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Value of pension is freaking me out
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NannaH said:Our smallest pension pot, created in September with a £40k lump sum and intended to be used in 5 years time to fund an early retirement gap of approx 5 years @ £11k a year , consists of BG Global Alpha growth (30% of portfolio) - down 6.65% and
BG balanced managed (70% of portfolio) down 7.8%. So the ‘safer’ , balanced 60/40 fund has lost more than the 90% equity fund 🙄0 -
BritishInvestor said:daveharruk said:If you're invested in good quality, profitable, ideally growing companies that are not in a bubble, then you have nothing to worry about.0
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Interesting reading comments on how investments have dropped over the past month or so.
Ballpark but wondered how much roughly what % people think the low, medium and high risk have fallen, just to see how each is out on their own.0 -
GSP said:Interesting reading comments on how investments have dropped over the past month or so.
Ballpark but wondered how much roughly what % people think the low, medium and high risk have fallen, just to see how each is out on their own.
Of course, there are some that juggle chainsaws for breakfast and are down more, but if you look at the falls that even a 60/40 portfolio has historically suffered, you have to wonder if they fully appreciate the risks.0 -
daveharruk said:BritishInvestor said:daveharruk said:If you're invested in good quality, profitable, ideally growing companies that are not in a bubble, then you have nothing to worry about.0
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Might there also be some degradation in value for some of the funds due to gbpusd rate over the last month or so? In fairness that's not going to make much of a difference. My LS40 and LS60 funds have eased in value with the LS40 fairing a little worse but nothing to keep up at night for as it's less than 1%. I bought about c.£25k individual UK shares back in Sep/ October; GSK, RR, L&G, BAE, BP, Close Bros., collectively they have mostly moved in the opposite direction, despite mostly being bought for dividends, in the same period but then LS funds I have aren't really weighted to UK and the bond side likely acting as a drag.
Cornerstone to my investment strategy is the LS funds given I don't need to do anything except periodically look at their value.0 -
VLS60 was down 1.46%, and HSBC Global Strategy Balanced was down 2.10% Year to Date, when I checked at the weekend. I therefore don't think that there is much to be concerned about at this time if you have a medium risk portfolio.1
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BritishInvestor said:GSP said:Interesting reading comments on how investments have dropped over the past month or so.
Ballpark but wondered how much roughly what % people think the low, medium and high risk have fallen, just to see how each is out on their own.
Of course, there are some that juggle chainsaws for breakfast and are down more, but if you look at the falls that even a 60/40 portfolio has historically suffered, you have to wonder if they fully appreciate the risks.
Overall Total - ?%.
Of which:
Low Risk - ?%.
Medium Risk - ?%.
High Risk - ?%.0 -
I guess that depends on how you quantify risk. My 100% equity portfolio, which could reasonably be considered "high risk" is down 2.6% YTD. All 100% equity portfolios are not equal though and mine isn't over-weighted with unprofitable tech companies.
Good video, at least for noobs like me, here...
The Great Stock Rotation - YouTube
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Interesting thread...
My pension increased by 10.5% between Jan 21 and Dec 21. But the pot decreased by 2.5% between Dec 21 and Jan 22 (to date).
As other said, just a fluctuation, and best no checking too regular as it causes unnecessary worry. I have logged the value at Dec 21, and will log it again in 6 months, this hopefully will give me an insight into performance and overcome any short term fluctuations.1
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