Funds for a stockmarket downturn/crash

JohnWinder

Did you follow the link on p3 of this thread, to see some commentary on CGT?

Its seemed to be more expensive, lower returning, and more volatile than a comparable life strategy tracker-type blended fund. Perhaps you could indicate why you think it's a good choice for you when there seems to be a readily available alternative. It's not terrible to my mind, but why bother when you already have balanced multi-asset funds?

kuratowski

Albermarle said:

I would be interested is anybody can elaborate on the difference between Wisdom Tree and I shares Gold ETF's ?

See this thread from last year:
Investing in Gold — MoneySavingExpert Forum
I don't imagine that a lot of people are going to be too bothered about the difference.

Prism

JohnWinder said:

Did you follow the link on p3 of this thread, to see some commentary on CGT?

Its seemed to be more expensive, lower returning, and more volatile than a comparable life strategy tracker-type blended fund. Perhaps you could indicate why you think it's a good choice for you when there seems to be a readily available alternative. It's not terrible to my mind, but why bother when you already have balanced multi-asset funds?

Has there been any comparision to a multi-asset fund during time periods like 2000-2003 or 2007 to 2009? I don't know of any current examples that were around in those time frames.

[Deleted User]

I happened to have just purchased a couple of grand in gold and some hundreds in silver. So about 3k in total. A small bucket of my total savings but I think it is worth having some gold. I may buy some more next year and once a year top it up until I have about 10k worth. It will be stored and I will keep it forever or at least until I am very old. Only to be used in emergency. 

Shocking_Blue

JohnWinder said:

Did you follow the link on p3 of this thread, to see some commentary on CGT?

Its seemed to be more expensive, lower returning, and more volatile than a comparable life strategy tracker-type blended fund. Perhaps you could indicate why you think it's a good choice for you when there seems to be a readily available alternative. It's not terrible to my mind, but why bother when you already have balanced multi-asset funds?

Thanks. 

Yep, did read the thread.

In terms of comparison with other WP funds used comparative data like this.

https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.thisismoney.co.uk/money/news/article-7489303/amp/Want-investments-ready-time-Defensive-Dozen.html&ved=2ahUKEwi8s5-mlMfyAhVWhVwKHREzDdUQFnoECBQQAQ&usg=AOvVaw14r2fiyArflOgchYDC_GZr&ampcf=1

It was primarily performance during market slumps that I was interested in.

In terms of comparison with balanced funds, it seems that performance hasn't been a million miles away from funds like vls60, particularly in the last couple of years, but again the falls with vls60 do not seem to have been seen with CGT.

Thanks.

Post newbie 

Albermarle

In terms of comparison with balanced funds, it seems that performance hasn't been a million miles away from funds like vls60, particularly in the last couple of years, but again the falls with vls60 do not seem to have been seen with CGT.

I think a comparison with VLS 40 is better, as CGT typically holds around 40% equity , or less.. Today it is only 27%.

Albermarle

kuratowski said:

Albermarle said:

I would be interested is anybody can elaborate on the difference between Wisdom Tree and I shares Gold ETF's ?

See this thread from last year:
Investing in Gold — MoneySavingExpert Forum
I don't imagine that a lot of people are going to be too bothered about the difference.

Thanks . Interesting to see the active gold flag wavers in that thread have gone quiet recently . Plus it reminded me that Bowlhead99 now seems to have disappeared for good, which is a shame.

older_and_no_wiser

CGT is designed as a wealth preservation fund. It's whole purpose is to shield money as best it can from big market dips. From what I've read on these forums, it seems to have done a very good job at that over the years - and it's been around for a while. Other similar funds may well do similar.

As with any active fund, no fund manager has the magic bullet and knows how the market will perform. However, this fund seems rather good at putting the breaks on at the right times. Other funds without this "preservation" mandate may just ride the dips out and stick with their fund pick which makes them more volatile.

Just my personal opinion from what I've read on it!

Sea_Shell

Who or what are CGT and are they available in a Fidelity ISA?

older_and_no_wiser

Sea_Shell said:

Who or what are CGT and are they available in a Fidelity ISA?

Capital Gearing Trust.. It's an investment trust fund and it's available from Fidelity from what I can see on their website.