Too many funds

[AMST09]

I recently started an ISA with HL, and although I have picked two funds there is an overwhelming amount of them to choose from.

I'm now looking for a couple of more conservative funds rather than putting everything into riskier funds.
I have used the function of the HL website to select conservative funds and it shows 4.
But how would people go about finding the other funds that are considered to be more on the conservative side?
Quite happy to do the research but could do with pointers as to where to start.

For info I invested in
Lindsell train global equity
Old mutual UK small companies

Currently HL recommends
Invesco Perpetual Tactical Bond (Class X)
Newton Real Return (Class U)
Troy Trojan (Class O)
Pyrford Global Total Return

Any info is always helpful

[anonymous-user]

It's tricky, you've only got to look at the fund sizes to see that they are all a lot of people's choice if that makes sense!

[AMST09]

Fair enough good point!

[bitchstewie]

What's your timescale age and intentions?

People aged 65 who are planning on spending their money will probably invest differently to someone aged 22 who has 40 years to go until they retire.

Also what's the situation with money outside the ISA? I'm also new to this and have been persuaded to the view that if you can "simply" keep enough spare cash there's little point looking at preservation type funds until you've accumulated enough to want to preserve it.

Essentially if you have £20k in the ISA but plenty of cash outside of it you may consider going 100% stocks rather than dilute any return with defensive funds.

Or for a less stressful ride just pick the appropriate multi-asset and sit back and watch

[AMST09]

Thanks for the response

Its money we'll be looking to use in 3-5years hence the reason for going a little bit more defensive.
I'm 27 so the rest of the money I'm happy to be in for 20years.

[bitchstewie]

AMST09 said:

Thanks for the response

Its money we'll be looking to use in 3-5years hence the reason for going a little bit more defensive.
I'm 27 so the rest of the money I'm happy to be in for 20years.

I'd say 3-5 years "officially" isn't long enough to be confident you'll come out with more than you go in with.

Trojan, Ruffer, PAT, CGT seem to be the usual suspects.

NS&I are offering 1.95% fixed for 3 years and that's 100% safe.