For those that invest.... For those that invest....
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    Default For those that invest....

    In a SIPP how many shares do you down? I think I might have gone too far in diversification with 14 different shares, with my eye on another 6, mainly all blue chips with a good history of dividends as i am looking for long term income return rather than growth in value, but i have a couple which are punts
    “Live a good life. If there are gods and they are just, then they will not care how devout you have been, but will welcome you based on the virtues you have lived by. If there are gods, but unjust, then you should not want to worship them. If there are no gods, then you will be gone, but will have lived a noble life that will live on in the memories of your loved ones.”

    ― Marcus Aurelius

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    Quote Originally Posted by SimonMac View Post
    In a SIPP how many shares do you down? I think I might have gone too far in diversification with 14 different shares, with my eye on another 6, mainly all blue chips with a good history of dividends as i am looking for long term income return rather than growth in value, but i have a couple which are punts
    I go for funds instead. Four low cost trackers of the major indices. One Europe (ex. UK), one UK only, one far-East and one US.

    That just about covers everything.
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    Yes get a low cost tracker, and sleep at night.
    Such as:

    VANGUARD FUNDS PLC VANGUARD FTS ETF- Yahoo! UK & Ireland Finance

    It is a whole-world stock market tracker, with total fees of 0.3% per year. Job done.

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    Half the fun is researching the shares, looking at the long term, what's the point of having a SIPP if you are just going to let someone else invest for you?
    “Live a good life. If there are gods and they are just, then they will not care how devout you have been, but will welcome you based on the virtues you have lived by. If there are gods, but unjust, then you should not want to worship them. If there are no gods, then you will be gone, but will have lived a noble life that will live on in the memories of your loved ones.”

    ― Marcus Aurelius

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    Quote Originally Posted by SimonMac View Post
    Half the fun is researching the shares, looking at the long term, what's the point of having a SIPP if you are just going to let someone else invest for you?
    Because the trackers have a track record (no pun intended) of consistently out performing managed funds year on year. If you want to play the market thats fine, but if you are looking for a serious long term investment trackers are the best option. You might do better on your own, you probably won't.
    "Being nice costs nothing and sometimes gets you extra bacon" - Pondlife.

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    Quote Originally Posted by SimonMac View Post
    Half the fun is researching the shares, looking at the long term, what's the point of having a SIPP if you are just going to let someone else invest for you?
    Because, in mature markets, even the very best Fund Managers in the world can't beat trackers. From Moneywise:

    Experts largely agree that passive funds work best in the large developed markets, as it is difficult for active managers to add value. "The best examples are large UK and US equities," says Patrick Connolly, spokesperson for AWD Chase de Vere.
    "Here, information is so freely available that it is very difficult for active managers to spot and exploit genuine investment opportunities."


    Davies adds: "There are so many final and interim results and trading statements that there's a level playing field among investors.
    If Tesco takes some analysts around its stores and gives them a briefing, they will still press release it straight after so everyone has that information and no one has an advantage."

    ...as Peter Robertson, head of retail at Vanguard, points out: "Consistent long-term outperformance with an active fund is rare."

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    I have 9 active investments and one dead duck - a legacy (and memory) of the dot com boom - but am looking for more diversification... if I show you mine will you show me yours?
    How fortunate for governments that the people they administer don't think

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    Quote Originally Posted by Troll View Post
    I have 9 active investments and one dead duck - a legacy (and memory) of the dot com boom - but am looking for more diversification... if I show you mine will you show me yours?
    https://dl.dropboxusercontent.com/u/...o_Analysis.pdf

    Still too heavily exposed to the finance sector, but I just can't see Lloyds not returning to at least £2 a share within the next 5-10 years which considering I bought them for a average of 30p a share, sold a fair number of Lloyds and Aviva in the past to aid my diversification, but am now looking to add First Group, BP, ARM, Next, Persimmon and British Land to finally cover myself and then just slowly bring up the minor share holdings with my regular monthly income to dilute the Lloyds without having to sell any
    “Live a good life. If there are gods and they are just, then they will not care how devout you have been, but will welcome you based on the virtues you have lived by. If there are gods, but unjust, then you should not want to worship them. If there are no gods, then you will be gone, but will have lived a noble life that will live on in the memories of your loved ones.”

    ― Marcus Aurelius

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    BAE
    BG
    BP
    GKN
    LGEN
    NG
    RDSA
    RR
    SL

    Been hammered on the BG shares this year - but still think OK long term
    GSK has had a good run up - not sure there is further to go
    BAT seems to be in everyone's portfolio shame I didn't add earlier
    Dodged a bullet as was going to pile into RBS a few years ago as a banking stock - but I am looking into banking to widen the portfolio
    Last edited by Troll; 28th April 2013 at 19:24.
    How fortunate for governments that the people they administer don't think

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    Quote Originally Posted by Troll View Post
    BAE
    BG
    BP
    GKN
    LGEN
    NG
    RDSA
    RR
    SL

    Been hammered on the BG shares this year - but still think OK long term
    GSK has had a good run up - not sure there is further to go
    BAT seems to be in everyone's portfolio shame I didn't add earlier
    Dodged a bullet as was going to pile into RBS a few years ago as a banking stock - but I am looking into banking to widen the portfolio

    (I've actually worked at Lloyds, BB, Aviva & Vodafone - which may explain why not in the portfolio )
    SL has been fantastic this year and BP has been strong as well. Pity I sold before the rise.
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