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.
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
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 11.31 | -2.16 | 5 | |
| SWIP Absolute Return Bond Fund Acc | 8.69 | -4.92 | 4.26 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 40.16 | -24.48 | -4.91 | |
| F&C Managed Growth Fund Acc | 16.58 | -17.87 | -14.99 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 60.39 | -21.55 | 12.36 | |
| F&C Pacific Growth Fund Acc | 20.99 | -10.48 | -5.8 |
|
| Henderson Asian Dividend Income | 29.13 | -12.41 | -8.45 |
|
| Martin Currie Asia Pacific Fund | 23.57 | -11.46 | -4.48 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 35.66 | -21.34 | -5.19 | |
| Aviva Investors SF Managed Inc | 13.95 | -13.83 | -11.69 |
|
| Elite Fitzwilliam Balanced Growth Acc | 15.75 | -18.43 | -11 |
|
| Henderson Global Care Managed Fund | 35.74 | -22.42 | -6.61 |
|
| Ignis Managed Portfolio Inc | 16.47 | -17.79 | -9.96 |
|
| Lazard Managed Balanced Fund | 15.6 | -14.09 | -9.47 |
|
| Santander MM Growth Fund | 15.54 | -13.91 | -10.43 | |
| Standard Life Global Advantage Acc R | 14.26 | -14.03 | -10.7 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 27.5 | -16.76 | -4.88 | |
| AXA Defensive Distribution Fund Inc | 9.73 | -14.6 | -9.76 | |
| Henderson Cautious Portflio Unit Tst Acc | 25.98 | -21.6 | -8.92 |
|
| Premier Hurlingham Balanced Prtflo Acc | 12.03 | -18.74 | -13.22 |
|
| Santander MM Cautious Fund Acc | 26.09 | -18.07 | -5.09 |
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 27.51 | -12.68 | -4.05 | |
| Allianz PIMCO UK Corporate Bond Inc | 15.79 | -4.55 | -3.57 |
|
| AXA Sterling Corporate Bond Acc | 14.8 | -16.78 | -8.21 |
|
| CIS Corporate Bond Income Trust | 14.08 | -3.42 | -4.19 |
|
| Gartmore Fixed Interest Fund Acc | 15.54 | -21.87 | -4.41 |
|
| Insight Investment Sterling Corp Bnd Acc | 27.09 | -15.51 | -4.9 |
|
| JPM Sterling Corporate Bond Fund Inc | 13.21 | -6.22 | -9.33 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.32 | -29.82 | -1.33 | |
| Artemis European Growth Fund | 11.61 | -36.52 | -15.32 |
|
| AXA Rosenberg European Acc | 40.48 | -36.39 | -2.82 |
|
| Baring European Growth Trust | 43.77 | -34.22 | -2.27 | |
| Gartmore European Focus Fund | 13.32 | -24.96 | -12.12 |
|
| Henderson European Opportunities | 41.59 | -31.6 | -2.18 |
|
| Henderson European Value Fund | 11.2 | -21.88 | -10.54 |
|
| LeggMason Continental European Equity | 9.03 | -26.08 | -13.97 |
|
| M&G European Fund A Inc | 5.47 | -23.36 | -11.83 | |
| Martin Currie European Fund | 13.13 | -21.35 | -15.36 |
|
| Premier European Growth Fund Inc | 10.89 | -40.99 | -12.82 |
|
| Schroder European Inc | 9.58 | -22.33 | -12.62 |
|
| Scottish Widows European Select Growth | 10.96 | -24.45 | -9.98 | |
| Templeton Europe Fund Acc | 12.27 | -21.04 | -15.85 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.54 | -29.96 | -2.46 | |
| SWIP Pan European Equity Fund | 10.42 | -24.51 | -10.31 |
|
| SWIP Pan European SRI Equity Fund | 10.57 | -22.42 | -10.83 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 65.23 | -36.51 | -9.62 | |
