Your Investment performance for 2016.
Discussion
Lynch91 said:
For those of you that invest in Bitcoin are you buying actual Bitcoins, or is there a fund you are investing in?
Coins. Personally, I don't see any benefit buying via funds which imo would expose you to potential points of failure at this early stage. The process for buying BTC, moving it between wallets and holding it securely is easy enough to muster.emicen said:
Woops, egg on my face, clicked the wrong cell for one of the initial values 
Did a proper breakdown below, since we're doing percentages I havent bothered trying to convert the EUR or USD stocks for GBP equivalence. Took the time to calculate the dividends this time though;
All individual stocks, no funds.
Did a proper breakdown below, since we're doing percentages I havent bothered trying to convert the EUR or USD stocks for GBP equivalence. Took the time to calculate the dividends this time though;
| Company | 5-Jan-16 (A) | 3-Jan-17 (B) | Divs (C) | ((B-A)+C)/A |
| A | £51.04 | £69.40 | £2.21 | 40.30% |
| B | £689.20 | £1,034.60 | £58.82 | 58.65% |
| C | £147.20 | £266.20 | £4.33 | 83.78% |
| D | £283.93 | £841.75 | £0.00 | 196.46% |
| E | $328.16 | $351.19 | $5.96 | 8.83% |
| F | € 390.00 | € 431.25 | € 0.25 | 10.64% |
| Total | 1,889.53 | 2,994.39 | 71.57 | 62.26% |
All individual stocks, no funds.
Well done Malc.
A fund without a single loss.
If it were me, would take a little time to look up the historic end of year share prices and exchange rates.
In the future, you will probably prefer your long-term records to be calendar year.
Worth also noting a benchmark. I have always used the FTSE All-Share Index.
Having that information is especially helpful during market falls.
Best of luck. As you increase your number of holdings, some individual negatives are inevitable, but don't worry about that.
Jon39 said:
Well done Malc.
A fund without a single loss.
If it were me, would take a little time to look up the historic end of year share prices and exchange rates.
In the future, you will probably prefer your long-term records to be calendar year.
Worth also noting a benchmark. I have always used the FTSE All-Share Index.
Having that information is especially helpful during market falls.
Best of luck. As you increase your number of holdings, some individual negatives are inevitable, but don't worry about that.
NRS said:
It's individual companies from his comments, rather than funds. The issue in the future might be lack of diversity with a portfolio like this, which seems to be giving very high returns (presumably high risk - and perhaps concentrated in something like oil for example given the gains there during the later part of this year?). Obviously not knowing the details of what the companies are etc, and as a non-expert myself, but I get the impression it might be risky for a long term pension strategy where part of the focus should/would be focused on capital preservation too?
1) certainly there is a massive lack of diversification which means that performance will be very volatile with high downside risk.Capital preservation should be an increased focus as you approach retirement, it not necessarily towards the start of that journey!
Jon39 said:
Well done Malc.
A fund without a single loss.
If it were me, would take a little time to look up the historic end of year share prices and exchange rates.
In the future, you will probably prefer your long-term records to be calendar year.
Worth also noting a benchmark. I have always used the FTSE All-Share Index.
Having that information is especially helpful during market falls.
Best of luck. As you increase your number of holdings, some individual negatives are inevitable, but don't worry about that.
True, I have been somewhat less diligent over the last 5 months as I haven't been sat at a computer for my lunch since I left work and that's when the tracking and updating used to happen with my spreadsheet. Now I just keep an eye on their progress via my phones stocks app. My sheet does also include a crude FTSE baseline.
FX wise, I think it amounts to roughly 17% uplift on the USD stock and 14% on the EUR if both were converted to GBP.
I'd need my sheet in front of me for specific numbers but safe to say 2015 had some negatives
NRS said:
It's individual companies from his comments, rather than funds. The issue in the future might be lack of diversity with a portfolio like this, which seems to be giving very high returns (presumably high risk - and perhaps concentrated in something like oil for example given the gains there during the later part of this year?). Obviously not knowing the details of what the companies are etc, and as a non-expert myself, but I get the impression it might be risky for a long term pension strategy where part of the focus should/would be focused on capital preservation too?
Yeah, individual companies chosen for varying reasons.Across the 6 companies, they operate in 4 industries. 3 are indeed oil & gas, not all the rise in that area is due to the OPEC spurred rally towards the year end though. Notable absences are retail, pharmaceuticals and what I would term technology. It's something I want to address but sectors I know diddly squat about so need to do some research.
It's purely hobby / self-interest share investment, I'm in no way banking on it for pension provision
Every holding (slight exceptions for A & B) were sums of money that I could rinse on a fairly big night out, so if they tanked, I wouldn't be heartbroken.sidicks said:
1) certainly there is a massive lack of diversification which means that performance will be very volatile with high downside risk.
Capital preservation should be an increased focus as you approach retirement, it not necessarily towards the start of that journey!
As above, some lack of diversification, yes.Capital preservation should be an increased focus as you approach retirement, it not necessarily towards the start of that journey!
I'm not pinning my entire pension strategy on my own share investments. Whilst I'm considering opening a SIPP, I've got a whole load of reading to do before I move on it.
