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  • FIRST POST
    • TBC15
    • By TBC15 29th Sep 17, 2:08 PM
    • 465Posts
    • 240Thanks
    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

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

    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

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

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

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

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

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



    Passive

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

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

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

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

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

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


    For Reference Passive Vanguard

    FTSEGlobalAllC3.1_3.2__4.9__5.1__4.1__0.3__3.0
    Last edited by TBC15; 03-05-2018 at 4:26 PM. Reason: update
Page 5
    • Thrugelmir
    • By Thrugelmir 3rd Feb 18, 10:00 AM
    • 58,459 Posts
    • 51,836 Thanks
    Thrugelmir
    There might be a tendency to overweight local stock markets, but there's nothing to stop someone in the UK overweighting the US and vis-versa.....of course we then get deeper into currency issues.
    Originally posted by bostonerimus
    Hence why I currently actively hold any direct USA IT's such as NAIT. I sold out when the exchange rate fell through the floor. Likewise with European holdings such as EAT. Which I bought when the exchan ge rate was on average above euro 1.38. Sold out entirely when the rate was exchan e rate was euro 1.08. As not just the capital value that's impacted but income.
    Last edited by Thrugelmir; 03-02-2018 at 10:03 AM.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • bowlhead99
    • By bowlhead99 3rd Feb 18, 10:10 AM
    • 7,828 Posts
    • 14,299 Thanks
    bowlhead99
    I make it that the Vanguard FTSE Global All Cap Acc has the following monthly scores:

    Oct: 3.6%
    Nov: 3.2%
    Originally posted by finellah
    Not sure how you have the cumulative to November being lower than October, given that Vanguard's published price for 31 October was £115.2704 and its published price for 30 November was £115.3447, which is some 0.064% higher.

    But still, the last January price of £117.5126 was 5.1% higher than the last September price of £111.7634 so your figures seem to have worked out in the end.

    Over short periods the figures can be incredibly sensitive to to which exact day you use.For example on that Vanguard fund if you go from 29 September to 31 January you get the 5.144% as mentioned above , whereas if you go from 2 October to 2 February, you only get 2.67%. That's a result of the price leaping by almost 1.4% over the weekend at the end of September, and falling by a percent on Friday.

    So someone recording a 4 month return from the first working day of October to 4 calendar months later, will get a performance about two and a half percent worse than recording a return from the last working day of September to the last working day of January.

    This sort of effect will dilute down by the time we are five to ten years down the road and are looking at bigger overall movements.
    • Thrugelmir
    • By Thrugelmir 3rd Feb 18, 10:15 AM
    • 58,459 Posts
    • 51,836 Thanks
    Thrugelmir
    Iíve updated your result for Jan to reflect you now have 5.7% more than you started of with.
    Originally posted by TBC15
    Apologies if I wasn't clear. The cash balance is included in the total amount. I wish I did have a 5.7% gain! Simply disclose this balance for reference. As there's no automatic reinvestment. To avoid excessive trading charges will let the balance build until economic to invest.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • cloud_dog
    • By cloud_dog 3rd Feb 18, 10:22 AM
    • 3,687 Posts
    • 2,186 Thanks
    cloud_dog
    I suppose that it might be useful to record an all equity passive option for some sort of comparison with those active portfolios which are all in equities. I don't think any of the passive portfolios are all equity but many of the actives are...

    I make it that the Vanguard FTSE Global All Cap Acc has the following monthly scores:

    Oct: 3.6%
    Nov: 3.2%
    Dec: 5.0%
    Jan: 5.1%
    Originally posted by finellah
    I think it would be useful to add finellah passive all equity in to the game, if only as a reference point.
    Personal Responsibility - Sad but True

    Sometimes.... I am like a dog with a bone
    • finellah
    • By finellah 3rd Feb 18, 10:40 AM
    • 29 Posts
    • 2 Thanks
    finellah
    Not sure how you have the cumulative to November being lower than October, given that Vanguard's published price for 31 October was £115.2704 and its published price for 30 November was £115.3447, which is some 0.064% higher.
    Originally posted by bowlhead99
    As per your subsequent point about a day here or there...I think I picked up the price for 1st November at £115.7808 rather than 31st Oct. Apologies...
    • TBC15
    • By TBC15 3rd Feb 18, 10:41 AM
    • 465 Posts
    • 240 Thanks
    TBC15
    Apologies if I wasn't clear. The cash balance is included in the total amount. I wish I did have a 5.7% gain! Simply disclose this balance for reference. As there's no automatic reinvestment. To avoid excessive trading charges will let the balance build until economic to invest.
    Originally posted by Thrugelmir
    Ooops I'll get the rubber out.
    • finellah
    • By finellah 3rd Feb 18, 10:51 AM
    • 29 Posts
    • 2 Thanks
    finellah
    As per your subsequent point about a day here or there...I think I picked up the price for 1st November at £115.7808 rather than 31st Oct. Apologies...
    Originally posted by finellah
    and for clarity that corrects to:

    Oct: 3.1%
    Nov: 3.2%
    Dec: 4.9%
    Jan:5.1%
    • TBC15
    • By TBC15 3rd Feb 18, 11:00 AM
    • 465 Posts
    • 240 Thanks
    TBC15
    and for clarity that corrects to:

    Oct: 3.1%
    Nov: 3.2%
    Dec: 4.9%
    Jan:5.1%
    Originally posted by finellah
    If you are happy to provide the monthly updates, Iíll add it to the list.
    • finellah
    • By finellah 3rd Feb 18, 11:03 AM
    • 29 Posts
    • 2 Thanks
    finellah
    If you are happy to provide the monthly updates, Iíll add it to the list.
    Originally posted by TBC15
    Will do...
    • TBC15
    • By TBC15 3rd Feb 18, 11:12 AM
    • 465 Posts
    • 240 Thanks
    TBC15
    Will do...
    Originally posted by finellah
    Couldnít you have picked something with a shorter name? formatting could be a challenge.
    • cloud_dog
    • By cloud_dog 3rd Feb 18, 12:41 PM
    • 3,687 Posts
    • 2,186 Thanks
    cloud_dog
    finellah All Eq.
    Personal Responsibility - Sad but True

    Sometimes.... I am like a dog with a bone
    • cloud_dog
    • By cloud_dog 3rd Feb 18, 2:08 PM
    • 3,687 Posts
    • 2,186 Thanks
    cloud_dog
    Want a seat at the table?

    Bring forth your portfolio.
    Originally posted by TBC15
    I don't propose to add this, as this is somewhat retrospective but, if the OH SIPP had £100k back at the end of Sept/start Oct the portfolio would be up at 6.81% (based on Sept 29 2017 and 31 Jan 2018 closing prices).
    Personal Responsibility - Sad but True

    Sometimes.... I am like a dog with a bone
    • TBC15
    • By TBC15 3rd Feb 18, 4:02 PM
    • 465 Posts
    • 240 Thanks
    TBC15
    If you are confident in your figures and the portfolio was basically the same October onwards, please put the rebased constituents here

    http://forums.moneysavingexpert.com/showthread.php?p=73192270#post73192270

    and I'll update the thread.

    Following the rebased portfolio on Trustnet would be wise.

    Nice to have you on board.
    Last edited by TBC15; 03-02-2018 at 4:05 PM.
    • TBC15
    • By TBC15 1st Mar 18, 3:01 AM
    • 465 Posts
    • 240 Thanks
    TBC15
    Well, that was an interesting bump in the road. How are all our financial vehicles fairing? Far from air bags deploying, but interesting non the less.

    And the results for February

    TBC15 £108209 8.2%
    BLB53 £101934 1.9%
    • Prism
    • By Prism 1st Mar 18, 7:06 AM
    • 331 Posts
    • 253 Thanks
    Prism
    Just about recovered at the end of feb and made a tiny gain so I am now up 9.4% since the start
    • Linton
    • By Linton 1st Mar 18, 7:52 AM
    • 9,381 Posts
    • 9,512 Thanks
    Linton
    Linton Growth £105678
    Linton WP £99843
    • finellah
    • By finellah 1st Mar 18, 2:14 PM
    • 29 Posts
    • 2 Thanks
    finellah
    Finellah 3.4%
    FinellahVLS80 2.7%
    Vanguard FTSE Global All 4.1%
    Last edited by finellah; 01-03-2018 at 3:30 PM.
    • bostonerimus
    • By bostonerimus 1st Mar 18, 2:25 PM
    • 1,818 Posts
    • 1,167 Thanks
    bostonerimus
    Going into Feb my total was $10787 and coming out it's $10438......so current portfolio gain is 4.38%

    Portfolio started as VTSAX 50%, VTIAX 20%, VBTLX 30%.
    Misanthrope in search of similar for mutual loathing
    • ams25
    • By ams25 2nd Mar 18, 4:53 PM
    • 159 Posts
    • 186 Thanks
    ams25
    AMS active 60 101902
    VLS60 101551
    • Thrugelmir
    • By Thrugelmir 10th Mar 18, 11:21 PM
    • 58,459 Posts
    • 51,836 Thanks
    Thrugelmir
    Apologies for the late update. Finally got round to recalculating the changes.

    January 2018 £103,914.20p +3.91%

    February 2018 £102.617.21p +2.61%
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
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