For those that invest....

[tomtomagain]

If you are only going to buy one or can't be bothered to do any research then.

https://personal.vanguard.com/us/fun...feStrategyList

Is the one you need.

Having said that I've got around 25 different investments ( trackers, bonds, shares, funds etc )

[Doggy Styles]

In a SIPP how many shares do you down? I think I might have gone too far in diversification with 14 different shares, with my eye on another 6, mainly all blue chips with a good history of dividends as i am looking for long term income return rather than growth in value, but i have a couple which are punts

I'm using an ISA for my individual equities. Your 14 plus is fine. I only have six or seven, I should diversify more.

[DimPrawn]

I found this interesting reading:

Dissatisfaction with Stocks for the Long Run

Then click next to go through the whole article. It is worth understanding that diversification and portfolio rebalancing are far more important long term than "stock picking" for low risk returns.

[sasguru]

I go for funds instead. Four low cost trackers of the major indices. One Europe (ex. UK), one UK only, one far-East and one US.

That just about covers everything.

Your trackers cover low growth areas: Europe and the UK.
Look for an Africa tracker - one which looks at the rise of the African middle class rather than simply mining.
That's going to be the growth story of the next few years.

[Troll]

Look for an Africa tracker - one which looks at the rise of the African middle class rather than simply mining.
That's going to be the growth story of the next few years.

PMSL

btw N100,000 = £405

Two recent research reports, one by BusinessDay and RMS TNS and another by Enhancing Financial Access and Innovation (EFInA), however, cast some shadow on the strength and depth of Nigeria’s middle class. First, the BusinessDay RMS TNS report shows that 81 per cent of Nigeria’s working adults actually earn less than N100,000 monthly. More significantly, the survey shows that 57 per cent of adults are unemployed. Also, of the 43 per cent that are employed, 62 per cent are self-employed and 38 per cent are in paid employment.

The second survey by EFInA has even more interesting findings. It puts Nigeria’s adult population at 87.9 million, with 71 per cent of them living in the rural areas. This means that an average of 62 million Nigerian adults lives in the rural areas. An average of 35.5 per cent or about 22 million of rural adults is engaged in farming, the EFInA report shows. Only 55.6 per cent of rural adults, about 35 million people, own a phone compared to 84.9 per cent of the adult population in the urban areas. So while, on the average, 9 in 10 adults in the urban areas of Nigeria own a phone, only about 5 of every 10 adults in the rural areas own a phone. However, only 29 per cent of adults live in the urban areas.

The Nigerian adult population is primarily young, with an average of 50 per cent under the age of 33 years. Majority of the adult population are, however, not highly educated, the report shows, with only about 8.1 per cent or about seven million of them having some form of tertiary education.

The low level of education may explain the finding of the EFInA report that only 4.5 per cent of Nigeria’s adult population or 3.99 million adults actually earn more than N70,000 monthly.

[sasguru]

some guff about Nigeria

Invest where you like. It's survival of the fittest.