Anyone else getting investment jitters?

giambitime

As each day goes by i check my ISA fearing the worst.

i am hoping to achieve growth, and am willing to leave the investment for 5-10 years.

I am still a student (22) - i have one full (£7000) isa and. this year i have so far used £2000 of my isa allowance which i will soon fill.

My isas are currently invested in the following funds:
Bailie Gifford High Yield Bond Fund
Fidelity South East Asia,
Gartmore emerging markets opputunities,
Invesco Peerpetual High Income Acc
and Neptune Russia and Greater Russia fund in equal parts.

It has lost around 8% of its value since last year and now i am worried it will plummet further. In times of market instability, is it best to dig my feet into the ground and wait for times to get better? also, should i wait until the market stabalises before adding more funds in?

Many thanks and have a great day.

chesky369

You really have to think about S & S ISAs as at least a ten-year stretch.

Bazn

plummet is a bit of an overstatement... 8% is not much on the grand scale of things with equities. the ftse lost more than half its value from 2000-2003. and emerging markets have been known to lose over 75% in downturns. but on the other hand there have been years where share prices have risen by 50-100% and more.

it is definitely a long term investment to iron out the shortterm ups and downs

dunstonh

What the hell are you doing investing in such a high risk spread if you cannot handle a small 8% drop? Your spread has got 60% drop potential in there, possibly more.

If you are concerned over 8% then you are really investing above your risk profile. Something that happened a lot in the tech stocks crash where cautious investors got carried away with high risk funds and lost a fortune.

All the funds you have got are good. But they have to match your risk profile and timescale.

TRUSt_NO_1_2

giambitime wrote: »

As each day goes by i check my ISA fearing the worst.

i am hoping to achieve growth, and am willing to leave the investment for 5-10 years.

Invesco Peerpetual High Income Acc
and Neptune Russia and Greater Russia fund in equal parts.

It has lost around 8% of its value since last year ....

Why wait 10 years
By that time the £ will be worthless as inflation is over 10% and is going up.

In a sentence….I WOULD SELL THE LOT….

Invesco Perpetual ,I know this one as some of my final salary with my ex-employer (which I am trying to transfer out of at a fair valuation) is in this fund

http://business.timesonline.co.uk/tol/business/money/funds/article3294102.ece
http://www.trustnet.com/life/funds/?fund=1130

My take on this one … no thanks

There are MANY funds teetering on the edge of bankruptcy. Get out of them all is my advice .... ASAP.Two have already gone belly up in the UK recently.

I'm 100% into Silver and Gold mining stocks (with an emphasis on silver right now) on the Canadian TSX.All eggs in one basket is maybe not the best strategy,but I would rather win big than watch my money being inflated away...and end up poor anyway.
Many of them, as of today, are still trading at absolute bargain prices.
Look at silver and gold price gains in the first 9 weeks of 2008 at www.kitco.com.

Many of the junior mid tier mining stocks have not caught up because the US government does not want investors bailing out of Wall Street on to the Canadian TSX and into other commodities markets, so are manipulating the market.
There are many mining stocks seriously under valued, that in the coming next 2 or 3 years will make gains well in excess of 100%.Some will go up 500%....some more. Of course there will be companies jumping on the bandwagon as happened with the Tech boom.
Don't listen to forums. Invest no more than 10% in any one company.
Look for junior mid tier companies either producing, or about to in the next year, in geo-politically safe countries.
look at :

http://www.resourcestockguide.com/comparison_table_page.php?p=1|1|3|0|0|33|0&dlc=1&tvs=200&nid=2636#


Once the general investing public start investing in gold and silver, the prices will sky rocket and mining stocks will go up multiples of the metals increases.

I would start now and beat the crowd. Go to http://financialsense.com/ and listen and learn.


My favourite stock just got battered down 10% on Thursday ( I won’t bore you with the detail). I’m still up on it and KNOW that this time next year it will be worth at least twice what it is today.

What assets do your funds specifically hold ?
I’ll guess you have no idea.

If I started a fund called “Super Yield Emerging Markets” …would you buy some ?
The pension industry in this country is about to go into meltdown as more and more funds get into serious trouble.

Go to http://www.jsmineset.com/ …because the UK is a carbon copy of the US delayed by a few months.


At least you have had the foresight to question what is going on.

purch

At least you have had the foresight to question what is going on

Foresight ??? :eek:

.........harry hindsight more like !!!

It's a bit late to be getting the jitters........about 6 months at least.

My isas are currently invested in the following funds:
Bailie Gifford High Yield Bond Fund
Fidelity South East Asia,
Gartmore emerging markets opputunities,
Invesco Peerpetual High Income Acc
and Neptune Russia and Greater Russia fund in equal parts.

I assume you had a reason to invest in this portfolio mix.

Do your reasons still stand ??

What has happened to the economies of S.E.Asia, Russia, the Emerging Markets to make you change your mind ??

What about High Yield Bonds.......what has changed since you made the investment ?

TRUSt_NO_1_2

purch wrote: »

Foresight ??? :eek:

.........harry hindsight more like !!!
....

What about High Yield Bonds.......what has changed since you made the investment ?

