How has your AVC fund done in last 3 months.

Hawkey99 · Post by **Hawkey99** » 27 Jan 2019, 13:57

Looks like the Zurich AVC funds and stock markets have got plenty of catching up to do on the last 3 months.

Shariah fund down 3.75%

Growth fund down 2.25%

Ethical fund 0%..No change

Diversified fund down 0.5%

Cautious fund up 0.75%

Balanced fund down 0.75%

Cash fund 0.01%

Terrible last 3 months but January seems to be picking up a bit. Just need to sort out Brexit, USA, China, Venezuela and all of the rest and we will be flying LOL.

Rumple · Post by **Rumple** » 27 Jan 2019, 14:34

Where can this info be found?

Post by **RobertT** » 27 Jan 2019, 14:47

Those drops are nothing particularly drastic. Stock markets go up and down – it's what they do!!!

Take a look at how much those funds have risen over the last 5 years. We've made a hell of a lot more money over that time, than we've lost in the last 3 months!

But based on historical figures, we're due a crash fairly soon. If that happens, don't be surprised to see drops of 30-40% or more, especially with the higher equity based funds.

Rumple wrote:Where can this info be found?

http://webfund6.financialexpress.net/cl ... eID=443712" onclick="window.open(this.href);return false;

Hawkey99 · Post by **Hawkey99** » 27 Jan 2019, 15:42

Could be a crash but could also go on for a few more years yet. The FTSE 100 has lagged all the other markets for 2 years now.

Opinion in the markets is divided and due to the current uncertainty everywhere interest rates are still low and not everyone is weened off of quantitive easing yet.

Fingers crossed.

NWpostie · Post by **NWpostie** » 27 Jan 2019, 16:28

With the stock market, you have to look at the long term trend which usually rises in value, dips are short term, generally the higher the risk the greater the reward or loss, you have to decide to diversify and spread the risk to mitigate any adverse exposure.