I invested initially in 2016 and in the years first 5 years from 2017-2022 returns were pretty solid and I think at least 10% per year and think one year was closer to 20% but last 3 years have been terrible. I think I am down ~5-6% in last 3 years with 2 of them up around 1% flat and one year down 7-8% so none of the part 3 years have come anywhere close to S&P performance. This is pretty crappy during a time when all my other investments were doing well so this has clearly been underperforming.
Honestly that is part on me as I really stopped looking at how it was doing and did not really notice how poor returns had been over past 3 years until this year. I am pretty diversified across many of their funds so it is not just as if I happened to be in the wrong fund at the time,
To make things even more frustrating I asked to withdraw my funds early last September and was only able to withdraw 15% of my portfolio value as they are merging a bunch of their funds into a flagship fund. Initially they told me I should be able to get my money before the end of the year but here we are in mid march and I am no closer to getting my money. They did post a message in February that they are changing their approach in how they are filing this merger of funds. It feels like they should have been more on top of how to handle this as having no way to withdraw funds for what could potentially be a year and have it stuck in something that is losing value vs inflation is less then ideal.
They have been fast to communicate when I have reached out and I am not in any way implying they are shady. It has just not turned out to be a good investment choice last 3 years and on top of that not being liquid enough to get my money out.
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