Tracking Index fund investments on Trustnet

rolfknudsen

Good chance this is a very basic question, but looking at a funds performance on Trustnet for example over the last 5 years, is this as simple as looking at the Performance result after 5 years?



Or am I reading this wrong?

Thanks!

eskbanker

That snip shows that the selected fund grew by 86.3% over the past five years - not sure I'm understanding your question, but does that answer it?

george4064

Becareful with the settings, for example the chart could potentially be showing the Aviva fund with dividends re-invested (hence the Accumulation listed after the funds name) and the IA Global Equity Income without the effects of dividends.

rolfknudsen

Thank you both for your quick replies! @eskbanker you understood correctly.
It is a very basic question but I am back checking on my invested pension which I believe has hugely under performed and the discrepancy is huge so I need to check I am looking at things the right way.

To check, I have taken the index fund list with the percentage allocations, calculated the amount invested for each fund and applied their specific return percentage to each of them. My investments has run for 5 years.

the SIPP I am in states a 30% return over 5 years and I have calculated it should be have ben 125% so worry I have looked at things the wrong way, hence my question.

rolfknudsen

@george4064 Do I understand it correctly that you point out that I should make sure that I am looking at the correct fund? That some reinvest dividends and some dont?

Or is it that the 5y return is not the true number?

Linton

rolfknudsen said:

@george4064 Do I understand it correctly that you point out that I should make sure that I am looking at the correct fund? That some reinvest dividends and some dont?

Or is it that the 5y return is not the true number?

Look at the "Chart Basis" tab above the graph.  You can select with and without dividends re-invested.  In your case you want "with"

MX5huggy

In addition to the discussed differences between Accumulation funds (the Avivia one on the chart is, it’s called “Acc” which reinvest dividends) and the IA Global is not (I think). 

The performance of your investment would only match this if you had invested on 27/01/2020, that is one lump sum on that exact date. If you’ve invested monthly (common then the performance is wildly different) but even a few days difference can make a big difference. 

Aviva have not miscalculated the value of your pension. It’s good to review what it is invested in and understand its performance and risks. 

rolfknudsen

@george4064 Thanks!
@ MXShuggy Thanks. The Arivia fund is one of 10 funds I am in and it is this trueness of the overall performance of this I am worried about. Difficult to convey without showing you a table with numbers etc. The money went in as a lump sum on 20.12.2019, so all would have been available for this growth.

tacpot12

30% isn't great (5% per year compounded), but 125% (17% per year compounded) is exceptional and isn't a realistic benchmark to compare your fund's performance. 

eskbanker

rolfknudsen said:

I have calculated it should be have ben 125% so worry I have looked at things the wrong way, hence my question.

As above, you may well have got something wrong in order to come up with that figure, so feel free to show your workings in more detail?

jimjames

rolfknudsen said:

To check, I have taken the index fund list with the percentage allocations, calculated the amount invested for each fund and applied their specific return percentage to each of them. My investments has run for 5 years.

Just to point out that the chart you've shown doesn't include any index funds, are you comparing against the right items?