How much have you lost in recent crash?

[belnding]

Just looked at my pensions and investments- not updated properly since Feb.

I’m down £15k. Pretty disappointed as I’ve been paying into pension and investments every month.

had just got a handle on things and was watching incremental growth each month.

obviously well aware stock market can go down as well as up- just not nice to see my own money being wiped out, when I could have just kept it in a savings account instead 😖

Nothing as I’ve not sold/crystallised anything. It’s paper loss until you decide to sell.

Low prices = get more for your money. It’s not necessarily a bad thing unless you’re very close to retirement. How old are you?

Yes I’m in my 40s - I was hoping to get to financial freedom by 55, so yes you’re right unless I sell anything (which I won’t) it kind of doesn’t count.

it is hard to keep paying in though - are you still paying in at the same rate?

Keep paying in. Low prices mean that you get more for the new money going in.

You have 10+ years to go. The day to day values really don't matter. It's the return over 5, 10 years etc that you should be looking at.

The stock market is just doing what the stock market always does.

Yes absolutely. It’s a long term investment and not one to watch too regularly - you’ll drive yourself mad. Make sure you’re invested in the funds with the level of risk you’re comfortable with. And check you’re comfortable with the life styling approach - as you reach retirement age they’ll usually begin shifting your funds towards lower risk investments to avoid a big crash before you retire. Check you’ve got your anticipated retirement age updated on your policy for that reason.

It doesn’t matter as I’m not planning on taking the money out any time soon.

I haven’t even looked at my pension!

If you’ve got 15 years until retirement, I wouldn’t be looking either.

It frustrates me when people talk about a crash - it wasn't a crash it was a dip in the stock market which everyone should have been prepared for. The markets have recovered to a level which is currently higher than they were a year ago. I'm not paying into a pension but am retiring later this year and I've theoretically 'lost' over £20k, but since I'm not taking any funds out yet, it doesn't matter, it's very likely that markets will start to improve in the UK/Europe/US etc over the next few months. We're looking at falling interest rates which will help our economy and will be reflected in stock market activity.

OK. I'll bite! At worst, my "loss" on paper was £63k. As of today, it's almost exactly £40k. This means my investments have approximately the same value as they did in September last year.

Naturally, I'm unhappy that this was needless, and caused entirely by the tariff nonsense. However, it certainly hasn't caused me any sleepless nights. I don't have any need or desire to draw down my investments, so it's a big "meh!" from me at the moment. I'm just sad that I don't have any useful cash to invest right now, to take advantage of the eventual upturn.

*Edited for spelling errors

DH lost £30k but it has recouped £15k so far. A bit scary as he's pension age.

I am retired and so rely on my investments to supplement my pensions. I no longer add to my savings or to pension plans etc.

I know my current investments will have fallen but I have not looked, no point really! My money is split between premium bonds, ISAs, high interest savings accounts and investments through a financial advisor. So far it is only my investments which have dropped, all my others are in fixed term accounts although I know rates will be lower when current terms expire. My premium bonds ( full amount) make around 8% over the year)

I know my investments have increased a lot over the years and also fallen several times but generally the rates creep up again. In the meantime, when I need to access my savings, I decide which ones are giving me the least return and dip into that fund.

I reckon I have enough for my needs without being very wealthy, I need my savings for big purchases, holidays, home improvements etc but could cut back if necessary. It’s something I try not to worry about as there is nothing I can do to affect the world money markets. I would be more concerned and upset if I was younger but when I was younger, I did not really have any savings!

I disagree with this common viewpoint.

If the value of your investment has gone down you have lost money. It's that simple.

Theoretical losses topped out at about 100k but markets have moved back a bit and started eating into that. Actual losses 0 as I haven’t sold anything.Not in the slightest bit concerned as investing is a long term game.

Haven't looked. Can't let it worry me too much as it's just my pension and I'm a long way off from cashing it in and a lot can happen either way.

Not to be pedantic, but I wish people would state the actual percentage decrease, rather than the amount. £25k decrease on, say, a pension fund of £1m isn't as significant as on a pension fund of £100k.

Virtually nothing. My pension (which I do draw a small amount on) is virtually back to what it was before Trump's farting about with tariffs.

The thing is to not panic sell. Indeed, buy if you can while stocks and shares are lower priced. Then you'll do better as they recover, (which they will, and they already are).

It wasn't really a crash by the way. It was a sizeable dip but not a total disaster. The markets have already recovered a long way, and I think they will learn to be more resilient against Trump's fuckwittwery, as will traders in countries such as China, which has born the brunt of his stupid tariffs.

Nothing, they are unrealised. I have increased my contributions whilst everything is on sale.

The highest valuation of my pension and S&S isa (combined) was about £615k, at one point dropped to c £515k but now sitting at c £554k, so about 10% down.

Still worth more than I’ve paid in, and I have plenty of time (10+ years) until I need the money.

Just to put it into perspective…. The media does like to whip up anxiety.

CC - 2008 credit crunch
LT - 2022 Liz Truss budget
DT - 2024 Donald’s tarriffs

Good luck trying to take your pension out at 55 as the minimum age to take the pension is going up to 57 in a couple of years time.
But if you are concerned about losses on pensions and investments then check with your financial adviser that you are invested in the right funds for your attitude to risk.

I’m currently down 3.5 %. BUT I did realise a few gains just before tariffs were announced (DH sold all his holdings) and bought back in a few weeks ago. Next for me is to top up this years ISA when I’ve decided where to invest.

I think the general advice is to sit on your hands, albeit with a slightly clenched bum.

This is the best time to pay in. Buy low, sell high. Markets are never on a single uphill trajectory.

My husband is a chartered financial advisor. We certainly haven’t sold any of our investments. No reason to lock in a loss.

My pension pots are curremtly 7.3% down.
DH's pension pots currently 5% down (was 14% down a month ago!)
My ISA portfolio is about 4% down but I actively manage it and decided to consolidate some losses in order to redirect some funds into the defence sector back in March. If I hadn't done this, I would be down at least 10%.

ISA took a hit of about 8% a few week ago but has bounced back by half that already.

Investment down about £50k, but I’m not worried - it has performed well up to now and I’m sure it will recover. It can sit there so not an issue.

Awesome graph 😊 @belnding I’m a similar age and also keep an eye on my pensions and other investments, the recent dip has been very unsettling but at least I’m not the colleague who has had to delay her retirement because she didn’t buy her annuity in time…