Are you happy with your 2019 investment result ?
Discussion
With the closing of the London Stock Exchange at lunchtime today, another investment year is over.
Equity investment always has uncertain annual outcomes, although the longer term results tends to be steadier.
Even ending the year in positive territory is enough for me, but this year my result was above my long-term average, so very happy with that.
2019 Result = + 21·60%, with the total dividends increasing by 3·60%
Top two positions: Premier Oil +47·7% and Melrose +46·6%.
Bottom two positions: Centrica -33·9% and Appreciate -24·9%.
Once again there were no changes to my holdings this year.
Average long-term annual growth rate is now +12·51% over 32 years.
£1,000 invested in 2000 would now be worth £5,125.
I find the start of every new year fascinating, because every holding starts again on the league table +0·00%, and it is impossible to predict which will have done well, or badly by the year end. Sometimes the worst in one year becomes good, but there is no way of knowing.
The FTSE All-Share Index was +14·19%, so a good year for the overall market.
With equities nothing is guaranteed of course, but hope you all had good results.
Jon39 said:
With the closing of the London Stock Exchange at lunchtime today, another investment year is over.
Equity investment always has uncertain annual outcomes, although the longer term results tends to be steadier.
Even ending the year in positive territory is enough for me, but this year my result was above my long-term average, so very happy with that.
2019 Result = + 21·60%, with the total dividends increasing by 3·60%
Top two positions: Premier Oil +47·7% and Melrose +46·6%.
Bottom two positions: Centrica -33·9% and Appreciate -24·9%.
Once again there were no changes to my holdings this year.
Average long-term annual growth rate is now +12·51% over 32 years.
£1,000 invested in 2000 would now be worth £5,125.
I find the start of every new year fascinating, because every holding starts again on the league table +0·00%, and it is impossible to predict which will have done well, or badly by the year end. Sometimes the worst in one year becomes good, but there is no way of knowing.
The FTSE All-Share Index was +14·19%, so a good year for the overall market.
With equities nothing is guaranteed of course, but hope you all had good results.
Out of interest, how does your long term return of 12.51% stack up against the likes of the FTSE all share over 30 years - or even a global tracker?
trowelhead said:
Congrats on the returns - are they after fees / trading costs?
Out of interest, how does your long term return of 12.51% stack up against the likes of the FTSE all share over 30 years - or even a global tracker?
Out of interest, how does your long term return of 12.51% stack up against the likes of the FTSE all share over 30 years - or even a global tracker?
Kind of you to congratulate me, but I didn't do anything apart from keep weekly records. My thanks always go to the business employees.
There were no trading costs, because there were no changes in 2019. There are some ISA fees not included, but are negligible, so make hardly any difference.
The long-term return is probably ahead of the FTSE All-Share Index, but my figure includes dividends received (but not reinvested), whereas the basic Index does not include dividends, so not directly comparable. There is now an index including income, but I was not aware of one 30 years ago.
Imasurv said:
I think a lot of 2019 figures will look good as the falls at the end of 2018 put 2019 into context. How did your funds do in 2018? The FT 100 is still lower than the peaks of 2018.... Saying that, good to see positive numbers!
2018 was not a good year for me. You may have noticed that investors tend not to talk too much about the downs.
It pulled my long-term average down from 13.96% at the start of 2018, to 12.23% by the end. There are bound to be some down years in this 'game'.
cadmunkey said:
I did okay this year, +29.07% including fees, beating the FTSE all share by just under 15%. That's all I aim to do year in year out otherwise you may as well just buy a tracker.
An excellent result. Well done.How many businesses do you like to hold in your portfolio, and do you favour very long-term equity investment.
Were you investing during the dot com bubble and the great crash which began in 2007? Character forming !
Jon39 said:
Imasurv said:
I think a lot of 2019 figures will look good as the falls at the end of 2018 put 2019 into context. How did your funds do in 2018? The FT 100 is still lower than the peaks of 2018.... Saying that, good to see positive numbers!
2018 was not a good year for me. You may have noticed that investors tend not to talk too much about the downs.
It pulled my long-term average down from 13.96% at the start of 2018, to 12.23% by the end. There are bound to be some down years in this 'game'.
ISA No1 - consists of approx 30 funds - 01/01/19 to 01/01/20.
