It's time to start digging up those Squirrelled Nuts!!!!

Sea_Shell

I'm pretty sure I did the same thing last year, re cutoff, so it's as broad as it's long.

Any drops (!?) today will be compared to Jan 2020 in due course!!

My books...my rules!! 😁

garmeg

Sea_Shell said:

I'm pretty sure I did the same thing last year, re cutoff, so it's as broad as it's long.

Any drops (!?) today will be compared to Jan 2020 in due course!!

My books...my rules!! 😁

Fair comment. I am probably too fussy.

Audaxer

garmeg said:

Sea_Shell said:

I'm pretty sure I did the same thing last year, re cutoff, so it's as broad as it's long.

Any drops (!?) today will be compared to Jan 2020 in due course!!

My books...my rules!! 😁

Fair comment. I am probably too fussy.

I'm also waiting to update after today's prices updated. Just a pity that markets have fallen a bit today, which will make the end of year figures look a bit worse.

Sea_Shell

Audaxer said:

garmeg said:

Sea_Shell said:

I'm pretty sure I did the same thing last year, re cutoff, so it's as broad as it's long.

Any drops (!?) today will be compared to Jan 2020 in due course!!

My books...my rules!! 😁

Fair comment. I am probably too fussy.

I'm also waiting to update after today's prices updated. Just a pity that markets have fallen a bit today, which will make the end of year figures look a bit worse.

Surely unless something dramatic happens it's still only 0.5% here or 1% there.


Anyway roll on 2021!!!

We don't "do" New Year.   I don't like late nights, I'm an early bird.   

Now to cogitate on investing our spare £13,000?!?    Cheap(er) units on Monday?

garmeg

Audaxer said:

garmeg said:

Sea_Shell said:

I'm pretty sure I did the same thing last year, re cutoff, so it's as broad as it's long.

Any drops (!?) today will be compared to Jan 2020 in due course!!

My books...my rules!! 😁

Fair comment. I am probably too fussy.

I'm also waiting to update after today's prices updated. Just a pity that markets have fallen a bit today, which will make the end of year figures look a bit worse.

Every cloud ... it will make the 2021 figures better.

garmeg

garmeg said:

cfw1994 said:

garmeg said:

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.
Current pot total....£597,660.
That's an overall annual growth rate of 8.3% gross (6.28% net of spends)
DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

Heh heh!
For years I have done a quarterly check from 5th April (tax year)....next check in 6 days.....

I will be doing it tomorrow when today's closing prices are in.

I don't think I am going to like what I see.

Hargreaves have fund prices as at 31 December now.

Result for 2020 ...

SIPP annual return of -9% (2019 was +17%)
ISA annual return of -3% (2019 was +40%)

Figures include reinvested dividends / contributions added (Excel XIRR).

After 2019 I guess the portfolios had to put something back. Not too disappointed with 2020 with these returns, considering, especially that it was looking like -40% on the SIPP a couple of months ago!

FTSE seems to be about -15% plus some dividends so maybe -12% allowing for the dividend cuts (not that it is that great a benchmark to compare with).

Sea_Shell

garmeg said:

garmeg said:

cfw1994 said:

garmeg said:

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.
Current pot total....£597,660.
That's an overall annual growth rate of 8.3% gross (6.28% net of spends)
DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

Heh heh!
For years I have done a quarterly check from 5th April (tax year)....next check in 6 days.....

I will be doing it tomorrow when today's closing prices are in.

I don't think I am going to like what I see.

Hargreaves have fund prices as at 31 December now.

Result for 2020 ...

SIPP annual return of -9% (2019 was +17%)
ISA annual return of -3% (2019 was +40%)

Figures include reinvested dividends / contributions added (Excel XIRR).

After 2019 I guess the portfolios had to put something back. Not too disappointed with 2020 with these returns, considering, especially that it was looking like -40% on the SIPP a couple of months ago!

FTSE seems to be about -15% plus some dividends so maybe -12% allowing for the dividend cuts (not that it is that great a benchmark to compare with).

I know my figures are a "day early" but those returns seem low!!   I don't think the markets fell of a cliff yesterday!

Our DC pensions were up on average 5.3% on the year, and our ISAs up 9%


Anyway, here's to a prosperous New Year!!    Happy 2021 everyone.

garmeg

Sea_Shell said:i

garmeg said:

garmeg said:

cfw1994 said:

garmeg said:

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.
Current pot total....£597,660.
That's an overall annual growth rate of 8.3% gross (6.28% net of spends)
DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

Heh heh!
For years I have done a quarterly check from 5th April (tax year)....next check in 6 days.....

I will be doing it tomorrow when today's closing prices are in.

I don't think I am going to like what I see.

Hargreaves have fund prices as at 31 December now.

Result for 2020 ...

