Stocks and shares isas down in 2015

tmsbry

Mine's up due to me buying a lot of Vanguard in the October dip. Overall portfolio is down.

Been a pretty flat year for me.

AlanP_2

Down 1.09% since the first (lump sum) investment went into the pension 12 months ago today with monthly top ups since then.

In tracker funds.

slowpoke_rodriguez

It would also be interesting to hear what people have been investing in...

Superscrooge

The following article might act as a bit of a morale boost when markets are falling. It refers to the US stock market but is just as relevant to UK market

http://awealthofcommonsense.com/playing-the-probabilities/?utm_source=hootsuite

A couple of facts from the article that really stand out for me are;

The stock market is down one in every four years so it isn't that unusual to be down after a year.
The WORST total return for the S&P 500 over any 30 year period is 854%

It's time in the market not timing that counts.

george4064

Thrugelmir wrote: »

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.

Whats important is; Time in the market not timing the market.

Glen_Clark

I sold shares at a profit to use up my CGT allowance and reinvest in ETFs in March - which are down, but if I include the profits I booked in previous years I believe I am up a bit compared to what I would have got in the highest paying deposit accounts.
I'm 70% in equities but am not as optimistic about them as the people on here expecting 4%+ after inflation that we have had in the past. 10 year German bonds yield 0.6% before inflation, which is supporting high equity prices, I think that gives us a better idea of the lower returns we are likely to get from now

Glen_Clark

Superscrooge wrote: »

The following article might act as a bit of a morale boost when markets are falling. It refers to the US stock market but is just as relevant to UK market

http://awealthofcommonsense.com/playing-the-probabilities/?utm_source=hootsuite

A couple of facts from the article that really stand out for me are;

The stock market is down one in every four years so it isn't that unusual to be down after a year.
The WORST total return for the S&P 500 over any 30 year period is 854%

It's time in the market not timing that counts.

Problem with all these things is they rightly say past performance is no guide to the future, but nevertheless quote past performance as a guide to the future.
The difference this time is interest rates have never been so low for so long, which has already inflated equity prices way above normal valuations compared to their earnings.

Mrs_Z

+3.34% here, at some point during the year it went up to +7%, then a pretty steep dip to a 0 and now we're up again.
This is a new S&S ISA that I started in November 2014, so I'm pleased so far.

george4064

+21.26% for me, from 31/10/14 to 31/10/15.

I used this tool to calculate it: http://www.moneychimp.com/features/portfolio_performance_calculator.htm

jimjames

Being pedantic, S&S ISAs are not up or down. They're just a wrapper for whatever investments you put inside so the wrapper itself cannot decrease.