Your Investment performance for 2016.

Your Investment performance for 2016.

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Discussion

Jon39

12,782 posts

142 months

Friday 6th January 2017
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durbster said:
So has anyone not had an amazing return? hehe
Yes - everyone who believes cash and cash equivalents, are the best long-term place for their savings.

Nationwide offer 0.10% on an Instant Access account.
Unfortunately, RPI beats that (November was 2·2%), so of course they are losing money.

The numbers in the account books don't go down though, which all adds to everyone's confusion.







NickCQ

5,392 posts

95 months

Friday 6th January 2017
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durbster said:
So has anyone not had an amazing return? hehe
I imagine that there is a degree of positive selection in who responded to this thread!

alscar

3,969 posts

212 months

Friday 6th January 2017
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I will unhappily ( a bit given not a huge investment ) admit to a nearly 50% loss on my punt into Fine Wine investment although that was over a 2 year period.This was very happily over compensated for by a 1800% gain on one of my EIS investments - before it even became an EIS investment ie within 12 months.No CGT to pay as the proceeds deferred back into other EIS. Cash returned around 1.6% on the year and most other pots ( 100% fund based rather than individual picks )returned between 5% and 32% across the year once reinvested dividends and additional investment dates factored in.
Overall no idea what the total gain was as thats not how my spreadsheets are set up nor does it count given you cannot look at one year by itself.

durbster

10,223 posts

221 months

Friday 6th January 2017
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NickCQ said:
durbster said:
So has anyone not had an amazing return? hehe
I imagine that there is a degree of positive selection in who responded to this thread!
I suspect you are correct. smile

What's interesting is how many people are tracking it all on their own spreadsheets.

RichS

351 posts

213 months

Friday 6th January 2017
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alscar said:
I will unhappily ( a bit given not a huge investment ) admit to a nearly 50% loss on my punt into Fine Wine investment although that was over a 2 year period.This was very happily over compensated for by a 1800% gain on one of my EIS investments - before it even became an EIS investment ie within 12 months.No CGT to pay as the proceeds deferred back into other EIS. Cash returned around 1.6% on the year and most other pots ( 100% fund based rather than individual picks )returned between 5% and 32% across the year once reinvested dividends and additional investment dates factored in.
Overall no idea what the total gain was as thats not how my spreadsheets are set up nor does it count given you cannot look at one year by itself.
How have you found EIS investing? Have been tempted to have a dabble, but keep thinking you need to kiss a lot of frogs to make any money.

alscar

3,969 posts

212 months

Saturday 7th January 2017
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Rich , I have to say I'm a fan of EIS but always look at the underlying company and don't get swayed by the income tax relief which these days is less exciting than the 50% of old.
Over the last decade I am more than happy with them overall.
It's quite useful for deferral of other CGT potentials too.
I tend to do amounts of between £500 and £6,000 and either go solo picks or put through various
EIS specialist management companies.
I wouldn't consider it as a major part of my overall investments - just another pot to utilise.

chandler99

105 posts

131 months

Sunday 8th January 2017
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Really need to get something going as you guys mention, the standard savings account does nothing. Any advice on how to go about getting into share and funds?

NRS

22,079 posts

200 months

Sunday 8th January 2017
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chandler99 said:
Really need to get something going as you guys mention, the standard savings account does nothing. Any advice on how to go about getting into share and funds?
It depends what you want it for. You should generally be investing in them for the somewhat longer term as you can have quite big drops short term that would be a problem if you need the money quickly for say a house purchase.

The general advise on here is to use an ISA for tax reasons and then invest in a low cost global index tracker fund. The reason for this is generally in the long term managed funds don't outperform tracker index funds, and the charges are a lot less in tracker funds. In a managed fund it might be say 2% interest per year, compared to say 0.3% in a tracker fund. So it adds up when you are saving for, say, 10 years.

williaa68

1,527 posts

165 months

Sunday 8th January 2017
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durbster said:
So has anyone not had an amazing return? hehe
My return was a little over 10% which I am very happy with, but it should have been better. My key mistake was not reducing my bond holdings in October / November - I lost around 5% there. I also have a fairly high cash allocation - about 25% - but that is by choice (I plan to take it to 30% during the course of the year). Some of the cash was in CHF which helped. Given what I would see as a pretty definsive asset alocation I am very happy with where I ended up. I would be perfectly happy with half that this year. My best investments were F&C commercial property and Tritax big box both bought at the end of June. I would see both as long term holds.

anonymous-user

53 months

Sunday 8th January 2017
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NRS said:
invest in a low cost global index tracker fund. The reason for this is generally in the long term managed funds don't outperform tracker index funds, and the charges are a lot less in tracker funds. In a managed fund it might be say 2% interest per year, compared to say 0.3% in a tracker fund. So it adds up when you are saving for, say, 10 years.
If active funds are no good, how/why do so many of them still exist? scratchchin

In my opinion sensible investment in active funds should beat the trackers. I'd rather buy a car I really want than clump about in a diesel Golf just because everyone else has got one...

