Right Name

📈 How do I actually structure my SIPP ? This is a question I am often asked. Most investors build their portfolios by accumulating names they like, names they believe in. I build mine with pillars, each with a specific job in mind. 💎Pillar 1 - Growth & Income - Core holdings (#JGGI, #IGET, #MYI, #JEGI, #JAGI #JCGI- the first three don't overlap too much - this is important) This is the engine room. Four global/regional trusts doing double duty: capital growth AND a rising income stream, without me having to pick individual winners. JGGI/IGET/MYI gives me global growth exposure with a quarterly payout funded partly from capital, a structure I'm comfortable with because the total return has been consistently strong. JEGI and JAGI extend that same growth-and-income discipline into Europe and Asia, so I'm not just US/UK concentrated. This layer is the ballast: diversified, professionally managed, income-generating, and it lets me sleep at night even when markets are choppy. 💎Pillar 2 - Private credit, infrastructure & real estate This is where the reliable cash comes from. Private credit trusts (#MGCI, #TFIF, #NCYF, #GCP, #BIPS #RECI and #CVCG) capture the illiquidity premium banks used to earn, steady coupon-like income, less correlated to equity markets. Infrastructure trusts (regulated assets, long-dated contracted cash flows) #FGEN, #INPP, #HICL and #UKW add inflation-linked, defensive income. Real estate names think healthcare property, supported living, logistics-adjacent, bring rental-style income with asset backing. None of this is exciting. That's the point. It's the layer that keeps paying whether or not the market is having a good year. #PHP #SUPR #DLN #GRI #BBOX 💎Pillar 3 - Recovery & growth stocks (30-40%) Only once the income base is doing its job do I let myself add the higher-conviction, higher-volatility sleeve, undervalued recoveries and growth names with real upside optionality. This is where I take swings, but it's sized deliberately small relative to the base, because if it goes wrong it shouldn't dent the income machine underneath. Why layer it this way? Because for me, with ten year away from retiring early, income investing isn't about chasing the highest yield, it's about sequencing risk. Core income first, diversifying income second, speculative growth last, and always sized so the top layer can't sink the foundation. Of course the weighting of each of these pillars moves in line with cycles ... when market dips I tend to sell some of my safer assets in order to grab the opportunities out there. Everyone has a different investment philosophy and there is no right or wrong - enjoy the ride 🤩

📈 🧱 Are you new to investing or rebuilding your portfolio? Before you buy a single stock, build your FOUNDATION first! Start with broad, diversified global funds or investment trusts that do the heavy lifting. For various reasons I prefer Investment Trusts @AICPRESS. Remember, that depending on the investment platform you use you might be charged extra for simply holding open-ended funds. My investment platform @HLInvest charges me 0.45% annually to hold them vs. zero when holding investment trusts! I only hold two open-ended funds, which I will discuss at a later date. My foundations are currently built on five (seven actually) core funds, and its weighting can change based on the market/geopolitics we find ourselves in: 📌 #JGGI – Global growth & income! 📌 #IGET – International equity income backbone! 📌 #SMT – Scottish Mortgage, high-conviction! 📌 #SUPR & #PHP – Core REITS! 📌 #HICL & #INPP – Core Infrastructure trusts! These aren't that exciting. They're not meant to be. They're the bedrock. My investing philosophy is simple: 💡 70% Income / 30% Growth 💡 If a dividend is cut, I sell. No exceptions. 💡 Live off dividends in retirement. Never erode the capital. Once your foundation is set, THEN you layer in individual stocks, recovery plays, tactical positions. 🏗️ Not the other way around. Build your portfolio brick by brick. Slow. Deliberate. Intentional. That's how you build something everlasting, and never take on more risk than you can carry! Wishing everyone a Happy Weekend! 🤩

🚀 @SpaceX stock ticker will be $SPCX with June 12th as a IPO debut! #SMT 📈 Here’s the bull case!