Portfolio tools

Aged

I am certain that there will be an online tool that allows you to construct your potential portfolio, input the anticipated yields and project forwards. Can anyone provide a link please?

eskbanker

I'm not aware of anything that projects forward in that way - yields are typically more predictable than capital growth (or loss) but the latter are likely to have a more significant impact on future performance, so it's unclear what you'd be looking to achieve, that isn't easily modelled on a simple spreadsheet?

dunstonh

I am certain that there will be an online tool that allows you to construct your potential portfolio, input the anticipated yields and project forwards

There are professional tools that do all that except allowing you to input estimated yields as they pull the actual current yields through automatically.   It wouldn't serve many purposes for you to make up your own yield figures.     If you are making up figures as synthetic assumptions then a spreadsheet is often best.

Aged

dunstonh said:

There are professional tools that do all that except allowing you to input estimated yields as they pull the actual current yields through automatically.   It wouldn't serve many purposes for you to make up your own yield figures.     If you are making up figures as synthetic assumptions then a spreadsheet is often best.

Hi Dunston yes, it's the first one that I'm looking for, using active current yields.

Aged

eskbanker said:

I'm not aware of anything that projects forward in that way - yields are typically more predictable than capital growth (or loss) but the latter are likely to have a more significant impact on future performance, so it's unclear what you'd be looking to achieve, that isn't easily modelled on a simple spreadsheet?

I thought it would help me get an idea of what yields I should be aiming to achieve, and strike the correct balance between expectations and 'risk' when choosing funds. Yes, easy enough to put together a spreadsheet, but something that can access libraries of active data would be much more useful?

kuratowski

Personally, I would go for something more conservative (cautious) than the current returns, given we have had such a good run over the past decade.  Maybe 1%-3% above inflation, depending on your asset allocation.  Especially if you are trying to decide how much to save vs spend, prudence is wise.