tracker up 30% - when to withdraw?

tafelmoneysaver

the title say it all really.
I've an isa tracker and it is showing a 30% growth over the past few years.
should I leave it there for another 30 years (continuing to top-up monthly) or withdraw to cash and realise the profits and start again?
I am sure this is one of those 'it depends' questions but I hadn't seen it asked before.
many thanks

grizzly1911

tafelmoneysaver wrote: »

the title say it all really.
I've an isa tracker and it is showing a 30% growth over the past few years.
should I leave it there for another 30 years (continuing to top-up monthly) or withdraw to cash and realise the profits and start again?
I am sure this is one of those 'it depends' questions but I hadn't seen it asked before.
many thanks

Tracking what?

Income or accumulation fund?

Who with? What annual fees?

What value?

Do you need the funds?

How critical are the funds to your wants/needs in the near, middle and distant future?

Do you miss the monthly contribution?

atush

Is this you only tracker? Fund?

If so, you could sell half and start drip feeding into another tracker/fund? This would crystallize some of your gains. I'd be inclined to continue investing though.

Linton

tafelmoneysaver wrote: »

the title say it all really.
I've an isa tracker and it is showing a 30% growth over the past few years.
should I leave it there for another 30 years (continuing to top-up monthly) or withdraw to cash and realise the profits and start again?
I am sure this is one of those 'it depends' questions but I hadn't seen it asked before.
many thanks

Why may you not want to carry on? Do you need the cash?

There could well be some advantage in advantage in adding a different investment.

tafelmoneysaver

Sorry, I was trying to keep it simple but perhaps I excluded too much information.

grizzly1911 wrote: »

Tracking what?
FTSE All share

Income or accumulation fund?
accumulation

Who with? What annual fees?
Hargreaves Lansdowne

What value?
£5,000

Do you need the funds?
No

How critical are the funds to your wants/needs in the near, middle and distant future?
Not at all - Long term savings

Do you miss the monthly contribution?
No

Based on other responses I will research potential avenues for further diversification

Many thanks,

Totton

Move the lot to a Vanguard LifeStrategy fund, either the 80% or 100% if you don't need the money for a few years. Going global will I think give you higher returns in the long run.

HTH,
Mickey

gkerr4

this needs a lot of thought - 30% is a good gain, no one ever got hurt taking a profit.

you need to provide more details on what the fund is - and even then, no one here can tell you what to do - you need to think "am i still a buyer at this level" - if you are, then great, keep it there, if you wouldn't buy any more, then probably time to take the money put and look for a new home for it.

dunstonh

30% is a good gain, no one ever got hurt taking a profit.

Unless by trying to time the market and failing (which most that try that do) they miss out on a further 30% gain and that leaves them in a shortfall position.

Especially if they go back in later and then a drop occurs (which it will). They would have missed out on the gain before hand and suffered the full extent of the drop.

I fear the investment objectives are not really known, risk profile is probably not right (the word "tracker" suggests one fund or limited area potentially), capacity for loss is not known and we wont be able to help to that is known.

gkerr4

dunstonh wrote: »

Unless by trying to time the market and failing (which most that try that do) they miss out on a further 30% gain and that leaves them in a shortfall position.

Especially if they go back in later and then a drop occurs (which it will). They would have missed out on the gain before hand and suffered the full extent of the drop.

I fear the investment objectives are not really known, risk profile is probably not right (the word "tracker" suggests one fund or limited area potentially), capacity for loss is not known and we wont be able to help to that is known.

they still didn't get hurt - they banked a 30% profit!

dunstonh

gkerr4 wrote: »

they still didn't get hurt - they banked a 30% profit!

And what if that 30% short term profit cost them say another 50% long term profit which left them in a shortfall position for the objective?

e.g. retirement planning for 30 years down the road.

gkerr4

dunstonh wrote: »

And what if that 30% short term profit cost them say another 50% long term profit which left them in a shortfall position for the objective?

e.g. retirement planning for 30 years down the road.

true - but what it if drops 50%?

this is what i'm saying, we're on the same wavelength (ish) - it needs careful thought....

a 30% profit is not to be ignored because there "could be a further 50% to be made".