Bad Investment Funds – Investment Dogs!

Bad Investment Funds – Investment Dogs!

The presence of bad investment funds, or investments with persistent poor performance, has led to poor investment funds being termed “investment dogs”. Last week was Dog Awareness Week, so we thought that it would be fun to unmask some of the worst funds that may be lurking in your investment portfolio.

No matter how thorough the research into the selection of your investment funds, investment markets and fund managers change over time. That is why we recommend that investors always have their investments reviewed on a regular basis, so do monitor your investments or get someone to do so, on your behalf.

Investment dogs are not simply funds with poor performance – they are regarded as the worst of the worst funds, with very little chance to improve their performance or ratings.

UK Funds to avoid:

Scottish Widows UK Select Growth

Aberdeen UK Opportunities Equity

M&G Recovery

UK Smaller Companies Funds to avoid:

SF Webb Capital Smaller Companies Growth

CFIC Octopus UK Micro Cap Growth

Jupiter UK Smaller Companies

European Funds to avoid:

Neptune European Income

Neptune European Opportunities

Aberdeen European Equity

Global Funds to avoid:

St James Place High Octane

M&G Global Basic

Aberdeen Worldwide Recovery

For the sake of brevity we have not covered all sectors of the investment markets. In addition, we have not included investment trusts.

The point we are making is that past performance matters.

Investors should carry out regular reviews of their investments.

There is no point in being emotionally attached to your investment funds.

Often, investors sell off their top performing funds and hang onto their losers in the hope that they will recover.

We have investment software that provides full analysis of investment portfolios, including the performance of individual investment funds. It highlights poor performing investment dogs and hopefully will leave you howling with joy!

If you would like to review your investments do contact us.

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A pension is a long-term investment that typically cannot be accessed until age 55 (57 from April 2028). The level of pension benefits offered could change depending on the value of your investments (and any income they may generate).

The interest rates in effect at the time you begin receiving benefits may also have an impact on your pension income. The tax consequences of pension withdrawals will depend on your unique situation. In later Finance Acts, tax rates, tax bases, and tax relief may change.

The opinions expressed by Ray Best are meant to inform and educate. Before making any investment decisions always take advice that is pertinent to your investment personality and financial situation.

You are aware that past performance will not necessarily be repeated in the future, but you should be aware that persistent poor performance invariably will.

The value of an investment and the income from it could go down as well as up.

The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

UnaVida Wealth Management Ltd. is directly authorised and regulated by the Financial Conduct Authority (440577).

The guidance in this website is primarily aimed at a UK audience and is subject to regulation by the Financial Conduct Authority (FCA).

The Financial Conduct Authority does not regulate tax planning, estate planning, or wills and any form of legal documentation.