• Rachael Panteney

If my investments aren’t performing as I expect, should I cash them in?

You wouldn’t plant a seed knowing it takes 20 years to turn into a tree, and then dig it up after 12 months because it isn’t a tree yet.

Yet when meeting with new clients, I see they have taken this approach to investing over and over.

Investing money to achieve a goal should be considered a medium-to-long-term strategy (5 years +).

If markets fall, this can turn to denial, fear and even panic as we see our portfolio value plummet along with our expectations. So we often end up selling when prices are low.

This emotional response can be highly detrimental to the performance of our investment portfolio and highlights the need to have a long-term investment plan to adhere to, regardless of our emotional ups and downs.

Although it can be unnerving to watch the value of your investments fluctuate, it’s important to hold your nerve and think of the long-term plan. Holding on to your investments gives them time to potentially recover and even grow, over the longer term.

Of course, this doesn’t mean you should never review your existing holdings.

We will work with you, using our investment expertise, to create an investment portfolio that is specific to your individual needs and financial objectives, whilst making sure that the level of risk taken is appropriate.

By helping you establish a long-term financial strategy that reflects your need for emotional comfort, we will support you on your investment journey and help you avoid any detrimental emotionally driven decisions.

In this case, it really is all about the destination, not the journey.

Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

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