I've got £100k in my Isa and it needs a spring clean - what 全世界の 投資 信用s can I 選ぶ?
I have built up just over £100,000 in my 在庫／株s and 株 Isa and am a long-称する，呼ぶ／期間／用語 投資家 but have a real hotch-potch of 投資s in there.
My Isa 含むs some UK 株, some 投資 信用s and some 基金s that I have 蓄積するd over the years for さまざまな 推論する／理由s.
I would like to do a big spring clean and 簡単にする my holdings. I want to get rid of the individual 株 大臣の地位 and instead 持つ／拘留する about five 投資 信用s that I can easily manage. I favour 投資 信用s over 基金s, as I prefer the way they are structured.
I 計画（する） to 持つ／拘留する 40 per cent of my Isa in three riskier 投資s that I think are 利益／興味ing and 約束ing, a tech 信用, a biotech 信用 and a UK value companies 信用.
I want to have the other 60 per cent in two 全世界の 投資 信用s that I can buy and 持つ／拘留する for the long-称する，呼ぶ／期間／用語 but I don't know which ones to go for. Do you have any 専門家 推薦s on 全世界の 信用s 価値（がある） considering?
Going 全世界の: Our reader is looking for two 全世界の 投資 信用s to 配分する 60% of his 大臣の地位 to
Helen Kirrane of This is Money replies:?全世界の 投資 信用s 許す you to spread your 投資 危険 by 投資するing in a diversified 大臣の地位 of companies across different world 地域s.?
Interestingly, the 全世界の 投資 信用 部門 is also home to some of the oldest 投資 信用s in 存在.?
These 信用s tend to have experienced 基金 経営者／支配人s 選ぶing the 在庫／株s and several 全世界の 投資s 信用s also have a 跡をつける 記録，記録的な／記録する of raising （株主への）配当 payouts for １０年間s in a 列／漕ぐ／騒動. 銀行業者s and 同盟 信用 have a 57 year 記録，記録的な／記録する of continuous （株主への）配当 rises each year, while F&C has 53 years and Brunner 52.
投資 専門家s recommend you do some digging into the 全世界の 信用s you are 利益／興味d in and any others you have identified as 可能性のある holdings to see if you’re happy with the 投資 戦略, 危険 profile, and 告発（する），告訴（する）／料金s. Then you at least have some ideas for building your new-look 大臣の地位.
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Lait h Khalaf, 長，率いる of 投資 analysys at AJ Bell replies: 井戸／弁護士席 done for 取り組むing the 大臣の地位 spring きれいにする. It’s something that needs to be done from time to time, as we all occasionally find ourselves with a 名簿（に載せる）／表（にあげる） of holdings that could be 簡単にするd and 強固にする／合併する／制圧するd.
For a £100,000 大臣の地位 you might consider 持つ／拘留するing more than five 信用s, though not too many more, as you need to keep them manageable as you say.?
But on 現在の 計画（する）s you are going to 結局最後にはーなる with 13 per cent of your 大臣の地位 in each of the three 信用s that you have 述べるd as riskier, so some greater diversification may be 令状d.?
Laith Khalaf: 大臣の地位 sping きれいにする needs to be done from time to time
You might also think about 追加するing another 信用 or two into the 全世界の line-up, さもなければ 30 per cent of your 大臣の地位 will 結局最後にはーなる in each of the two 信用s you 現在／一般に have designs on.?
That’s やめる a lot of eggs in one basket. If these 信用s underperform that could have an outsized 影響 on your 大臣の地位 if they 構成する such a large 百分率 of it.
ーに関して／ーの点でs of 信用s you might want to consider, given the 比較して small number of 信用s you wish to 持つ／拘留する, I’d 示唆する some diversification is 重要な. To that end I think F&C 投資 信用 and 同盟 信用?are 価値（がある） looking at.?
F&C 持つ／拘留するs around 400 在庫／株s and 同盟 信用s 持つ／拘留するs around 200, with both devolving 在庫／株 選択 決定／判定勝ち（する）s to underlying 地域の specialists. These are two of the oldest and biggest 投資 信用s out there and both are designed as 核心 大臣の地位 holdings.?
If you wished to 追加する some more 全世界の 信用s to the mix you might consider 修道士s 投資 信用 and 安全s 信用 of Scotland.?
The former is run by Baillie Gifford, and in keeping with the house style the 経営者／支配人s 選ぶ growth companies they think will be long-称する，呼ぶ／期間／用語 勝利者s.?
