What annual % return are people getting (S&S ISA)

singhini

I'm curious to know what annual % return are people actually achieving on their Stocks & Share ISA?

Not what people are hoping to achieve but what are they actually achieving on an annual basis (obviously some years can be down on the previous and that's fine). Also I'm not interested in what the money is invested in or the risk type i.e. low risk, high risk (just what was the annual % return).

I still keep money in a CASH-ISA earning 1.5% and I read on this forum a comment You can quite comfortably get a return of more than 2% through investing in stocks and shares and that most fund managers aim for 6% as a minimum, ideally done through a balanced fund in a stocks and shares ISA. So what are people achieving?

I do also have some money in a Stocks & Shares ISA and so I can start this tread off by checking my own. so, 5th October 2015 statement versus 5th October 2016 statement = I achieved +17.98%

george4064

singhini wrote: »

I do also have some money in a Stocks & Shares ISA and so I can start this tread off by checking my own. so, 5th October 2015 statement versus 5th October 2016 statement = I achieved +17.98%

How did you calculate this +17.98%?

It seems like you have simply calculated the change in value of your portfolio, which doesn't represent its performance if you have added any new money or withdrawn some money to/from the portfolio.

BLB53

This year its looking around 12% boosted by my Vanguard Lifestrategy which is up around 17%.

Last year however it was just 3%, 2014 was 6% and in 2013 it was 14%. So an average of 10% but longer term I would think an average of ~7% would be the norm as recent years have been mostly positive and there are likely to be a few bear markets to come down the line.

ColdIron

singhini wrote: »

most fund managers aim for 6% as a minimum

No they don't. What about the manager of a short dated gilt fund?
Fund managers frequently aim to outperform an index relevant to their fund

darkidoe

YTD return is about 12%. I haven't reached the first annum yet... Hoping for some Bear markets soonish..

bigadaj

Which currency do you want it in?

JohnRo

Income portfolio

INCOME = +34.88% (1 Oct 2015/2016) Rolling annual MA
XIRR = +6.49% since 23 Jun 2013

Growth portfolio

Return = +16.57% (5 Oct 2015/2016)
XIRR = +6.35% since 19 Oct 2009

You'll have also read that your capital is at risk of substantial loses in a severe market downturn.

That's what you need to focus on just as much as the returns, it's no good gloating about and enjoying your paper returns if the process then panics you into selling or gives you sleepless nights and starts to make you feel ill when things inevitably start heading in the wrong direction.

AnotherJoe

singhini wrote: »

I do also have some money in a Stocks & Shares ISA and so I can start this tread off by checking my own. so, 5th October 2015 statement versus 5th October 2016 statement = I achieved +17.98%

Whether thats good or not is hard to say. It might be you actually made a loss on shares in native currency but Brexit devaluation added 20% on top. What did it look like on June 22nd? Or maybe you were lucky or skilful to pick teh right sectors of funds of shares.

Over the years I've achieved, looking at individual Shares over a period of 10--20 years, anywhere from 2000% to -100% (yep, complete bankruptcy, shares worthless, overnight)
Overall, everything bundled in I've had years from 50% to -50%.

This is because I've taken some crazy risks and its worked out long term but if i was to do it all again I'd put 90% in low cost global funds and gamble with just 10% of it i could easily have lost most of it, the fact i didn't is a mixture of skill, overconfidence to stick to some gambles that did eventually pay off, and pure pure luck.

The last time I checked, about two years ago, overall I was in the region of 7.5% annualised over 20 years. Its probably similar now. Ad I could haev got that by simply buying a few global funds and doing nothing instead of taking crazy risks.

My company pension, which (unlike probably 95% of employees in my company) i did actively manage by switching funds rather than stay in the default, i've had 50% growth over the past 5 years which is about 8.5%. But I've got fed up doing that and last month put it in 4 global funds (90% of which is in 3 funds) and I just plan to leave it.

I'm doing the same for my SIPP. This year its up about 20% but since that includes Brexit by some measures its merely stood still. By other measures, since i chose to have a high global component, thats my skill And I've simplified it down to about 10 mostly low cost funds.

lonewolf123

I've been told over the long term i.e. 10 - 20 years, annual return from the stock market will equal to about 7% a year when you average out the years you make 10%+ returns and then that one 40% drop when the market crashes.

I tend to agree with the 7% mark and I set my expectations at that.

Alice_Holt

As an illustration £2200 invested in Bankers Investment Trust in 1998/9 current valuation (income reinvested) c. £9,200.
Probably around 8.5% annualised.

Bravepants

I have been investing since 2010 and currently show an average annualised return of just over 9%. That's not to say it won't drop in the future. I now have only two funds, a mix of bonds and equities, and they are both passive.

Cheers,
Paul