The funds & shares I actually invest in

Let’s start with an important disclaimer, shall we. I am not a financial advisor or a professional within the financial field. The article below does not constitute financial, investment or any other kind of advice. If you invest in the stock market, your capital is at risk and you should always bear that in mind.

Disclaimer over, today I am going to tell you where my money is actually invested and why. I will be speaking about the investments I pick for myself with the money I am not afraid to tie up long term or potentially lose. While I don’t feel competent to advise anybody on their stock portfolio, as a financial blogger I feel it only to be appropriate to be transparent about where I put my cash. So here it goes.

Index Funds

I hold shares in three index funds. I am, with each fund and share name, including a link to HL (not sponsored) overview. While I am using HL here, but you’ll be able to find the same information on pretty much every trading platform you opt to use. Screenshots are taken on Wednesday 3rd June, before markets close for the day.

Vanguard FTSE 100 Index Accumulation

The chief reason for me to own this fund is that I live in the UK and despite it’s recent political and economical challenges, the FTSE businesses in my personal opinion remain resilient. The secondary reason is that the fees on this particular fund are low at 0.06% ongoing charge compared to a reasonable return. The final reason is the same for every single index fund I hold – the market average outruns individual stocks in majority of scenarios and I like to play some things safe.

iShares Pacific ex Japan Equity Index Accumulation

I have a keen interest in the APAC market. However, knowing a fair bit about Japan’s working culture, the fund I chose excludes it. Instead it focuses on holdings from other countries such as S. Korea, Australia, HK and Taiwan. The annual charges stand at 0.13% making this fund one of the cheapest. Fidelity offers similar charges, while most others, including Vanguard are slightly higher or in some cases, significantly higher.

Legal & General US Index Accumulation

I might have no love for Trump but the US economy, similarly to the British one, can take lot of beating and still come out the other end intact. I chose this specific fund based on the low annual charge of 0.06% (again, Fidelity is another fund manager offering this low charge).

Other funds

Making the heading plural is a big lie – I only hold shares in one non-index fund, which happens to be a well known and generally outperforming Lindsell Train Global Equity Income.

Long story short with this one, I wanted a piece of Lindsell and this one was cheaper per annum than their Accumulation one. The year on year performance between the two also favours this one, alas the past performance is not exactly a reliable indicator of the future. Anyway, it was a case of I want it so I got it.

Individual stocks

I don’t normally do this. I am not lucky enough to win the lottery, and I don’t usually hold much in terms of individual company stocks. BUT recently I made a decision to include some, with genuinely tiny values for the holdings. I now have two individual stocks in my portfolio, each costing me right around a whooping £90.

Astrazeneca PLC

The reason for purchase? They’re headquartered in Cambridge and are research focused. And I’m hoping they’ll manage to find a Covid-19 vaccine.

easyJet PLC

I am honestly hoping that they don’t fold the business. I spent some time working with their IR (investor relations) team some years ago and frankly I liked what I saw then. I still like what I see now – for a no frills airline they seem to suffer less scandals than competition. Their share price has plummeted over the last few weeks given that their fleet has been grounded and will only restart operations in a couple of weeks. They are also about to (most likely) get slapped by the ICO over the data breach back in January to which their response has been poor. While this is never a good news for any company, for a bargain hunter such as me this is in fact a pretty good news – the shares have in effect gone on sale. Obviously I am mindful that there is a chance they will go bankrupt, so my holding again is tiny. I’ll either make a decent return or a tiny loss, either of which I am fine with at this stage.

And now you know it all, at least for the holdings which I picked myself. If you fancy sharing what’s in your wallet, leave a comment below.

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