The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Investing So You Don’t Miss Out

Long-term investments are generally the best for riding out market volatility and yielding a healthy, tax-efficient return.

When markets go through short-term fluctuations, it’s is often tempting to exit or switch funds in an attempt to reduce further expected losses. However, although nobody can accurately predict the future, these statistics from Old Mutual Wealth provide an interesting insight.

Over the past twenty years, using an £10,000 initial investment, an investor who remained in the same market throughout the period could have a potential return of £34,778 (an increase of 247.78%) compared to an investor who missed the best 25 days.

Investor’s status

Total return (%)

Stayed invested


Missed 5 best days


Missed 10 best days


Missed 15 best days


Missed 20 best days


Missed 25 best days


Source: FE Analytics. FTSE All Share, total return, bid-to-bid, throughout period running from 01.03.96 to 29.02.16. The information provided is for illustrative purposes and doesn’t represent the past performance of any particular investment. It is not possible to invest directly into the FTSE All Share.

Scottsdale MoneyWISE removes the ambiguity surrounding investing money. Our UK savings and investment specialists work to enhance your savings in investments that match your personal objectives.


Individual Savings Accounts (ISAs)

Individual Savings Accounts (ISAs)

Under the so-called New ISA, the contribution limit for Cash ISAs and Stocks and Shares ISAs has effectively been merged, with the overall limit increased to £20,000

Investment Overview

Investment Overview

This document looks at the different investment vehicles available to the individual investor together with the key points to note. This is an at-a-glance guide with more detailed information being contained in the other documents on this page. The value of investments and income from them may go down. You may not get back the original amount invested and the levels, basis and reliefs of taxation are subject to change.

Asset-backed Investments

Asset-backed Investments

Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.

Deposit Based Investment

Deposit Based Investment

In this document we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.