Returns this year

jimjames

As it's now the end of the year and the UK market has closed, how has everyone done with the returns on their investments? I know fund prices won't be finalised until later and the US market is still open but so far it is looking like 16% overall here. Not bad after a poor return of -9.5% for 2011 and a bit ahead of the FTSE.

bowlhead99

Mine's a bit messy as I've made some large deposits and withdrawals and changed providers over the period. The easy one is an old pension I transferred into a SIPP in late July and started buying underlying holdings in the first week of August. That has done 7.9% to date net of costs and if I call it a 5-month period for simplicity, it annualises to 19.96% : I would of course be optimistic to extrapolate that into a projection for next year!

That's not the whole story, because I know the starting value at August was lower than what I had in there at the beginning of the tax year in April, although that April number was itself higher than what it was at 1 Jan. But I'm not particularly concerned about the pre-August holdings as they weren't what I wanted for the longer term which was the whole reason to move anyway.

One interesting thing is that 8% since August is pretty much the same as the FTSE 250 index figure (11461 opening on 8 Aug to 12375 today). Probably mildly worse as the FTSE 250 would have paid a percent or so of divs on top of the index movement in the 5 months.

The SIPP has over 30 underlying positions from individual UK equity and preference shares, to active and passive international (incl emerging markets) funds/ trusts/ investment cos, and cash.

atush

None of myt accts from pensions to brokers to savings etc do a calender year reset. So only show % since investment. Some of the pensions I haven't received annual statements yet.

So I can't be bothered to work it out lol. But I am up.

Stompa

17.0% here, which is not bad considering I didn't actively do anything.

atush

I'd love to hear from some of the strident cash only savers out there lol.

But suspect we won't

JoeCrystal

My return declined slightly. But then, I only started it last year so, not entirely full year. -4.38% return on 13 Feb 12 and -4.74% on 31 Dec 12. No surprise there.
The annualised return since 13 Feb 12 is sad -7.38%.



Cheers,
Joe

tight_is_right

atush wrote: »

I'd love to hear from some of the strident cash only savers out there lol.

But suspect we won't

That's a pretty smug sounding comment.

Everything I have is in cash because I'm likely to spend it when the right house comes along. I've made around 3% the last couple of years which would result in 100 becoming 106.09. If I'm understanding the first post right then year 1 -9.5% and year 2 16% would result in 100 becoming 104.95.

jimjames

tight_is_right wrote: »

That's a pretty smug sounding comment.

Everything I have is in cash because I'm likely to spend it when the right house comes along. I've made around 3% the last couple of years which would result in 100 becoming 106.09. If I'm understanding the first post right then year 1 -9.5% and year 2 16% would result in 100 becoming 104.95.

True although you wouldnt normally take 2 years in isolation.

Although the previous years were +42% and +10% so taking all into account gives 100 becoming 163.

My returns are rather complicated due to portfolio changes and new money being added but I'll re-run the calcs to get the complete picture for 2012 later.

atush

I am not talking about people like you, saving for a short term goal. I was referring to other recent threads (there have been 2 here in recent days), where people were saving for long term goals such as retirement in ONLY cash which is foolish.

Non cash savings are Never suggested by most here for people such as yourselves who are saving for something the money will be spent on soon (although you will get the odd Goldbug perhaps).

In any case, my shares returned positively both in 2011 and 2012 (after taking into account Dividend income).

oldfella

about 12%, including return of commission income

lvader

My 2 pension pots are showing 16% and 18%. The S&S ISA is around 20%. I have a spreadbetting account with about 22%. To counter this I have a trading account for AIM based oil and metals explorers showing a 10% loss, which is actually pretty good for the sector and I'm hopefull the loss will turn around over the next few months.