Pension has tanked :(

SVaz

Op hasn’t mentioned 13% 🤷‍♀️

Albermarle

ha-pajama said:

Thank you both for your replies.  
I will google and look into 'top high yield funds' so thank you for that.   You are right that globally, there is so much going on sadly, with Wars etc.  But we seem to also be living through a period of time where a settled landscape for financial markets is rarer than crisis mode: i.e.. brexit to pandemic to War to perhaps recession.

I know this probably makes me sound quite stupid, but I thought by going for 2 Asian funds + and American I thought that was some diversification!?   I also have some money in Vanguard lfe 80% equity (just put in over the past few days) and Fundsmith equity.

As explained the BG fund is not just any old American fund but an actively managed high risk fund where the manager tries to pick winners. Sometimes it pays off and sometimes not .

To make a proper comparison.
BG American last 3 years minus 45%
S&P 500 tracker last 3 years plus 31%

Not trying to rub your nose in it, just pointing out that a US allocation is normally a good thing, it is the actual fund that is the problem.

Pat38493

Almost all active fund managers fail to beat the benchmark / market they are trying to beat over the long term.

Your chances as a DIY investor of picking the one fund manager who does that is almost zero.  Even professionals usually don't manage it.

Hence the recommendations above to use tracker funds - low charges and will beat most active funds over the long term. 

eskbanker

SVaz said:

Op hasn’t mentioned 13% 🤷‍♀️

Did you see this in OP?

ha-pajama said:

we've invested £105K into the pension/ISAs and it's current value is £91K

Somebody

Don’t forget that CGT will be due when you cash in the Crypto, and the CG tax-free exempt amount will be halved next tax year.

Cus

Pat38493 said:

Almost all active fund managers fail to beat the benchmark / market they are trying to beat over the long term.

Your chances as a DIY investor of picking the one fund manager who does that is almost zero.  Even professionals usually don't manage it.

Hence the recommendations above to use tracker funds - low charges and will beat most active funds over the long term. 

For accuracy, it's approx 7% that beat over long term for US, and for some regions (e.g. Australia) it's 20%. 

Pat38493

Cus said:

Pat38493 said:

Almost all active fund managers fail to beat the benchmark / market they are trying to beat over the long term.

Your chances as a DIY investor of picking the one fund manager who does that is almost zero.  Even professionals usually don't manage it.

Hence the recommendations above to use tracker funds - low charges and will beat most active funds over the long term. 

For accuracy, it's approx 7% that beat over long term for US, and for some regions (e.g. Australia) it's 20%. 

What is long term in that statement and do you have a link to read up on that?

Cus

Pat38493 said:

Cus said:

Pat38493 said:

Almost all active fund managers fail to beat the benchmark / market they are trying to beat over the long term.

Your chances as a DIY investor of picking the one fund manager who does that is almost zero.  Even professionals usually don't manage it.

Hence the recommendations above to use tracker funds - low charges and will beat most active funds over the long term. 

For accuracy, it's approx 7% that beat over long term for US, and for some regions (e.g. Australia) it's 20%. 

What is long term in that statement and do you have a link to read up on that?

The Spiva website. 15 years for US and Australia.

ha-pajama

thank you all for your responses.   really very much appriciated

Linton

Pat38493 said:

Almost all active fund managers fail to beat the benchmark / market they are trying to beat over the long term.

Your chances as a DIY investor of picking the one fund manager who does that is almost zero.  Even professionals usually don't manage it.

Hence the recommendations above to use tracker funds - low charges and will beat most active funds over the long term. 

Actually going back as far as I can with Trustnet, BG American has well outperformed the S&P500: 



Or isnt 20+ years long term enough?