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

Rishified

I haven't had my S&S Isa open for a full year, only 9 months & I've got a YTD Return of 12.71% after fees

singhini

Thanks to everyone for their responses so far, really appreciated.

From some of the comments I think it might help if I explain why I was asking. I just put £92,000 into a CASH-ISA yesterday at a 5 year fix of 1.5%

On the other hand I have a S&S ISA I forgot about and in the last year I calculated it had grown by ~18% (when comparing the last two statements).

I moan to myself that the 1.5% is pitiful yet I'm too risk cautious to put money into a S&S ISA (but if I want returns then I have to have risk, its simple. I know it and you know it).

when putting the money into the CASH-ISA I did think I should put £10k-£15k into a S&S-ISA and take risk but I didn't (hence I was curious to see what other people are actually achieving).

I don't like risk but I'm thinking i should put £10,000 into a S&S ISA next year and see what happens (even if it doesn't perform well I'm guessing it should yield atleast 2%). Hence this thread to try to see what others are getting and give me encouragement to relax a little and take a little more risk.

from what I'm gathering, its not unrealistic for me to achieve an average 2% annually over 5-10 years

Planning_ahead

I set up a stocks and shares ISA last year and in that first year I have achieved 12% in a medium risk fund.

This is opposed to 3.1% in an old regular saver cash ISA.

JohnRo

You've got to be aware and accept that the 12% gain can evaporate and very probably will at some point in the future, at least partially. It could also march on another 12% or more before that happens of course.

That won't ever happen to the cash ISA although inflation will attack the value of both accounts.

veryintrigued

Are these (fantastic) gains which people are quoting actual/realised gains or paper/internet gains?

Dird

I'm just coming up to end of first year now.
I was expecting it to be !!!! as Japan seems to have nosedived (from a massive + to now negative equity) and Fundsmith losing steam.
But based on all funds (left some random ones from iteration 1 to see how they do) it's 17%, based on my now main portfolio (the monthly DD) it's 20% based on deposits vs current value

veryintrigued wrote: »

Are these (fantastic) gains which people are quoting actual/realised gains or paper/internet gains?

Sell everything just to buy it again?

singhini

veryintrigued wrote: »

Are these (fantastic) gains which people are quoting actual/realised gains or paper/internet gains?

For me personally it is paper gains (my S&S ISA is interest ontop of interest ontop of interest). Many years ago I took out my initial investment and paid off the mortgage leaving just interest I had accumulated in the ISA. So I don't have any emotional attachment to the money. Nevertheless in the last year it has performed 12 times better than the 1.5% I will be guaranteed in my CASH-ISA :beer:

veryintrigued

These are indeed great figures - I'd be more cautious with language of 'achieving' and 'returns' though until I've actually 'cashed out' though.

Maybe just me.

ChesterDog

This is fairly accurate, but some new investments (but very little money) have been added in that period.

It includes money in SIPPs (mine and my wife's), but excludes other investments and cash.

Eco_Miser

veryintrigued wrote: »

These are indeed great figures - I'd be more cautious with language of 'achieving' and 'returns' though until I've actually 'cashed out' though.

Maybe just me.

For long-term buy-and-hold'ers we may never cash out, and certainly not in the near future, so all we can say is we've received x% dividends into our bank accounts (that's real and can never be taken away), and would have about y% more (or less) than we paid should we sell tomorrow (that's on paper and changes every day with the sentiment of the market - but if we didn't believe it would generally increase we would not be holding the investments in the first place).

If we are going to have any measure of how our investments are performing, we have to go with the current valuation - the price paid 20 years ago, or last week, is now irrelevant (except for unwrapped CGT).