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LAURA SUTER, AJ BELL
MY ISA portfolio is split between funds that track specific stock markets – so called passive funds – and those run by managers with winning investment styles or in whom I have confidence.
For example, I have a fund that tracks the performance of the FTSE250 Index. I also have holdings in Evenlode Income, which invests in dividend-friendly UK-listed firms, and Pictet Robotics, a fund investing in companies that lead the world in the introduction of automation. It’s a big theme of the future.
I’m not as disciplined as I should be when it comes to drip-feeding my money into stock markets, but I’ve set up a regular investment plan, then buy other investments as and when I have spare cash.
JULIET SCHOOLING LATTER, CHELSEA FINANCIAL SERVICES
I USE half my Isa allowance of £20,000 early in the tax year and then use the rest as and when opportunities come up.
In this tax year, I will probably make an investment in Goldman Sachs India Equity Portfolio, but not until next month, when the outcome of the Indian elections are known. I am a long-term investment fan of India. I like its demographics and the fact that swathes of its population are highly educated and entrepreneurial.
Later in the year, I will invest in the UK stock market, but at the moment it looks a little expensive with both the FTSE 100 and FTSE All-Share indices up sharply since the turn of the year.
Maybe, if we get a resolution on Brexit later in the year, I will build on my existing Isa holding in Chelverton UK Equity Growth – a fund with a portfolio bias towards smaller companies.
PATRICK CONNOLLY, CHASE DE VERE
I INVEST monthly into my Isa with Charles Stanley. I also contribute to a workplace pension managed by Standard Life Aberdeen. Sadly, I don’t make use of my full annual allowances – I don’t have enough money for that. But I do make overpayments on my mortgage.
My new Isa contributions are in funds: Liontrust UK Micro Cap – investing essentially in small British companies – and Miton UK Smaller Companies. Yes, higher risk, but my existing Isa holdings are a little more conservative.