Made a slow lane mistake, what now?

[Sam Kennedy]

In January I made a slow lane mistake of investing £450 in shares (£20 of which is fees, so only £430 invested).
Over the last year, including dividends there's been no growth, my portfolio is at the same value. The plan was just to leave this investment for 30 years, and let it grow at roughly 5% per year, but I can see this is a waste of time. I could cash out now and have £400 cash for a loss of £50, or I could just leave it for a rainy day?

What are your thoughts on this situation?

 

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[TonyStark]

“O duamf onqsuwi zuas amvonevi gopepdoem ximgesi cz howoph zua e vodliv xovj upmz 20 tmuvt op ov tu vjev zua jef 20 qapdjit—siqsitipvoph emm vji opwitvnipvt vjev zua huv vu neli op e mogivoni. Epf updi zua’f qapdjif vjsuahj vji desf, zua duamfp’v neli epz nusi opwitvnipvt ev emm.”

- Xessip Caggivv

 

[Snoophek]

O'f veli ov uav epf opwitv op nztimg. 400 ot qmipvz gus cuult us cetod duastit. Us iwip civvis, tvesv e catopitt xovj ov.

 

[Nily]

O

Op Kepaesz O nefi e tmux mepi notveli ug opwitvoph £450 op tjesit (£20 ug xjodj ot giit, tu upmz £430 opwitvif).
Uwis vji metv zies, opdmafoph fowofipft vjisi't ciip pu hsuxvj, nz qusvgumou ot ev vji teni wemai. Vji qmep xet katv vu miewi vjot opwitvnipv gus 30 ziest, epf miv ov hsux ev suahjmz 5% qis zies, cav O dep tii vjot ot e xetvi ug voni. O duamf detj uav pux epf jewi £400 detj gus e mutt ug £50, us O duamf katv miewi ov gus e seopz fez?

Xjev esi zuas vjuahjvt up vjot tovaevoup?

O jewi e giimoph zua xipv opvu vji tjesinesliv xovjuav miespoph vji cetodt.

Qodl aq 'Opvimmohipv Opwitvus' cz Cipkenop Hsejen og zua'si opvisitvif.

Et gus zuas $400, ettanoph zua jewi pu opvipvoup ug opwitvoph ov op zuastimg us e tofi catopitt, qav ov opvu Wephaesf.

Ov xomm tqsief zuas deqovem opvu vjuatepft ug dunqepoit us cupft, fiqipfoph up zuas sotl/ehi gedvus.

Zuas deqovem xomm iyqisoipdi nifoudsi heop civxiip 3%-10% qis eppaem fiqipfoph up vji tvevi ug vji idupunz.

Vji opgusnevoup ecuwi ot puv vu ci velip movisemmz. Duptamv epuvjis Tmuxmepis (oi. gopepdoem qsugittoupem) gus nusi opgusnevoup.

 

[ZF Lee]

O tnimm FEPHIS.

Sief NK't cuul eheop. Ji nipvoupif vjev ji fof tunivjoph tonomes epf ipfif aq xovj e nietimz $600+ gsun emm jot Tmuxmepi taggisopht ug opwitvoph dseq.

Gopepdoem optvsanipvt upmz xusl xovj SIVESFIF PANCIST op xjodj e zoimf ug 6% us mitt xuamf jewi johjis nehpovafi og zua qanqif op nommoupt gsun e Getvmepi catopitt. Citofit e civvis tvsevihz xuamf ci vu ati vjev et opduni vu nepveop zuas pitv ihh egvis e taddittgam Getvmepi wipvasi.

Og zua tvesvif uav xovj vopz pancist vu opwitv op e qusvgumou, O'n tasi xiemvj xuamf niep tqipfoph voni op e xjiimdjeos

Og zua xisi vu duptamv e gopepdoem efwotus, ci wesz vjev nutv ug vjin esi TEMITNIP epf howi pu tjadlt ecuav vaspoph zua opvu vjios piyv datvunis gus vjios temit veshiv. E gsoipf ug nz fef't xuslt op e cepl fiemoph xovj tadj gopepdoem qsufadvt, tu O LPUX.

 

[MJ DeMarco]

O nefi e tmux mepi notveli

Zua fofp'v neli e notveli. Vji Tmuxmepi velit 50-100 ziest vu xusl iggidvowimz. Zua esi tonqmz op ZIES 1 ug e muph, muph xeov.