| INVESCO PERPETUAL Euro Smaller Cos | 14.74 | -41.8 | -17.89 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 14.06 | 10.15 | 6.47 | |
| Scottish Widows Cautious Portfolio Inc | 14.27 | -1.79 | -1.02 | |
| UBS Absolute Return Bond Fund | 3.41 | -19.1 | -23.93 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 69.14 | -27.62 | 15.93 | |
| Aberdeen MM Emerging Markets Acc | 27.22 | -18.79 | -3.5 |
|
| F&C Emerging Markets Fund | 31.45 | -15.1 | 2.61 |
|
| Martin Currie Emerging Markets Fund | 28.78 | -22.31 | -3.21 |
|
| Scottish Widows Emerging Markets Fund | 68.01 | -29.82 | 13.01 | |
| SWIP Emerging Markets Fund | 67.37 | -29.12 | 12.65 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 44.22 | -23.26 | -3.85 | |
| Architas MM Diversified Share Portfolio | 18.23 | -26.87 | -16.43 |
|
| Architas MM Global Equity Fund | 18.82 | -21 | -9.15 |
|
| Aviva Investors SF Global Growth Acc | 14.74 | -18.27 | -11.7 |
|
| Aviva Investors World Leaders Fund | 14.09 | -21.71 | -9.63 |
|
| AXA Rosenberg Global Acc | 40.13 | -26.6 | -6.6 |
|
| City Fin Multimanager Growth Fund Acc | 20.08 | -22.39 | -9.02 |
|
| Fid FIF International Fund | 17.47 | -18.4 | -10.82 | |
| Henderson Global Dividend Income Acc | 16.37 | -16.51 | -27.91 |
|
| JPM Global Equity Income Fund Acc | 37.92 | -26.72 | -9.08 |
|
| Jupiter Ecology Fund | 40.47 | -26.49 | -6.18 |
|
| M&G Fund of Investment Trst Shares A Inc | 19.92 | -24.71 | -13.35 | |
| M&G Global Leaders Fund A Inc | 20.23 | -24.06 | -9.54 | |
| Marlborough Global Fund Acc | 17.72 | -16.57 | -11.14 |
|
| Martin Currie Global Alpha Fund | 37.78 | -28.81 | -4.21 |
|
| Santander MM Equity Fund | 16.67 | -16.83 | -13.09 | |
| Scottish Widows Opportunities Portfolio | 42.7 | -23.79 | -7.65 | |
| Skandia Ethical Fund | 19.8 | -18.5 | -15.64 |
|
| Templeton Growth Fund Acc | 39.59 | -23.88 | -8.5 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 53 | -21.32 | -6.18 | |
| SWIP High Yield Bond Fund Inc | 22.93 | -14.2 | -5.47 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 31.32 | -10.99 | -18.34 | |
| Axa Framlington Japan Fund Inc | 9.97 | -11.66 | -16.71 |
|
| AXA Rosenberg Japan Acc | 22.95 | -15.16 | -19 |
|
| Baring Japan Growth Trust | 27.15 | -21.27 | -20.03 | |
| BlackRock Japan Inc | 8.97 | -19.64 | -14.93 |
|
| LeggMason Japan Equity | 15.88 | -18.01 | -37.95 |
|
| Newton Japan | 3.18 | -20.37 | -15.13 |
|
| Standard Life Inv Japanese Equity Growth | 25.02 | -16.04 | -18.62 |
|
| Threadneedle Japan Fund | 6.81 | -10.44 | -17.49 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 42.8 | -14.77 | -8.16 | |
| BlackRock US Dynamic Inc | 21.62 | -12.77 | -13.31 |
|
| Henderson American Portfolio | 20.39 | -21.4 | -15.7 |
|
| INVESCO PERPETUAL US Eq Benchmark Pl Acc | 19.98 | -12.45 | -14.38 |
|
| INVESCO PERPETUAL US Equity Acc | 22.09 | -12.46 | -22.86 |
|
| LeggMason US Equity | 19.17 | -19.9 | -35.96 |
|
| Old Mutual Nrth American Equity OEIC Acc | 24.06 | -22.18 | -15.67 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.86 | -29.36 | 0.42 | |
| Axa Framlington Financial Fund Inc | 13.19 | -20.97 | -31.94 |
|
| Henderson Global Financials | 12.75 | -20.53 | -21.36 |
|
