The Stocks and Shares ISA products and funds available from SFS Invest Direct are not like building society / bank deposit accounts, as they can rise and fall in value and your capital is at risk.
Please note: the tax treatment of any investments depends on your individual circumstances and may be subject to change in the future.
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Sin Bin
Sin Bin
Many of you may have experienced the after effects of the Credit Crisis caused by Sub Prime Lending in the US and have subsequently seen your funds fall in value but was your fund underperforming its peers anyway?
We have researched the UK Registered Fund Marketplace (i.e. unit trusts and OEICs which can be held in and outside of an ISA/PEP wrapper) to identify those funds we would consider poor performers.
In order to do this we monitored the performance of the available funds with a minimum of 3 years performance which are actively managed (therfore all new and tracker funds have been excluded).
The Sin Bin List has been compiled to identify those funds that may be considered to be ’out of the game’ and should be reviewed to see if you consider this to be temporary or a long term trend. The funds on this list have performed below average in their repective sectors based on percentage growth figures* for each and every year over the last 3 years.
If you have any of the poor performing funds listed below, you may wish to re-register your holdings and then switch online with the help of our fund research tools once your account is created.
For further information about our Investment Consolidation service please call 0800 085 0459 or click here.
Alternatively, if you wish to arrange an appointment to see a whole of market adviser please call 0800 012 1249 or request a call back and a member of the team will call you back when it’s convenient for you.
*Source: Lipper Hindsight - Percentage Growth, Total Return, Income Reinvested, up to 30/04/2010
**Offer applies to re-registrable investments over £5000 in value
Absolute ReturnTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 11.31 | -2.16 | 5 | |
| Baring Absolute Rtrn Glbl Bond Trust Acc | 8.7 | -2.37 | -8.5 |
|
| Skandia Alternative Investments Acc | 8.76 | 1.11 | -1.41 |
|
| SWIP Absolute Return Bond Fund Acc | 1.11 | 1.73 |
|
Active ManagedTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 40.16 | -24.48 | -4.91 | |
| F&C Managed Growth Fund Acc | 25.64 | 10.33 | -6.97 |
|
| Insight Diversified Dynamic Return Fund | 11.06 | 4.59 | -7.21 |
|
| Thames River Equity Managed Fund Acc | 22.48 | 10.86 | -10.27 |
|
Asia Pacific Excluding JapanTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 60.39 | -21.55 | 12.36 | |
| Baring Eastern Trust | 50.49 | 23.26 | -7.92 |
|
| F&C Pacific Growth Fund Acc | 57.48 | 14.43 | -18.8 |
|
| Henderson Asian Dividend Income | 57.86 | 22.47 | -7.34 |
|
| Legal & General Pacific Growth Tst R Inc | 64.45 | 22.5 | -19.95 |
|
| Marlborough Far East Growth Fund Acc | 56.72 | 7.66 | -17.2 |
|
| Neptune Asia Pacific Opportunities | 53.57 | 19.36 | -16.58 |
|
| Old Mutual Asian Select OEIC Acc | 60.61 | 16.57 | -16.8 |
|
| Royal London Far East Acc | 60.49 | 21.51 | -12.67 |
|
| Scottish Widows Pacific Growth Fund | 55.81 | 22.15 | -5.86 |
|
Balanced ManagedTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 35.66 | -21.34 | -5.19 | |
| Aviva Investors SF Managed Inc | 7.29 | 5.4 | -5.66 |
