Have anyone heard of or invest with AVIVA navigator? Should I continue to invest with them?

The best way to do this is to have a discussion with your agent to understand the funds that you are invested into. Through this process, it allows us to understand the nature of the investment allocation that we have, the funds that we are invested in, alongside with its track records and fees.

Meanwhile, we should also spend quality time to understand the current market situation to find out why our funds are not performing. For instance, is it because of poor diversification or whether it is market risk in general.

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Types of Investment Risk that You should know

Thereafter, you may wish to compare with similar assets in its class to determine whether the fees are reasonable.

Through this steps, it will give you a clearer picture on your investment and help you to make an informed decision on whether you should continue to invest with them.

I share quality content on estate planning and financial planning here.

Aviva navigator is merely a platform, what matters more is your fund selection. You'll also want a horizon of at least 5 years before you see significant returns, so you are right in saying that it's a bit too early to tell.

What fees are you referring to when you mention fees?

If you were investing on the advice of a FA, you might want to seek understanding from the FA on the performance of your portfolio, as well as clarify the fees charged by him/her, because the WRAP fees are determined by the advisor, and are not charged by the unit trust. In fact, unit trust pricing already has the management fee of the fund built in, there is no way around this.

I don't use navigator myself as I am from Phillip, but I do note that there are a number of fees associated with using Navigator such as upfront, switching and wrap fee, which can vary, so those might have eaten into your returns (it's stated on their website). Just want to highlight that Dollardex and POEMS are some of the platforms that charge absolutely no sales/platform/switching fees, should you choose to invest on your own there.