Your Investment performance for 2016.
Discussion
Behemoth said:
Bitcoin was the star performer for me, too. Although it was initially a small and very high risk component of my investment portfolio a few years ago, it appreciated at an astonishing rate through 2016. News of it reaching $1k over the NY weekend will soon reach mass media. This will no doubt foment a further spike and maybe a rebound, but there's a profound underlying strength in it as a reliable long term store of value. £1k per 1 BTC doesn't seem far off.
Good on you Behemoth! Glad you've done well. £1k a bitcoin will be eaten up soon enough. Also it no longer (imo) deserves to be classed high risk, once you truely understand not only bitcoin but why it's relevant in the first place (global political and economic hedge) , it's far closer to being a safe haven asset than high risk now tbh.
It's amazing how much the narrative around bitcoin has changed in the last couple years, even mainstream media can't slander it anymore.
That being said, Monero was by far my personal best performer for 2016, up well over 2,000 %
Michael H
Hainey said:
I've started putting an hour a day into it as I was fed up feeling like I was paying people who were letting me down and doing so with no comeback, but that's a whole other thing. My wife is in the industry and I've met with some on of the people out there who research and recommend funds for a living and to be frank (and I apologise if this sounds arrogant) lets just say they are ordinary people like you and I and leave it at that. Ray Dalio they were not but then, who is? Nobody. That's why Ray is Ray.
Interestingly, the funds that helped me to my return are the ones not on many peoples recommended list. The ones I'm looking at for next year aren't either.
I'm 60% low cost trackers, 10% bonds and 30% managed funds.
I'm not comfortable going into individual funds as I don't want to be responsible for anyone putting a penny of their money into something based one what some random on the internet says, but I know I can't make claims like that without getting called on it by someone for a tidbit.
Interestingly, the funds that helped me to my return are the ones not on many peoples recommended list. The ones I'm looking at for next year aren't either.
I'm 60% low cost trackers, 10% bonds and 30% managed funds.
I'm not comfortable going into individual funds as I don't want to be responsible for anyone putting a penny of their money into something based one what some random on the internet says, but I know I can't make claims like that without getting called on it by someone for a tidbit.
I am slightly puzzled Hainey, because you have a view on the fund industry (agree), but you still invest in funds.
With the portfolio size that you mention, you could easily have sufficient spread of risk, by having part ownership of businesses directly.
Twenty holdings are quite enough, and of course many FTSE100 companies are international for geographic exposure.
At present the US Dollar large UK companies, are benefiting by the Sterling value change, with +20% dividend increases.
Sorry to mention exceeding your 18% last year, and that was with changes to only two holdings, both takeovers. Therefore no transaction costs throughout 2016. It all helped the final percentage.
Best of luck for 2017.
Edited by Jon39 on Monday 2nd January 19:52
Jon39 said:
I am slightly puzzled Hainey, because you have a view on the fund industry (agree), but you still invest in funds.
With the portfolio size that you mention, you could easily have sufficient spread of risk, buy having part ownership of businesses directly.
Twenty holdings are quite enough, and of course many FTSE100 companies are international for geographic exposure. At present the US Dollar UK businesses, are benefiting with +20% dividend increases.
Sorry to mention exceeding your 18% last year, and that was with changes to only two holdings, both takeovers, so no transaction costs throughout 2016. It all helps the final percentage.
Best of luck for 2017.
I simply do what I do and feel better knowing that no matter how it pans out, it's been through my thought process and using initiatives true to my own take on everything and anything.
I say again, a wholehearted congratulations on your result and the scarcity of time it took you to achieve it. Very best of luck for the coming year for you and yours.
Hainey said:
Jon I am genuinely puzzled why you say your sorry to mention you exceeded my 18% as I'm very happy for you - you hadn't even came up on my radar until I read your post above. Seriously. I'm an absolute amateur and I'm happy for anyone who does well in any capacity.
I simply do what I do and feel better knowing that no matter how it pans out, it's been through my thought process and using initiatives true to my own take on everything and anything.
I say again, a wholehearted congratulations on your result and the scarcity of time it took you to achieve it. Very best of luck for the coming year for you and yours.
I simply do what I do and feel better knowing that no matter how it pans out, it's been through my thought process and using initiatives true to my own take on everything and anything.
