Has anyone’s Stock and shares ISA done worse?
Discussion
BobToc said:
I think people underestimate how concentrated the FTSE is. As an aside, and my own allocation doesn’t reflect this, but I think the FTSE will outperform over the next couple of years for similar reasons.
Yes, 27% Tech in S&P 500 vs 1% in FTSE 100 for a start. The trouble is 10 or 15 years ago the advice everyone used to give was stick to the UK market, foreign is risky. Hippea said:
I put £5k and then £150 a month in Vanguard LS60 in November and that’s performed badly, currently I’m in minus. Only been in a very short time I know.
I’m in the same boat. Stuck £12,500 and £200 a month in LS40 in November. Currently 0.5% down having been 5% up then -8% at one point. Told myself I won’t check but check everyday just out of interest. zj2016 said:
Hippea said:
I put £5k and then £150 a month in Vanguard LS60 in November and that’s performed badly, currently I’m in minus. Only been in a very short time I know.
I’m in the same boat. Stuck £12,500 and £200 a month in LS40 in November. Currently 0.5% down having been 5% up then -8% at one point. Told myself I won’t check but check everyday just out of interest. b
hstewie said:
hstewie said:AnotherUsername said:
Various shares, no funds. Oilers and airlines...... Amgo is my new safe place that’s how bad things have been!
Perhaps the hint is there?Consider active or passive collective investments like funds or ETFs or ITs.
With a "dumb" global tracker you'd have has 14% p/a the last 5 years.
To the OP look at funds like Lindsell Train, and Fundsmith. Both great performers with sensible fund managers.
I opened a S&S ISA in December 2019 with £200 and then have paid in £50 a month since as an extra retirement pot that I can use if I need it.
The current value of it is £120 more than I’ve paid in, which is far better than I had expected it would be nice to think it stays that successful but I doubt it will.
The current value of it is £120 more than I’ve paid in, which is far better than I had expected it would be nice to think it stays that successful but I doubt it will.
Chrishum said:
I opened a S&S ISA in December 2019 with £200 and then have paid in £50 a month since as an extra retirement pot that I can use if I need it.
The current value of it is £120 more than I’ve paid in, which is far better than I had expected it would be nice to think it stays that successful but I doubt it will.
That really shows the benefit of drip feeding in funds. Your £50 March April and May would have averaged you down a lot. The current value of it is £120 more than I’ve paid in, which is far better than I had expected it would be nice to think it stays that successful but I doubt it will.
I have individual holdings in FTSE oilers and financials. Anywhere from -3% to -33% from when they were bed&ISA’d in late 2018.
Thankfully the funds also bought at the same time are +3% to +33% and there’s more invested in them.
If you are oilers and airlines, it’s going to be bleak at the moment, even more so on airlines as of this morning’s trade.
Thankfully the funds also bought at the same time are +3% to +33% and there’s more invested in them.
If you are oilers and airlines, it’s going to be bleak at the moment, even more so on airlines as of this morning’s trade.
Opened a S&S ISA about 2.5 years ago (Aug '18). First 2 years it's been consistently down by as much as 10%, not helped by some exposure to Woodford.
Last 6 months has seen a small return. Presently 7.5% up on what I've put in over the 2.5 years, which I reckon just outperforms inflation. That's net of fees as I'm in active funds ('recommended' by HL as a balanced funds investment).
I have most of this years allowance to add to my account and last year's is still sitting as cash in my ISA while I procrastinate. Feel a bit burned from being in the red for 2 years and need to figure some passive funds to invest.
Last 6 months has seen a small return. Presently 7.5% up on what I've put in over the 2.5 years, which I reckon just outperforms inflation. That's net of fees as I'm in active funds ('recommended' by HL as a balanced funds investment).
I have most of this years allowance to add to my account and last year's is still sitting as cash in my ISA while I procrastinate. Feel a bit burned from being in the red for 2 years and need to figure some passive funds to invest.
Chrishum said:
I opened a S&S ISA in December 2019 with £200 and then have paid in £50 a month since as an extra retirement pot that I can use if I need it.
The current value of it is £120 more than I’ve paid in, which is far better than I had expected it would be nice to think it stays that successful but I doubt it will.
Would you mind sharing who this is held with? I’m looking to open my first S&S ISA and would be a similar profile. I don’t want to be paying a lot in fees when only adding small amounts at a time.The current value of it is £120 more than I’ve paid in, which is far better than I had expected it would be nice to think it stays that successful but I doubt it will.
AdamC28 said:
Would you mind sharing who this is held with? I’m looking to open my first S&S ISA and would be a similar profile. I don’t want to be paying a lot in fees when only adding small amounts at a time.
I opened it via my bank, nationwide. It’s with Aegon, I’ve got my money split 80 - 20 between the L&G Global Equity index C fund (the best performer) & Aegon multi asset 4.
The fees aren’t huge but I didn’t pay attention for a while and got stung by having some of my holdings sold to cover them. Only pennies but I’d rather keep them. So now I’ve worked out how to pay the fees by holding a tiny bit of cash in there.
AdamC28 said:
Would you mind sharing who this is held with? I’m looking to open my first S&S ISA and would be a similar profile. I don’t want to be paying a lot in fees when only adding small amounts at a time.
Have a look at https://monevator.com/compare-uk-cheapest-online-b... you probably want to look in the percentage fees section.An old thread I now (may well be newer - couldn't find one)
I took some financial advice last year, at cost, and I now have lost 5.5% (inc fees) on the investment over the last 12 months
Spoke to the FA this morning: - your ISAs are doing great!
ffs - I know it's been a ste year, but really? The FA is ploughing the old 'we are all in the same boat' line but i'm not buying that (yet)
Looking at the portfolio (hate that word) he's offered no advice/moved anything in the last 12 months
Any advice from the PH masses please? Medium risk was the request
TIA
I took some financial advice last year, at cost, and I now have lost 5.5% (inc fees) on the investment over the last 12 months
Spoke to the FA this morning: - your ISAs are doing great!
ffs - I know it's been a s
te year, but really? The FA is ploughing the old 'we are all in the same boat' line but i'm not buying that (yet)Looking at the portfolio (hate that word) he's offered no advice/moved anything in the last 12 months
Any advice from the PH masses please? Medium risk was the request
TIA
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