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Thanks very much for your detailed reply. I am lucky enough (but don't own it) to look at an AIM portfolio regularly and it appears to be doing very well overall.
However, this is not a cheap game to be in as it is a managed portfolio - BTL is a much cheaper game to get in to and has its monthly returns.
It's something I've looked into a lot but it's not for me at the moment.
What about the All-Share? 250? sp500? MSCI World?
With so many global stock exchanges within 5-10% of all time highs, 10 years into a bull-run, it stands to reason that expectations for the following 10 years should be more tempered. That's just the way the market works. I would be absolutely shocked if we did not suffer a severe market sell off in the next 5-7 years, but this assumption is predicated on the starting point. Because interest rates are still near rock-bottom levels, investors have been willing to pay more than they normally would for both dividend stocks (because they can't get returns elsewhere) and growth stocks (because there is a scarcity of them).
Global markets have already seen a proper wobble this year on a few concerns, being rising interest rates in the U.S. specifically, slowing corporate earnings and trade tensions between the U.S. and China. In fact, by some measures, this has been one of the worst years on record for investors. Though the sell off has not been too severe in stocks, NO asset classes have made money for investors, this is exceptionally rare.
I do have an investment portfolio, alongside my property portfolio. It is comprised of Fundsmith Equity Fund and a dozen high quality, best-of-breed world classes companies that are global leaders in their respective fields, each of which has above normal earnings growth. If the $hit really hits the fan, am i comfortable that unless I really needed the money urgently, would I be comfortable that after an initial sell-off, each of these businesses would be worth more to investors (me) down the line? i.e. Would I be satisfied being "stuck" with them if things go really badly?
It is my view that this is the sort of company that one should be looking to own in this environment, or at the very least, find a portfolio manager with a similar philosophy and invest in his/her funds.
Im also in fundsmith - not quite sure about his facebook holding at 5% of the fund but agree with the remainder.
Would also suggest as well as your appetite to risk it depends how long you wish to have the cash held up. personally i dont invest into equities with cash i can see myself needing within the next 5 years. Scares me that friends have large investment isas but only hold 2 months of expenses in cash.
Will be interesting to see what happens with QE ending. My personal view is a lot of people are leveraged on their investments, a lot more than in 2007 so if a crash comes it could be very nasty with margin calls causing forced selling. Other way to look at it would be bargains to be had - although that goes back to the handing on for at least 5 years rule.
Interesting link about yields from shares
5% plus without any hassle
what do others think
Learn Change and Adapt ?????
All comments are for casual information purposes only. If you wish to rely on any advice I have given please ensure you obtain independent specialist advice from a third party. No liability is accepted for comments made.