Should I Be Worried With The Performance Of My Funds This Year?

mr_fishbulb

My S&S ISA is made up of a lot of high risk funds. I don't really mind that they are dropping; that's the nature of the high-risk beast, but because it seems to be nearly all of them are dropping I thought I'd post up here for a sanity check.

I am mostly invested in infrastructure, natural resources, emerging markets - the sort of stuff which isn't currently doing too well. Below is a list of my funds. The ones in bold are ones that I'm currently investing in monthly:

AXA Framlington Global Technology - 9.33%
Baillie Gifford Emerg Mkts - 12.84%
CF JM Finn Global Opportunities - 24.75%
CF Ruffer European - 4.9%
First State Global Resources - 9.11%
First State Latin America - 2.05%
HSBC American Index - 2.71%
Investec Emerging Markets Local Currency Debt - 9.41%
Invesco Perpetual High Income - 14.54%
Skandia Ethical - 10.33%

Only the CF Ruffler, Investec Emg Mkt Debt and Invesco Perpetual ones have gained anything since the start of the year, and even those are starting to drop.

This isn't a post moaning that the prices are dropping, just really to check which path I'm on out of:

1 - I'm doing the right thing. I don't need any of this money for the next few years, and continuing to buy on the downfall will give me more units for when they start increasing in price in the future.

or

2 - I'm in all the wrong areas, if I keep up like this I'm going to end up with less than I would have done sticking the whole lot in an instant access account. I need to switch the majority of funds.

This is what my return looks like:



Any thoughts? Cheers

black_taxi_2

https://forums.moneysavingexpert.com/discussion/59404

should ask shares board--sabertoothtiger is the person to ask

Loughton_Monkey

Pretty much the same shape whatever funds you have.

What you are seeing is called 'Volatility'.

Whilst a week is a long time in politics, a year is a short time in investing!

mr_fishbulb

black_taxi wrote: »

https://forums.moneysavingexpert.com/discussion/59404

should ask shares board--sabertoothtiger is the person to ask

I haven;t ventured into shares yet though (have got my eye on one). These are OEICs/UTs

mr_fishbulb

Loughton_Monkey wrote: »

Pretty much the same shape whatever funds you have.

What you are seeing is called 'Volatility'.

Whilst a week is a long time in politics, a year is a short time in investing!

Cheers Monkey Man. Just got a bit bored of logging in to morning star every day and seeing red text.

edinburgher

Cheers Monkey Man. Just got a bit bored of logging in to morning star every day and seeing red text.

I wouldn't worry about it - I've got 8 funds all red at the moment - have seen myself slide from 15% yoy to 2%!

PParka

I would worry too much. All my funds are in the red at the moment.
Just going to ride it out for the long term.

I'm still tempted to buy a few Lloyds shares, but there is no way of telling if they have hit the bottom yet.
Good luck.

dunstonh

Always remember that investments WILL go down at times as well as up.

You need to be careful about micromanaging them and worrying about short term trends. If you follow it that closely then you will always worry when there is a drop. Just let them do what you know they are going to do.

As long as you dont need the money in the short to medium term and you are not investing above your risk profile and you have sufficient emergency funds/cash to see you through short term issues then don't worry.

You know your investment spread is high risk and is capable of a 60% loss in 12 months. So, if that happens, it shouldnt worry you. If you are worrying about a 3% loss year to date then you are invested far too high above your risk profile.

cloud_dog

Just as a comment..... My investment account is very active but my OH SIPP has been sat with a large percentage of cash since late last year and since the the beginning of June I have started to add monies in to some investments.

Not sure where this retrace may end and for that reason this approach is somewhat risky but you have to go with what you are comfortable with, you have to fight through the psychological battle

Reaper

mr_fishbulb wrote: »

I don't really mind that they are dropping; that's the nature of the high-risk beast, but because it seems to be nearly all of them are dropping

That's just the nature of the markets at the moment. It is hard to find any sector that is looks apealing at the moment.

1 - I'm doing the right thing. I don't need any of this money for the next few years, and continuing to buy on the downfall will give me more units for when they start increasing in price in the future.

This is the correct view. The great thing about drip feeding investments is you can take comfort when they are going up and when they are going down!

As said previously you have gone for mostly high risk with a couple of exceptions. Perhaps the only thing I would do different is to not add any more to the Global Resources as I feel the sector is past it's peak. But that's just one view and I'm sure you would find no difficulty finding people arguing the opposite.

RobStaffs

mr_fishbulb wrote: »

My S&S ISA is made up of a lot of high risk funds. I don't really mind that they are dropping; that's the nature of the high-risk beast, but because it seems to be nearly all of them are dropping I thought I'd post up here for a sanity check.

I am mostly invested in infrastructure, natural resources, emerging markets - the sort of stuff which isn't currently doing too well. Below is a list of my funds. The ones in bold are ones that I'm currently investing in monthly:

AXA Framlington Global Technology - 9.33%
Baillie Gifford Emerg Mkts - 12.84%
CF JM Finn Global Opportunities - 24.75%
CF Ruffer European - 4.9%
First State Global Resources - 9.11%
First State Latin America - 2.05%
HSBC American Index - 2.71%
Investec Emerging Markets Local Currency Debt - 9.41%
Invesco Perpetual High Income - 14.54%
Skandia Ethical - 10.33%

Only the CF Ruffler, Investec Emg Mkt Debt and Invesco Perpetual ones have gained anything since the start of the year, and even those are starting to drop.

This isn't a post moaning that the prices are dropping, just really to check which path I'm on out of:

1 - I'm doing the right thing. I don't need any of this money for the next few years, and continuing to buy on the downfall will give me more units for when they start increasing in price in the future.

or

2 - I'm in all the wrong areas, if I keep up like this I'm going to end up with less than I would have done sticking the whole lot in an instant access account. I need to switch the majority of funds.

This is what my return looks like:



Any thoughts? Cheers

My thoughts are you are doing ok.Are these the figures for a discrete 1 yr period ?