Your Investment performance for 2016.

[Phooey]

I'm up but hard to calculate how much because I have a few different portfolios with different providers plus I have fiddled about with it a bit. My main winner (so far.. and touch's wood!) is Intelligent Money's PHR - I have gradually increased my stake up to the point of approx 90% of my pension pot is in it and also approx 20% of my ISA. Mine and the missus's Vanguard ISA's are showing approx +15% gains but not too sure without checking when i started them. I think overall combined ISA's and SIPP's I am certainly into double-digit gains but not as much as +20%. Need to have a bit of a reckon up. Remarkable though considering

[covmutley]

Just worked out my SIPP increase, and I'm up 35% this year. I'm thrilled with that!!

When covid hit, I got out of funds and started investing in single shares. I managed to pick up some great gains along the way, including halfords, 4d, ggp, brh, nex...

My plan is to try and hit 20% a year. I should have a very good retirement if I can do that!!

[Phooey]

covmutley said:

My plan is to try and hit 20% a year

Plus or minus?

[SS9]

Up 6.39% this year, and I'm basing that solely on reading the VLS80 factsheet (my only investment) as I've completely forgotten how I'd track this using my own figures.

I need to figure out how I work out the final figure minus platform/fund charges.

Pretty happy with a ~6% year increase... slow and steady wins the race!

[covmutley]

Phooey said:

Plus or minus?

Good point my BP shares are -40% so it really could go either way!

[TCX]

Pf up 97% not a bad year,share wise current stand out GGP,657% up Eua and Emh top performers too,avct damp squib
Recent purchases Znwd,orm,bmn looking decent

[Mr Whippy]

All time highs forever. What could possibly go wrong.

Everything up 10%+

Maybe silver isn’t, I stopped checking haha.

[mikeiow]

Phooey said:

I'm up but hard to calculate how much because I have a few different portfolios with different providers plus I have fiddled about with it a bit. My main winner (so far.. and touch's wood!) is Intelligent Money's PHR - I have gradually increased my stake up to the point of approx 90% of my pension pot is in it and also approx 20% of my ISA. Mine and the missus's Vanguard ISA's are showing approx +15% gains but not too sure without checking when i started them. I think overall combined ISA's and SIPP's I am certainly into double-digit gains but not as much as +20%. Need to have a bit of a reckon up. Remarkable though considering

90% of pension in PHR? That was brave, & perhaps very wise!
We have reasonable chunks of funds in there.....although my main pot is with Aviva, doing okay but no PHR “feature”

[95JO]

Up 26% since opening up my S&S ISA with Vanguard in February 2019. I just set up a regular contribution of £300 in to VLS100. I’m contemplating upping that figure to £500 for this year.

I should add, company pension (Aviva) up just 5% - However, it did go down to around -15%

Edited by 95JO on Friday 1st January 12:08

[Phooey]

mikeiow said:

90% of pension in PHR? That was brave, & perhaps very wise!
We have reasonable chunks of funds in there.....although my main pot is with Aviva, doing okay but no PHR “feature”

Firstly; it's not a huge pot (certainly not enough to retire on!) and secondly I put it in in lumps rather than all at once so not as sexy as it would of been if I had of put it all in on day one. My main pot is my ISA (takes preference over my SIPP) and I have approx 20% PHR within that. Because of the way IM calculate performance and the fact I have put money into PHR in one-off lumps I'm not exactly sure of the TRUE performance of PHR. I would guesstimate 15% overall (combined) across all portfolios (Mine and Missus's SIPPS, ISAs and Little Phooey's JISA). Not bad for the short time span... but as ever *it's not a profit until banked* so realise it could go either way from here on. Fingers crossed for 2021!

[Stedman]

Can you not look at the purchase price and work out from there?

