It's time to start digging up those Squirrelled Nuts!!!!

Audaxer

mat1964 said:

Audaxer said:

Sea_Shell said:

Audaxer said:

Sea_Shell said:

End of month figures, down £17,200 from end March 22.

Annual, down £9,700 from end April 21

Pot still at £606,000.

I'm down around 5% for year to date, mainly down to bond funds and my multi asset funds that contain bonds. While I'm confident equity losses will recover, I'm not so sure about the bonds recovering if interest rates keep rising?

Albermarle said:

Audaxer said:

Sea_Shell said:

End of month figures, down £17,200 from end March 22.

Annual, down £9,700 from end April 21

Pot still at £606,000.

I'm down around 5% for year to date, mainly down to bond funds and my multi asset funds that contain bonds. While I'm confident equity losses will recover, I'm not so sure about the bonds recovering if interest rates keep rising?

I am down 4% ytd , although the market drops on Friday may knock a bit more down . Pretty much the same values as 12 months ago . Glad I sold some ( not all ) bonds, and bought some more Wealth Preservation IT's, some new infrastructure funds and bought a precious metals fund at a low point . 
A BG UK growth trust and an emerging markets trust have dragged values down though.
Swings and roundabouts...........

Do you both mean ytd as being April 21 to April 22, or do you mean calendar ytd, just since end 2021?

I'm only down 1.57% April-April (but actually up 1.33% pre spends of £17,900)
Or If only since end Dec 21, I'm down 7.75% (or 7% pre spends of £4,300)

By Year-To-Date, I mean the 4 months from the start of this year, the exact percentage being -4.77% through the XIRR calculation in Excel.

My only funds that are in positive figures for Year-To-Date are my equity income funds and ITs. These have reduced my losses over the past 4 months after having disappointing returns in the previous couple of years. One of my worse performers this year is "low-risk" VLS40 which is down -8.58% Year-To-Date. 

Yup similar.  Vanguard target retirement 2020 which is similar to VLS 40 is my worst performer. Only ones positive are a couple of wealth preservation ITs.  

The main thing that concerns me about VLS40 is that as the bond values drop, more bonds will be automatically bought within the fund by equity sales to keep 60% of bonds in the fund. That is okay if bonds eventually recover their losses, but not too sure they will. I'm not sure if the Vanguard Target Retirement fund works the same way. 

Thrugelmir

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

Sea_Shell

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

Thrugelmir

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

No reason why it won't fall further though depending on where the money is invested. 

Sea_Shell

Thrugelmir said:

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

No reason why it won't fall further though depending on where the money is invested. 

Maybe, maybe not!! 😉

Cost price £112k
Current value £137k

Better to have loved and lost, than to have never loved?

Audaxer

Thrugelmir said:

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

No reason why it won't fall further though depending on where the money is invested. 

@Thrugelmir, as I'm sure you know, most good growth funds have fallen lot in value recently, so not sure why you are raising concerns about an 18% fall in this fund from it's November high? I don't hold it myself, but Rathbones Global Opportunities looks to me to have a perfectly good record, with 10 years annualised returns of 14.38% despite the recent fall in value. 

Thrugelmir

Audaxer said:

Thrugelmir said:

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

No reason why it won't fall further though depending on where the money is invested. 

@Thrugelmir, as I'm sure you know, most good growth funds have fallen lot in value recently, so not sure why you are raising concerns about an 18% fall in this fund from it's November high? I don't hold it myself, but Rathbones Global Opportunities looks to me to have a perfectly good record, with 10 years annualised returns of 14.38% despite the recent fall in value. 

Personally I don't invest on the basis of past performance. The investment manager concerned has to sell me a convincing story that I can research further. Understanding the past however can make you a better all rounded investor. As often there are underlying causes that create the conditions for which stocks perform better, or worse for that matter.  Neil Woodford, Cathie Woods, BG  have all had their golden moments. Repeating them consistantly though is an uphill challenge. Era's come and go. No investment strategy can last forever. 

GazzaBloom

Thrugelmir said:

Audaxer said:

Thrugelmir said:

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

No reason why it won't fall further though depending on where the money is invested. 

@Thrugelmir, as I'm sure you know, most good growth funds have fallen lot in value recently, so not sure why you are raising concerns about an 18% fall in this fund from it's November high? I don't hold it myself, but Rathbones Global Opportunities looks to me to have a perfectly good record, with 10 years annualised returns of 14.38% despite the recent fall in value. 

Personally I don't invest on the basis of past performance. The investment manager concerned has to sell me a convincing story that I can research further. Understanding the past however can make you a better all rounded investor. As often there are underlying causes that create the conditions for which stocks perform better, or worse for that matter.  Neil Woodford, Cathie Woods, BG  have all had their golden moments. Repeating them consistantly though is an uphill challenge. Era's come and go. No investment strategy can last forever. 

Pretty much all markets are down in all areas, except the FTSE100 which is hardly setting the world alight. Against this backdrop it's tricky for fund managers to steer through and the passive longterm index fund investors are riding the down wave currently. It would be rash and foolish to change course amidst this and an 18% drop is simply a reflection of the market backdrop not necessarily the fund manager's choices.

There is one investment strategy that can last forever - buy and hold a diversified portfolio with low fees, through thick and through thin.

Thrugelmir

GazzaBloom said:

Thrugelmir said:

Audaxer said:

Thrugelmir said:

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

No reason why it won't fall further though depending on where the money is invested. 

@Thrugelmir, as I'm sure you know, most good growth funds have fallen lot in value recently, so not sure why you are raising concerns about an 18% fall in this fund from it's November high? I don't hold it myself, but Rathbones Global Opportunities looks to me to have a perfectly good record, with 10 years annualised returns of 14.38% despite the recent fall in value. 

Personally I don't invest on the basis of past performance. The investment manager concerned has to sell me a convincing story that I can research further. Understanding the past however can make you a better all rounded investor. As often there are underlying causes that create the conditions for which stocks perform better, or worse for that matter.  Neil Woodford, Cathie Woods, BG  have all had their golden moments. Repeating them consistantly though is an uphill challenge. Era's come and go. No investment strategy can last forever. 

Pretty much all markets are down in all areas, except the FTSE100 which is hardly setting the world alight. Against this backdrop it's tricky for fund managers to steer through and the passive longterm index fund investors are riding the down wave currently. It would be rash and foolish to change course amidst this and an 18% drop is simply a reflection of the market backdrop not necessarily the fund manager's choices.

There is one investment strategy that can last forever - buy and hold a diversified portfolio with low fees, through thick and through thin.

Having no wish to derail this thread off topic for the OP. I'll say no more as wasn't my intention with my original post. 

cfw1994

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

Thrugelmir said:

Sea_Shell said:

It appears to be our Rathbones ISA that's dragging our overall performance down.

It's down 18% from its high point in mid November 21.

But that's our "long term" investment, so not too worried about it.

Any investment that had fallen 18% in a short period of time would concern me. I'd certainly be questioning whether the reasons for buying the investment in the first place still remained valid, and whether better opportunities now lie elsewhere.  

To recover that lost 18%, your investment now needs to gain around 22% just to recover lost ground. Let alone show any growth. 

The loss looks bad in isolation, but is off the back of big rises last year...rather than a steady increase without the swings.

No reason why it won't fall further though depending on where the money is invested. 

Maybe, maybe not!! 😉

Cost price £112k
Current value £137k

Better to have loved and lost, than to have never loved?

Always!
The Thrug sounds like suggesting selling at the bottom.  Rarely the best advice for an investor!