Investment Returns 2020

jimi_man

michaels said:

Not too many people on here saying 'my UK focussed default pension company fund is flat/down a bit' for some reason.....

Most of mine are in VLS, so haven't done too badly, around 7 - 8%. My wife's work pension is an Aviva bog standard Growth and Consolidated which was about 9% and my ISA is a Fidelity global tracker which I think was also around 9%. However I've got a UK tracker which was down and Ive also got a Virgin UK Ftse tracker which seems to be down 13%. Fortunately only around £1000 or so in there.

As a side note, someone mentioned Trustnet on here. I put all my stuff onto there last night and it's brilliant. So simple and easy to view. 

NottinghamKnight

jimi_man said:

michaels said:

Not too many people on here saying 'my UK focussed default pension company fund is flat/down a bit' for some reason.....

Most of mine are in VLS, so haven't done too badly, around 7 - 8%. My wife's work pension is an Aviva bog standard Growth and Consolidated which was about 9% and my ISA is a Fidelity global tracker which I think was also around 9%. However I've got a UK tracker which was down and Ive also got a Virgin UK Ftse tracker which seems to be down 13%. Fortunately only around £1000 or so in there.

As a side note, someone mentioned Trustnet on here. I put all my stuff onto there last night and it's brilliant. So simple and easy to view. 

Get rid of the Virgin tracker, it's very expensive. 

Mission193

Up 122%

Brought TLW shares at 10p
phar energy at 11p

Down on a few shares like GSK and AZN

jimi_man

Mission193 said:

Up 122%

Brought TLW shares at 10p
phar energy at 11p

Down on a few shares like GSK and AZN

Are you saying that the whole of your portfolio is up 122%? That's very impressive, well done. 

jimi_man

NottinghamKnight said:

jimi_man said:

michaels said:

Not too many people on here saying 'my UK focussed default pension company fund is flat/down a bit' for some reason.....

Most of mine are in VLS, so haven't done too badly, around 7 - 8%. My wife's work pension is an Aviva bog standard Growth and Consolidated which was about 9% and my ISA is a Fidelity global tracker which I think was also around 9%. However I've got a UK tracker which was down and Ive also got a Virgin UK Ftse tracker which seems to be down 13%. Fortunately only around £1000 or so in there.

As a side note, someone mentioned Trustnet on here. I put all my stuff onto there last night and it's brilliant. So simple and easy to view. 

Get rid of the Virgin tracker, it's very expensive. 

It says it's 0.60% for everything? Does that sound right? My HL platform is 0.45% plus the fund fees, so similar. 

vulcanrtb

Not including contributions, I'm up around 8% year on year, which I never thought I'd see in the dark days of the early pandemic.

Alexland

jimi_man said:

It says it's 0.60% for everything? Does that sound right? My HL platform is 0.45% plus the fund fees, so similar. 

HL are generally expensive for most situations too.

You can track the FTSE100 or All Share for 0.06% at Vanguard who charge a 0.15% platform fee so 0.21% total.

morrow56

Is there an easy way to calculate how my SIPP with HL performed percentage wise, overall since Jan 1 last year to Dec 31??

thanks in advance

[Deleted User]

morrow56 said:

Is there an easy way to calculate how my SIPP with HL performed percentage wise, overall since Jan 1 last year to Dec 31??

thanks in advance

The correct way:

1. Money weighted return: use XIRR function in Excel.  You need values at the start and end of the period and cash flows in and out.  This is the kind of return you are actually achieving. 

2. Time weighted return: use the spreadsheet in here: https://www.bogleheads.org/wiki/Calculating_personal_returns You will need values at the start of every month as well as what you need for 1.  Time weighted return is what you should be using to compare against benchmarks and returns of others. 

3. You should always look at returns for your overall portfolio in all accounts, including cash, ISAs, savings, SIPP, etc.  Otherwise you are kidding yourself. Someone could be aggressively trading in one account reporting a 100% return on 5% of his money while 95% of his money is getting 0.5% interest.  

Keep in mind that annual values self reported by chatroom users are a) meaningless and b) usually wrong.  For returns to be meaningful they need to span a meaningful period of time, eg 10 years, although longer is better.  

morrow56

Thanks Mordko much appreciated