J
Jezzer 2014
Hi
I'm approaching retirement and have been heavily invested in equities untilnow, which has worked pretty well thanks to QE etc.
However yesterday I liquidated about 20% of my portfolio, to begin to take some risk off the table, so I'm now about 25% in cash, 15% in commercial property, 5% in gold and the remainder in a reasonably diverse basket of equity funds, investment trusts and ETFs.
I can't face being heavily in cash, with close-to-zero interest rates. Can anyone suggest a solid asset that I can put into a Hargreaves Lansdown ISA and SIPP which would give, say, a reliable 3% return with little chance of capital loss? I'm loath to use a bond fund at the moment as all the talk isof a bond bubble bursting when interest rates (eventually) rise.
Thoughts welcome!
I'm approaching retirement and have been heavily invested in equities untilnow, which has worked pretty well thanks to QE etc.
However yesterday I liquidated about 20% of my portfolio, to begin to take some risk off the table, so I'm now about 25% in cash, 15% in commercial property, 5% in gold and the remainder in a reasonably diverse basket of equity funds, investment trusts and ETFs.
I can't face being heavily in cash, with close-to-zero interest rates. Can anyone suggest a solid asset that I can put into a Hargreaves Lansdown ISA and SIPP which would give, say, a reliable 3% return with little chance of capital loss? I'm loath to use a bond fund at the moment as all the talk isof a bond bubble bursting when interest rates (eventually) rise.
Thoughts welcome!