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.
Sin Bin
Time to lose those losers?
The last few years have proven volatile for global stock markets, impacting on the returns delivered by investment funds – but that doesn’t mean you have to accept disappointing performance from your investments.
In view of the unpredictability of recent global events, what was once the most suitable fund to grow your money may no longer be the case. Without reviewing your investments to find out how their performance compares to others, you could ultimately fail to achieve your financial objectives.
SFS Invest Direct has 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 compile our ‘Sin Bin’ list of poor performers. Because even the very best funds can experience short-term periods of underperformance, we have only monitored funds with a minimum three-year track record and which are actively managed (therefore all new and tracker funds have been excluded).
If your fund(s) appears in our Sin Bin list, you might wish to consider reviewing your investment(s)
Because past performance is not necessarily a guide to future returns, it’s well worth finding out the reasons behind why your fund has been underperforming. It could be a temporary trend and the medium to longer-term outlook remains positive for the fund, or it could be a long-term poor performance that shows few signs of changing.
Therefore, if you have any of the poor performing funds listed below, you may wish to re-register your holdings and then switch online to take advantage of our fund research tools. That way, once your account is created, you can make an informed decision over what to do about your investment(s).
Even if you hold investments in funds not listed below, you might still want to undertake a no-obligation financial review with SFS to ensure your money is suitably positioned towards your financial aspirations. For further information, including details about our Investment Consolidation Service, please call 0800 085 0459 or click here.
Alternatively, if you wish to arrange an appointment with an SFS 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.
Our Sin Bin
The funds on this list have performed below average in their respective sectors based on percentage growth figures for each and every year over the last three years.
Source: Lipper Hindsight - Percentage Growth, Total Return, Income Reinvested, up to 31/03/11
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| 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 |
|
| ISA Name | Year 1 | Year 2 | Year 3 | More Info |
| Sector average: | 45.54 | -29.96 | -2.46 | |
| Newton Pan European | 29.81 | -1.39 | -10.04 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
| ISA 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 |
|
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