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

chockydavid1983

What funds are you invested in?
If they are properly diversified and are in it for the long term, then the trend is for investments to rise faster than inflation.
You shouldn't be investing money you will need access to in the short term.

diystarter7

Always a difficult one, IE where is the bottom.

Consider drip-feed new money?

I don't invest as  you could have 20k when you go to bed, 10k when you wake up and 5k when you take your money out then a few days later it climbs and within a few months its above the 20k.

It's a gamble but listen to the advisor IMO

dunstonh

I don't invest as  you could have 20k when you go to bed, 10k when you wake up and 5k when you take your money out then a few days later it climbs and within a few months its above the 20k.

What would you be investing in to get those sorts of losses?  Certainly nothing in the mainstream.

masonic

diystarter7 said:
I don't invest as  you could have 20k when you go to bed, 10k when you wake up and 5k when you take your money out then a few days later it climbs and within a few months its above the 20k.

The likelihood of such a black swan event where a balanced investment portfolio such as the one the OP would have been put in by an adviser is, frankly, so improbable, that it would only be fair to consider similarly unlikely events when equating it to a gamble. Such as hyperinflation.

I'm not aware of any precedent where a balanced mainstream portfolio has lost 75% of its value over a few days, but at various times and in various parts of the world, cash has lost this much and sometimes even more of its value in such a sort space of time. The OP is perhaps even more likely to wake up one morning and find he needs £8000 per month to live on where he'd been used to only spending £2000 the prior month. Though more likely than such an amount being wiped off his investments, that would still be so unlikely as to be ignored as a rational consideration, and certainly not evidence that money in the bank is money being gambled.

Beddie

Grenage said:

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.

Similar to you - I didn't follow my gut either, when the warning signs were all there to see! Not just USA growth, bonds as well. I really should trust my instinct more in future.

missymouse

Ooh if you did take the money out then what do you do with it instead?

steampowered

Spice52 said:

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

If you had been invested in a stock market tracker, that won't be the case.

The S&P 500 stock market is where it was in February 2021. Above where it was in 2016, 2017, 2018, 2019, 2020 ....

So - even if a "huge amount of funds" have disappeared - you have only lost what you gained in the last year. Which would be much more than you put in. 

Of course I do not know what you invested in. What had you invested in and how much is your drop?

Woolsery

Ciprico said:

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" 

Inaccurate quote, but otherwise as expected. I realise it would be beneath you to engage meaningfully. Nice of you to double post my thoughts on this, unwelcome though they were.

masonic

Woolsery said:

Ciprico said:

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" 

Inaccurate quote, but otherwise as expected. I realise it would be beneath you to engage meaningfully. Nice of you to double post my thoughts on this, unwelcome though they were.

You'll find some kindred spirits (at least one) over here: https://forums.moneysavingexpert.com/discussion/6275320/economy-crash-stock-market-crash

Woolsery

missymouse said:

Ooh if you did take the money out then what do you do with it instead?

Depends how much it is. Buying in advance of the need for building materials has worked well for me so far, but I didn't fund that from investments and it wouldn't be appropriate generally.

I've also bought into some precious metals. It won't make me a fortune or pay dividends, but it's a hedge against other investments doing badly.

With a larger sum I'd personally buy more farm land. It didn't seem to suffer the same falls as other property in 2008/9, and in my area it's been a good investment in recent times. There's a very well known person in the US who has become the largest individual  investor in farm land over the past few  years, just when the Western world needs to produce much more grain. An interesting coincidence there.