An 8% dip, especially given the bond content of the fund, doesn't sound bad at all!

!thanks I figured the Nov -> Nov timeframe was also particularly bad. Feels good to be reassured.

"Investing can go up as well as down" an 8% drop is nothing

The Fund is ranked at 4 because it has experienced medium levels of volatility

!thanks We'll have to mull this over as a family. I appreciate the response!

8% dip in 2022 is a winner in mu opinion.

It’s completely illogical to take it out when it’s low.

It doesn’t matter whether it’s low or high. If the right thing to do is to change asset allocation it should be done.

Unless investing in something equally low that has the potential for a higher 'bounce back', which OP is hopeful for.

It is also illogical to keep it because it is low.

Is the cautious managed fund appropriate to their age, risk profile and investment needs ?

Unless moms totally desperate for money I wouldn’t bother touching it, don’t go chasing money as that never tends to work, just be patient.

ironically i tried the stocks and shares one from halifax a few years ago, i also lost money in the first year and just took it out. Never did it again anywhere, just standard cash isas.

You’ll lose money to inflation every year until your cash is basically toilet roll.

Don’t take this “Dad’s” advice

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You should buy the dips. If it gets back to normal it’ll cost more to buy a unit

So you are waiting for the stocks / bonds to become more expensive before you start buying again? That certainly seems like the opposite of good financial advice, my friend.

Hi

We're in an economic down turn. Everything is going down. It will eventually go back up. I wouldn't move it unless I was definitely sure it was being put somewhere more profitable.