Leave funds invested and watch it drop or take out and put into bank…??

TBC15

Stick with the program, stay invested.

This year so far has been disappointing; the rest of the year will probably be no better.

The future looks grim.

Stick with it.

Eyeful

Spice 52: Your post suggests you are are new to investing. I expect your FA has made the following points already.
 
1. With money there is always  going to be risk involved. Its just the size and type of risk that changes. This includes putting money into a bank or building society account. Doing so in the 1970's when the rate of inflation peaked at 25%, meant that that the £100 you put into the bank at the start of the year only was only worth £75 (in real terms) by the end of that year!

2. You should be investing for a minimum of 10 years. The longer the better. Over time the markets go up more often than they go down.

3. Studies show that that most investors jump into investing when the markets have risen strongly and all the news is good. Then when there is a market fall and the news is bad, they bail out of investing never to return. So they will indeed then make a permanent loss.This is buy high sell low, which is the opposite to what you should do.

I believe it was baron Rothschild that said "the best time to buy shares is when there is blood in the streets. Even when that blood is your own." 

4. You should never invest above your risk tolerance. If your investments cause to to worry all the time and loose sleep at night, then you are investing above your risk tolerance. Adjust your portfolio asset allocation to one that will allow you to sleep at night! 

enthusiasticsaver

You should not sell out when the market is low.  That crystallizes losses.  Our investments are down too so this year we are not taking our usual amount out and will just live within our pensions and savings. I am not sure what percentage drop your investments have seen but you may need to look at what you are invested  in. 

Alistair31

And so it begins. 

bostonerimus

Your adviser is right, assuming you have a sensible and diversified portfolio. But, frankly, if you haven't thought about what you will do during a market crash and don't feel comfortable taking what is probably good advice based on historical data and mathematical modeling, then you should not be investing in risky assets at all and might be better suited to savings accounts and their stable, but lower expected overall returns.

Grenage

Spice52 said:

Hello all

 I have funds invested in iSA’s and collective investment accounts.

 They have taken a massive hit, and the last month a huge amount of funds has disappeared.

 Heart breaking as it taken me 30 year to save what I have.

 I am considering taking the remaining out an just parking it in a bank account, at least then it wont drop by thousands

 I have spoken to my FA and he recommends I keep it in for the “bounce back” but my view is it could of dropped so much I never get back to where it was.

 But if I take out for a year or 2, keep the monies safe then re-invest when things pick up..??

 My FA say all the studies show you should stay in but its dropping so much daily it will take a considerable amount of time to get anywhere near what it was.

 Any views---thoughts…??

 Thanks lots

Given that exposure I have to growth companies in America, it is unlikely that your investments have done worse than mine this year.  I really should have trusted my gut and sold out when things got too heated last year.

I've seen 200% gains turn into 50% losses.

That said, I bought what I consider to be decent companies with an outlook of holding for 20+ years.  If you let emotion in then it's going to hurt a lot when these things happen.

Selling when things are down is a bad idea unless you can be sure they are going to drop further.  They might, they probably will, but nobody knows.

Listen to your IFA; you don't buy a dog and bark yourself.

Woolsery

Spice, you will only get conventional wisdom here.  My experience is that very little of a conventional nature has occurred for the past couple of years. When examined more closely, what most have seen as unfortunate coincidences have turned out to be well-organised obfuscation, allowing the already very rich and influential to take more from the rest of us and place themselves well for the future, more controlled world they wish to establish and lead.

You will be told next I'm a raving loony full of conspiracy theories, but the people I refer to have published their aims and objectives and have such confidence they talk about them openly at their yearly meetings. Their most vociferous spokesperson even boasts of their 'penetration' of most Western cabinets. Looking at the decisions taken in recent times I can believe that.

Western leaders' handling of the recent health 'crisis' was generally so lamentable it persuaded me we're not in conventional times and therefore conventional behaviour may not serve the individual best.

Looking ahead I can see a possibility China will move into Taiwan. Coupled with the inevitable defeat in Ukraine, this would be a dire situation for us, completely altering world trade and severing supply chains. There will be famine; Mr Biden in one of his lucid moments has told us that much, but things probably won't be that severe in the UK. We will just have more empty shelves, rolling power cuts and probably fuel rationing. That doesn't sound like a time of opportunity to me; at least not for the likes of most investors, though I'd expect the arms and pharmaceutical industries to continue prospering and the banks to find new business in relieving people of their unpaid mortgages and becoming landlords on a massive scale.

