Has 2017 Been good for you?

bostonerimus

economic wrote: »

i agree with what you are saying, but all i am saying is that if you are measuring your investment performance (and you clearly are as you posted on here providing your return), currency matters as lot as we have seen this year. if you had put all you rmoney into vanguard LS 100%, you would be up a bit more then you have, would you say what you invested in (what appears to be all $ denominated assets) was less riskier then a globally diversified fund?

My end of year asset allocation is 52% US equity, 23% International equity and 25US bonds as I haven't rebalanced. With more equities I'd have a higher return, but historically the potential extra return of 100% equities has come with lots of volatility. I'll always have some bonds in my retirement portfolio just in case I need to spend money in a really bad equities market.

Prism

I have done pretty well this year

I have worked a total of 128 days and have paid myself the usual amount of dividends from my limited company, contributed £5000 to my pension and kept about £2000 surplus in the company account.

My pension is up about 23%
My wife's pension is up 20% which is good considering the rubbish Scottish Widows fund selection.

ISA is up 22%. We have about the same amount in cash as this time last year as a buffer.

economic

Prism wrote: »

I have done pretty well this year

I have worked a total of 128 days and have paid myself the usual amount of dividends from my limited company, contributed £5000 to my pension and kept about £2000 surplus in the company account.

My pension is up about 23%
My wife's pension is up 20% which is good considering the rubbish Scottish Widows fund selection.

ISA is up 22%. We have about the same amount in cash as this time last year as a buffer.

Are the returns on your whole portfolio (including the cash) or just the invested part?

economic

bostonerimus wrote: »

My end of year asset allocation is 52% US equity, 23% International equity and 25US bonds as I haven't rebalanced. With more equities I'd have a higher return, but historically the potential extra return of 100% equities has come with lots of volatility. I'll always have some bonds in my retirement portfolio just in case I need to spend money in a really bad equities market.

So you are 75% in USD. Not globally diversified but you were hedging currency risk as you spend in $.

Prism

economic wrote: »

Are the returns on your whole portfolio (including the cash) or just the invested part?

The pensions are 100% equity with only a few hundred pounds in cash for fees. That's included in the gain

The ISA is stocks and shares, single fund, no cash

The cash buffer has made pretty much zero - could probably do with a slightly better savings account

economic

Prism wrote: »

The pensions are 100% equity with only a few hundred pounds in cash for fees. That's included in the gain

The ISA is stocks and shares, single fund, no cash

The cash buffer has made pretty much zero - could probably do with a slightly better savings account

whats your stocks (isa, pension etc) vs cash split in %?

Prism

Cash is about 10%, stocks ISA about 10% and the rest is a pension (all stocks)

economic

Prism wrote: »

Cash is about 10%, stocks ISA about 10% and the rest is a pension (all stocks)

Mine is:

Pension/ ISA/ trading - 64% all stocks
P2P - 11%
cash - 25%

I want to invest more in stocks (since i am "only" 34) but i am willing to wait for a dip before i deploy more into stocks. although i am kind of scared to as investing all the cash would mean i am approaching near 500k in stocks and i am not sure i can handle the volatility.

Up around 15% overall.

Prism

economic wrote: »

whats your stocks (isa, pension etc) vs cash split in %?

economic wrote: »

Mine is:

Pension/ ISA/ trading - 64% all stocks
P2P - 11%
cash - 25%

I want to invest more in stocks (since i am "only" 34) but i am willing to wait for a dip before i deploy more into stocks. although i am kind of scared to as investing all the cash would mean i am approaching near 500k in stocks and i am not sure i can handle the volatility.

Up around 15% overall.

Only you can decide. I'm 46 and have 180K in stocks. I have never been super well paid but I could have done better in my younger years (more saving, more risk). I don't really have a lot of choice about my high equities percentage if I want enough to retire on.

My wife has roughly the same as me however so in combination we should be ok

economic

Prism wrote: »

Only you can decide. I'm 46 and have 180K in stocks. I have never been super well paid but I could have done better in my younger years (more saving, more risk). I don't really have a lot of choice about my high equities percentage if I want enough to retire on.

My wife has roughly the same as me however so in combination we should be ok

I think this is the dilemma many of us face who are in our 30s and 40s. Due to low rates what option do we have but to take a lot of risk?

Our biggest asset should be ourselves. We have the potential to yield a lot more then some stocks if we are good enough/hard working enough.