BrilliantWithMoney

You can invest in a very wide-range of investment funds within your BrilliantWithMoney SIPP.  In fact you can pick from more than 3,000 funds from over 230 fund managers.

With so much choice it can be difficult to know where to start.

BrilliantWithMoney site editor Martin Bamford has put together three SIPP portfolio ideas to give you a place to start when you are thinking about your investment selections.

As author of Brilliant Investing: What the Best Investors Know, Say and Do, Martin knows what it takes to construct a winning investment portfolio.

These portfolio ideas might be suitable for a cautious, balanced or speculative investor who has at least seven years until they start to take retirement benefits. Feel free to use these for inspiration when building your own portfolio within the BrilliantWithMoney SIPP.

Remember – if you are not confident to do this yourself, you may want to take advice.

To find more inspiration, take a look at the Invest pages of BrilliantWithMoney.

The Cautious Portfolio

This portfolio is ideally suited to cautious investors who are seeking a long-term return higher than a cash deposit account but they accept that the value of their BrilliantWithMoney SIPP portfolio could go down as well as up. They would feel uncomfortable if their investments went up or down in value rapidly.

This BrilliantWithMoney SIPP portfolio idea has no initial fund charge and an overall discounted annual fund charge of 0.51%.

The Moderate Portfolio

This portfolio is ideally suited to balanced investors who are looking for a balance between risk and reward. Investors who use a portfolio like this in their BrilliantWithMoney SIPP are looking for higher long-term returns than they could get from a cash deposit account and they are willing to accept a certain amount of fluctuation in values. However, they would feel uncomfortable if their investments were to fall in value significantly in one year.

This BrilliantWithMoney SIPP portfolio idea has no initial fund charge and an overall discounted annual fund charge of 0.57%.

The Speculative Portfolio

This portfolio is ideally suited to more motivated investors who are willing to accept a higher level of risk on their investment, in return for higher returns over the longer-term. This means that they are willing to accept a good amount of fluctuation in the value of their BrilliantWithMoney SIPP portfolio as a result.

Investors using this type of portfolio would would feel comfortable if their BrilliantWithMoney SIPP fund fell in value more than 25% in one year and would see this as a time to ride out the storm rather than a time to invest more money.

This BrilliantWithMoney SIPP portfolio idea has no initial fund charge and an overall discounted annual fund charge of 0.63%.

The Small but Important Print: Remember that the value of your investments can go down as well as up. Past performance is not necessarily a guide to future investment returns. The portfolio ideas listed above do not constitute a personal recommendation. If in doubt, seek independent financial advice before making a decision.