|
| Fid FIFIV Target 2015 Fund | 21.66 | 12.15 | .07 |
|
| Insight Wealth Builder Balanced Acc | 14.29 | 3.83 | -5.35 |
|
| JPM Balanced Total Return Fund Acc | 10.33 | 7.34 | -5.93 |
|
| Premier Global Strategic Growth Fund Inc | 20.14 | 4.95 | -5.52 |
|
| Santander MM Growth Fund | 23.33 | 8.74 | -3.53 |
|
| Thames River Balanced Managed Fund Acc | 21.26 | 9.31 | -7.44 |
|
Cautious ManagedTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 27.5 | -16.76 | -4.88 | |
| Aviva Diversified Strategy SC1 Acc | 14.83 | 6.88 | -1.04 |
|
| City Fin Multimanager Income Fund Acc | 3.81 | 6.19 | -4.09 |
|
| City Financial Diversified A Acc | 12.94 | 6.7 | -2.52 |
|
| F&C Blue | 4.18 | -0.73 | -1.76 |
|
| Ignis MM Cautious Acc | 5.73 | 5.43 | -2.61 |
|
| Insight Diversified High Income Acc | 7.1 | 3.2 | -4.31 |
|
| JPM Cautious Total Return Fund Acc | 6.58 | 3.98 | -2.8 |
|
| Neptune Cautious Managed Fund Acc | 2.42 | 1.33 | -4.86 |
|
| SVM Cautious Managed Fund Acc | 17.94 | 2.96 | -4.17 |
|
Europe Excluding UKTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.32 | -29.82 | -1.33 | |
| AXA Rosenberg European Acc | 27.72 | .08 | -13.1 |
|
| Baring European Growth Trust | 12.59 | -0.92 | -14.89 |
|
| Cazenove European Fund | 30.05 | -2.87 | -9.92 |
|
| INVESCO PERPETUAL European Equity Acc | 30.09 | -2.2 | -11.32 |
|
| JPM Europe Fund A Acc | 12.59 | -1.91 | -12.29 |
|
| Jupiter European Income Fund Acc | 28.53 | 4.59 | -7.97 |
|
| Kames European Equity Fund | 6.05 | -2 | -13.39 |
|
| Lazard European Alpha Fund | 32.68 | 5.48 | -7.28 |
|
| LeggMason Continental European Equity | 25.46 | -0.94 | -10.58 |
|
| Marlborough European Trust | 30.83 | .33 | -11.61 |
|
| Martin Currie European Fund | 31.34 | 7.25 | -8.24 |
|
| Newton Continental European | 27.47 | -1.29 | -12.8 |
|
| Newton European Higher Income Fund Inc | 21.23 | -1.79 | -12.43 |
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| Scottish Widows European Growth | 29.03 | -2.45 | -11.37 |
|
| Scottish Widows European Select Growth | 29.36 | -1.63 | -11.54 |
|
| Templeton Europe Fund Acc | 30.16 | 3.82 | -7.28 |
|
Europe Including UKTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.54 | -29.96 | -2.46 | |
| JOHCM European Fund | 30.42 | 3.38 | -11.15 |
|
| Newton Pan European | 29.81 | -1.39 | -10.04 |
|
European Smaller CompaniesTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 65.23 | -36.51 | -9.62 | |
| INVESCO PERPETUAL Euro Smaller Cos Acc | 3.93 | 6.19 | -6.67 |
|
| M&G European Smaller Companies A Acc | 42.78 | 18.2 | -5.01 |
|
| Schroder European Smaller Cos Acc | 46.55 | 11.67 | -15.4 |
|
Global BondsTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 14.06 | 10.15 | 6.47 | |
| F&C Global Bond Fund Inc | 13.89 | 5.3 | .48 |
|
| UBS Absolute Return Bond Fund | 2.11 | 1.38 | -2.41 |
|
Global Emerging MarketsTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 69.14 | -27.62 | 15.93 | |
| Aberdeen MM Emerging Markets Inc | 62.81 | 15.98 | -15.34 |
|
| Henderson Emerging Markets Opportunities | 20.8 | 18.8 | -16.53 |
|
| INVESCO PERPETUAL Emerging Countries Acc | 56.61 | 24.39 | -11.21 |
|
Global GrowthTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 44.22 | -23.26 | -3.85 | |
| Axa Framlington Global Opportunities Acc | 7.72 | 8.52 | -7.2 |
|
| AXA Rosenberg Global Acc | 6.24 | 6.62 | -5.33 |
|
| F&C Global Thematic Opportunities Fund | 26.6 | 10.45 | -8.44 |