Tough question.
If I had more disposable income then it would have been larger stakes, £1000 region rather than £200-300.
At the same time, with a pot of £10k or £20k to invest, I see better opportunities outside of stocks and shares for a less risky but still decent return, albeit with more time and energy required.
If I had more disposable income then it would have been larger stakes, £1000 region rather than £200-300.
At the same time, with a pot of £10k or £20k to invest, I see better opportunities outside of stocks and shares for a less risky but still decent return, albeit with more time and energy required.
NRS said:
It's individual companies from his comments, rather than funds.
The issue in the future might be lack of diversity with a portfolio like this, which seems to be giving very high returns (presumably high risk - and perhaps concentrated in something like oil for example given the gains there during the later part of this year?).
Obviously not knowing the details of what the companies are etc, and as a non-expert myself, but I get the impression it might be risky for a long term pension strategy where part of the focus should/would be focused on capital preservation too?
The issue in the future might be lack of diversity with a portfolio like this, which seems to be giving very high returns (presumably high risk - and perhaps concentrated in something like oil for example given the gains there during the later part of this year?).
Obviously not knowing the details of what the companies are etc, and as a non-expert myself, but I get the impression it might be risky for a long term pension strategy where part of the focus should/would be focused on capital preservation too?
Yes I know it is individual companies. I tend to refer to a private portfolio as a fund.
Although I do not know, I just presumed that it is the begining of hopefully bigger things, hence just six holdings at present.
Most of us probably began with just a single holding, then gradually increased the number.
However, to get through one year without a single negative holding is commendable, but obviously impossible when a sensibly diversified portfolio (fund) has 20 or 30 individual holdings.
Jon39 said:
GT03ROB said:
Bear in mind the FTSE100 rose 19% last year.... and the FTSE all share rose 17%.....
I do not recognise your figures, Rob.
Perhaps you have also included the adjustment for dividend income.
Unless I have made an error, the 2016 index increases were;
FTSE All-Share = +12.45%
FTSE 100 ........ = +14.43%
Anyone who has outperformed with their own equity fund has done well, because few professional funds can do that repeatedly.
Edited by Jon39 on Monday 2nd January 11:53
klmhcp said:
This is the point I was making earlier...do you think you would/could have made those investments with 10x/20x the cash?
Just out of interest what's the biggest investment somebody here has made into a single share or fund for a short period of time, say 1 yr, did you 
or 
Lynch91 said:
For those of you that invest in Bitcoin are you buying actual Bitcoins, or is there a fund you are investing in?
As far as I'm aware there are hardly any funds. There's an ETN in Sweden, GBTC which is US and has an insane premium and might be restricted to accredited investors and a couple of other obscurities scattered around Europe. There might be some legit ETFs on the horizon but I'm not super confident they'll be approved. In the meantime anyone can buy and keep coins themselves, just stay on top of your security measures.
Behemoth said:
Coins. Personally, I don't see any benefit buying via funds which imo would expose you to potential points of failure at this early stage. The process for buying BTC, moving it between wallets and holding it securely is easy enough to muster.
bloomen said:
As far as I'm aware there are hardly any funds. There's an ETN in Sweden, GBTC which is US and has an insane premium and might be restricted to accredited investors and a couple of other obscurities scattered around Europe.
There might be some legit ETFs on the horizon but I'm not super confident they'll be approved. In the meantime anyone can buy and keep coins themselves, just stay on top of your security measures.
Thank you to both of you. Think I'll look into buying a small amount myself thenThere might be some legit ETFs on the horizon but I'm not super confident they'll be approved. In the meantime anyone can buy and keep coins themselves, just stay on top of your security measures.
+18.9% for 2016
It’s mostly in active investment funds, but also a passive fund which is part of pension lifecycle strategy.
The best performer was a north american active equity fund – up 40%
The worst was a fixed income / currencies active fund – down 6%
I’ve been a bit ‘lucky’ because in late 2015 and early 2016 I added around 30% to the size of the portfolio via AVCs. I had intended to fund this by selling holdings in my ISA but instead I dipped into my offset mortgage and never got round to selling much.
I suppose I should cash in on the market rises now to pay down the debt…..
It’s mostly in active investment funds, but also a passive fund which is part of pension lifecycle strategy.
The best performer was a north american active equity fund – up 40%
The worst was a fixed income / currencies active fund – down 6%
I’ve been a bit ‘lucky’ because in late 2015 and early 2016 I added around 30% to the size of the portfolio via AVCs. I had intended to fund this by selling holdings in my ISA but instead I dipped into my offset mortgage and never got round to selling much.
I suppose I should cash in on the market rises now to pay down the debt…..
+16.1% on the securities portfolio for FY16, low cost index trackers in S&S ISA - UK and US equities (70%), global IG bonds (20%), other bits and pieces (UK inflation-linked gilts, HY bonds 10%).
+15.4% on property (UK resi) after leverage at 60% LTV gross of interest, maintenance costs and taxes.
A rising tide floats all boats (mine included!)
+15.4% on property (UK resi) after leverage at 60% LTV gross of interest, maintenance costs and taxes.
A rising tide floats all boats (mine included!)
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