Would YOU have made/lost more with a cheap global tracker?
Discussion
Ok, so we've had the "Your 2021/2020/2019.. performance" threads. Multiple "which tech fund" threads. Many "IFA" threads. etc etc etc.
I don't think we've yet had a "Would YOU have more money in your portfolio today had you followed a simple low-cost (non-IFA advised) Global tracker from the start of your investing journey"
Interested to hear how many beat the Global tracker and how many didn't
Me - Been investing on and off for 25yrs - started with an IFA - investing more regularly this past 10yrs. Failed to beat a Global tracker.
I don't think we've yet had a "Would YOU have more money in your portfolio today had you followed a simple low-cost (non-IFA advised) Global tracker from the start of your investing journey"
Interested to hear how many beat the Global tracker and how many didn't
Me - Been investing on and off for 25yrs - started with an IFA - investing more regularly this past 10yrs. Failed to beat a Global tracker.
NowWatchThisDrive said:
I use a day 0 of start of 2002. Before then, I'd messed around a bit in punter rubbish with play money, but after a few years working in the industry I'd learned enough to realise that if I didn't want to try and do it properly, I'd better off just finding another hobby. So I've invested aggressively ever since and carved out something of a stockpicking style/philosophy over time.
Worked in markets throughout til fairly recently so admittedly benefited from having constant exposure, smart people to learn from, and capital to invest. I've never owned funds or used advisers, but it's my vocation and main hobby so I probably spend 70-80hrs a week plugged into markets through research/following companies/analysis etc.
Running at just under 18% annualised total return since inception (5Y and 10Y both ~20%) which is a level of outpermance I'm happy with though always working to improve. It's a continuous learning process and I've had drawdowns and a few howlers along the way, but it's been mostly enjoyable and hugely beneficial to my life so I'm happy.
Nice to try and remember the good stuff during a day(/month) like this one!
Well I'd be delighted with that performance and consistency.Worked in markets throughout til fairly recently so admittedly benefited from having constant exposure, smart people to learn from, and capital to invest. I've never owned funds or used advisers, but it's my vocation and main hobby so I probably spend 70-80hrs a week plugged into markets through research/following companies/analysis etc.
Running at just under 18% annualised total return since inception (5Y and 10Y both ~20%) which is a level of outpermance I'm happy with though always working to improve. It's a continuous learning process and I've had drawdowns and a few howlers along the way, but it's been mostly enjoyable and hugely beneficial to my life so I'm happy.
Nice to try and remember the good stuff during a day(/month) like this one!
How's your return over the last three weeks, managed to avoid the falls?
Phooey said:
Ok, so we've had the "Your 2021/2020/2019.. performance" threads. Multiple "which tech fund" threads. Many "IFA" threads. etc etc etc.
I don't think we've yet had a "Would YOU have more money in your portfolio today had you followed a simple low-cost (non-IFA advised) Global tracker from the start of your investing journey"
Interested to hear how many beat the Global tracker and how many didn't
Me - Been investing on and off for 25yrs - started with an IFA - investing more regularly this past 10yrs. Failed to beat a Global tracker.
As an 'average' investor who has never seen an IFA (limited value for a non-PH director type like myself) I certainly would of done better if I'd simply of plonked everything in the cheapest global tracker and not tinkered.... unfortunately I couldn't resist early last year and switched one of my pensions to a BG growth fund..initially it looked promising and thought I was the new Warren Buffet but the end of last year took the gloss off..and a bit more!I don't think we've yet had a "Would YOU have more money in your portfolio today had you followed a simple low-cost (non-IFA advised) Global tracker from the start of your investing journey"
Interested to hear how many beat the Global tracker and how many didn't
Me - Been investing on and off for 25yrs - started with an IFA - investing more regularly this past 10yrs. Failed to beat a Global tracker.
NowWatchThisDrive said:
Tresco said:
Well I'd be delighted with that performance and consistency.
How's your return over the last three weeks, managed to avoid the falls?
I wish! -8% YTD, hey ho. Hot on the heels of 3 consecutive years of +30-40% so was expecting a breather at some point.How's your return over the last three weeks, managed to avoid the falls?
I did this exercise towards the end of last year by comparing my performance (recorded since 1999) against MSCI World total return.
In summary, over the full term I managed to return around 1% average per year above the index. Over the past 10 years it's been very slightly below the index.
Annoyingly, I didn't save the spreadsheet but as I recall the outperformance was entirely due to the funds I held faring much better during the dotcom crash and the credit crunch.
In spite of that outperformance over a long period, the last 10 years have made me lose confidence in my ability to continue that. I felt it was more down to luck and I didn't want to push it any further seeing as the sums are now very material to my family our future after work.
As a result, over the past few years I shifted everything into global equity trackers and am very happy with the performance so far, even accounting for the drops this year to date.
In summary, over the full term I managed to return around 1% average per year above the index. Over the past 10 years it's been very slightly below the index.
Annoyingly, I didn't save the spreadsheet but as I recall the outperformance was entirely due to the funds I held faring much better during the dotcom crash and the credit crunch.
In spite of that outperformance over a long period, the last 10 years have made me lose confidence in my ability to continue that. I felt it was more down to luck and I didn't want to push it any further seeing as the sums are now very material to my family our future after work.
As a result, over the past few years I shifted everything into global equity trackers and am very happy with the performance so far, even accounting for the drops this year to date.
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