| JPM Global Financials A Acc | 17.91 | -26.15 | -29.19 |
|
| Neptune Green Planet Fund | 4.37 | -23.43 | -16.79 |
|
| SWIP Financial Fund | 14.8 | -25.06 | -23.46 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 32.76 | -16.09 | -4 | |
| Allianz PIMCO Sterling Total Return Inc | 31.21 | -17.79 | -5.94 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 50.92 | -31.54 | -10.15 | |
| Architas MM UK Equity Fund | 17.69 | -23.04 | -21.29 |
|
| Artemis Capital Fund | 11.83 | -31.38 | -17.87 |
|
| Aviva Investors SF UK Growth Acc | 16.79 | -24.56 | -18.78 |
|
| Aviva Investors UK Ethical Fund Cl A | 16.04 | -26.63 | -19.42 |
|
| Aviva Investors UK Growth & Value Fund | 49.5 | -34.03 | -11.47 |
|
| Ecclesiastical Amity UK Fund | 48.25 | -33.06 | -14.88 |
|
| F&C Stewardship Growth Fund Inc | 44.75 | -37.36 | -17.82 |
|
| Gartmore UK Alpha Fund | 10.78 | -37.44 | -24.73 |
|
| Gartmore UK Growth Fund | 14.37 | -31.42 | -17.1 |
|
| Henderson UK Equity Fund | 17.89 | -21.28 | -18.83 |
|
| Henderson UK Opportunities | 47.35 | -41.38 | -14.83 |
|
| Ignis Cartesian UK Opps Acc | 16.71 | -22.22 | -15.1 |
|
| Insight Investment UK Dynamic Managed | 15.7 | -21.31 | -15.08 |
|
| INVESCO PERPETUAL UK Growth Acc | 44.61 | -34.11 | -15.6 |
|
| JPM Premier Equity Growth Fund Acc | 47.36 | -37.53 | -14.3 |
|
| Jupiter Environmental Income Fund Acc | 43.64 | -34.09 | -17.62 |
|
| Jupiter Undervalued Assets Fund | 46.12 | -36.53 | -14.26 |
|
| LeggMason UK Equity | 15.06 | -20.6 | -16.2 |
|
| Martin Currie UK Growth Fund | 12.38 | -23.21 | -13.78 |
|
| Rensburg UK Select Growth Trust | 48.2 | -32.87 | -12.82 |
|
| Scottish Widows UK Growth Fund Acc | 49.46 | -33.48 | -11.01 | |
| Skandia Asset Alloc UK Equity Blend | 18.54 | -23.87 | -19.95 |
|
| Skandia UK Best Ideas Fund | 17.75 | -32.19 | -23.42 |
|
| Templeton UK Equity Fund Acc | 40.05 | -37.36 | -21.88 |
|
| UBS UK Select Acc | 13.45 | -24.7 | -20.24 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 37.83 | -24.55 | -8.69 | |
| Marlborough Extra Income Fund Inc | 34.02 | -26.23 | -12.92 |
|
| Scottish Widows High Reserve Fund Acc | 14.86 | -15.3 | -16.82 |
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.57 | -29.59 | -13.83 | |
| F&C Stewardship Income Fund Inc | 42.36 | -36.2 | -14.75 |
|
| F&C UK Growth & Income Fund Acc | 17.81 | -21.96 | -20.75 |
|
| Scottish Widows UK Equity Income Acc | 13.7 | -19.76 | -20.11 | |
| SWIP UK Income Fund Inc | 17.87 | -20.7 | -21.51 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 0 | 0 | 0 | |
| Henderson Long Dated Gilt Fund | -0.99 | 7.78 | 3.12 |
|
| Fund Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 58.19 | -36.68 | -18.16 | |
| Axa Framlington UK Smaller Cos Acc | 18.76 | -27.53 | -28.86 |
|
| INVESCO PERPETUAL UK Small Cos Grth Inc | 13.54 | -34.2 | -22.57 |
|
| Jupiter UK Smaller Companies Fund | 53.84 | -40.74 | -21.22 |
|
| Scottish Widows UK Smaller Companies Acc | 23.69 | -24.64 | -28.46 | |
| SWIP UK Smaller Companies Fund | 22.86 | -26.08 | -21.87 |
|
| UBS UK Smaller Companies | 8.91 | -31.68 | -24.2 |
|
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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