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  • FIRST POST
    • TBC15
    • By TBC15 29th Sep 17, 2:08 PM
    • 675Posts
    • 336Thanks
    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.

    As we are now into the second year I’ve included the first years results under the column 1ST.
    % growth is from original start date of 29th Sept 2017

    For those who wish to see the monthly figures for the first year they are included in cloud dogs spreadsheet.

    https://docs.google.com/spreadsheets/d/12cKYIJ2mE7D7jbsCmKZksz4pYLoFrtLdVqsUHA95rjU/edit#gid=0


    Active_______1ST__OCT__NOV__DEC__JAN__FEB__MAR__AP R__MAY__JUN__JUL__AUG__SEP

    Ams25________6.5__1.0__1.2__

    Finellah_____9.9__6.9__8.9__

    Linton G____13.9__5.6__6.7__

    Linton WP____1.9__1.4__0.3__

    Prism G_____19.3_10.4_12.3__

    TBC15_______18.0__9.7_12.1__

    Thrugelmir___7.9__3.4__0.5__

    Passive______1ST__OCT__NOV__DEC__JAN__FEB__MAR__AP R__MAY__JUN__JUL__AUG__SEP

    A_T BB_______5.7__TBA_-1.3__

    AMS25________6.8__3.2__3.6__

    BLB53________6.8__3.2__3.6__

    Bostonerimus_8.9__2.5__2.8__

    Bostoner£___12.1__7.5__6.8__

    FinellahVLS809.3__4.3__5.1__

    For reference Vanguard FTSE Global All Cap

    VGFTSEGALL__12.8__6.1__7.8__

    Physical Gold Sovereigns

    DiggerUK____-5.0_-0.9_-0.5__

    Please note Sovereigns have a spread of typically 3.5% to buy and 2.5% to sell
    Last edited by TBC15; 09-12-2018 at 11:01 AM.
Page 6
    • TBC15
    • By TBC15 31st Mar 18, 4:21 AM
    • 675 Posts
    • 336 Thanks
    TBC15
    Another interesting month, thank you Donald.

    March results
    TBC15 £104012 4.0%
    BLB53 £100214 0.2%
    • Linton
    • By Linton 31st Mar 18, 6:19 AM
    • 10,094 Posts
    • 10,434 Thanks
    Linton
    Linton Growth £102039
    Linton WP £98626
    • ams25
    • By ams25 31st Mar 18, 8:25 AM
    • 223 Posts
    • 297 Thanks
    ams25
    Ams25 active 60:40. 100556
    Vls 60. 100214

    Nothing in it!
    • finellah
    • By finellah 31st Mar 18, 8:45 AM
    • 46 Posts
    • 6 Thanks
    finellah
    Finellah 1.2
    FinellahVLS80 0.0
    Vanguard All Cap 0.3
    • A_T
    • By A_T 31st Mar 18, 9:33 AM
    • 570 Posts
    • 394 Thanks
    A_T
    A_T's British Bulldog Portfolio

    100465.5

    +0.46%
    • Prism
    • By Prism 31st Mar 18, 9:42 AM
    • 573 Posts
    • 477 Thanks
    Prism
    Prism global is 105,074

    Thats what being overweight tech does for you sometimes. My tech tracker is down 8% for the month though luckily I have been decreasing its weighting since we started this.
    • Thrugelmir
    • By Thrugelmir 4th Apr 18, 9:02 AM
    • 61,363 Posts
    • 54,612 Thanks
    Thrugelmir
    Don't Let Your Granny Loose at the Dogs

    £100,244.32 0.24%


    Visible price weakening across the whole portfolio. Appears to be a change of wind direction.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • ivormonee
    • By ivormonee 4th Apr 18, 9:36 AM
    • 168 Posts
    • 105 Thanks
    ivormonee

    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.
    Originally posted by bowlhead99
    I tend to favour last working day of preceding period to post-close of last working day of period under review.

    I have discovered though that when looking at some online data sites, MorningStar being a good example, the data does not always seem correct. For example, I was looking at the Vanguard LifeStartegy (LS) funds at the weekend, hoping to get some annual performance figures and, for the Vanguard LS 100% Equity as an example, MorningStar (MS) stated an annual increase of 1.50% when looking at the year (as explained above, ending on close of play 29th March as Friday onwards through to Sunday 1st April were all non-market days).

    When I then looked on a separate part of MS it stated the annual increase over the same period as 2.38%. And when I then again looked for the same data (still on MS) but used "1 Yr Anlsd % (ME)" as opposed to "1 Yr Anlsd %" (without the "(ME)" which I presumed might mean month end, I got a figure of 6.34% for exactly (as I understand it) the same period.

