lacklustre results

justme111

dunstonh wrote: »

To put that average in context, the dot.com (and other events of that period) resulted in a 43% loss. The credit crunch also saw a 43% loss. A more "typical" crash is 25% with corrections at 10%.

If you are 100% invested in equities and cannot handle a 40% loss then you are invested above your risk profile.

That's all right , it was money that I designated to be
used for dipping my toe in the waters of investment , I have mentally written it off 100% before starting , was just checking all was going by plan

somethingcorporate

As per the above the results are to be expected.

I've got 2 funds that are 50%+ down (gold and emerging markets) but supported by a couple of funds that are 30% up. You have to take the rough with the smooth and hope over the longer term you'll be up.

N1AK

justme111 wrote: »

I understand re long term. It's just that if in a year and a half I lost £30 it looks like in 5 years I would have lost 3 times that amount , ie £150

You might do

Ask yourself a fundamental question. Did you invest because a) You know about markets and think they are a good investment? or b) Trust the advice of people suggesting markets are a good investment?

You've invested in a selection of trackers with fidelity so you seem to be trying for a low cost passive investment porfolio (good choice imo). This isn't a get rich scheme, nor is it without the risk of markets improving or falling.

I've put £13,800 into a similar portfolio with Cavendish since Sep 2012 and it's currently worth £15,800 (about 7.5% pa). I didn't do anything smarter than you, I've just been a bit luckier with timing. What has happened in the past shouldn't influence your analysis of what will happen next.

I've put £1,600 into a Latin America tracker and lost £200. I'm actually considering investing more there because the general view seems to be that the developed markets (where my current increases have come from) may be overvalued where as developing markets are undervalued.

Passive investing is a boring and long term thing. You can, and probably should, do it without looking at your account more than a couple of times a year.

grey_gym_sock

N1AK wrote: »

You've invested in a selection of trackers with fidelity so you seem to be trying for a low cost passive investment porfolio (good choice imo). This isn't a get rich scheme

it's a get rich slowly scheme