Is your 基金 on the 瀬戸際 of 存在 負傷させる up? Here's how to 海難救助 your 投資
The 炉心溶融 of high-profile 投資 基金 Woodford 公正，普通株主権 Income has become every 投資家's nightmare シナリオ.?
More than 300,000 投資家s have been 軍隊d to wait more than four years to be 補償するd for the losses they 苦しむd ever since 株 in the £3.4 billion 基金 ? managed by former City 星／主役にする Neil Woodford ? were 一時停止するd.
The 基金 was 負傷させる 負かす／撃墜する in 2019 after a big institutional （弁護士の）依頼人 couldn't get its 手渡すs on the money it had 投資するd. And in 最近の months, a raft of new 投資 基金 終結s have been 発表するd の中で heavyweight 投資 shops.
Long wait: 投資家s in the axed income 基金 run by Neil Woodford, pictured left, have been waiting for four years to re ceive 補償（金）
Volatile markets have derailed the 投資s of even the most experienced money 経営者／支配人s, 軍隊ing 資産 経営者／支配人s to call time on their multi-million 続けざまに猛撃する 投機・賭けるs.
From rocky markets to poor 投資 戦略s and even 主張s of 甚だしい／１２ダース 不品行／姦通, 投資家s have been given a 範囲 of 推論する／理由s for 存在 left high and 乾燥した，日照りの.
A fortnight ago, 資産 管理／経営 巨大（な） BlackRock 発表するd it would 勝利，勝つd 負かす／撃墜する its £55.3 million Aquila 現れるing Markets 基金 予定 to low 投資家 利益／興味 and poor 業績／成果.
It follows the £159.6 million Blackstone Diversified Multi-戦略 基金 which went into liquidation after 資産s dropped by nearly 90 per cent in four years.?
In October, one of Britain's oldest hedge 基金 shops, Odey 資産 管理／経営, 発表するd it was の近くにing its doors in the wake of 性の 不品行／姦通 主張s made against its 創立者 Crispin Odey.
So what happens to your 投資 if a 基金 decides to shut up shop? Here, we explain 正確に／まさに what happens when a 基金 goes into liquidation ? and whether your money will be 安全な.
MY FUND IS FOLDING ? WHAT HAPPENS NEXT?
When a 基金 （負債など）支払うs it is 除去するd from sale, sells off all of its 資産s and 分配するs the proceeds to its 株主s. It typically takes a couple of weeks for 投資家s to receive their money but there is no 保証（人） they will be fully reimbursed.
If a 基金 is 負傷させる 負かす／撃墜する then 株主s are 軍隊d to sell their inv estments at a time that is not of their choosing, which can mean that they 苦しむ 激しい losses.?
In the 事例／患者 of Neil Woodford's 公正，普通株主権 Income 基金, 投資家s have 直面するd a four-year wait but could receive up to 77 per cent of their money 支援する. They are ありそうもない to receive it until 早期に next year.
Your 投資 壇・綱領・公約 should 通知する you if your 基金 is 始める，決める to の近くに and will give you 選択s for what you want to do with your money.
Often 資産 管理／経営 companies will give 株主s the choice between redeeming their money or 投資するing it in another of the company's 基金s, which is known as a rollover.
'基金 管理／経営 groups will usually 申し込む／申し出 one of its own 基金s as an 代案／選択肢 for 投資家s to consider in an 試みる／企てる to keep them,' says Kyle Caldwell, of 投資 壇・綱領・公約 Interactive 投資家.
'This is 特に the 事例／患者 with bi g 基金 管理／経営 companies that have dozens of 活発に managed or market 跡をつけるing 基金s. A smaller 会社／堅い, however, may not have a suitable 代案／選択肢.'
The same general 過程 適用するs to 投資 信用s but some also have 延長／続編 投票（する）s, where 株主s have a say.
If 投資家s 投票（する） to 勝利，勝つd up the 信用, 株主s are paid their 株 of the company's 資産s at or 近づく their 逮捕する 資産 value, which is the value of 信用's 資産s minus its total 義務／負債s.
WHAT'S MY BEST MOVE?
