Would you be miffed with a 6% return?

[gareth h]

I’m reviewing investments for the year, everything is in funds, nothing too risky, slightly high side of medium from memory.
Performance for the year is circa 6%, all I’m reading suggests a really strong year FTSE100, S&P500 etc.
Should I be having a moan to my FA (he seems reluctant to advise on changing between funds)?

[Steve H]

Yes. 6% and I bet your IFA wants 1% of your entire pot for that lacklustre performance .

I’ve been doing the same maths this morning and my main funds have done about 17% this year. A GBP investment in the S&P 500 would have done over 10%.

[guyvert1]

Dont forget inflation @ 3% ish...

[bennno]

Steve H said:

Yes. 6% and I bet your IFA wants 1% of your entire pot for that lacklustre performance .

I ve been doing the same maths this morning and my main funds have done about 17% this year. A GBP investment in the S&P 500 would have done over 10%.

So 5% net as a return?

[Steve H]

bennno said:

Steve H said:

Yes. 6% and I bet your IFA wants 1% of your entire pot for that lacklustre performance .

I ve been doing the same maths this morning and my main funds have done about 17% this year. A GBP investment in the S&P 500 would have done over 10%.

So 5% net as a return?

Possibly. But at 5 or 6 it’s not enough.

[butchstewie]

Not enough info.

It doesn't sound like the return from the "slightly high side of medium" but it might be entirely in line with what you're investing in.

[RSTurboPaul]

Got (physical, in your possession) metal?

[DeuceDeuce]

gareth h said:

I m reviewing investments for the year, everything is in funds, nothing too risky, slightly high side of medium from memory.
Performance for the year is circa 6%, all I m reading suggests a really strong year FTSE100, S&P500 etc.
Should I be having a moan to my FA (he seems reluctant to advise on changing between funds)?

It would take some very bad luck to pick a selection of ‘slightly high side of medium’ risk funds that averaged 6% in 2025. An achievement in itself. Are you sure that’s right?

[Puzzles]

Medium high and 6% yeah I wouldn’t be too happy.

[alscar]

Assuming 6% nett or maybe only 5% post charges (?) and without knowing any more about your fund composition and bond percentages , yes I would be miffed.
I’d also be miffed at my Advisors reluctance to move funds if that’s what you want.

[Panamax]

Steve H said:

my main funds have done about 17% this year.

Splendid. It would be interesting to see the portfolio.

[ooid]

Is that inflation adjusted or nominal? If inflation not included, that's pretty crap, total zombie return (For 2025 at least)

[Steve H]

Panamax said:

Steve H said:

my main funds have done about 17% this year.

Splendid. It would be interesting to see the portfolio.

A mix of portfolios from IM, now Cobens.

Their managed fund did about 13.5% by my maths but I had money in some of their other offerings as well which pulled it up a bit. My comfort level with risk is probably above average.

[Cats_pyjamas]

Just looked at my son's ISA. VLS 100. Opened in March, no further payments. Up 17%. I wouldn't be paying a financial adviser for 6% returns.

Bin them off and take control.

[Crumpet]

For the three main funds that I hold they’ve all done between 12-14%. They’re all 4/7 or 5/7 on the risk scale.

I’d be more than ok with 6% in the long-term but this has been a good year so sees on the low side. Next year could very easily be -14%!

[LeoSayer]

So far this year my returns have been +9.2% made up of:

+4.4% for low risk (money market and short-term gilt funds)
+11% for high risk (global equity index funds)

+6% sounds feasible for a portfolio with a much lower proportion of equities (30%?) and including advisor fees. If that's the case then no doubt the volatility would have been a lot lower earlier in the year after the US tariff changes were announced.

What funds are you invested in and in what proportions?

[gareth h]

These are the funds I’m in

[Countdown]

Panamax said:

Steve H said:

my main funds have done about 17% this year.

Splendid. It would be interesting to see the portfolio.

I don't think that's unusual. i think most of my vanguard funds did similar on average

FTSE100 21.3%
FTSE A/S 19.49%
VERX 24.2%
VHYL 14.4%
VWRL 11.4%

[mike13]

I think most index trackers did towards 20% this year, I’d be annoyed at OP’s return.

[Tagteam]

Just invest in the US , always outperforms everywhere. Thats wha someone told me 25 years ago and has been a great strategy.