The eventual aim is a Centralised Digital Currency which has huge advantages for those who want to have people follow policies obediently. When the dollar finally collapes the stage will be set. Maybe then people will look back at our current leaders and ask themselves," How did such a bunch of characters ever get into those positions?" I think I know!

Anyway good luck with your decision. I've had to do similarly, though I'm reasonably diversified. It's a burger!

missymouse

So sorry OP

Its a horrible feeling and situation. Mine are down 12.5% but there is some really good advice on here

i must admit I’m reluctant to add anymore money till they’ve in a + figure but I know that is the wrong viewpoint🙂

MEM62

jaypers said:

I’m actually thinking of buying more stocks again soon. Market could keep going down but inevitably it will recover and go higher. A time of stocks going high is not the time to buy and them going low is not the time to sell unless the particular investment is in danger of being liquidated. 

Absolutely.  If I have any spare cash, I will usually invest it in my S&S ISA if the market takes a downturn. Did well out of that when it fell at the outset of COVID.   

Ciprico

Woolsery said:

Spice, you will only get conventional wisdom here.  My experience is that very little of a conventional nature has occurred for the past couple of years. When examined more closely, what most have seen as unfortunate coincidences have turned out to be well-organised obfuscation, allowing the already very rich and influential to take more from the rest of us and place themselves well for the future, more controlled world they wish to establish and lead.

You will be told next I'm a raving loony full of conspiracy theories, but the people I refer to have published their aims and objectives and have such confidence they talk about them openly at their yearly meetings. Their most vociferous spokesperson even boasts of their 'penetration' of most Western cabinets. Looking at the decisions taken in recent times I can believe that.

Western leaders' handling of the recent health 'crisis' was generally so lamentable it persuaded me we're not in conventional times and therefore conventional behaviour may not serve the individual best.

Looking ahead I can see a possibility China will move into Taiwan. Coupled with the inevitable defeat in Ukraine, this would be a dire situation for us, completely altering world trade and severing supply chains. There will be famine; Mr Biden in one of his lucid moments has told us that much, but things probably won't be that severe in the UK. We will just have more empty shelves, rolling power cuts and probably fuel rationing. That doesn't sound like a time of opportunity to me; at least not for the likes of most investors, though I'd expect the arms and pharmaceutical industries to continue prospering and the banks to find new business in relieving people of their unpaid mortgages and becoming landlords on a massive scale.

The eventual aim is a Centralised Digital Currency which has huge advantages for those who want to have people follow policies obediently. When the dollar finally collapes the stage will be set. Maybe then people will look back at our current leaders and ask themselves," How did such a bunch of characters ever get into those positions?" I think I know!

Anyway good luck with your decision. I've had to do similarly, though I'm reasonably diversified. It's a burger!

Woolsery said:

Spice, you will only get conventional wisdom here.  My experience is that very little of a conventional nature has occurred for the past couple of years. When examined more closely, what most have seen as unfortunate coincidences have turned out to be well-organised obfuscation, allowing the already very rich and influential to take more from the rest of us and place themselves well for the future, more controlled world they wish to establish and lead.

You will be told next I'm a raving loony full of conspiracy theories, but the people I refer to have published their aims and objectives and have such confidence they talk about them openly at their yearly meetings. Their most vociferous spokesperson even boasts of their 'penetration' of most Western cabinets. Looking at the decisions taken in recent times I can believe that.

Western leaders' handling of the recent health 'crisis' was generally so lamentable it persuaded me we're not in conventional times and therefore conventional behaviour may not serve the individual best.

Looking ahead I can see a possibility China will move into Taiwan. Coupled with the inevitable defeat in Ukraine, this would be a dire situation for us, completely altering world trade and severing supply chains. There will be famine; Mr Biden in one of his lucid moments has told us that much, but things probably won't be that severe in the UK. We will just have more empty shelves, rolling power cuts and probably fuel rationing. That doesn't sound like a time of opportunity to me; at least not for the likes of most investors, though I'd expect the arms and pharmaceutical industries to continue prospering and the banks to find new business in relieving people of their unpaid mortgages and becoming landlords on a massive scale.

The eventual aim is a Centralised Digital Currency which has huge advantages for those who want to have people follow policies obediently. When the dollar finally collapes the stage will be set. Maybe then people will look back at our current leaders and ask themselves," How did such a bunch of characters ever get into those positions?" I think I know!

Anyway good luck with your decision. I've had to do similarly, though I'm reasonably diversified. It's a burger!

I think most will agree with you that you are a "raving loony full of conspiracy theories"