Quinn Freeway

Its quite ok- just my personal opinion
I'd have a split as follows

40% euro
20 % celtic
15% US
15% japan
10% UK

either way, i'd have aprox 60% 0r 2/3ths in euro denominated funds, and i'd have the remaining 40% or so spead across at least 2 non- euro currencies, not one non euro currency only; rem dollar has depreciated by ?30% in last few years against the euro for example.
 
F. Kruger said:
Just curious. Why have you excluded all other asset classes(other than equities) from your investment?
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Sorry Kruger as stated earlier I am novice at this. Afraid I don't understand what you mean here. Surely I am splitting country funds rather than asset types here. I don't have the choice
 
Sorry now I get the gist of what you mean. Because I am going long term 20+ yrs with this fund I felt that I should go with the higher risk options at this stage.
 
I guess I am in a similar situation.

My Quinn Life SSIA expires this month and I am considering my options. This is my plan and I would appreciate any comments or advice. I'm aware that you cant predict the markets. My aim is to have a balanced fund with no major exposure to any one particular market:

-continue to keep €20K of my SSIA invested in the Quinn life Euro Freeway fund as I have for the last 5 years.

-increase my monthly contribution to €500 per month and invest it using the following breakdown:

20% Celtic freeway
20% UK
20% Japan
20% Emerging markets
10% US
10% China

I decided not to include the Euro freeway in this mix because I feel I am already exposed to this market enough with my €20K lump sum.

I decided not to put more than 20% towards the Celtic freeway as I feel I am exposed enough to the Irish market with an investment property here.

All comments and advice appreciated.
 
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Lotus, looking at replies to my query earlier it would also appear that you are way over exposed to non euro zones. That is why I readjusted my allocation to take account of this.
 
Thanks Happy Girl for response.

I thought having lump sum of €20K invested in Euro freeway and then 20% of my savings going forward invested in Celtic was OK.......

..........maybe I am over exposed to currency risk though...........was thinking of going with the breakdown I laid out in my first post for a year or 2 and then re-evaluating.............Any thoughts?
 
I think I will chance the investment split I have outlined in my post on this thread...........it seems to be pretty balanced and after that I guess equities are luck of the draw.............

Anyone have any final advice before I sign up?!
 
To add more percentages !!
I took the SSIA from Quinn (50% Celtic/Euro) when it paid out Jan/07 and rolled the whole amount back into Quinn funds. This time with a more diverse spread;
BioTechnology 5%
China 30%
Emerging Markets 10%
Euro 30%
Celtic 25%

Then with the dip at the end of Feb I got tempted to put some savings in. I wouldn't say that this will definitely prove to be the wisest move I've ever made but we'll wait and see, and medium term I can afford to leave the money there and wait out any bumpy graphs. Here's hoping anyhow.

China 25%
Emerging Markets 25%
Euro 50%

Watching the China daily percentage in/decreases takes a bit of getting used to though !
 
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Go to a discount broker,
they will give you a 103.5% allocation rate
and 1% management fees
with some of the other insurance companies, that offer the same sort of products.
 
hhhhhhhhhh said:
Go to a discount broker,
they will give you a 103.5% allocation rate
and 1% management fees
with some of the other insurance companies, that offer the same sort of products.
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Am I missing something? The terms outlined above are not mentioned on that page.
 
and also I believe those offers refer to single premium policies only, rather than regular contributions.
 
ClubMan said:
Am I missing something? The terms outlined above are not mentioned on that page.
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You know about discount brokers and what they offer.

"In general our service will result in an enhancement in the region of 3 to 5% of the amount invested in the form of an increased allocation of units, an increased allocation rate, or a reduced annual management charge, which will be clearly stated on your policy document."

Happy Girl said:
Not very user friendly. How do I activate discount code?
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You have to choose your policy and then contact them.

gravitygirl said:
and also I believe those offers refer to single premium policies only, rather than regular contributions.
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The op is talking about a single premium
 
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