Which of our ISA and SIPP funds are in the money flow?

Each month we like to make sure that the funds we own are acting right. We have an active investment strategy which aims to control risk and deliver superior performance. We invest in a number of actively managed funds to form a complete investment portfolio and select what we believe to be the best funds in each asset class. We monitor all the investments selected, replacing under-performers and continuously rebalance the portfolios with the aim of maximising growth potential and managing risk.

Typically we hold onto the funds that continue to outperform and exit or par down the ones that underperform. On August 29th 2015, we looked at the returns of our six funds and compared them with the returns of the FTSE 100, our performance benchmark. This is what we discovered:

This information is taken from The Big Picture, to download a sample copy please just click here.

Recent analysis prompts us to CLASSFIED

On Saturday August 29^th 2015, we made a switch. On the back of the recent performance of the global markets, the markets best stocks and the funds we own, we decided to CLASSFIED. 

This information is taken from The Big Picture, to download a sample copy please just click here.

Our outlook for 2015 and beyond

As mentioned in our introduction, we are delighted to report that we continue to outperform our benchmark. Year to date² our return is 0.8% compared to the FTSE 100’s -4.8%. After making 7.4% in 2014 compared to the FTSE 100’s -2.7% and a 23.1% return in 2013 versus the FTSE 100’s 14.4%, we were expecting to see the market and our investments take a breather before their next leg higher. For example at the beginning of 2015 we said…

’…we believe that we’ll experience flat or slightly negative returns for 2015.’ 

For now it seems that we were on the right line but the year is not over yet and we still have another four months to go. Pullback periods help the market to reset and even though they are never nice to experience, they are normal and absolutely necessary. Our outlook for the longer term (5-10 years) is that we believe the markets will be much higher than they are right now. This means that if you are a long-term investor like us, and have the courage to stay in the game, the future is looking bright.

ISACO 2015 Year to Date Performance

Our aim is to outperform the FTSE 100 and even with all the recent turmoil, we are remarkably still up for the year – currently³ sitting on a gain of 0.8% versus the FTSE 100’s loss of 4.8%.
 

ISACO 3 year performance

We are also pleased with the returns that we’ve made over the last three years⁴. From the beginning of 2012 to the end of 2014, we have annualised 9.5% versus the FTSE 100’s 5.7%.
 

Long-term performance

The FTSE 100, our benchmark, has annualised 6.2% since its inception 31 years ago⁵. That tells us that if we can beat the FTSE 100 over the long term, we’re going to be blessed with a reasonable rate of return.

Since beginning investing back in 1997⁶, we’ve outperformed the FTSE 100 by 77.9% which means we’ve beaten the main UK stock index on average by 2.9% per year. Remember however that past performance is no guarantee of future performance.

This information is taken from The Big Picture, to download a sample copy please just click here.

As always, if you have any questions or thoughts on the points covered in this post, please leave a comment below or connect with us @ISACO_ on Twitter.

As we grow our wealth, you grow yours. Together we prosper.

ISACO are a specialist in ISA and SIPP investment and together with our clients have an estimated £75 million actively invested⁷. To help investors like you, we offer a high end service called ‘Shadow Investment’. Put simply, we invest and you invest beside us. As we grow our wealth, you grow yours.

How does Shadow Investment work?

Shadow Investment allows you to look over our shoulder and buy the same investments that we are buying. It’s an intensely personal service which gives you the opportunity to piggyback on our expertise and makes investing easier, simpler and much more enjoyable.

Delivering a superior performance

We have an active investment strategy which aims to control risk and deliver a superior performance. Over the last 17 years⁸, we’ve beaten the FTSE 100 by 77.9% and over the last 3 years⁹, we’ve made an average annual return of 9.5% versus the FTSE 100’s 5.7%.

Get in touch

If you have over £250,000 actively invested, click here to arrange a free financial review (valued at £495) with Paul Sutherland, ISACO’s Managing Director.

To download our free report 'A Golden Opportunity' >> 

To download our Shadow Investment brochure >>