How much have you made/lost in Investments since you started (Roughly)

bigadaj

£14,236.52.

Not a very sensible answer to a not very sensible question.

And I'm not saying whether that is an amount that's been made or lost either.

Freecall

Moneycoach wrote: »

I have been advised to aim for between 10% -20%

Who advised you?

That level of return may be achievable but will involve exposing yourself to some serious risk.

JohnRo

Moneycoach wrote: »

John, it sounds as though you have done very well over the past 10 years. Any advice that you would care to share based on this experience?

Probably don't do it...

All things are relative. It's a combination of many different factors that have created this situation. The 'starting point' wasn't a vast fortune so that obviously helps matters. I know the next ten years in all likelihood will see much lower growth but that won't stop me trying.

A few lucky investments over the years have definitely boosted things but the vast majority of the increase has simply come from a few years of personal austerity max.

Ensuring I spend a whole lot less than I have coming in, whenever and wherever possible, at all times. A total 180 from the attitude I had in the decade before 2006 when I would regularly be weekending and generally spending money like it wasn't mine. I don't want to get into personal details but when my circumstances changed the fear of financial insecurity struck home like a lightning bolt.

For a few years the levels of self imposed austerity I was inflicting meant the sort of abstinence few would be prepared to accept, but I took the decision to do that, set out a plan of sorts and made it happen. So that's how I got to where I am now financially, which is still a relatively insecure by some standards but the plan continues and the austerity is subsiding.

george4064

2014 9.44%
2015 23.01%
2016 up to 31/05/16 -4.02%

Thrugelmir

Bought my first investments in 1977. When I worked in the finance office behind the investment traders at Friends Provident Office. First thing I learnt was that the paid professionals get it wrong! At least in the short term. Always buy for the longer term.

TheTracker

Moneycoach wrote: »

Atush, any advice.


What were your returns in % terms?


I have been advised to aim for between 10% -20% and that is what my current investments are doing.


One of them is held with a fund manager who has a good 28 year reputation and started his own fund about a year ago and it achieved 16% gross.


I won't say who, but Google could help... This tip is for all...

If you are paying a fee to the person who gave you this advice then you need to stop using them and report them to relevant authorities.

The whole thread is completely silly. Use one of the 43 million online compound interest calculators to see the effect. Contribute £100 month for 10 years with 5%return and your 12k contribution will turn to £15600.

masonic

TheTracker wrote: »

If you are paying a fee to the person who gave you this advice then you need to stop using them and report them to relevant authorities.

More likely "Moneycoach" is the one selling this information.

Reckless_Saving

Its a roller-coaster the last 18 months, so far this year my portfolio has been in the range of negative 20% and positive 10%, at the moment I'm just below break even. Last 3 years I've been in the range positive 5%-20%, 4 years before that the range was negative 15%-60% - :eek: 2008 crash.

I'm comforted that some of my shares have done very well propping up my disasters and have enforced the power of dividend reinvestment compounding effect but I've concluded to make your way you need to have a 20 year outlook to investing.

As to what I've made or lost, the answer is nothing as I've not sold anything (by the way I'm worst of that what I've put above as I've not taken inflation into account)

snowqueen555

I put some cash in at the end of Dec 2015, then in January 16 we had all that stuff with Oil Price and China, so I lost a few hundred £ and realised this isn't for me. I sold my funds, but if I had kept them in there for only 6 months I would have been at least a few hundred up, had a few natural resources funds as well so I was kicking myself.

Lesson learned, investing isn't for me right now.

System

My £100 made £2 in 3 weeks but has since turned into -£2 on the increased chance of brexit, I'd be happy for brexit though, as I think it'll help my pay, and it means next month my next £100 will get more shares in my fund, so it evens out