I say again, a wholehearted congratulations on your result and the scarcity of time it took you to achieve it. Very best of luck for the coming year for you and yours.
Thank you Hainey, for your kind words.
When I am back at my PC, I can complete the 2016 figures and charts.
Will do a topic to outline the results, just in case it might be helpful to anyone.
Many of my 29 investment years have included unexpected events, but at least we can now count the sudden Sterling decline as a positive.
To borrow a football saying, 2016 was certainly an investment year of two halves.
Jon you are vastly more experienced than I at this so anything you put up I'd be happy to read and possibly ask you for guidance on.
I'm moving more and more into lower cost trackers and only using funds I really think will outstrip a tracker and justify the fee and those are thin on the ground. I have an idea for a few but as we all know nothings guaranteed.
As for the pound devaluing, I'm all for that as I think it was hurting the economy being at the level it was. I also conduct my business sales in US dollars as I sell worldwide and I've seen business improve since the Brexit vote as my product is relatively more affordable.
Anyway I say again a hearty good luck for 2017
I'm moving more and more into lower cost trackers and only using funds I really think will outstrip a tracker and justify the fee and those are thin on the ground. I have an idea for a few but as we all know nothings guaranteed.
As for the pound devaluing, I'm all for that as I think it was hurting the economy being at the level it was. I also conduct my business sales in US dollars as I sell worldwide and I've seen business improve since the Brexit vote as my product is relatively more affordable.
Anyway I say again a hearty good luck for 2017
I’ve been tracking the performance of my Pension and Stock/Shares Isa since Feb 2016 and to date have a return of just under 40% for a well into 6 figures investment. Not selected by me I may add, but my Financial advisor. All in low cost trackers, Dimensional and Vanguard. More than happy with that. But in for the long term so doesn’t really matter at the moment.
Edited by SMar on Tuesday 3rd January 10:52
SMar said:
I’ve been tracking the performance of my Pension and Stock/Shares Isa since Feb 2016 and to date have a return of just under 40% for a well into 6 figures investment. All in low cost trackers, Dimensional and Vanguard.
Could be good; could be bad. Depends on timescale.What you really need to know is your "annualised return". In other words, your average percentage return per year. Your adviser should be giving you this crucial information. The headline % on its own is pretty meaningless.
SMar said:
I’ve been tracking the performance of my Pension and Stock/Shares Isa since Feb 2016 and to date have a return of just under 40% for a well into 6 figures investment. Not selected by me I may add, but my Financial advisor. All in low cost trackers, Dimensional and Vanguard. More than happy with that. But in for the long term so doesn’t really matter at the moment.
Your portfolio has achieved an investment return of over 40% since February, invested in Tracker funds etc?Edited by SMar on Tuesday 3rd January 10:52
Are you sure?!
sidicks said:
SMar said:
I’ve been tracking the performance of my Pension and Stock/Shares Isa since Feb 2016 and to date have a return of just under 40% for a well into 6 figures investment. Not selected by me I may add, but my Financial advisor. All in low cost trackers, Dimensional and Vanguard. More than happy with that. But in for the long term so doesn’t really matter at the moment.
Your portfolio has achieved an investment return of over 40% since February, invested in Tracker funds etc?Edited by SMar on Tuesday 3rd January 10:52
Are you sure?!
Depending on what date I take in February it does show a growth in excess of 40%
However across a balanced portfolio of well into 6 figures I'd share your surprise.
GT03ROB said:
sidicks said:
SMar said:
I’ve been tracking the performance of my Pension and Stock/Shares Isa since Feb 2016 and to date have a return of just under 40% for a well into 6 figures investment. Not selected by me I may add, but my Financial advisor. All in low cost trackers, Dimensional and Vanguard. More than happy with that. But in for the long term so doesn’t really matter at the moment.
Your portfolio has achieved an investment return of over 40% since February, invested in Tracker funds etc?Edited by SMar on Tuesday 3rd January 10:52
Are you sure?!
Depending on what date I take in February it does show a growth in excess of 40%
However across a balanced portfolio of well into 6 figures I'd share your surprise.
sidicks said:
SMar said:
I’ve been tracking the performance of my Pension and Stock/Shares Isa since Feb 2016 and to date have a return of just under 40% for a well into 6 figures investment. Not selected by me I may add, but my Financial advisor. All in low cost trackers, Dimensional and Vanguard. More than happy with that. But in for the long term so doesn’t really matter at the moment.
