Junior ISA dilemma

[postitnot]

My parents have been saving for my children which is very kind! I opened a nutmeg JISA for them both in July 2021 and £16k each has been invested.
I opened it with nutmeg because I have an isa there too and it had been doing really well.
Frankly, the JISAs have been rubbish ever since, and are now worth £500 less each (including the money for fees grr)

My dilemma is whether to cut my losses and move it to a cash isa (around 4% interest) or to hold my nerve. DC are 13 and 16 but they know the money is for a house, so (hopefully) won't touch it for 10 years!

It's highlighted my attitude to risk isn't as gung- ho as I thought! (But that might be because it's not my money- it's my parent's and my children's!)

What's it invested in? Could it be bonds-heavy?

It's at 7/10 risk, and doesn't seem too bond heavy. It will give a breakdown of everything, but it means nothing to me!

I just opened Junior ISAs for my kids and invested it in bond funds - I am like you, too risk averse when it comes to other people's money. And entry points don't seem that bad from a returns perspective.

Can you say what the break down is?
My dc stocks and shares have not wen doing anything as well as mine, possibly timing of when brought? However still up 20%at the moment and several thousand up?

We are hargreve and landowne and use vanguard funds mainly us picked ourselves

Leave and ignore it. If you move to cash you’ll never beat inflation and miss an upswing. The global economy is flat lining / falling. Sit tight and leave it be.