安全s 信用 of Scotland is a 全世界の 公正，普通株主権 Income 信用 which 目的（とする）s to 供給する a rising income and long 称する，呼ぶ／期間／用語 資本／首都 growth from a concentrated 大臣の地位 of 質 companies. The income 分配するd can of course be reinvested to 生成する greater long 称する，呼ぶ／期間／用語 total returns.
I’d also just point out that 全世界の 基金s and 信用s will 現在／一般に tend to have a high （危険などに）さらす to 科学（工学）技術 already because of the high 負わせるing of the Magnificent Seven tech 在庫／株s in 全世界の 株式市場 indices so you might want to take this into account when you are considering a tech 信用 for your 大臣の地位.?
Kate Marshall:?For most long-称する，呼ぶ／期間／用語 投資家s 焦点（を合わせる）d on growth, a 核心 of 全世界の 公正，普通株主権 基金s or 投資 信用s is sensible
Kate Marshall, lead 投資 分析家 at Hargreaves Lansdown replies:?For most long-称する，呼ぶ／期間／用語 投資家s 焦点（を合わせる）d on growth, a 核心 of 全世界の 公正，普通株主権 基金s or 投資 信用s is a sensible approach.?
They 供給する diversification ーに関して／ーの点でs of style, 部門 and 地理学, and the mix between these is looked after by a professional 基金 経営者／支配人.?
基金s or 信用s 焦点（を合わせる）d on 明確な／細部 地域s or 部門s can then be built around this.
My first 全世界の 投資 信用 選ぶ for you is F&C 投資 信用. 全世界の 投資 信用s 供給する a good level of diversification in a 選び出す／独身 信用. They 供給する （危険などに）さらす to a mix of countries, 部門s, and companies from across the globe.
F&C 投資 信用 is the oldest 投資 信用 in 存在, having been 設立するd in 1868, and Paul Niven has managed it for almost 10 years. He uses a multi-経営者／支配人 approach to 投資する in both public and 私的な companies around the globe. This means several 経営者／支配人s are 責任がある running different parts and 地域s within the 信用, so it has lots of experience behind it. Each 経営者／支配人 has different strengths, styles and areas of 焦点（を合わせる） which are blended and 監視するd closely.
< p class="mol-para-with-font">The second 投資 信用 選ぶ for you is Scottish American 投資 Company. This 信用 is also one of the oldest 投資 信用s around, having 開始する，打ち上げるd in 1873. James Dow and Toby Ross, the 現在の 経営者／支配人s, search globally for companies with the 可能性のある for 維持できる growth and a reliable （株主への）配当.They おもに 投資する in 株 in developed markets, which should 供給する a dependable income stream and the 可能性のある for above インフレーション 利益（をあげる） growth. Some 投資s in UK 商業の 所有物／資産／財産 and 全世界の 社債s 供給するs useful diversification, while some 組織／基盤／下部構造 and 所有物／資産／財産 株 help diversify the income paid to 投資家s and could 配達する growth ahead of インフレーション. The income can either be paid out or reinvested to 上げる 未来 growth 可能性のある.
Jason Hollands:?A ありふれた mistake made by 投資家s is to gather collections of 投資s often bought on an 広告 hoc basis
Jason Hollands, managing director of Bestinvest replies:?I 疑問 you are alone in admitting you feel your 大臣の地位 is a 'hotch-potch of 投資s'.?
A ありふれた mistake made by 投資家s is to gather collections of 投資s often bought on an 広告 hoc basis, without やむを得ず first thinking about their 全体にわたる 資産 配分 across different types of 投資s such as 公正，普通株主権s, 社債s, 所有物／資産／財産, gold and cash.
I know you are looking for two 全世界の 投資 信用s, but for a more high-octane approach, it may be 価値（がある） squeezing in Scottish Mortgage 投資 信用,?which is a concentrated 大臣の地位 of high growth companies from across the globe.?
After a stellar long-称する，呼ぶ／期間／用語 run, it had a rocky ride in 2022 and for the first half of 2023 but has recently 発表するd a very bold move that will see Scottish Mortgage?buy 支援する up to £1billion of 株 over the next two years. With the 株 貿易（する）ing at -13 per cent 割引, this could be an 利益／興味ing time to take a 火刑／賭ける.
While 投資 信用s have many strengths ? I’m a big fan ? I wouldn’t be dogmatic at only using 信用s in your 大臣の地位: 基金s and ETFs are 価値（がある） considering too.?
For example, 追加するing a little （危険などに）さらす to physical gold can help 供給する some 防御の 特徴 to a 大臣の地位 in times of market 強調する／ストレス and this is most easily 達成するd by 投資するing in an 交流 貿易（する）d 商品／必需品 like the?Invesco Physical Gold ETC.?
