What’s your 2023 investment returns
Discussion
14.8% across the lot that I have in mine/wife ISA’s and pensions (almost all invested in the same thing)
Haven’t included cash here mind you as it isn’t an investment, it’s just a safety net. But perhaps I should.
My company shares have gone up 54% which is making the vests a little more interesting each qtr.
Haven’t included cash here mind you as it isn’t an investment, it’s just a safety net. But perhaps I should.
My company shares have gone up 54% which is making the vests a little more interesting each qtr.
+13.6% made up of +15.6% from global equity index funds and +3.7% from bond index and money market funds.
This comes after avoiding bonds and cash completely untill the end of 2022 when yield started rising.
I'm just over a year from retirement so this is very good news as the gains over the past 5 years (+58%) have effectively paid for my first 5 years of retirement if not more.
This comes after avoiding bonds and cash completely untill the end of 2022 when yield started rising.
I'm just over a year from retirement so this is very good news as the gains over the past 5 years (+58%) have effectively paid for my first 5 years of retirement if not more.
missed the 'bargains' at the beginning of the year as hadn't funded the isa's or set up trading account.
But been a good year:
sipp + 50%, not unexpected as was beaten down in '22
isa's up 70%, was a tad more but hefty pullback 2days before xmas
trading account even allowing for the pound strengthening by 20% since i funded it, that's done well at a smidge under 100%
all US stocks/etf's and limited to: mstr/tsla/tqqq/clsk/cifr/bitf/ethe; few others that got in/out of.
star performers: mstr,tsla - although been stagnant last 8 wks or so, clsk, cifr, bitf
'24: will pair trade/swap back and forth between mstr & tsla, and also clsk/cifr and tsla.
But been a good year:
sipp + 50%, not unexpected as was beaten down in '22
isa's up 70%, was a tad more but hefty pullback 2days before xmas
trading account even allowing for the pound strengthening by 20% since i funded it, that's done well at a smidge under 100%
all US stocks/etf's and limited to: mstr/tsla/tqqq/clsk/cifr/bitf/ethe; few others that got in/out of.
star performers: mstr,tsla - although been stagnant last 8 wks or so, clsk, cifr, bitf
'24: will pair trade/swap back and forth between mstr & tsla, and also clsk/cifr and tsla.
I haven’t done the sums but I think around 6%. I’m a bit too heavily weighted towards the UK and some single stocks, which felt great when the US dipped in 2022 but less smart when it bounced back in 2023. 5% non volatile returns more than hits my financial aims so I won’t complain.
I’m still reasonably happy being weighted UK as FTSE 250 should rally as interest rates unwind, and I think GBP fall and FTSE 100 rise is a good bet too. Long term we aren’t in great shape but they seem like a good macro position.
I’m still reasonably happy being weighted UK as FTSE 250 should rally as interest rates unwind, and I think GBP fall and FTSE 100 rise is a good bet too. Long term we aren’t in great shape but they seem like a good macro position.
Alickadoo said:
FTSE 100 +2.37% over the year
FTSE 250 +2.90%
Dow Jones +13.74%
S&P 500 +24.73%
Warren Buffett was right!
S&P was well down vs FTSE in 2022. CBA to look up the figures though.FTSE 250 +2.90%
Dow Jones +13.74%
S&P 500 +24.73%
Warren Buffett was right!
Plus a better dividend.
I would like to chop and change more but I know I would time it wrong and also have capital gains taxes to beat, so I remain slightly overweight UK for better or worse.
My global index trackers which make up around 85% of my pension and 45% of my ISA, performed better than anything else I hold with the exception of my US only index tracker (+14.7% v +19.8%).
Overall, it was about +13%. This is dragged down by some of the active stuff in my ISA (China and UK Smaller Co's which both were in the red).
Overall, it was about +13%. This is dragged down by some of the active stuff in my ISA (China and UK Smaller Co's which both were in the red).
14.8% total all funds/accounts. Mostly global /US index trackers . Half thru year got out as much of UK related and maxed US equity linked . The return includes my large (to me ) contingency cash kept in interest bearing accounts , so has suppressed over all figure a bit
Bigger pension is DB so that does not matter , but DC and SIPP doing about same as it's all in same/similar to GIA/ISA
Bigger pension is DB so that does not matter , but DC and SIPP doing about same as it's all in same/similar to GIA/ISA
I do not have an investment portfolio to manage as such.
I do have a S&S ISA where the 2023 return was minus 7%.
I also have a substantial number of shares in my ex employer (quoted on NYSE) because I was participating in their ESPP at the maximum allowable rate from 1995 to the end of 2004 when I retired. I have never sold any of these shares. The return for 2023 was 14%. Of greater interest to me is the long term performance of these shares. Since the end of 2004 the price per share has increased by about 500%, giving me a nice (?) CGT problem. Also, since 2004 the dividends have increased by about the same 500%. The dividends are usually used for for our holidays.
R.
I do have a S&S ISA where the 2023 return was minus 7%.
I also have a substantial number of shares in my ex employer (quoted on NYSE) because I was participating in their ESPP at the maximum allowable rate from 1995 to the end of 2004 when I retired. I have never sold any of these shares. The return for 2023 was 14%. Of greater interest to me is the long term performance of these shares. Since the end of 2004 the price per share has increased by about 500%, giving me a nice (?) CGT problem. Also, since 2004 the dividends have increased by about the same 500%. The dividends are usually used for for our holidays.
R.
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