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  • FIRST POST
    • TBC15
    • By TBC15 29th Sep 17, 2:08 PM
    • 495Posts
    • 251Thanks
    TBC15
    Great British Invest off or Passive V Active Updates
    • #1
    • 29th Sep 17, 2:08 PM
    Great British Invest off or Passive V Active Updates 29th Sep 17 at 2:08 PM
    For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £).

    For details see http://forums.moneysavingexpert.com/showthread.php?t=5719517

    Monthly updates on portfolio values should be posted here

    Active______ OCT__NOV__DEC__JAN__FEB__MAR__APR__MAY

    Ams25________2.1__2.2__2.9__3.2__1.9__0.6__2.5__4.9

    chrisgg______4.8__5.6__7.2__8.0__TBA__TBA__TBA

    Finellah_____2.2__1.8__3.4__4.1__3.4__1.2__3.3__7.1

    Linton G_____3.5__3.8__6.1__7.7__5.7__2.0__6.2__9.6

    Linton WP____0.6__0.7__1.4__0.5_-0.2_-1.4__0.2__1.4

    Prism G______5.5__6.0__7.5__9.3__9.4__5.1__7.9_13.8

    TBC15________5.9__5.7__8.1__9.3__8.2__4.0__8.2_13.2

    Thrugelmir___5.1__3.9__3.4__3.9__2.6__0.3__2.4__5.0



    Passive

    A_T BB_______---__---__4.0__3.1__---__0.5__4.2__6.8

    Ams25________2.1__1.9__3.4__2.9__1.6__0.2__2.0__4.5

    BLB53________2.1__1.9__3.4__2.9__1.9__0.2__2.0__4.5

    bostonerimus_1.6__3.2__4.3__7.9__4.4__3.4__3.5__4.8

    bostoner£____2.7__2.5__3.5__1.9__1.1_-1.3__0.8__5.4

    FinellahVLS80_2.3_2.0__3.9__3.8__2.7__0.0__2.6__5.8


    For Reference Passive Vanguard

    FTSEGlobalAllC3.1_3.2__4.9__5.1__4.1__0.3__3.0__7.1
    Last edited by TBC15; 01-06-2018 at 6:30 PM. Reason: update
Page 3
    • chrisgg
    • By chrisgg 6th Jan 18, 10:45 AM
    • 61 Posts
    • 52 Thanks
    chrisgg
    The rest of us are reporting totals - i assume that 1.5% is just for December?
    Originally posted by Prism
    Correct. I wasn't sure how to view the value as at the end of December, rather than the present day value.
    • TBC15
    • By TBC15 6th Jan 18, 11:34 AM
    • 495 Posts
    • 251 Thanks
    TBC15
    Correct. I wasn't sure how to view the value as at the end of December, rather than the present day value.
    Originally posted by chrisgg
    Are you using trustnet to monitor the value of your £100000 portfolio?
    • TBC15
    • By TBC15 6th Jan 18, 12:15 PM
    • 495 Posts
    • 251 Thanks
    TBC15
    chrisgg From your monthly growth rates, I’m assuming the growth occurs on the previous months total I get bottom lines of
    Nov £105638_____5.6%
    Dec £107222_____7.2%
    Does that sound right?
    • chrisgg
    • By chrisgg 6th Jan 18, 1:26 PM
    • 61 Posts
    • 52 Thanks
    chrisgg
    Yeah sounds about right. Trust net current value is £108,650 which makes sense with market movements in the last week.
    • TBC15
    • By TBC15 6th Jan 18, 5:29 PM
    • 495 Posts
    • 251 Thanks
    TBC15
    Great if you let us know what it!!!8217;s worth on the last trading day of the month we are in business.
    • Prism
    • By Prism 1st Feb 18, 9:23 AM
    • 368 Posts
    • 286 Thanks
    Prism
    As of end of January my total fund value is £109,333.

    Interesting month with the dollar dropping so quickly against the pound. My portfolio is 55% US equities so quite a hit there. Good performance from the US stock market balanced that out. Legg Mason Japan did the best (as usual) up 3.5%. Jupiter India the worst down 5.5%.

