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

Moneycoach

george4064 wrote: »

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

There are naysayers that think it can't be done and you are proving them wrong.
You had a good year in 2014, a great year in 2015 and 2016 is not over.
Plus funds go up and down over time, but its the 5-10 year average that really counts.


You've averaged 12% over the past 3 years, that's great!

Thrugelmir

Moneycoach wrote: »

I was advised by someone who has achieved an average return of 12% per annum on their funds over the past 25 years, net of fees.

Impressive stuff. One of a kind. Pretty special to average gains at that sort of level.

JohnRo

Moneycoach wrote: »

You've averaged 12% over the past 3 years, that's great!

Nearer to +9% by my reckoning. Still good going though.

Moneycoach

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.

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.

The advise was free, why should I report them? Just because you cannot believe it can be achieved or because you cannot achieve it yourself? The track record is mentioned in another one of my earlier posts. Plus look at George4064's post, it can be done.


A 5% average return over 10 years is crap.
Anyone can plug numbers into a compound interest calculator, the OP was asking for real life. Perhaps you should not post useless comments if you think "the whole thread is completely silly".

Moneycoach

Thrugelmir wrote: »

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.

Thanks TM..

Moneycoach

masonic wrote: »

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

More likely you're an idiot. With nothing useful to contribute.
What's in a username?
I didn't fancy choosing a name that would get misconstrued with me being a metalworker by trade or a member of the illuminati.


Anyway, I am not here to sell anything just share my two pence worth like everyone else.

Moneycoach

MatthewAinsworth wrote: »

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

Spoken like a true capitalist, it takes one to know one :-)


Are you investing all in one company's shares or more than one?

Moneycoach

JohnRo wrote: »

Nearer to +9% by my reckoning. Still good going though.

Right you are JR.


I must get my abacus updated, it has never been good with negative numbers!
I added 4% instead of taking it away from the total, d'oh.

Moneycoach

racing_blue wrote: »

If we are talking advice, mine is to beware of averaging down - buying more shares in a company after a price drop, to reduce the average price paid per share.

I have done this with the companies including Tesco, EDF and Bank of Ireland. Between 2006 and 2013 I piled around £30k into those companies while the price dropped further and further. Together, the holdings are now worth about £8k.

My mistake was not buying the share originally. It was buying more when the price fell. And then more when the price fell further. The rebound never came.

Edit: I think the popular wisdom is "don't try to make it back the way you lost it"

That's a shame. Warren Buffett has now sold a chunk of his shares in Tesco.


What do you plan to do?


Indeed, averaging down is part of contrarian investing, doing the opposite to everyone else. Selling when others are buying and buying when others are selling. Does not always payoff however. I do not want too much exposure into one company, that's why I prefer funds. Shares only make up 10% of my portfolio.

Moneycoach

BLB53 wrote: »

I made loadsa money during the late 90s - 3 years were over 20%.

My worst year was not surprisingly 2008 and down 37% followed in 2009 by my best ever year up 41%.

My average over the past 20 years is ~7% p.a.

Good story, I bet your heart was racing during the highs and lows.
It must have been difficult not selling when the market dropped, that's what most people do and they end up locking in their losses, whereas over time history has proved the market value increases, but not all individual company stock.


Any learning or what you would do differently if to had to go through it again?