Performance of the various Cobens portfolios

[mikeiow]

Morning all!
Maybe I should just give @Nik-Burrows a call…..but in case this is of wider use, I’ll pop a question here!

Having seen a 30+% “uptick” in performance over the past year (indeed, perhaps the past 7 months), my cautious side tells me to “derisk” some of the gain: in my mind, an upward trajectory cannot continue indefinitely…..unless @Adam-Kay’s crystal ball disagrees with my very amateur assessment?!

I wanted to see how the IM20 stacks up against the Money Markets Fund (& indeed the option for Cash), but I cannot see any of the sort of documents I would expect in “investment tools”, just this message:

“We're rebuilding this section
Following our rebrand, the investment tools and portfolio information previously shown here are being updated. Please check back later.”

Where can I find such details, & how defensive are the defensive options?
I obviously appreciate past performance is no guarantee, etc, but even seeing how the various options have done over the past year may be useful enough.
Are the MMF likely to manage 4-5% for the foreseeable?
Another side question could be whether Cobens are 'hedging' things for me - we have chunks in the Lifestyle Growth for Income portfolio: I have no idea whether decisions are being made to 'derisk' things inside there, of course!
Thanks

[Adam Kay]

Hi Mike

Money Markets

MM are cumulative. Index are discrete annual.

[mikeiow]

Thanks Adam,
Those “safer” lower index funds don’t look so safe when they fall more than the IM100 on a bad year
Did MMF also fall during those years?

[Adam Kay]

That’s a Covid debt decoupling. No MM was only ‘zero’ then as rates were zero effectively.