    I made a small rebalance at the start of the month - £3K from my tech fund into Fundsmith. This is my most typical rebalance as the tech sector continues to out perform pretty much everything else. I am using YouInvest model portfolio to keep track as it allows this type of change to be made, whereas I don't think Trustnet does. I will need to keep an eye on Japan next as I am currently at 12% and my original plan was about 10%.
    • TBC15
    • By TBC15 1st Feb 18, 10:25 AM
    • 495 Posts
    • 251 Thanks
    TBC15
    Results for January

    TBC15 £109,296.
    BLB53 £102,939
    • ams25
    • By ams25 1st Feb 18, 10:44 AM
    • 177 Posts
    • 210 Thanks
    ams25
    Results for Jan (and Dec reposted)


    Ams25 60:40 active Dec: 102873 Jan: 103210

    Vanguard 60. Dec: 103360 Jan 102939
    • Linton
    • By Linton 1st Feb 18, 10:56 AM
    • 9,395 Posts
    • 9,529 Thanks
    Linton
    Results for January

    A month of two halves. First half was excellent showing good growth. Then most of it was clawed back in the second half. I havent worked out why, possibly the rise in the £ against the $ though I am underweight in US.

    Growth Portfolio
    Sold off another minor holding - AXA Framlington Health. Money transferred to Income portfolio. Totals for this report readjusted to remove the reduction in size.

    Linton Growth:£107708

    Still well ahead of VLS100 at 104903.

    Wealth Preservation Portfolio
    The Wealth Preservation ITs suffered in the second half of the month - RIT in particular falling by about 5% after a 2% rise in the first 2 weeks. Significant volatility for a WP fund.

    Linton WP:£100488
    Last edited by Linton; 01-02-2018 at 10:59 AM.
    • bostonerimus
    • By bostonerimus 1st Feb 18, 1:02 PM
    • 1,945 Posts
    • 1,283 Thanks
    bostonerimus
    Starting Allocation VTSAX/VTIAX/VBTLX, 50/20/30
    Expenses
    VTSAX 0.04%
    VTIAX 0.11%
    VBTLX 0.05%

    Year Month (VTSAX) (VTIAX) (VBTLX) Total Return Month End Balance

    2017 10 2.17% 1.94% 0.12% 1.51% $101510
    2017 11 3.04% 0.80% -0.16% 1.64% $103180
    2017 12 1.01% 2.07% 0.45% 1.05% $104270
    2018 1 5.32% 5.57% -1.09% 3.52% $107940

    So currently up 7.94% since October 2017
    Last edited by bostonerimus; 01-02-2018 at 1:21 PM.
    Misanthrope in search of similar for mutual loathing
    • economic
    • By economic 1st Feb 18, 1:35 PM
    • 2,940 Posts
    • 1,586 Thanks
    economic
    Starting Allocation VTSAX/VTIAX/VBTLX, 50/20/30
    Expenses
    VTSAX 0.04%
    VTIAX 0.11%
    VBTLX 0.05%

    Year Month (VTSAX) (VTIAX) (VBTLX) Total Return Month End Balance

    2017 10 2.17% 1.94% 0.12% 1.51% $101510
    2017 11 3.04% 0.80% -0.16% 1.64% $103180
    2017 12 1.01% 2.07% 0.45% 1.05% $104270
    2018 1 5.32% 5.57% -1.09% 3.52% $107940

    So currently up 7.94% since October 2017
    Originally posted by bostonerimus
    Are these returns in USD? USD has sold off so for comparison to others your performance would not be as strong as you have stated IF your returns are in USD.
    • TBC15
    • By TBC15 1st Feb 18, 1:48 PM
    • 495 Posts
    • 251 Thanks
    TBC15
    Are these returns in USD? USD has sold off so for comparison to others your performance would not be as strong as you have stated IF your returns are in USD.
    Originally posted by economic
    Please look at Bostoner£ for a comparison. Bostonerimus is from across the pond.
    • bostonerimus
    • By bostonerimus 1st Feb 18, 1:54 PM
    • 1,945 Posts
    • 1,283 Thanks
    bostonerimus
    Are these returns in USD? USD has sold off so for comparison to others your performance would not be as strong as you have stated IF your returns are in USD.
    Originally posted by economic
    Dollars, someone will be along to convert to pounds soon enough. In October the pound was $1.32 and in January it was $1.38, but funnily enough, as I live in the US and spend dollars my returns to me are just as stated and surely that's what matters.
    Misanthrope in search of similar for mutual loathing
    • cloud_dog
    • By cloud_dog 1st Feb 18, 2:10 PM
    • 3,726 Posts
    • 2,215 Thanks
    cloud_dog
    Unusually, I find myself in agreement with bostonerimus. The results are all percentage based and you are all working from the same reference point, i.e. 100,000 bananas.
    Personal Responsibility - Sad but True

