Help with self managed S&S ISA

[Octocat]

I have a small S&S ISA that I manage myself (started it after the Vanguard fee introduction). Since Trump it’s been decreasing in value. Over the same period of time a managed Junior ISA that DC has, has rallied back up to pretty much where it was.

Should I cash in some of my shares and buy others? I know a S&S ISA is a long term thing so I don’t want to panic.

My investments are:
XTrackers MSCI World Financials UCITS ETF

Vanguard FTSE 250 UCITS ETF

SPDR S&P 500 UCITS ETF

HSBC FTSE all world index fund

iShares MSCI world energy sector UCITS ETF

Vanguard LifeStrategy 80%

Advice from anyone more knowledgeable than me would be appreciated!

Agree with the above that there’s a lot of overlap in the funds. The basic question to ask is how much, if any, bond exposure do you want? Bonds should dampen the downside loss in the event of a market crash, though not eliminate it. Personally I like 80/20 equities/bonds, which is what your LS gives, but that’s a personal risk question.

Bonds aside, the LS is a good fund, but overweight in U.K. exposure. That’s not a bad thing right now, but might be at some other time. Also, you might be paying more to hold it as it isn’t an ETF, unlike your other holdings. Depends on your platform.

If you were looking for a single fund to capture the broadest market equity exposure I’d go for Vanguard VWRP (etf). This tracks the ftse all world index. There are others that are very similar, with possibly lower costs, but VWRP is big and well established, which counts for something.

Finally, all these funds are going down at the moment, owing to Trump, trade wars, and so on. It’s really important not to panic and sell, as they always come back in time.

Just leave everything alone. If anything, start buying more if the funds are getting cheaper. After all, you don't wait until the sale is over to buy a new sofa, do you?

I once read that the accounts that made the most gains were where the holder had died or had forgotten their password.

The Vanguard VWRP doesn't seem to be available on Dodl, which is what I'm on.

Definitely not going to panic, and good to know that everything is currently going down. This is more about checking that the funds I've picked are decent choices. It looks like in an ideal world I'd perhaps have less overlap, so I'll go back through posts again and read the links again (they're a bit Numberwang to a newbie) and have a look at that.

Thanks everyone who has contributed so far, I appreciate it.

The equivalent on Dodl would be the HSBC FTSE All-World.

Ah good, I already have that!

Your investments look fine to me. Don't sell. If you don't need the money right away you don't need to worry.