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Different Pots for Different Goals
Hi Guys, I am having a think about my goals for my ISA. I have different goals in mind that I would apply different levels of risk to and therefore invest in different funds. For example, I would like a University Fees fund for my kids which I would be more conservative with but I also want a rainy day fund that I am happy taking more risk with. Is there anyway you can build this in to the system so you can have separate pots with different investments/risk levels under the same ISA? Thanks, James ...
1 month ago
jimbo jrt
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Active Portfolio - Lower Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio delivered a very small positive return of 0.11% over the second quarter and outperformed its composite benchmark, which produced a small negative return. From an overall asset allocation perspective, the combination of a small underweight position in fixed income assets and a small overweighting of equities was a major positive given their relative performance. However, the preference for international equities over UK equities was a negative this quarter. Further asset allocation...
2 months ago
RaynerSpencerMills
26 reputation
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Active Portfolio - Medium Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio produced a good positive return of 1.72% over the second quarter and outperformed its composite benchmark by a decent margin. From an overall asset allocation perspective, the combination of a small underweighting in fixed income assets and a small overweighting in equities was a major positive given their relative performances. By contrast, the preference for international equities over UK equities was negative this quarter. Further asset allocation comments are contained within...
2 months ago
RaynerSpencerMills
26 reputation
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Active Portfolio - Higher Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio produced a good positive return of 2.39% over the second quarter and outperformed its composite benchmark by a decent margin. From an overall asset allocation perspective, the combination of a small underweight position in fixed-income assets and an underweighting of property with an overweighting of equities was the main positive based on their relative performance. The preference for international equities over UK equities was negative but regional positioning was positive....
2 months ago
RaynerSpencerMills
26 reputation
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Active Portfolio - Significant Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio produced a good positive return of 2.90% over the second quarter and outperformed its composite benchmark by a decent margin. From an overall asset allocation perspective, the preference for international equities over UK equities was negative but regional positioning was positive. Further asset allocation comments are contained within the individual asset class sections below, as are comments on some of the key negative and positive fund contributors. The second quarter of 2017...
2 months ago
RaynerSpencerMills
26 reputation
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Hybrid Portfolio - Lower Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio produced a very small positive return of 0.01% over the second quarter and outperformed its composite benchmark, which produced a small negative return. From an overall asset allocation perspective, the small underweighting in equities was negative but the preference for absolute return over fixed-income assets was generally positive given their relative performances. The preference for international equities over UK equities was a negative this quarter. Further asset allocation...
2 months ago
RaynerSpencerMills
26 reputation
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Hybrid Portfolio - Medium Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio produced a positive return of 0.64% over the second quarter and marginally outperformed its composite benchmark. From an overall asset allocation perspective, the combination of an underweight position in fixed-income assets and an overweighting in equities was a positive given their relative performance. The preference for international equities over UK equities was negative this quarter. Further asset allocation comments are contained within the individual asset class sections...
2 months ago
RaynerSpencerMills
26 reputation
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Hybrid Portfolio - Higher Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio produced a reasonable positive return of 1.23% over the second quarter and marginally outperformed its composite benchmark. From an overall asset allocation perspective, the combination of an underweight position in property with an overweighting of equities was the main positive given their relative performance. The preference for international equities over UK equities was negative but regional positioning was positive. Further asset allocation comments are contained within the...
2 months ago
RaynerSpencerMills
26 reputation
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Hybrid Portfolio - Significant Risk - July 2017
Quarterly portfolio update for the period 01 April 2017 until 30 June 2017 Overview The portfolio produced a reasonable positive return of 1.61% over the second quarter but very marginally underperformed its composite benchmark. From an overall asset allocation perspective, the preference for international equities over UK equities was negative but regional positioning was positive. Further asset allocation comments are contained within the individual asset class sections below, as are comments on some of the key negative and positive fund contributors. The second quarter of...
2 months ago
RaynerSpencerMills
26 reputation
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Rated fund under review - BlackRock UK Income - July 2017
Mark Wharrier, one of the three co-managers of the fund has left BlackRock and will be joining Troy Asset Management as part of their UK Equity Income team in October 2017. Adam Avigdori and David Goldman (the other two co-managers) will continue to manage the fund and BlackRock are not seeking to appoint a further co-manager. BlackRock have a fifteen strong UK equity team and all their fund managers have dual roles as equity analysts focusing on specific sectors which means their approach is very collaborative and team based. Whilst we recognise this, the fund’s performance...
3 months ago
RaynerSpencerMills
26 reputation
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Rated fund under review - Kames UK Equity Absolute Return - June 2017
UNDER REVIEW: This fund has been placed Under Review due to a failure to meet our performance objectives and a recent change in fund manager. Kames UK Equity Absolute Return (c) Rayner Spencer Mills We present all our findings in good faith and we will not be liable for any losses arising or purportedly arising as a result of acting on this information. Our information does not constitute advice or recommendation. ...
