I think that’s a good selection, i.e. cash (KBC deposit) – it won’t make you rich but it will cut out down on portfolio volatility and pays interest; foreign developed market equities (Standard Life managed funds); domestic, i.e. euro equities (MSCI Europe Index); and foreign income and cap gains (i.e. dividend paying FTSE100 company) - although with an FTSE100 company you are to some extent duplicating an asset you probably have in your SL managed fund .I like to mix investments, so now I am thinking of:
1. Deposit with KBC at 2.45%;
2. Standard Life managed funds, mixed assets (approx 1.25% charges);
3. Tracking fund - Rabo/Blackrock (MSCI Europe Index).
4. Shares in a company on FTSE 100, pharmaceuticals, good divident.
Do these make sense? I would appreciate comments, before I finally decide myself what to do.
Jim2007,
thank you for your reply, it makes sense.
I agree that the fund I was asking about does not exist, as I have since learned. However asking questions here clarifies my thinking.
Basically from years back I have investments, which I will leave alone for the most part, but with low interest and high Dirt I want to leave less money on deposit.
I like to mix investments, so now I am thinking of:
1. Deposit with KBC at 2.45%;
2. Standard Life managed funds, mixed assets (approx 1.25% charges);
3. Tracking fund - Rabo/Blackrock (MSCI Europe Index).
4. Shares in a company on FTSE 100, pharmaceuticals, good divident.
Do these make sense? I would appreciate comments, before I finally decide myself what to do.
In the SL funds MyFolio II and III funds are mixed, with equities comprising 25% and 41% (resp.). I can change the balance to have more of MyFolio II, which is more cautious. These SL funds have a TER of 0.05% and includes Cash, bonds, equities, property and absolute return strategies.