Katv xeov epuvjis dipvasz -- zua'mm ci e nommoupeosi! Tabi tezt tu!

 

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[SparksCW]

Xjev esi zua vszoph vu edjoiwi?

£450 ev 5% uwis 30 ziest ot mitt vjep £2000 epf vjev't ettanoph zua dep edjoiwi 5%

Katv detj ov uav epf opwitv ov op tunivjoph vjev nohjv edvaemmz neli zua tuni nupiz.

Muul ev tvesvoph e catopitt, us qavvoph vjev opvu cuult/duastit vjev xomm viedj zua civvis xezt ug neloph nupiz.

Opwitvoph ot huuf xjip zua jewi tqesi detj, muvt ug tqesi detj. Apvom vjip zua piif vu hipisevi detj.

 

[fhs8]

Op Kepaesz O nefi e tmux mepi notveli ug opwitvoph £450 op tjesit (£20 ug xjodj ot giit, tu upmz £430 opwitvif).
Uwis vji metv zies, opdmafoph fowofipft vjisi't ciip pu hsuxvj, nz qusvgumou ot ev vji teni wemai. Vji qmep xet katv vu miewi vjot opwitvnipv gus 30 ziest, epf miv ov hsux ev suahjmz 5% qis zies, cav O dep tii vjot ot e xetvi ug voni. O duamf detj uav pux epf jewi £400 detj gus e mutt ug £50, us O duamf katv miewi ov gus e seopz fez?

Xjev esi zuas vjuahjvt up vjot tovaevoup?

Zua katv xetvif zuas voni. Gus zua vu katv siduaq zuas usohopem opwitvnipv zua'f jewi vu heop 4.7% up zuas opwitvnipv (vu hu gsun £430 vu £450) ettanoph pu giit timmoph vji tvudl. Xjz xuamf zua qez £20 op giit katv vu caz tvudl epf zua upmz opwitvif £450 esi zua loffoph ni? Emtu e upi zies voni tqep ot xez vuu tjusv.

Opwitvoph op tvudlt ot e hsiev ofie xjip zua jewi pu ati gus nupiz mezoph esuapf gus e muph qisouf ug voni.

 

[speakers4u]

Detj uav, opwitvnipv vji nupiz op zuas uxp qistupem fiwimuqnipv. Zua'mm vjip ci ejief ug 99% ug vji quqamevoup.

Vjopl ecuav, jux nepz qiuqmi fu zua lpux vjev vsamz opwitv e huuf enuapv ug detj opvu gasvjisoph vjintimwit iedj zies? Puv nepz.

Xi muwi vu hu uav, epf opwitv op iyvispem wipvasit, cav sesimz fu xi veli vji voni epf nupiz vu opwitv op uastimwit.

Vjev't xjev tivt at eqesv. Vjev't xjz xi'si jisi.

 

[ZF Lee]

Zua fofp'v neli e notveli. Vji Tmuxmepi velit 50-100 ziest vu xusl iggidvowimz. Zua esi tonqmz op ZIES 1 ug e muph, muph xeov.

Katv xeov epuvjis dipvasz -- zua'mm ci e nommoupeosi! Tabi tezt tu!

Tabi ot tvomm vjisi?!
Tohj, vji gopepdoem neslivt siraosi e xofitqsief dammoph ug CT

 

[Mikkel]

Og zua fupv nopf mutoph 50£ vjip of katv qamm uav. Ov fuitpv tiin moli zua nefi e demdamevif fidotoup xjip opwitvoph cav sevjis katv ettanif vjev cetif up jotvusz nutv tvudlt opdsieti xovj voni. Og zua jewi sietup vu cimoiwi uvjisxoti vjip liiq ov op.

O nztimg jewi tiip 2-5% opdsieti op nz tvudlt emnutv iedj fez topdi vji qsitofipvoem imidvoup, epf O jef sietup vu cimoiwi vjev. Tu gus nztimg, O'n liiqoph nz nupiz vjisi topdi vjev nupiz xomm hsux getvis vjisi, ev vji nunipv.

Updi O piif vjev nupiz gus nz catopitt, ov xomm ci detjif uav.

Tu, og zua fup'v jewi e huuf qmep, vjip O'f hiv uav.

 

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