Hindsight then …at least giambitime is thinking about it today…which tomorrow will be
Foresight

The point I am making is that the funds actual investment (eg 500,000 shares in the South Sea Trading Company) are hidden from the investor.
If things are likely to go bump, even if any particular part of the fund investment has gone bankrupt, the investor in the fund will not know for days or weeks.
The fund manager will walk away with his massive bonuses earned to date in tact and only his pride dented.
It is the investor who will lose much or ALL of their money.
The basic principal of funds:
When times are good..fund manager makes fortunes, the investor gets the scraps
When times are bad,the investor loses.
…AND TIMES ARE GETTING VERY BAD…RIGHT NOW !! :


http://news.bbc.co.uk/1/hi/business/7195391.stm

http://www.independent.co.uk/news/business/news/investors-flood-out-of-commercial-property-funds-as-returns-drop-779216.html

http://www.ifaonline.co.uk/public/showPage.html?page=701695

As for high yield bonds…taking account of inflation at > 10% (not the government garbage statistics) what return would you get ?

Liz_the_Whizz

Key question - how is your cash situation? Do you need the money in the next 5-10 years?

If the answer is yes, put money into this year's and next year's cash ISAs instead - you can make 6% gain at present.

If the answer is no, hold tight but think about what dunstonh said on risk with the next chunks of money you put in.

There have been a lot of useful suggestions for funds in times of volatility, including such H-L favourites as Blackrock UK Absolute Alpha. Have a look at the Father of Two thread for more ideas.

http://forums.moneysavingexpert.com/showthread.html?t=754729

wombat42_2

TRUSt_NO_1 wrote: »

Why wait 10 years
By that time the £ will be worthless as inflation is over 10% and is going up.

In a sentence….I WOULD SELL THE LOT….

Invesco Perpetual ,I know this one as some of my final salary with my ex-employer (which I am trying to transfer out of at a fair valuation) is in this fund

http://business.timesonline.co.uk/tol/business/money/funds/article3294102.ece
http://www.trustnet.com/life/funds/?fund=1130

My take on this one … no thanks

There are MANY funds teetering on the edge of bankruptcy. Get out of them all is my advice .... ASAP.Two have already gone belly up in the UK recently.

I'm 100% into Silver and Gold mining stocks (with an emphasis on silver right now) on the Canadian TSX.All eggs in one basket is maybe not the best strategy,but I would rather win big than watch my money being inflated away...and end up poor anyway.
Many of them, as of today, are still trading at absolute bargain prices.
Look at silver and gold price gains in the first 9 weeks of 2008 at www.kitco.com.

Many of the junior mid tier mining stocks have not caught up because the US government does not want investors bailing out of Wall Street on to the Canadian TSX and into other commodities markets, so are manipulating the market.
There are many mining stocks seriously under valued, that in the coming next 2 or 3 years will make gains well in excess of 100%.Some will go up 500%....some more. Of course there will be companies jumping on the bandwagon as happened with the Tech boom.
Don't listen to forums. Invest no more than 10% in any one company.
Look for junior mid tier companies either producing, or about to in the next year, in geo-politically safe countries.
look at :

http://www.resourcestockguide.com/comparison_table_page.php?p=1|1|3|0|0|33|0&dlc=1&tvs=200&nid=2636#


Once the general investing public start investing in gold and silver, the prices will sky rocket and mining stocks will go up multiples of the metals increases.

I would start now and beat the crowd. Go to http://financialsense.com/ and listen and learn.


My favourite stock just got battered down 10% on Thursday ( I won’t bore you with the detail). I’m still up on it and KNOW that this time next year it will be worth at least twice what it is today.

What assets do your funds specifically hold ?
I’ll guess you have no idea.

If I started a fund called “Super Yield Emerging Markets” …would you buy some ?
The pension industry in this country is about to go into meltdown as more and more funds get into serious trouble.

Go to http://www.jsmineset.com/ …because the UK is a carbon copy of the US delayed by a few months.


At least you have had the foresight to question what is going on.

Are you tempted by agricultural commodities ?

hyposmurf

Im fairly new to the fund market.I'm investing for the long term 10years+.I have seen fluctuations in my funds,since buying them,with a 7% gain,7% loss etc.Most of my funds are quite volatile and this just confirms this.Im am now looking to add some less volatile funds.Even though Im investing for the long term and shouldnt need this cash invested for a while I like to monitor whats happening to my funds.I get a little excited to see my funds going up and then bit disheartened when they start to decline for a numbr of weeks,but I understand with the current financial climate my funds are likely go through many fluctuations over the coming year.Hopefully even if they dip alot further than the past 7%, investing for the long term they will start to increase again.Not only that but even though many funds are peforming less well this year,it gives you a valuabe buying opportunity to purchase funds at lower costs or top funds up.
This thread discusses members performance over the last 3months.
http://forums.moneysavingexpert.com/showthread.html?t=744465
I find that looking at H&L & Citywire websites to see how other funds are performing in the same sector as my own funds,& also how theyre performing in relation the sector index helps,gives me some indication if its just a problem related to my own fund/s.

TRUSt_NO_1_2

wombat42 wrote: »

Are you tempted by agricultural commodities ?

Most Definitely

Food is what everyone will always need...and it is becoming increasingly scarce as each year goes by.

I just don't know about the investment opportunities in 'food' as I have my head buried in research of the silver and gold mining stocks right now.
If food was mined,I'd probably be in there by now.

If you get any tips let me know and I'll have a look..thanks