Fezzaman

552 posts

192 months

Sunday 8th January 2017
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rockin said:
If active funds are no good, how/why do so many of them still exist? scratchchin

In my opinion sensible investment in active funds should beat the trackers. I'd rather buy a car I really want than clump about in a diesel Golf just because everyone else has got one...
Ah but the car you really want may well cripple you with running costs, extortionate service pricing and questionable reliability; in exchange for potentially getting to your destination that bit sooner compared to that diesel Golf that everyone else has. In reality most people just want something to get them from A to B in one piece for as little as possible - besides when you're stuck on the M25 in rush hour 'oh but Sir, all the cars took 2 hours to do a mile in the current environment'. In any case both the diesel Golf and the car you really want are probably quicker/better/more reliable than taking public transport (in this analogy - the equivalent of cash savings) hehe

NRS

22,079 posts

200 months

Monday 9th January 2017
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coyft said:
alscar said:
I will unhappily ( a bit given not a huge investment ) admit to a nearly 50% loss on my punt into Fine Wine investment although that was over a 2 year period.
Fine wine has gone up almost 30% in the last year...
If it's anything like whisky you really have to buy the right bottles to get a return like that. The wrong bottles will have stayed constant or dropped in price.

anonymous-user

53 months

Monday 9th January 2017
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Remember the last 12 months of good UK investment returns have arisen largely from weakening of the UK currency. If/when the currency strengthens you can look forward to a fall on the stock market. We also have the Trump effect which markets think may be good for business even though almost nothing is known about the new president's actual "policies", if any.

So the question is - when to sell? These issues apply equally for trackers as for active investors!

NickCQ

5,392 posts

95 months

Monday 9th January 2017
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rockin said:
So the question is - when to sell? These issues apply equally for trackers as for active investors!
Not so! If I thought I could beat / time the market then I would be picking stocks rather than investing passively. I invest passively precisely because I do not believe that I have any ability to produce excess returns through applying my brain to the problem.

klmhcp

247 posts

91 months

Monday 9th January 2017
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coyft said:
alscar said:
I will unhappily ( a bit given not a huge investment ) admit to a nearly 50% loss on my punt into Fine Wine investment although that was over a 2 year period.
Fine wine has gone up almost 30% in the last year...
That's like saying 'cars have gone up in value'.

alscar

3,969 posts

212 months

Tuesday 10th January 2017
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I went into it with eyes wide open and researched various companies.
Clearly I didn't do a good job but as I said always a punt and will in future stick to things I do know about - I dont even drink red wine !

Behemoth

2,105 posts

130 months

Tuesday 10th January 2017
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alscar said:
a punt and will in future stick to things I do know about - I dont even drink red wine !
Indeed. Would you invest in cars if you didn't drive, art you don't like etc? If you don't have a basic interest in these niches, then you're unlikely to apply your mind to understanding their markets well enough to have a chance of making rational choices imo.

Stedman

7,213 posts

191 months

Tuesday 10th January 2017
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coyft said:
I am talking about the most heavily traded commodity wines that are used for investment purposes. Those that make up the Livex 50 index.
I'd like to look into wines more. Do you have any tips/websites/literature I should read? Thanks

Stedman

7,213 posts

191 months

Tuesday 10th January 2017
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coyft said:
My advice would be to only invest in wines that have trading volume. Either those that ar in the Livex50 or Livex100 index.
Only buy from VERY reputable dealers with a long standing reputation, the industry is full of scammers.

Store the wine duty free with someone like Octavian.
Thank you Coyft

klmhcp

247 posts

91 months

Tuesday 10th January 2017
quotequote all
coyft said:
klmhcp said:
coyft said:
alscar said:
I will unhappily ( a bit given not a huge investment ) admit to a nearly 50% loss on my punt into Fine Wine investment although that was over a 2 year period.
Fine wine has gone up almost 30% in the last year...
That's like saying 'cars have gone up in value'.
I am talking about the most heavily traded commodity wines that are used for investment purposes. Those that make up the Livex 50 index.
Thanks for the clarification.