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£120k in an ISA, thoughts on my Investments? : UKInvesting


Hey guys

Hope everyone is safe and well.

Just looking for a bit of advice as I am fairly new to investing. I spoke with a Financial Advisor a few years ago when I decided to move my portfolio of out Hargreaves Lansdown to Aviva (also use for my work pension so she was able to negotiate a very minimal platform/account fee).

In two years, the portfolio has only increased by approx £10,000. In the last 12 months, the return has been 6.72%.

In the grand scheme of things, it seems fairly reasonable but I don’t have a wider knowledge on whether the money could have performed better elsewhere.

My investment is currently in FE Hybrid Risk Level 4 Medium – 00.30 with the breakdown below:

Baillie Gifford American B Acc 8%

BlackRock European Absolute Alpha D Acc 3%

Brown Advisory US Sustainable Growth growth B Acc 12%

Fidelity Index UK P Acc 6%

HSBC American Index C Acc 8%

Invesco European Equity Z Acc 5%

JPM Emerging Markets Income C Acc 11%

Schroder Global Recovery Z Acc 4%

Trojan Income X Acc 6%

Unicorn UK Income B Acc 11%

Vanguard Japan Stock Index – Acc 8%

Vanguard U.K Government Bond Index – Acc 17%

With my tin hat on, it seems fairly well diversified and low-medium risk, but would really appreciate some thoughts on whether I would be better off in a different portfolio or even whether you think it is worth sticking with.

I have money elsewhere with a riskier portfolio so wouldn’t want to go too crazy on this.

Let me know if there are any questions I can help with to provide more clarifications. Thanks in advance 🙂



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