Investments over the last 2 years

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  • Hoenir
    Hoenir Posts: 1,918 Forumite
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    Kaizen917 said:

    I am being generic saying that but the likely culprit for your 50k investment was the same that caused my workplace pension to kinda stagnate over the last 2 years - bonds taking a bit of a hit (only reason it didnt go down was because I switched to more equity about a year ago).
    Equities carry far greater risk and exposure to volatility than bonds. Government bonds in general and the manner in which they are priced on a daily basis is generally poorly understood. Individual gilts unlike equities have a guaranteed return and ultimately will recover in value as their maturity date progressively approaches. 
  • Albermarle
    Albermarle Posts: 21,919 Forumite
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    Kaizen917 said:
    "High risk" comes from the theoretical volatility that an investment can have (whether up or down) but it doesnt imply that this has a higher chance of being down compared to a "medium" oriented portfolio.

    I am being generic saying that but the likely culprit for your 50k investment was the same that caused my workplace pension to kinda stagnate over the last 2 years - bonds taking a bit of a hit (only reason it didnt go down was because I switched to more equity about a year ago).
    You are right when it comes to taking about most mainstream diversified investment funds.
    However I think 'real risk', rather than just volatility does come into play if you are investing in individual shares or very exotic sectors, unregulated investments etc 
  • MACKEM99
    MACKEM99 Posts: 901 Forumite
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    Sorry can't see where to start a thread but want to ask a question.  What does the shell shares buyback mean for a UK shareholder ..if anything?
  • jimjames
    jimjames Posts: 17,578 Forumite
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    MACKEM99 said:
    Sorry can't see where to start a thread but want to ask a question.  What does the shell shares buyback mean for a UK shareholder ..if anything?
    At the top of the page there is a big red + Create New button. Use that and you'll be able to add your own question
    Remember the saying: if it looks too good to be true it almost certainly is.
  • ColdIron
    ColdIron Posts: 8,982 Forumite
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    Big red + at the bottom on a mobile :)
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