+12.31 (after fees of approx 2-2.5%)
2 best gaining funds-
HSBC FTSE 250 INDEX C ACC +24.8
BAILLIE GIFFORD EMERGING MARKETS LNG CS B ACC +25.72
2 worst losing funds-
M+G Feeder of Property -7.88
LF Equity Income Z -21.9
Notes: LF Equity makes up 4.10% of overall portfolio so above figure/gain of +12.31 will probably be less when WF is sold. Also holding Aberdeen UK Property Feeder - down similar to M+G Property = 7.68
ISA No2 is pretty much similar to ISA No1 (same investment company = same 30 funds but must be slightly different weightings / fee structure?) +11.74%
Both ISAs are apparently "Adventurous" = their riskiest portfolio.
Total fees are approx 2-2.5%
Also opened an Intelligent Money ISA mid-2019 (IM Optimum GG). Don't know percentage% as no option to view (hopefully IM will add this at a later date!) but £7000 in (£1000/monthly) and now worth £7324.31. Is there a way to work out a "true" %?
+12.31 (after fees of approx 2-2.5%)
2 best gaining funds-
HSBC FTSE 250 INDEX C ACC +24.8
BAILLIE GIFFORD EMERGING MARKETS LNG CS B ACC +25.72
2 worst losing funds-
M+G Feeder of Property -7.88
LF Equity Income Z -21.9
Notes: LF Equity makes up 4.10% of overall portfolio so above figure/gain of +12.31 will probably be less when WF is sold. Also holding Aberdeen UK Property Feeder - down similar to M+G Property = 7.68
ISA No2 is pretty much similar to ISA No1 (same investment company = same 30 funds but must be slightly different weightings / fee structure?) +11.74%
Both ISAs are apparently "Adventurous" = their riskiest portfolio.
Total fees are approx 2-2.5%
Also opened an Intelligent Money ISA mid-2019 (IM Optimum GG). Don't know percentage% as no option to view (hopefully IM will add this at a later date!) but £7000 in (£1000/monthly) and now worth £7324.31. Is there a way to work out a "true" %?
Edited by Phooey on Wednesday 1st January 09:30
Yes. Up 10.24% with one of the robo advisers (not Nutmeg). Beats a single digit percentage loss last year with Nutmeg. The tiny number of shares I have in a supermarket on account of working there as a student have gone down in value slightly but are up with dividends included.
I’m still fairly new to the investing game and take a fairly low risk approach so things and spread over an array of funds, with a little under half being of stocks. Might consider taking a slightly more hands on approach in future and move to Vanguard or similar.
I’m still fairly new to the investing game and take a fairly low risk approach so things and spread over an array of funds, with a little under half being of stocks. Might consider taking a slightly more hands on approach in future and move to Vanguard or similar.
I think I'm on something like 13% though it's difficult to be absolutely sure as platforms don't keep track of rate of return taking into account contributions and sells/swaps.
I know it's been a good year given I'm positioned pretty defensively and it's certainly an eye opener compared to cash sitting in the bank (then again that never shows a loss so at some point I'll be in for an unwanted eye opener I'm sure).
I know it's been a good year given I'm positioned pretty defensively and it's certainly an eye opener compared to cash sitting in the bank (then again that never shows a loss so at some point I'll be in for an unwanted eye opener I'm sure).
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hstewie said:
hstewie said:Dave. said:
I must be doing something wrong!
I've been chucking bits into a few Vanguard funds since September, currently I'm -0.02%.
I wasn't expecting miracles, but Jesus!
I did win £9 on £4 of scratchcards last night, maybe that's the way to go...
Which ones?I've been chucking bits into a few Vanguard funds since September, currently I'm -0.02%.
I wasn't expecting miracles, but Jesus!
I did win £9 on £4 of scratchcards last night, maybe that's the way to go...
Im up 12.8% for the year after fees / charges. Im very happy with that - I'm almost 20% cash / near cash (although I appreciate some would regard bank CoCo's as a long way from "near cash"!). My best performing asset this year was an SMI (swiss market index) tracker - bought because i used to have a lot of chf and i wanted something which still gave me chf exposure but some yield. My worst was Syncona, down 19%.
This has been a very good decade. I feel very lucky to have had a little bit of money at the start of it and learned some good lessons along the way.
This has been a very good decade. I feel very lucky to have had a little bit of money at the start of it and learned some good lessons along the way.
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