    Sometimes.... I am like a dog with a bone
    • TBC15
    • By TBC15 1st Feb 18, 2:17 PM
    • 495 Posts
    • 251 Thanks
    TBC15
    Here we go…………………………………………………………………
    • A_T
    • By A_T 1st Feb 18, 2:30 PM
    • 445 Posts
    • 290 Thanks
    A_T
    A_T's British Bulldog portfolio down 0.9% on the month. Proof if it were needed that for UK investors there's no hiding place from Sterling rising against the dollar.

    Overall since the start up 3.09% to £103,100
    • economic
    • By economic 1st Feb 18, 2:31 PM
    • 2,940 Posts
    • 1,586 Thanks
    economic
    Unusually, I find myself in agreement with bostonerimus. The results are all percentage based and you are all working from the same reference point, i.e. 100,000 bananas.
    Originally posted by cloud_dog
    But the whole point of this thread is to compare active vs passive. If you are comparing between people on here, it does not make sense to compare returns in two different currencies. It needs to be compared like for like. Of course for bostonerimus, he may not care and thats perfectly fine. But its important to know when people do compare his performance with others, that his returns are in USD whereas the vast majority of other posters on here will have returns based in sterling.
    • Linton
    • By Linton 1st Feb 18, 2:40 PM
    • 9,395 Posts
    • 9,529 Thanks
    Linton
    But the whole point of this thread is to compare active vs passive. If you are comparing between people on here, it does not make sense to compare returns in two different currencies. It needs to be compared like for like. Of course for bostonerimus, he may not care and thats perfectly fine. But its important to know when people do compare his performance with others, that his returns are in USD whereas the vast majority of other posters on here will have returns based in sterling.
    Originally posted by economic
    yes - isnt that what the bostoner£ portfolio is for?
    • cloud_dog
    • By cloud_dog 1st Feb 18, 2:43 PM
    • 3,726 Posts
    • 2,215 Thanks
    cloud_dog
    But the whole point of this thread is to compare active vs passive. If you are comparing between people on here, it does not make sense to compare returns in two different currencies. It needs to be compared like for like.
    Originally posted by economic
    Aren't you measuring the growth? Bostonerimus is investing in US funds, based in US$, and valued in US$, he is at a disadvantage (or advantage) when converting his growth using our exchange rate, surely?
    Personal Responsibility - Sad but True

    Sometimes.... I am like a dog with a bone
    • Filo25
    • By Filo25 1st Feb 18, 2:53 PM
    • 1,510 Posts
    • 2,207 Thanks
    Filo25
    Aren't you measuring the growth? Bostonerimus is investing in US funds, based in US$, and valued in US$, he is at a disadvantage (or advantage) when converting his growth using our exchange rate, surely?
    Originally posted by cloud_dog
    Both are relevant, obviously Bostonerimus is a US based investor based in US equities, so the USD performance is all that matters to him.

    It is just that you then can't compare to anyone else's numbers as all the other numbers are GBP based, so if we are looking at a comparison basis between various portfolio performances and methodologies having numbers in different currencies makes it impossible, any portfolio will obviously have performed much more strongly in USD than it will in GBP over the last few months due to the USD devaluation, but that doesn't tell us anything about the underlying investment performance.

    We would obviously have seen the opposite impact to an even greater degree at the time of the Brexit vote for GBP
    Last edited by Filo25; 01-02-2018 at 2:55 PM.
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