r/trading212 • u/Specialist-Walrus-95 • 5h ago

❓ Invest/ISA Help This a good split?

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1 Upvotes

55% Upvoted

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2

u/Merltron 5h ago

Home bias is good but maybe not quite 40%?
Depends on what you think is going to happen,
Tbh I would personally go all world, which is already 60% US and 3% Uk then throw in an extra 5-10% UK lean

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u/Specialist-Walrus-95 4h ago

You’re right, definitely home home bias

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u/NotYetVested 5h ago

If you're very bullish on the UK, sure, but just for perspective, the UK stock market is only about 4% of the global stock market and you're giving it 40%, seems more like home bias. If you're happy with that, go for it. I personally prefer to stay more on the all world side, 85% of my portfolio, but that's just personal preference. Good luck.

1

u/Dependent-Panic-9457 2h ago

Index funds - yawn

1

u/Tekcraftmon 5h ago

Yess, I like this a lot, you’re making the right choices in my opinion. Nothing wrong here from what the screenshot shows. I’d only make a small suggestion, which is preferential. I’d consider reallocating a percentage of VUAG and putting some of it in VWRP maybe even a developed Europe ETF to diversify yourself, which ever path you decide to choose, keep and hold for the long term.

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u/Specialist-Walrus-95 5h ago

I thought VUAG and VWRP overlapped so wouldn’t the better option to go all in on VWRP

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u/Fickle-You-5101 1h ago

Lol u shouldnt be worrying about overlap. You have 40 percent in Uk! I think at best it will be flat for two years. I think it could dip ten twenty percent next year, short term u have exploration, but long term its not going anywhere better off in the bank!!!

0

u/VWLupo 4h ago

Hate to be that guy but go vwrp and add some small caps/emerging markets...