|
| Fid FIF International Fund | 23.19 | 12.44 | -6.6 | |
| Henderson Global Care Growth Fund | 8.39 | 6.29 | -5.71 |
|
| Kames Global Equity Fund | 25.3 | 6.26 | -9.49 |
|
| Marlborough Global Fund Acc | 22.59 | 8.72 | -8.51 |
|
| Templeton Growth Fund Acc | 24.64 | 5.39 | -7.71 |
|
JapanTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 31.32 | -10.99 | -18.34 | |
| Allianz RCM Japan Fund | 8.36 | 6.83 | -1.26 |
|
| Axa Framlington Japan Fund Acc | -0.09 | 12.58 | -7.48 |
|
| LeggMason Japan Equity | 15.88 | -18.01 | -37.95 |
|
| Neptune Japan Opportunities | 6.34 | 4.74 | -15.58 |
|
| Scottish Widows Japan Growth Fund | 10.19 | 3.95 | -3.28 |
|
| Scottish Widows Japan Select Growth | 8.83 | 6.23 | -4.05 |
|
| SWIP Japanese Fund | 11.27 | 5.03 | -2.43 |
|
| Threadneedle Japan Fund | .39 | 11.2 | -9.99 |
|
Japanese Smaller CompaniesTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 38.43 | -11 | -26.8 | |
| INVESCO PERPETUAL Japan Smaller Cos Acc | 25.36 | -3.62 | 6.23 |
|
North AmericaTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 42.8 | -14.77 | -8.16 | |
| Aberdeen American Equity Fund Acc | 18.06 | 15.43 | -2.04 |
|
| F&C North American Fund | 18.7 | 14.47 | -2.96 |
|
| Franklin US Equity Fund Acc | 19.08 | 13.56 | -2.71 |
|
| Henderson US Opportunities Fund | 8.81 | 13.8 | .55 |
|
| INVESCO PERPETUAL US Equity Acc | 15.89 | 14.62 | -2.8 |
|
| Kames American Equity Fund | 18.13 | 10.34 | -4.25 |
|
| Legal & General North American Tst R Inc | 15.12 | 14.56 | -0.85 |
|
| LeggMason US Equity | 6.59 | 2.27 | -3.53 |
|
| Martin Currie North American Alpha Fund | 16.82 | 16.01 | -10.18 |
|
| Martin Currie North American Fund | -2.71 | 8.13 | -0.81 |
|
| UBS US Equity Fund | 7.24 | 8.17 | .32 |
|
North American Smaller CompaniesTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 9.77 | 10.05 | -9.6 | |
| Schroder US Smaller Companies Acc | 20.07 | 29.58 | -4.07 |
|
SpecialistTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.86 | -29.36 | 0.42 | |
| Axa Framlington Financial Fund Acc | 25.17 | -0.78 | -17.61 |
|
| JPM Global Financials A Acc | 9.41 | -7.22 | -21.41 |
|
| Jupiter Financial Opportunities Fund | 24.65 | -4.56 | -23.77 |
|
| Marlborough ETF Global Growth Fund Acc | 16.73 | 8.99 | -7.89 |
|
| Neptune Green Planet Fund | 29.56 | -0.09 | -25.14 |
|
| SWIP Absolute Return Macro Fund | 3.15 | -4.75 | -12.9 |
|
| SWIP Financial Fund | 37.19 | 6.74 | -20.59 |
|
| SWIP Sterling Credit Advantage Fund Acc | 11.35 | .36 | -5.7 |
|
UK All CompaniesTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 50.92 | -31.54 | -10.15 | |
| Aberdeen MM UK Growth Acc | 22.39 | 13.83 | -1.42 |
|
| Allianz RCM UK Growth Fund Acc | 28.2 | 14.13 | -3.17 |
|
| Allianz RCM UK Unconstrained Fund | 10.96 | 8.44 | -6.85 |
|
| Architas MM UK Equity Fund | 30.43 | 11.16 | -3.06 |
|
| Aviva Investors SF UK Growth Acc | .94 | 10.11 | -5.28 |
|
| BlackRock UK Dynamic Fund Acc | 9 | 7.52 | -9.85 |
|
| BlackRock UK Fund Acc | 9.29 | 8.29 | -11.24 |
|
| Cazenove UK Growth and Income Fund Acc | 28.96 | 11.44 | -3.78 |
|
| CIS Sustainable Leaders Trust | 19.94 | 10.26 | -1.32 |
|
| Henderson UK Alpha Fund | 6.46 | 10.67 | -14.42 |
|
| HSBC UK Freestyle Fund Acc | 5.42 | 9.76 | -5.48 |
|
| Ignis Cartesian UK Opps Acc | 15.65 | 11.81 | -0.8 |
|
| Insight Investment UK Dynamic Managed | 9.62 | 6.65 | -5.66 |
|
| JPM Premier Equity Growth Fund Acc | 25.44 | 11.11 | -2.42 |
