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    • Home • Advice • Common questions

    Should I sell a fund that’s underperforming?

    31 July 2025

    Question by Amir

    I’ve got a fund in my ISA that’s been going down for over a year but everything else seems to be doing better. Is it time to ditch it or should I hold my nerve?

    Answered by Mark Williams

    Hi Amir,

    If your ISA fund’s been going nowhere while others are flying, don’t panic - sideways movement isn’t always a red flag. It could be in a sector that’s temporarily out of favour, or built for stability rather than sizzle.

    If you’re investing long-term and the fund still fits your goals, holding tight might be wise. But if it’s consistently underperforming its benchmark, or you’ve lost faith in the strategy, it might be time to switch. Just make sure any new fund improves your diversification.

    Smart investors review regularly, diversify broadly, and resist knee-jerk reactions. Time in the market beats timing it. So unless your fund’s truly gone off-piste, staying the course could pay off.

    Hope this helps!

    Answered by

    Mark Williams

    CA DipFS

    As an independent adviser I have access to a full universe of sustainable investment options. As part of my advice process I help clients consider the range of sustainable investing options available to them and can advise them on their suitability.

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    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
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