3 months ago
RaynerSpencerMills
26 reputation
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Rated fund - Pictet Global Environmental Opportunities - June 2017
Pictet are long established in delivering thematic investment solutions for their clients. The Global Environmental Opportunities fund enables investors to gain exposure to a concentrated active portfolio managed by an experienced and well-resourced thematic equites team. At launch in 2010 the fund was branded Environmental Megatrend Selection and provided access to the four existing environmental themed funds that Pictet manage (Water, Clean Energy, Timber and Agriculture) with rebalancig to set weights in each strategy occurring monthly. Due to investor demand, the fund was...
3 months ago
RaynerSpencerMills
26 reputation
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Rated fund - Schroder European - June 2017
The focus of this fund is on cheap and de-rated companies where Schroder believe there is a reason for the market to reappraise the situation and re-rate the stock positively. This is never black and white the manager is the arbitrator of what goes into the portfolio. Stocks included have all been through a rigorous debate with the analyst team. The fund’s contrarian style, combined with a focus on identifying future inflection points, means the style bias of the portfolio is constantly changing. To date this has enabled the fund to deliver performance in both growth and value ...
3 months ago
RaynerSpencerMills
26 reputation
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Rated fund - Jupiter Global Emerging Markets - June 2017
The approach taken is a fundamental stock picking, where benchmarks do not drive portfolio construction. The emerging market indices tend to be skewed towards larger, often government controlled businesses (SOEs). Rather than looking at companies as either quality, value or growth businesses, the team focus on significant positive change in any type of business. Company meetings are the primary source of investment insights and structured research notes ensure discipline and a common investment language across the team. Ideas are reviewed by the peer group to establish...
3 months ago
RaynerSpencerMills
26 reputation
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Rated fund - Artemis Global Emerging Markets - June 2017
The SmartGARP investment process is quantitatively based, so historically has always been vulnerable at times of market inflection points. The team have now refined the process to reduce the impact on portfolio performance of rapid changes in market sentiment, as was seen in the risk off rotation in the market in the early part of 2016. The Emerging Market fund has a higher value content than the European and Global funds which has influenced recent performance. The advantage of this type of quantitative methodology is that a large number of stocks can be screened and analysed, ...
3 months ago
RaynerSpencerMills
26 reputation
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Rated funds under review - BlackRock European Funds - June 2017
BlackRock has announced that Vincent Devlin, manager of the RSMR-rated Continental European fund and co-manager on the RSMR-rated European Absolute Alpha fund is to step down from portfolio management duties in the firm’s European equity team with immediate effect. Stefan Gries who was co-manager on the European Absolute Alpha fund alongside Vincent will now be joined by David Tovey as the new co-manager on the fund. Stefan will also assume responsibility for the Management of the Continental European fund and he will be joined by Giles Rothbarth as a new co-manager. Given...
3 months ago
RaynerSpencerMills
26 reputation
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UK General Election - Another Election Surprise
When Theresa May called a General Election in April, an election she didn’t need to call due to the Conservatives already holding an overall majority, albeit a small one, this was not the result she was expecting and certainly was not her desired outcome. At the time of writing the Conservatives are in discussions to form a minority government with the Democratic Unionist Party (DUP) of Northern Ireland. It is still very early days in determining what this will mean in terms of deals, policies, government positions etc. and much will become clearer in the coming days, weeks and...
4 months ago
RaynerSpencerMills
26 reputation
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Rated fund - AXA Ethical Distribution - May 2017
This fund combines AXA’s long-term experience and track record in managing distribution-type funds with a strict negative ethical screening approach to provide investors with a strong, multi-asset, SRI proposition. Investors must be aware that the equity portion is restricted to the UK market, and due to the EIRIS screen, will be biased more towards small and mid-cap names. The fixed income portion is predominantly index-linked and conventional gilts, so these will influence the fund’s absolute and relative performance. Fund Manager Information Jim was appointed Managing...
4 months ago
RaynerSpencerMills
26 reputation
1vote
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Great Platform Advice & Suggestion
Hello and thank you for creating a great platform, it is a pleasure to use. I would like to ask a piece of advice as i am new to this: Is it advisable to buy lots of different funds or to research a couple and stick with those. Is it possible when selling to choose the option to sell all or do i have to write a letter for each fund i wish to sell. Suggestions: Would you be able to create a favorite area, as i am enjoying to research funds however each time i have to create a google docs to keep all good funds that i find in. Other than that great platform and enjoying to...
5 months ago
jordanboon0
1 reputation
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Rated fund under review - Threadneedle Global Opportunities - April 2017
The fund has been placed Under Review following a change in manger and the funds relatively disappointing performance. Threadneedle Global Opportunities (c) Rayner Spencer Mills We present all our findings in good faith and we will not be liable for any losses arising or purportedly arising as a result of acting on this information. Our information does not constitute advice or recommendation. ...
5 months ago
RaynerSpencerMills
26 reputation
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