The Perfect ISA portfolio that makes money in all market conditions

7 min Read Published: 24 Mar 2016

By now you all realise that I spend a lot of time producing analysis and research that can stand the test of time. It is a brave thing to do to produce articles with titles such as Funds to ‘buy & forget’ in 2016. Yet that is exactly what 80-20 investor is all about and what makes it unique.

In the same vein a year ago I produced an in-depth article revealing The Perfect ISA Portfolio. To recap I am often asked 'Where should I invest my ISA allowance?' So I set out to determine the perfect combination of different types of assets that can not only make you money but reduce the chance of you making a loss.

Perfect ISA Portfolio

To find the perfect ISA portfolio I laid down a series of ground rules:

  • There would be no constraint over which assets could be included or in what proportions they are held
  • The portfolio must have made money every tax year since the last market peak back in 2000 and not lost money
  • It had to at least beat a FTSE 100 Index tracker and
  • The asset allocation had to remain constant throughout that time

So in essence I wanted to find the perfect 'buy and forget' asset allocation.

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