Stocks and shares isas down in 2015

enthusiasticsaver

Just checked my valuation of my stocks and shares isa for 2015 and part of it which was invested in a lump sum unfortunately in April is down by 4.09% and the regular monthly saver part invested in since January is down by 1.89%. It does not really matter too much and I am not that concerned as I do not intend cashing any of it in but I just wondered how everyone elses' portfolio has done this year?

Broken_Biscuits

Down 1.1% overall for 2015.

TonyMMM

This year, my S&S ISA, with a number of funds within it, is showing an overall positive return of 4.12%, from 1st Jan to today.

However, if I look from from the start of the financial year, Apr 6th, it has a slight loss of 0.61%.

So the +ve return this year, for me anyway, was Jan-Apr it seems.

agent69

enthusiasticsaver wrote: »

I just wondered how everyone elses' portfolio has done this year?

Last year went through the roof, this year it's on the way back down.

You need to be in it for the long term

wooder

...up 15.74% from this day last year which is good news as I sold my BTL in July, bunged some of the proceeds in my s&s fund and in 4.5 months I'm up the equivalent of about 8 months rent....

pip895

Pretty poor - A little better than you though - 2015 looks like it will be in the region of 5% up so could be worse. I am mainly in managed funds which have fared a little better than trackers - probably mainly by avoiding miners.

enthusiasticsaver

Yes mine are in passive tracker funds and unfortunately a large lump sum went in just at the wrong time (April-May) which is when the markets were quite high and it has been all downhill from there. Still the dripfeeding since then has corrected it a bit as it was almost 6% down at one point. A lesson maybe to me not to do lump sums in the future. Hopefully when I look at it in five or ten years time it will look more positive. This is the first year of my investing so not a good start

Superscrooge

enthusiasticsaver wrote: »

Yes mine are in passive tracker funds and unfortunately a large lump sum went in just at the wrong time (April-May) which is when the markets were quite high and it has been all downhill from there. Still the dripfeeding since then has corrected it a bit as it was almost 6% down at one point. A lesson maybe to me not to do lump sums in the future. Hopefully when I look at it in five or ten years time it will look more positive. This is the first year of my investing so not a good start

I'd often wondered with each years ISA allowance whether I would be better making a lump sum investment at the start of the tax year or drip feeding the money in throughout the year. This article from Monevator answers the dilemma

http://monevator.com/lump-sum-investing-versus-drip-feeding/

JohnRo

enthusiasticsaver wrote: »

A lesson maybe to me not to do lump sums in the future.

It'll just take one really good year or two and you'll be pleased you did the lump sum. A bit of serenity goes a very long way and it hasn't been a really bad year anyway afaict.
Better to just accept it for what it is and carry on regardless.

ChesterDog

11.8% for me for the last twelve months.

Thrugelmir

enthusiasticsaver wrote: »

A lesson maybe to me not to do lump sums in the future. (

There's no evidence to support drip feeding as a better method. As long as you are investing for the longer term then good timing is much about luck as everything else. Markets do rise and fall. There's nothing you can do about it.