Your portfolio has achieved an investment return of over 40% since February, invested in Tracker funds etc?Are you sure?!
Presumably the tracking was of an overseas market.
The FTSE All-Share did hit the 2016 low in February (roughly -9%), but it did not then grow by 40% to the year end, even with dividend income included.
If the UK market grew by 40% in just ten months, I would be more worried than pleased.
You might remember that type of sequence in 1987, but those of you who are younger, search 'Black Monday'. Tremendous panic selling around the world. Ironically, those who sat it out, saw the market end the year about 4% up. Following the herd is the easy response, but sometimes completely the wrong action.
Edited by Jon39 on Tuesday 3rd January 17:37
rockin said:
GT03ROB said:
Depending on what date I take in February it does show a growth in excess of 40%
One can only wonder just how BAD the performance must have been before that miraculous revival.Annualised return is key.
Finished my first year year of "proper" investing - I say proper as part of it is luck although I try and minimise this. Learnt a lot as I have gone along.
I'd started with a few funds in my bank and was regularly saving in these. They went up higher than I'd have earned interest in a bank account, but after learning more I realised they were charging very high running fees for what they were. So I sold out of these part of the way through the year and now am spilt between 3 funds - most of the savings into a global tracker, part into a technology fund and the rest into a 50/50 shares/bank account fund.
I have also been doing some investments in individual companies, with a big change in strategy part of the way through the year after learning my lesson on doing something stupid that is obvious to many of you. I started out "daily" trading and so between the losses in some companies and transaction costs I only made around 5% in the end... (not considering tax - the scary thing is seeing I spent £2000 on transaction costs!!!!). I also was mainly buying companies on a downtrend to try and buy "cheap" - which again was stupid!
However since around 1/2 through the year I have switched strategies and have been investing in companies longer term and in companies going up and have done "well" (approximately 28% up, so quite similar to the general markets). I'm also up 16% in my company share saving scheme, but will get bonus shares shortly so it's around 36%pa after tax for the last 2 years, plus more from the dividend. My "individual companies" money is now approximately split 50/50% between cash and shares as I think the market will probably undergo a correction at some point.
On a non-share side I have done well in whisky, which is not an investment as such, but if I have a bottle which goes to a silly price I just sell them and buy something I'll enjoy just as much for cheaper that hasn't got a "name". I've had over 400% on some of them for example.
I'd started with a few funds in my bank and was regularly saving in these. They went up higher than I'd have earned interest in a bank account, but after learning more I realised they were charging very high running fees for what they were. So I sold out of these part of the way through the year and now am spilt between 3 funds - most of the savings into a global tracker, part into a technology fund and the rest into a 50/50 shares/bank account fund.
I have also been doing some investments in individual companies, with a big change in strategy part of the way through the year after learning my lesson on doing something stupid that is obvious to many of you. I started out "daily" trading and so between the losses in some companies and transaction costs I only made around 5% in the end... (not considering tax - the scary thing is seeing I spent £2000 on transaction costs!!!!). I also was mainly buying companies on a downtrend to try and buy "cheap" - which again was stupid!
However since around 1/2 through the year I have switched strategies and have been investing in companies longer term and in companies going up and have done "well" (approximately 28% up, so quite similar to the general markets). I'm also up 16% in my company share saving scheme, but will get bonus shares shortly so it's around 36%pa after tax for the last 2 years, plus more from the dividend. My "individual companies" money is now approximately split 50/50% between cash and shares as I think the market will probably undergo a correction at some point.
On a non-share side I have done well in whisky, which is not an investment as such, but if I have a bottle which goes to a silly price I just sell them and buy something I'll enjoy just as much for cheaper that hasn't got a "name". I've had over 400% on some of them for example.
Edited by NRS on Tuesday 3rd January 16:22
Pension wise, I started taking this a bit more seriously this year so increased my contributions and chose some funds off my own back rather than the selected funds provided by my company scheme.
From the start of March, when I diversified the funds being invested in to, my funds achieved 18.74% overall. I left the fund my provider had been investing in as one of the 5 I was paying in to, it did 17.47% within the same period. The other 4 were everywhere between 6.07% and 30.36%.
