Whats your portfolio made since 1994 - and how?

bigfreddiel

Originally Posted by dunstonh
I am running at 12% p.a. since 1994. That is despite the FTSE being higher in 1997 than it is now. There is more to life than the FTSE100.

Whats in your portfolio - and what's it made each year?

bigfreddiel

bigfreddiel wrote: »

Originally Posted by dunstonh
I am running at 12% p.a. since 1994. That is despite the FTSE being higher in 1997 than it is now. There is more to life than the FTSE100.

Whats in your portfolio - and what's it made each year?

does no one wish to start this thread?

sabretoothtigger

Not very much. Not sure that many have a record that far back but 12% is not going to be beaten imo

I owned a FTSE tracker from May 2001 to 2008 so that didnt go so great I did think about getting JII but changed my mind because the charges were higher, it quadrupled

Since 2008 the best tracker was probably Asia pacific but generally I have not excelled and Ive picked stocks separately to no great advantage really. I think I had about 10% PA since 2008 not including this year which has been a disaster so far but lets hope it reverses in time for xmas

Furtherest back I can remember is 1990 I was prepared to buy MSFT shares but spent the money instead, it rose 17,000% till 2000 and its about half that now
In the ninities I owned Rolls Royce shares, they were fairly crap (but now are not)
I owned Bradford & Bingley shares (and other BS) and sold them £3 to buy Standard Life shares who basically gained nothing much for me but did pay about 5% a year I think


Someone explain the difference between Total return and Personal return on moringstar. Which one includes profits taken from a portfolio


12% for 17 years is a gain of 686% or close to rivalling the one off luck of investing in Microsoft before they got massive and holding them since
Have to also mention that value of sterling has halved since 1990 also

Totton

Sorry, my records only go back to 1996 and are obfuscated by various account transfers and inflows. This thread has highlighted that I really should have better record keeping for such basic information. Does anyone recommend a suitable software program or Excel source for doing this?

I currently use MS Money which is no longer supported by MS. Unfortunately I haven't found any other software that comes close to managing my accounts as well as MS Money, I find Quicken and others not good.

Regards,
Mickey

talexuser

The difficulty is I stated PEPs around 1995 and put in 6000, 7000, etc up to now 10680 every year bar 1 or 2 slow years which went to cash ISAs. So how do I calculate an average yearly growth for a constantly increasing investment?

JoeCrystal

Use XIRR function of Excel maybe?

C_Mababejive

Who knows? I think the DRIP option is a great thing for increasing value over time.

zildjian

C_Mababejive wrote: »

Who knows? I think the DRIP option is a great thing for increasing value over time.

Can you explain how it does increase value over time? (im not questioning it, im just not too familiar on how it increases the value over time)

C_Mababejive

zildjian wrote: »

Can you explain how it does increase value over time? (im not questioning it, im just not too familiar on how it increases the value over time)

Well im not pitching as an expert but if i opt for DRIP,i get to re-invest the divi's on gthe stocks i nominate for DRIP and pay minial cost to convert those divis into more shares. The effect is cumulative in that i have more shares,therefore i have more divis next year therefore i get more shares again. Plus theres always the possibility of stock value appreciation.

If you take the divi in cash however..well..thats all you've got. The value of that cash that you hold.
What do others think?

JoeCrystal

C_Mababejive wrote: »

Well im not pitching as an expert but if i opt for DRIP,i get to re-invest the divi's on gthe stocks i nominate for DRIP and pay minial cost to convert those divis into more shares. The effect is cumulative in that i have more shares,therefore i have more divis next year therefore i get more shares again. Plus theres always the possibility of stock value appreciation.

If you take the divi in cash however..well..thats all you've got. The value of that cash that you hold.
What do others think?

I like them. It is same with scrip dividend as well. Better than DRIP since you do not have to pay any dealing cost.

sabretoothtigger

DRIP is good for companies still growing but imagine you did that with Lloyds and friends. Not only do you lose capital but also never receive those nice bank dividends they were paying out

Often I take the dividend and decide for myself when is the low price. I'll reinvest, buy some more then take a stance to 'sell early' within a year or whenever its risen more and I decide its near a top
So I combine the dividend with some profit taking & rebalancing


Right this moment everything is being reinvested, before august thats left it looking foolish as prices fell much more but generally I think companies are far too cheap with yields of over 8% without great danger its an appararition