SIPP annual return of -9% (2019 was +17%)
ISA annual return of -3% (2019 was +40%)

Figures include reinvested dividends / contributions added (Excel XIRR).

After 2019 I guess the portfolios had to put something back. Not too disappointed with 2020 with these returns, considering, especially that it was looking like -40% on the SIPP a couple of months ago!

FTSE seems to be about -15% plus some dividends so maybe -12% allowing for the dividend cuts (not that it is that great a benchmark to compare with).

I know my figures are a "day early" but those returns seem low!!   I don't think the markets fell of a cliff yesterday!

Our DC pensions were up on average 5.3% on the year, and our ISAs up 9%


Anyway, here's to a prosperous New Year!!    Happy 2021 everyone.

The result of too much UK in my portfolios, especially the SIPP. Could have been (and two months earlier, was) worse!

I do have a smaller SIPP with Hargreaves Lansdown that probably broke even last year, but I need to download the transactions to confirm that.

Audaxer

garmeg said:

Sea_Shell said:i

garmeg said:

garmeg said:

cfw1994 said:

garmeg said:

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.
Current pot total....£597,660.
That's an overall annual growth rate of 8.3% gross (6.28% net of spends)
DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

Heh heh!
For years I have done a quarterly check from 5th April (tax year)....next check in 6 days.....

I will be doing it tomorrow when today's closing prices are in.

I don't think I am going to like what I see.

Hargreaves have fund prices as at 31 December now.

Result for 2020 ...

SIPP annual return of -9% (2019 was +17%)
ISA annual return of -3% (2019 was +40%)

Figures include reinvested dividends / contributions added (Excel XIRR).

After 2019 I guess the portfolios had to put something back. Not too disappointed with 2020 with these returns, considering, especially that it was looking like -40% on the SIPP a couple of months ago!

FTSE seems to be about -15% plus some dividends so maybe -12% allowing for the dividend cuts (not that it is that great a benchmark to compare with).

I know my figures are a "day early" but those returns seem low!!   I don't think the markets fell of a cliff yesterday!

Our DC pensions were up on average 5.3% on the year, and our ISAs up 9%


Anyway, here's to a prosperous New Year!!    Happy 2021 everyone.

The result of too much UK in my portfolios, especially the SIPP. Could have been (and two months earlier, was) worse!

My income portfolio is also a bit overweight with UK Equity Income. They did recover a good bit over the last two months which I'm pleased about. I'm just trying to decide whether to hang on to all the UK Equity Income funds hoping they continue to recover to pre-Covid levels, or replace with some with global funds/ITs focused more on growth than value to give me a bit more diversification and lower my UK weighting.

garmeg

Audaxer said:

garmeg said:

Sea_Shell said:i

garmeg said:

garmeg said:

cfw1994 said:

garmeg said:

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.
Current pot total....£597,660.
That's an overall annual growth rate of 8.3% gross (6.28% net of spends)
DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

Heh heh!
For years I have done a quarterly check from 5th April (tax year)....next check in 6 days.....

I will be doing it tomorrow when today's closing prices are in.

I don't think I am going to like what I see.

Hargreaves have fund prices as at 31 December now.

Result for 2020 ...

SIPP annual return of -9% (2019 was +17%)
ISA annual return of -3% (2019 was +40%)

Figures include reinvested dividends / contributions added (Excel XIRR).

After 2019 I guess the portfolios had to put something back. Not too disappointed with 2020 with these returns, considering, especially that it was looking like -40% on the SIPP a couple of months ago!

FTSE seems to be about -15% plus some dividends so maybe -12% allowing for the dividend cuts (not that it is that great a benchmark to compare with).

I know my figures are a "day early" but those returns seem low!!   I don't think the markets fell of a cliff yesterday!

Our DC pensions were up on average 5.3% on the year, and our ISAs up 9%


Anyway, here's to a prosperous New Year!!    Happy 2021 everyone.

The result of too much UK in my portfolios, especially the SIPP. Could have been (and two months earlier, was) worse!

My income portfolio is also a bit overweight with UK Equity Income. They did recover a good bit over the last two months which I'm pleased about. I'm just trying to decide whether to hang on to all the UK Equity Income funds hoping they continue to recover to pre-Covid levels, or replace with some with global funds/ITs focused more on growth than value to give me a bit more diversification and lower my UK weighting.

I am just leaving well alone. If I start meddling with my holdings I may just make a bigger hash of things.

I am tempted to ditch my ITs from my crystallised Youinvest SIPP (no income taken ... yet) and buy cheap funds so the overall charges (including higher platfom charges) may be lower overall. Maybe 75% in cheap global equity trackers and the remaining 25% in more risky punts like Fundsmith, LTGE, Blue Whale, Rathbone Global Ops and some Bailie Gifford stuff. 

Will have to think about this decision very carefully.