|
| JPM UK Dynamic Fund Acc | 10.63 | 10.42 | -5.61 |
|
| JPM UK Managed Equity Fund Acc | 24.58 | 9.61 | -2.37 |
|
| Jupiter Undervalued Assets Fund | 20.33 | 9.02 | -7.85 |
|
| Legal & General Growth Trust R Acc | 27.41 | 12.18 | -5.33 |
|
| Legal & General UK Active Opps Tst R Inc | 28.97 | 4.97 | -3.54 |
|
| Legal & General UK Special Sitns R Acc | 16.2 | 5.69 | -7.11 |
|
| Marlborough UK Large Cap Growth Fund Acc | 21.86 | 6.79 | -8.47 |
|
| Neptune UK Equity | 26.44 | 7.1 | -4.82 |
|
| Newton Income | 14.97 | 11.58 | -7.33 |
|
| Premier Ethical Fund Inc | 25.27 | 10.79 | -0.95 |
|
| Scottish Widows UK Growth Fund Acc | 29.26 | 6.7 | -4.35 |
|
| Skandia UK Strategic Best Ideas Fund | 13.96 | 13.58 |
|
|
| Standard Life Inv UK Equity Growth | 10.86 | 7.44 | -10.57 |
|
| UBS UK Opportunities Acc | 23.21 | 9.05 | -4.79 |
|
UK Equity & Bond IncomeTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 37.83 | -24.55 | -8.69 | |
| F&C High Income | 11.46 | 1.77 | -1.72 |
|
UK Equity IncomeTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.57 | -29.59 | -13.83 | |
| Aberdeen MM UK Income Acc | 23.46 | 13.32 | 1.6 |
|
| Axa Framlington Equity Income Fund Acc | 22.7 | 11.9 | -0.16 |
|
| Axa Framlington Monthly Income Fund Acc | 21.73 | 13.29 | -1.86 |
|
| M&G Dividend Fund A Acc | 17.2 | 11.51 | .22 |
|
| Marlborough UK Income & Growth Trust | 22.56 | 7.95 | -6.45 |
|
| Newton Higher Income | 9.11 | 7.05 | -2.4 |
|
| Scottish Widows UK Equity Income Acc | 22.47 | 11.13 | 1.52 |
|
| SWIP UK Income Fund Inc | 9 | 5.22 | -5.96 |
|
UK GiltsTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 0 | 0 | 0 | |
| Axa Sterling Gilt Fund Acc | 8.48 | 4.36 | 8.64 |
|
| HSBC Gilt & Fixed Interest Acc | 3.7 | 1.94 | 13.37 |
|
| Schroder Gilt & Fixed Interest Fund Acc | 6.1 | 2.12 | 12.48 |
|
| Standard Life Inv UK Gilt Acc | 6 | 2.71 | 13.87 |
|
UK Smaller CompaniesTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 58.19 | -36.68 | -18.16 | |
| INVESCO PERPETUAL UK Smller Cos Eqty Acc | 9.24 | 15.61 | .76 |
|
| JPM UK Smaller Companies A Acc | 12.94 | 10.73 | -0.66 |
|
| Jupiter UK Smaller Companies Fund | 43.35 | 22.6 | -3.74 |
|
Unclassified SectorTop ^
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 0 | 0 | 0 | |
| IFSL Bestinvest Defensive Portfolio Acc | 15.19 | 7.36 | -0.27 |
|
| Premier Nevis Growth Portfolio | 14.74 | 11.81 | -1.4 |
|
| Premier Sentinel Universal Portfolio Acc | 17.23 | 11.98 | -0.97 |
|
| Scottish Widows Environmental Invstr Acc | 23.57 | 10.77 | -4.64 |
|
| Scottish Widows Ethical Fund | 24.32 | 8.2 | -6.47 |
|
| SWIP Defensive Gilt Fund Inc | 8.25 | 4.31 | 2.28 |
|
INC = The profits from this ISA are provided as a regular income
ACC = The profits from this ISA are re-invested to help your investment grow
In providing this data, Skipton Financial Services (SFS) Limited has used the services of Library Information Services Limited and Fidelity FundsNetwork. Consequently, SFS cannot be held responsible for any inaccuracies contained in any information provided by any third party. All returns and illustrations are based on current tax legislation which is subject to unforeseen change. Past performance is not a guide to future returns
SFS Invest Direct is a trading name of Skipton Financial Services Limited, a subsidiary of Skipton Building Society.
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