markets.ft.com/data/funds/tearsheet/perfor...

Unsure if you'v looked at any of the IM funds-new tech fund being formulated I believe.

Fundsmith looking increasingly like a tech fund these days tbf!

I have Legal and General Global Tech index, 85% in about two years, has all the big names - 253% over 5y - 681% 8y according to the little widget in the app.

Edited by okgo on Thursday 9th December 16:49

Stellar performance. Nothing crazy in there really. Obvious to some apples been doing it for 20 years-people still doubt it. Go figure

Agreed. They are a large part of why I've retired early

[98elise]

GliderRider said:

okgo said:

I have Legal and General Global Tech index...

Edited by okgo on Thursday 9th December 16:49

Exactly what I was going to say. It lets me have a foothold in shares such as Microsoft, Apple, Alphabet, Meta Platforms (Facebook) & Nvidia, that I would be too concerned about sudden changes to own outright.

Stewart Investors Asia Pacific & Japan Sustainability Inclusive Class A - Accumulation (what a mouthful!) also seem to have done well.

Any comparison of funds at the moment is going to be skewed by the impact that Coronavirus has had on the funds major constituents.

I wrote a piece on comparing up to ten funds,unit trusts and shares using Hargreaves Lansdown, a couple of years ago. Pistonheads won't let me cut and past it in, so here's a link (second from bottom on the page): HL Fund comparison

Edited by GliderRider on Friday 10th December 00:06

I'll take a look at L&G as that's a couple of votes.

[98elise]

bhstewie said:

What's your goal?

Baillie Gifford funds tend to be volatile which is either good for returns or bad for your blood pressure but they also do some more sedate funds like Scottish American/Global Growth & Income.

JP Morgan Global Growth or FCIT might be worth a look or if you invest in Fundsmith perhaps Smithson to get some SMID exposure.

Without a little more info there's literally loads so it feels a bit like just throwing out random fund names

My goal is to keep growing the pots in the short term so open to a bit of risk for the next few years. I'll then move to less volatile investments

[98elise]

bmwmike said:

I've done alright with AXA Framlington Global Technology Fund Z GBP Acc

Can't work out how to get a 5 year total return on it though. I am split 80% in technology in this one and another tech fund (scottish equity iirc) and the remaining 20% in general trackers. Bit skewed toward tech but then what isn't.

Happy to be in tech funds, it's one thing that's not going away any time soon.

[xeny]

bmwmike said:

I've done alright with AXA Framlington Global Technology Fund Z GBP Acc

Can't work out how to get a 5 year total return on it though. I am split 80% in technology in this one and another tech fund (scottish equity iirc) and the remaining 20% in general trackers. Bit skewed toward tech but then what isn't.

https://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/a/axa-framlington-global-technology-class-z-accumulation/charts ?

249.22%

[bmwmike]

xeny said:

bmwmike said:

I've done alright with AXA Framlington Global Technology Fund Z GBP Acc

Can't work out how to get a 5 year total return on it though. I am split 80% in technology in this one and another tech fund (scottish equity iirc) and the remaining 20% in general trackers. Bit skewed toward tech but then what isn't.

https://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/a/axa-framlington-global-technology-class-z-accumulation/charts ?

249.22%

Thank you.

interesting and expected, that most a chunk of that growth is pandemic driven..

[bitchstewie]

98elise said:

My goal is to keep growing the pots in the short term so open to a bit of risk for the next few years. I'll then move to less volatile investments

I'd be thinking about volatility now too.

You mention selling the BG funds once they'd recovered but then you said you'll consider a tech fund - they can be massively volatile too.

Vanguard FTSE Global All Cap or Fidelity World Index or L&G Global 100 might be worth a look for global exposure but the latter has around 40% tech/FAANG in the top 10.

[av185]

98elise said:

bmwmike said:

I've done alright with AXA Framlington Global Technology Fund Z GBP Acc

Can't work out how to get a 5 year total return on it though. I am split 80% in technology in this one and another tech fund (scottish equity iirc) and the remaining 20% in general trackers. Bit skewed toward tech but then what isn't.

Happy to be in tech funds, it's one thing that's not going away any time soon.

Had Axa Framlington Global Tech for some time its done quite well but is rather volatile.

Re Tech best performer is Scottish Mortgage Investment Trust (BG) at 361% last 5 years.

Lower cost techy funds you might want to look at always served me well include Rathbone Global (.51) 150% 5years, HSBC American (.06) 117% 5 years, HSBC All world (.13) 85% 5 years, Vanguard Developed World ex UK (.14) 93% 5 years.

Be interesting which funds others advise giving good exposure to tech but also with minimal volatility especially at the moment...always a big ask!

Edited by av185 on Friday 10th December 10:31