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@garfieldp I think I might be misunderstanding. I get that the 'loss' is only realised when I want to access the money, which isn't for a while. So although I may have 'lost £500' on a fund now, if I take the 'loss' now, and reinvest as I would like, in the long-term, I could regain that £500...

@garfieldp Yeah I have seen that, and if I was starting from scratch I would probably do that. Thing is, some of these funds aren't in a great place at the moment so I'm reticent to sell at a fairly sizeable loss for the sake of simplicity. Might be worth it in the long run, though. Just spend...

As I was growing up, my dad managed an ISA for me (using Hargreaves Lansdown). A few years ago, I started managing it and investing myself. It is doing okay, but I do not really know what I am doing… I have been stalking this sub for a while and read through the wiki, but unsure how to 'get my...