[Countdown]

Possibly I'm the worst investor on PH but overall my current investments (starting in 2010 with all dividends reinvested) are equal to the amount I've actually paid in. To put it another way, if I had paid in £100k over the last 10 years my current portfolio is worth.....£100k

This obviously means that I'm down a fair amount over the last year (possibly as much as 15%). On the bright side I've still got years left to retirement so hopefully there is plenty of time for the investments to recover.

[BobToc]

Given how markets have performed over the last decade that is kind of incredible. What have you held?

[Countdown]

BobToc said:

Given how markets have performed over the last decade that is kind of incredible. What have you held?

Just looking at my App Ive got shares in

HSBC
Shell
Vodafone
Aviva
SGRO (which has actually gone up 500%)
MAN group
Centrica
Galliford Try

Over the last 4 years Ive bought the following

VUKE
VERX
VHYL
VWRL

HSBC and Shell have been the biggest losers for me.

[BobToc]

Gotcha. I’m pretty much 100% VWRL.

[GT03ROB]

Countdown said:

Possibly I'm the worst investor on PH but overall my current investments (starting in 2010 with all dividends reinvested) are equal to the amount I've actually paid in. To put it another way, if I had paid in £100k over the last 10 years my current portfolio is worth.....£100k

This obviously means that I'm down a fair amount over the last year (possibly as much as 15%). On the bright side I've still got years left to retirement so hopefully there is plenty of time for the investments to recover.

I hope you haven't invested 100k, that is dire.

[red_slr]

Countdown said:

Possibly I'm the worst investor on PH but overall my current investments (starting in 2010 with all dividends reinvested) are equal to the amount I've actually paid in. To put it another way, if I had paid in £100k over the last 10 years my current portfolio is worth.....£100k

This obviously means that I'm down a fair amount over the last year (possibly as much as 15%). On the bright side I've still got years left to retirement so hopefully there is plenty of time for the investments to recover.

Over 10 years, thats a big problem. What platform do you use, are they taking massive fees?
Is this a SIPP / WPP / ISA?

Need more info!

[Countdown]

red_slr said:

Over 10 years, thats a big problem. What platform do you use, are they taking massive fees?
Is this a SIPP / WPP / ISA?

Need more info!

Via a First Direct S&S platform (they charge £11/qtr). The majority is in an ISA, and the majority of investments are in Vanguard trackers. I can see what my biggest losers are (I bought HSBC at approx £5.50 a share average, it’s now trading at under £4,,,,I think about 10% of my portfolio is in HSBC)

To be fair the amount I had to invest at the beginning was relatively small (less than £5k per annum). It increased a lot over the last few years so I’d say probably 70% of my investments have been over the last 3-4 years.

[red_slr]

I would have a real drill down into what you have, how its performed and consider a reorg.
Single stocks are a big risk, so thats what I would look at first. Also if you are buying vanguard funds then consider doing so through vanguard...
They charge 0.22% on their VLS funds. Check your current provider dont charge an OCF... plus their quarterly fee...

[Mr Pointy]

Countdown said:

Via a First Direct S&S platform (they charge £11/qtr). The majority is in an ISA, and the majority of investments are in Vanguard trackers. I can see what my biggest losers are (I bought HSBC at approx £5.50 a share average, it’s now trading at under £4,,,,I think about 10% of my portfolio is in HSBC)

To be fair the amount I had to invest at the beginning was relatively small (less than £5k per annum). It increased a lot over the last few years so I’d say probably 70% of my investments have been over the last 3-4 years.

As everyone else has said if you've seen no increase over the sum invested over 10 years that's really bad & setting you up for a very difficult time in the future. You say that the majority has been invested over the last 4 years; well over the last 3 years the most defensive IM Optimum fund went up by 13.6% & over 5 years it went up 32% (I'm using those funds are the numbers are in front of me). Fundsmith currently has an annualised return of 18.2% per year.

I'd suggest you consider getting out of single shares & get your money into funds that actually have some chance of increasing in value. Time in the market is key & you've lost 10 years already.