Sadly [shamefully?], its a pretty small pot, the annual rate of return for 2016 was 15.20%
I took voluntary redundancy at the end of July and am starting the new job hunt now. One of my new years resolutions was to seriously improve my pension provision over the next 2 years when I get a new job.
On my share investments, portfolio valueplus dividends adds up to a 71.25% increase. Too bad we're only talking about £3k in total. Haven't faffed around fully calculating currency fluctuation on that [1 holding is EUR and 1 USD], havent included dividends, I'm also running 5/1/16 vs 3/1/17 as the former was already on my sheet and cant be bothered looking up prices from Friday.
[edit, no it doesn't include dividends like I said later in the same paragraph]
From the start of March, when I diversified the funds being invested in to, my funds achieved 18.74% overall. I left the fund my provider had been investing in as one of the 5 I was paying in to, it did 17.47% within the same period. The other 4 were everywhere between 6.07% and 30.36%.
Sadly [shamefully?], its a pretty small pot, the annual rate of return for 2016 was 15.20%
I took voluntary redundancy at the end of July and am starting the new job hunt now. One of my new years resolutions was to seriously improve my pension provision over the next 2 years when I get a new job.
On my share investments, portfolio value
[edit, no it doesn't include dividends like I said later in the same paragraph]
Edited by emicen on Tuesday 3rd January 20:10
Jon39 said:
sidicks said:
SMar said:
I’ve been tracking the performance of my Pension and Stock/Shares Isa since Feb 2016 and to date have a return of just under 40% for a well into 6 figures investment. Not selected by me I may add, but my Financial advisor. All in low cost trackers, Dimensional and Vanguard. More than happy with that. But in for the long term so doesn’t really matter at the moment.
Your portfolio has achieved an investment return of over 40% since February, invested in Tracker funds etc?Are you sure?!
Presumably the tracking was of an overseas market.
The FTSE All-Share did hit the 2016 low in February (roughly -9%), but it did not then grow by 40% to the year end, even with dividend income included.
If the UK market grew by 40% in just ten months, I would be more worried than pleased.
You might remember that type of sequence in 1987, but those of you who are younger, search 'Black Monday'. Tremendous panic selling around the world. Ironically, those who sat it out, saw the market end the year about 4% up. Following the herd is the easy response, but sometimes completely the wrong action.
Edited by Jon39 on Tuesday 3rd January 17:37
emicen said:
Pension wise, I started taking this a bit more seriously this year so increased my contributions and chose some funds off my own back rather than the selected funds provided by my company scheme.
From the start of March, when I diversified the funds being invested in to, my funds achieved 18.74% overall. I left the fund my provider had been investing in as one of the 5 I was paying in to, it did 17.47% within the same period. The other 4 were everywhere between 6.07% and 30.36%.
Sadly [shamefully?], its a pretty small pot, the annual rate of return for 2016 was 15.20%
I took voluntary redundancy at the end of July and am starting the new job hunt now. One of my new years resolutions was to seriously improve my pension provision over the next 2 years when I get a new job.
On my share investments, portfolio value plus dividends adds up to a 71.25% increase. Too bad we're only talking about £3k in total. Haven't faffed around fully calculating currency fluctuation on that [1 holding is EUR and 1 USD], havent included dividends, I'm also running 5/1/16 vs 3/1/17 as the former was already on my sheet and cant be bothered looking up prices from Friday.
Where do you get 71.25% increase from?From the start of March, when I diversified the funds being invested in to, my funds achieved 18.74% overall. I left the fund my provider had been investing in as one of the 5 I was paying in to, it did 17.47% within the same period. The other 4 were everywhere between 6.07% and 30.36%.
Sadly [shamefully?], its a pretty small pot, the annual rate of return for 2016 was 15.20%
I took voluntary redundancy at the end of July and am starting the new job hunt now. One of my new years resolutions was to seriously improve my pension provision over the next 2 years when I get a new job.
On my share investments, portfolio value plus dividends adds up to a 71.25% increase. Too bad we're only talking about £3k in total. Haven't faffed around fully calculating currency fluctuation on that [1 holding is EUR and 1 USD], havent included dividends, I'm also running 5/1/16 vs 3/1/17 as the former was already on my sheet and cant be bothered looking up prices from Friday.
sidicks said:
Where do you get 71.25% increase from?
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;
| 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.
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