If a 基金 you 投資する in is 存在 負傷させる 負かす／撃墜する, it may be tempting to jump ship 早期に by selling your 持つ／拘留するing but this could be a 高くつく／犠牲の大きい mistake, 警告するs Laith Khalaf, of 投資 壇・綱領・公約 AJ Bell.
'If the 基金 is 貿易（する）ing at a 相当な 割引 you may 利益 by waiting for the 資産s to be sold and the cash returned, as this could 井戸／弁護士席 be done at a price nearer to the 逮捕する 資産 value,' he says.
Savers should 避ける any 膝-jerk reactions and 急ぐing to choose another 投資, he 追加するs.
'Look for a 信用 or 基金 with a 類似の 投資 戦略 if you want to stay 投資するd in the same area, and also 支払う／賃金 attention to the pedigree of the 経営者／支配人 and the 料金s that are 告発（する），告訴（する）／料金d,' he says.
WHAT MAKES A FUND SHUT?
There are a number of 推論する／理由s why 基金s are shut 負かす／撃墜する, says Annabel Brodie-Smith, from the 協会 of 投資 Companies. 'For example, 投資家s may no longer want to 支援する the 基金's 戦略 if markets turn, the 業績／成果 記録，記録的な／記録する may be poor, or the 基金 may be too small and will struggle to attract 投資家s,' she says.
Even high-profile 基金s and 投資 信用s are not 安全な. Last year, the £319 million Fundsmith 現れるing 公正，普通株主権s 信用 任意に の近くにd after its 投資 returns fell short of 期待s.
Downward 傾向s in 確かな types of 投資s can also lead to a 洪水／多発 of 終結s across the market. 所有物／資産／財産 基金s have come under 増加するing 圧力, 予定 to a sharp rise in 利益／興味 率s.
資産 経営者／支配人 M&G International 発表するd it would の近くに its market-主要な £565 million M&G 所有物／資産／財産 大臣の地位 基金 last month 予定 to 'a 欠如（する） of 需要・要求する' in 最近の years. The move follows Aegon and Aviva, which have already started to 勝利，勝つd 負かす／撃墜する their 所有物／資産／財産 基金s.
MY FUND IS MERGING ? WHAT DOES THAT MEAN?
In nine out of ten 事例／患者s, 基金s are 合併するd instead of going into liquidation, によれば Jason Hollands of stockbroker Bestinvest. 合併s usually take place when there are overlapping 投資 戦略s across two 基金s or the same 管理／経営 team 作品 on both.
When 基金s are 合併するd, the 資産s of two or more 基金s are 連合させるd to create a new 計画／陰謀 and there may be a 転換 in the 投資 戦略. Before the 合併 is 完全にするd you will be given the 選択 of redeeming your 投資 or remaining 投資するd. Those who don't 行為／法令／行動する will automatically have their money 投資するd in the 合併するd 基金.
の中で those 始める，決める to 合併する in the coming weeks are the JP Morgan UK Smaller Companies and 中央の Cap 投資 信用s, which will become JP Morgan UK Small Cap Growth & Income.
WILL I HAVE TO PAY ANY TAX IF MY FUND SHUTS?
If you 持つ／拘留する a 基金 outside of a self-投資するd personal 年金 (Sipp) or Isa and it goes into liquidation then you may have to 支払う／賃金 資本／首都 伸び（る）s 税金 on any money you receive if you have made a 利益（をあげる）.
The first £6,000 of 利益（をあげる） that you earn from a 基金 and £3,000 利益（をあげる） from a 信用 is 税金-解放する／自由な.
Any 利益（をあげる） above this will result in a 税金 法案 at your ごくわずかの 率. If your taxable 伸び（る） 加える your total taxable income 落ちる within the basic 所得税 禁止（する）d of £12,571 to £50,270, the 資本／首都 伸び（る）s 税金 率 is ten per cent. Higher and 付加 率 taxpayers are 告発（する），告訴（する）／料金d 20 per cent.
If you have made a loss, you can usually use it to 相殺する 資本／首都 伸び（る）s you have made どこかよそで.
