Great British Invest off or Passive V Active Updates

Bostonerimus1

Prism said:

Prism Global - £178002

A bit awkward that in a discussion about active vs passive equities and bonds, its gold that is leading the way - easily

Gold is on an "uncertainty spike", volatility is to be expected. For the passive folks this is where it gets tough, but I'm still doing nothing.

Bostonerimus1

Bostonerimus dollars 182680
Bostonerimus pounds 182680

Well that was a fun ride and the dollar is back to the same level against the pound as when this started back in 2017. My portfolio for this is 50% US stock index, 25% international (ex US) stock index and 25% US bonds. Right now I would probably start with a lower US stock allocation and include some non-US bonds. Many US investors do have non US equity allocations, but having non-US bonds isn't very common. I think the tariffs, the large size of the US's debt and having so much of it owned by China and Japan is making people do some risk re-evaluation. In my actual personal portfolio I have moved some US equities into international equities, upped my cash allocation and bought some international bonds. Nothing too dramatic, but I want to have  more than enough cash to easily cover a potential move in a couple of years.

Prism

Prism Global - £178,019

After a wild month I was almost completely flat - up 0.01%

TBC15

BLB53                            £144,445       44%

TBC15                            £186,991      87%

Digger UK                       £258,300      158%

Finellah VLS80               £163,056      63%

Vanguard FTSE All Cap  £189,684     90%

Well that was an interesting month TBC15 dropping 12% in the first week then recovering to finish basically flat. The Digger UK gold stash proving to still be impervious to Trumptonite,At this rate Digger will be lapping me soon.

Last month for the old TBC15 line up out goes most of Fundsmith and in comes a bit of Gold. Full update later in Portfolios.

TBC15

BLB53                            £148,154       48%

TBC15                            £201,888      102%

Digger UK                       £253,754      154%

Finellah VLS80               £168,848      69%

Vanguard FTSE All Cap  £198,638      99%

Well, that was a half decent month for TBC15 up 8% with tech leading the pack up 11%

Putting a break on Digger UKs Gold bandwagon proved relatively easy, all that was required was TBC15 to take a 6% stake. Flattish month for Gold down 1.75%.

Prism

Prism Global - £185,674

Not a bad month, held back slightly by my emerging markets tracker and Finsbury.

Prism

Prism Global - £189,202

Bostonerimus1

Bostonerimus dollars 200666
Bostonerimus pounds 194807 - thanks to the weak dollar

As I have done nothing my original 50% US stock market, 25% US bonds and 25% international stocks has now drifted to 68%, 14% and 18%. The annualized return is 9.4%.

TBC15

BLB53                            £150,515       51%

TBC15                            £212,508      113%

Digger UK                       £250,377      150%

Finellah VLS80               £171,843      72%

Vanguard FTSE All Cap  £203,343     103%

Another good month for TBC15 up about 6% with Blue Whale and Tech doing all the heavy lifting.

X trackers, Fundsmith and Gold having a lethargic month

TBC15

BLB53                            £154,939       55%

TBC15                            £225,307      125%

Digger UK                       £260,558      161%

Finellah VLS80               £178,625      79%

Vanguard FTSE All Cap  £214,258     114%

Basically, a repeat of last month up 6% with the exception of gold being up 4%.