Your 2021 performance

[FastNLoud]

I have always enjoyed reading these threads in previous years. How has your portfolio faired in 2021?

Assuming not much happens today I will be up 29% after fee's which I'm very happy with. I'm primarily in passive index trackers.

[RichTT]

This year has been absolutely silly in terms of gains.

2021 net worth increase of 34%.

Assets (house, cars etc) up 42%
Investments up 29%

Edited by RichTT on Friday 31st December 17:15

[williaa68]

That is indeed impressive. I’m up 10.1%, which I’m also very happy with as I am somewhat bearish and so trimmed some of my more aggressive positions during the year and am about 40% cash or index linked gilts (or a few old index linked national savings certificates - how I wish they still did those). Best performing stock is tritax big box reit, up about 48%. Worst was syncona, down about 19%. One good decision I made last year was selling my vanguard 60/40 fund and buying various ITs instead. The vanguard fund made 10%, the IT basket closer to 20. I do think the traditional 60/40 portfolio is dead. Next year may be tricky I think.

[rossub]

One for the little, non powerful guys - only started investment life in May, dripping £2-300 per month.

[Groat]

Rents never been higher, values highest ever, demand never been stronger. So yeah, 2021 was just great

[anonymous-user]

williaa68 said:

That is indeed impressive. I’m up 10.1%, which I’m also very happy with as I am somewhat bearish and so trimmed some of my more aggressive positions during the year and am about 40% cash or index linked gilts (or a few old index linked national savings certificates - how I wish they still did those). Best performing stock is tritax big box reit, up about 48%. Worst was syncona, down about 19%. One good decision I made last year was selling my vanguard 60/40 fund and buying various ITs instead. The vanguard fund made 10%, the IT basket closer to 20. I do think the traditional 60/40 portfolio is dead. Next year may be tricky I think.

Excuse my ignorance, what’s ITs? Investment Trusts? I dabble with vanguard funds just now but looking to take a bit more risk.

[Simpo Two]

RichTT said:

Assets (house, cars etc) up 42%

Blimey, how did you do that?

[anonymous-user]

Bluewhale Growth R inc 19.95% up.

I'm happy with that. Mrs Spoon and even Junior Spoon have a S&S isa with the same fund (all eggs one basket and that)
Spoon household up almost £10k from 2021. Watch it all disappear in 2022.

[dingg]

Simpo Two said:

RichTT said:

Assets (house, cars etc) up 42%

Blimey, how did you do that?

Creative accounting :-)

[vulture1]

10% maybe this year but started at a high in jan that took a heavy dive and only recovered later on.

[RichTT]

Simpo Two said:

Blimey, how did you do that?

Don't ask me, ask the money printers in Westminster and around the world. Asset prices on a meteoric rise in value.

House - Natwest valuation against HPI. It's meaningless of course until I sell. But as an asset, it has theoretically appreciated 17% in 2 years. Average house price in the UK is now 250k.
Cars - second hand valuations against liabilities means falsely appreciating assets as well.
Watches - Up 15% against purchase price.

Swapping cash for assets in an appreciating and inflating market was the way forward over the last 2 years for sure.

Pension - compared to the low in March 2020 it's increased in value by 68%. Even against the January of 2020 it's up 35%. So 17.5% increase per year.

I certainly don't feel any richer. Monthly take home hasn't increased, in fact over 2 years it's probably worth 15% less.

Edited by RichTT on Saturday 1st January 06:19

[bitchstewie]

Not the best at keeping accurate numbers but approx 10% which feels a very good return given I'm pretty cautiously invested.

[Resto157]

Another one of the smaller portfolios, could someone
please help me out with a return percentage. Started the year with £23350, added £250 a month. Ended the year on £31,953 what formula is used to calculator? The monthly contribution is throwing me.

[springfan62]

Simpo Two said:

Blimey, how did you do that?

Probably by having loads of debt. Its called gearing works well in the good times, can be disastrous in the bad times.

[anonymous-user]

Resto157 said:

Another one of the smaller portfolios, could someone
please help me out with a return percentage. Started the year with £23350, added £250 a month. Ended the year on £31,953 what formula is used to calculator? The monthly contribution is throwing me.

If you have the monthly balances also it’s quite simple. Google Time Weighted Rate of Return. If not, you can figure out the IRR that would discount the end balance and monthly contributions back the the start balance. That’s latter approach is for XL wizards unless the fact that your contributions are the same each month means that there’s a simple method I don’t know about.

[Mr Whippy]

Yeah I’m not celebrating yet.

From this time two years ago my numbers have all got bigger, but so have everyone else’s, and so have all the numbers on the stuff I need to live.

My assets/savings are probably not much changed in relation to my monthly/yearly liabilities/costs.


Let’s see how all the price rises pan out.

[bitchstewie]

Resto157 said:

Another one of the smaller portfolios, could someone
please help me out with a return percentage. Started the year with £23350, added £250 a month. Ended the year on £31,953 what formula is used to calculator? The monthly contribution is throwing me.

You could get handy with Excel but there's a basic calculator here which should put you there or there about.

https://www.rateofreturnexpert.com/time-weighted-r...

[anonymous-user]

Hang On said:

Resto157 said:

Another one of the smaller portfolios, could someone
please help me out with a return percentage. Started the year with £23350, added £250 a month. Ended the year on £31,953 what formula is used to calculator? The monthly contribution is throwing me.

If you have the monthly balances also it’s quite simple. Google Time Weighted Rate of Return. If not, you can figure out the IRR that would discount the end balance and monthly contributions back the the start balance. That’s latter approach is for XL wizards unless the fact that your contributions are the same each month means that there’s a simple method I don’t know about.

One more thought. If you don’t have the monthly records you could do a quick and dirty this way.

1. Take a good guess at the return. So if you were broadly in S&P 500, you’d be around 28%.

2. Use that to calculate a monthly discount factor. So the 12th root of 1.28 is approx 1.021.

3. Use that to discount the contributions. 250/1.021 + 250/1.021^2 + 250/1.021^3+……….+ 250/1.021^12

4. Add the sum of that series to your start balance and calculate a simple return from end/beginning.

The result will not be perfect but you can do it on a pocket calculator.

[RDMcG]

Hard not to make money in this crazy market. ApArt from portfolio growth of 22% did three deals to sell companies and made money there. Houses up 20% also. So net worth up over 30%.

I very much doubt that 2022 will be a shadow of that .

[williaa68]

zj2016 said:

williaa68 said:

That is indeed impressive. I’m up 10.1%, which I’m also very happy with as I am somewhat bearish and so trimmed some of my more aggressive positions during the year and am about 40% cash or index linked gilts (or a few old index linked national savings certificates - how I wish they still did those). Best performing stock is tritax big box reit, up about 48%. Worst was syncona, down about 19%. One good decision I made last year was selling my vanguard 60/40 fund and buying various ITs instead. The vanguard fund made 10%, the IT basket closer to 20. I do think the traditional 60/40 portfolio is dead. Next year may be tricky I think.

Excuse my ignorance, what’s ITs? Investment Trusts? I dabble with vanguard funds just now but looking to take a bit more risk.

Yes indeed investment trusts. They are a bit more complicated / specialised than regular unit trusts or etfs but can have certain advantages, particularly if you can buy at a discount to their net asset value, although some of those discounts can be very persistent!