Value of pension is freaking me out

OldMusicGuy

My SIPP portfolio (which is designed to be low volatility) was down 1.6% from its peak in late December. So doing as it should. It also grew more than I had planned for in 2021.

The PensionCraft video mentioned above is a really helpful watch.

GSP

DoublePolaroid said:

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

Thanks DP.
How has it done over the past month?

GSP

OldMusicGuy said:

My SIPP portfolio (which is designed to be low volatility) was down 1.6% from its peak in late December. So doing as it should. It also grew more than I had planned for in 2021.

The PensionCraft video mentioned above is a really helpful watch.

Thanks OMG.
So say a rounded 2% for low risk. Need to find how the medium risk and high risk gave done over the last month or so.

eskbanker

GSP said:

OldMusicGuy said:

My SIPP portfolio (which is designed to be low volatility) was down 1.6% from its peak in late December. So doing as it should. It also grew more than I had planned for in 2021.

The PensionCraft video mentioned above is a really helpful watch.

Thanks OMG.
So say a rounded 2% for low risk. Need to find how the medium risk and high risk gave done over the last month or so.

It's impossible to generalise, given that within each of those massive buckets there'll be substantial variances, but if you take a typical global multi-asset fund of funds such as HSBC's Global Strategy, then the one-month performance ranges from -2.0% to -2.6% across the product variants (in the order expected).  However, Vanguard's LifeStrategy performance, with its higher UK content, has returned -0.8% to -2.2% in the opposite order, i.e. the highest risk has dropped the least....

Audaxer

GSP said:

OldMusicGuy said:

My SIPP portfolio (which is designed to be low volatility) was down 1.6% from its peak in late December. So doing as it should. It also grew more than I had planned for in 2021.

The PensionCraft video mentioned above is a really helpful watch.

Thanks OMG.
So say a rounded 2% for low risk. Need to find how the medium risk and high risk gave done over the last month or so.

I'd think most low risk portfolios would have fallen less than 2% so far this year. My overall portfolio is medium risk with about 60% equities and is down 1.44% year to date. However I don't think you can really judge how volatile a portfolio is going to be based on the performance over only 2 weeks.

daveharruk

BritishInvestor said:

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. 

Do you have any examples, as most of the "quality" shares tend to be on lumpy valuations at present?

Right now, I think Facebook is relatively cheap; Microsoft and Apple don't appear to be in a bubble.

What PE ratios are you seeing for them?

This is a good article on Facebook:
https://seekingalpha.com/article/4478693-meta-platforms-fb-undervalued-multiple-growth-drivers-buy-now
Both Microsoft and Apple have solid future earnings growth which justifies their current PE ratios of around 30-35 (so not in a bubble).

Cus

GSP said:

OldMusicGuy said:

My SIPP portfolio (which is designed to be low volatility) was down 1.6% from its peak in late December. So doing as it should. It also grew more than I had planned for in 2021.

The PensionCraft video mentioned above is a really helpful watch.

Thanks OMG.
So say a rounded 2% for low risk. Need to find how the medium risk and high risk gave done over the last month or so.

My aggressive portfolio is down 3.2% this year.

dunstonh

Cus said:

GSP said:

OldMusicGuy said:

My SIPP portfolio (which is designed to be low volatility) was down 1.6% from its peak in late December. So doing as it should. It also grew more than I had planned for in 2021.

The PensionCraft video mentioned above is a really helpful watch.

Thanks OMG.
So say a rounded 2% for low risk. Need to find how the medium risk and high risk gave done over the last month or so.

My aggressive portfolio is down 3.2% this year.

Aggressive is in the eyes of the beholder.  One persons aggressive is another persons medium risk     

Aggressive portfolios generically would be 100% equities with a high ratio of emerging markets, smaller companies, maybe some niche areas etc.   And those are seeing 10% drop levels from peak to trough (which doesn't tie in by calendar month or YTD). 

So, maybe yours is not as aggressive as you think. Or you have done very well with your selection for this short term period.  

michaels

Global tracker down 4.4% from peak on 9th December, portfolio down 3% due to planned damping impact of cash proportion (this of course also has exactly the same damping impact in a rising market).

Need to add inflation impact (say 0.7%) to reduction of portfolio value in real terms over the 5 weeks.

Cus

dunstonh said:

Cus said:

GSP said:

OldMusicGuy said:

My SIPP portfolio (which is designed to be low volatility) was down 1.6% from its peak in late December. So doing as it should. It also grew more than I had planned for in 2021.

The PensionCraft video mentioned above is a really helpful watch.

Thanks OMG.
So say a rounded 2% for low risk. Need to find how the medium risk and high risk gave done over the last month or so.

My aggressive portfolio is down 3.2% this year.

Aggressive is in the eyes of the beholder.  One persons aggressive is another persons medium risk     

Aggressive portfolios generically would be 100% equities with a high ratio of emerging markets, smaller companies, maybe some niche areas etc.   And those are seeing 10% drop levels from peak to trough (which doesn't tie in by calendar month or YTD). 

So, maybe yours is not as aggressive as you think. Or you have done very well with your selection for this short term period.  

I meant aggressive as in AFI aggressive, 80/20 split with growth assets a big part.