Platform for comparison of funds

Linton

The causes of the once in 100 years bond crash are (mainly?) over and bonds  are in a much better position now to protect against the far more likely equity crash than they have beeen for perhaps 20 years.

eskbanker

loveprada said:
Just wanted to compare a few that have been recommended against what my money was invested in to see if they're just doing the same thing.

On what criteria would you compare?

You can obviously look at historical performance figures for a past period of n years, but that will only help to put past performance in context, rather than meaningfully informing decisions about future investments, which need to be made according to what your investment strategy, objectives, risk tolerance, etc, are....

In other words, you could easily compare the performance of two funds over several years and conclude that the one with the higher return was the 'better' of the two, but that's hardly a useful exercise!

loveprada

dunstonh said:

loveprada said:

The reason I haven't done anything yet is because I was waiting for this other money to come through, also some of the recommendation seems to be all bonds which I'm nervous about given what happened recently

If you think the amounts that some fixed interest securities went down was bad (and potentially led to your complaint) then how are you going to react when equities go down?   They can go down by even more.

Everybody saw losses over the last 18 months and based on your complaint and lack of information, I would be on guard about providing any potential solutions as I am not sure you would be happy with any risk based investments.

I've already been there. My money was dumped into a falling market, I lost over £30k immediately. Two years on it is still down by about £25k 

loveprada

eskbanker said:

loveprada said:
Just wanted to compare a few that have been recommended against what my money was invested in to see if they're just doing the same thing.

On what criteria would you compare?

You can obviously look at historical performance figures for a past period of n years, but that will only help to put past performance in context, rather than meaningfully informing decisions about future investments, which need to be made according to what your investment strategy, objectives, risk tolerance, etc, are....

In other words, you could easily compare the performance of two funds over several years and conclude that the one with the higher return was the 'better' of the two, but that's hardly a useful exercise!

Basically my pension was split into 6 separate funds. What I was hoping to do is to list these 6 against anything that is recommended to me to see if they are more or less doing the same thing or if any are performing better. I just want to watch at this stage.

QrizB

loveprada said:

I've already been there. My money was dumped into a falling market, I lost over £30k immediately. Two years on it is still down by about £25k 

Accoding to your previous threads you transfered in early 2021. Everyone lost money then. That was nothing to do with your funds or your (I)FA.

Most people are back in the black by now. If you aren't, *that* might be due to something that you or your (I)FA did. Possibly, it's because you saw the fall, switched to lower-risk assets near the bottom of the market and baked the loss in.

dunstonh

I've already been there. My money was dumped into a falling market, I lost over £30k immediately. Two years on it is still down by about £25k 

Two years is nothing.   At the start of the millenium there were three negative years in a row with bigger losses with equities.   It just about recovered by 2008 when an even bigger loss period occurred with the credit crunch.   indeed, if you had invested on the 1st January 2000, you would still be lower 10 years later on the 31st Dec 2009

It may help if you posted the funds you were in.  At least that way we can get an idea of what you feel wasn't right for you and eliminate those.

loveprada

QrizB said:

loveprada said:

I've already been there. My money was dumped into a falling market, I lost over £30k immediately. Two years on it is still down by about £25k 

Accoding to your previous threads you transfered in early 2021. Everyone lost money then. That was nothing to do with your funds or your (I)FA.

Most people are back in the black by now. If you aren't, *that* might be due to something that you or your (I)FA did. Possibly, it's because you saw the fall, switched to lower-risk assets near the bottom of the market and baked the loss in.

I haven't switched anything. It did go up a bit to the extent that my loss was £23k but now I believe it is falling again.
The funds are:
Jupiter Merlin Conservative Select I Acc 21%
Royal London Sustainable Managed Growth Trust C Acc 21%
Royal London Sustainable Diversified Trust C Acc 16%
Baillie Gifford Managed B Acc 15%
Liontrust Sustainable Future Defensive Managed 2 Net Inc 14%
MI Chelverton UK Equity Growth B Acc 13%

Not even one of them has performed well or caught up to being in the black yet.

Bostonerimus1

I mostly invest in index tracker funds and those are pretty similar which ever one you buy. So it's very easy to develop a great portfolio without ever having to compare funds - presumably much to the annoyance of active fund managers and large parts of the financial press and industry.

shortseller09

Beddie said:

Yet bond funds are up about 10% over the past 12 months, so it would seem they are "back to normal." 

Where do you get this information?
Most hedged global bond funds are in a range between -3 and +3%, mainly around breakeven.

coastline

shortseller09 said:

Beddie said:

Yet bond funds are up about 10% over the past 12 months, so it would seem they are "back to normal." 

Where do you get this information?
Most hedged global bond funds are in a range between -3 and +3%, mainly around breakeven.

UK gilt etf VGOV is down over a year..

Vanguard UK Gilt UCITS ETF, UK:VGOV Advanced Chart - (LON) UK:VGOV, Vanguard UK Gilt UCITS ETF Stock Price - BigCharts.com (marketwatch.com)

Since the pandemic heavily down and probably part of the reason why the OP'S funds are down..

Vanguard UK Gilt UCITS ETF, UK:VGOV Advanced Chart - (LON) UK:VGOV, Vanguard UK Gilt UCITS ETF Stock Price - BigCharts.com (marketwatch.com)

All the gains apart from income wiped out since launch in 2012.

Vanguard UK Gilt UCITS ETF, UK:VGOV Advanced Chart - (LON) UK:VGOV, Vanguard UK Gilt UCITS ETF Stock Price - BigCharts.com (marketwatch.com)