    Depending on which screen I looked at it would state either figures to 29 March, 30 March or 31 March which, given that all those dates were non-business dates should have made no difference.

    My point is that even looking at data sources that you would expect to rely on, and I would think MS falls within that category, there is conflicting information; there is a significant difference between 6.34%, 2.38% and 1.50% to describe the same performance of the same fund over the same time period.
    • Filo25
    • By Filo25 4th Apr 18, 10:32 AM
    • 1,802 Posts
    • 2,634 Thanks
    Filo25
    Always an interesting read, this thread.

    Comparing my portfolio to various passive benchmarks, equities seem to be holding up pretty well thus far, not so much the case for my bond funds though!

    Unfortunately started my portfolio after 29th September so can't really include the numbers here on a meaningful basis.
    • TBC15
    • By TBC15 4th Apr 18, 5:30 PM
    • 675 Posts
    • 336 Thanks
    TBC15
    Always an interesting read, this thread.

    Comparing my portfolio to various passive benchmarks, equities seem to be holding up pretty well thus far, not so much the case for my bond funds though!

    Unfortunately started my portfolio after 29th September so can't really include the numbers here on a meaningful basis.
    Originally posted by Filo25
    How retrospective would the numbers be?
    • TBC15
    • By TBC15 4th Apr 18, 5:34 PM
    • 675 Posts
    • 336 Thanks
    TBC15
    I tend to favour last working day of preceding period to post-close of last working day of period under review.

    I have discovered though that when looking at some online data sites, MorningStar being a good example, the data does not always seem correct. For example, I was looking at the Vanguard LifeStartegy (LS) funds at the weekend, hoping to get some annual performance figures and, for the Vanguard LS 100% Equity as an example, MorningStar (MS) stated an annual increase of 1.50% when looking at the year (as explained above, ending on close of play 29th March as Friday onwards through to Sunday 1st April were all non-market days).

    When I then looked on a separate part of MS it stated the annual increase over the same period as 2.38%. And when I then again looked for the same data (still on MS) but used "1 Yr Anlsd % (ME)" as opposed to "1 Yr Anlsd %" (without the "(ME)" which I presumed might mean month end, I got a figure of 6.34% for exactly (as I understand it) the same period.

    Depending on which screen I looked at it would state either figures to 29 March, 30 March or 31 March which, given that all those dates were non-business dates should have made no difference.

    My point is that even looking at data sources that you would expect to rely on, and I would think MS falls within that category, there is conflicting information; there is a significant difference between 6.34%, 2.38% and 1.50% to describe the same performance of the same fund over the same time period.
    Originally posted by ivormonee
    For the purposes of this exercise we are using Trustnet, give or take a day.
    Itís supposed to be fun and informative, not definitive.
    • TBC15
    • By TBC15 4th Apr 18, 5:41 PM
    • 675 Posts
    • 336 Thanks
    TBC15
    Don't Let Your Granny Loose at the Dogs

    £100,244.32 0.24%


    Visible price weakening across the whole portfolio. Appears to be a change of wind direction.
    Originally posted by Thrugelmir
    Wind's been backing for a few months, change in weather ahead I fear. Still 5 yrs of sun was bliss while it lasted.

    (Backing was a wrong analogy, but I'll leave it in to generate discussion. I'm sure a sailor will pitch up soon.)
    Last edited by TBC15; 04-04-2018 at 5:56 PM.
    • Thrugelmir
    • By Thrugelmir 4th Apr 18, 5:55 PM
    • 61,363 Posts
    • 54,612 Thanks
    Thrugelmir
    Wind's been backing for a few months, change in weather ahead I fear. Still 5 yrs of sun was bliss while it lasted.
    Originally posted by TBC15
    I'm personally expecting further retrenchment. After a period of what have been exceptional returns by historic standards. Far ahead of where I hoped to be. Therefore no complaints.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • Filo25
    • By Filo25 4th Apr 18, 6:44 PM
    • 1,802 Posts
    • 2,634 Thanks
    Filo25
    How retrospective would the numbers be?
    Originally posted by TBC15
    Mostly retrospective, only went "live" in January, so really not fair to compare!
    • TBC15
    • By TBC15 4th Apr 18, 7:10 PM
    • 675 Posts
    • 336 Thanks
    TBC15
    Mostly retrospective, only went "live" in January, so really not fair to compare!
    Originally posted by Filo25
    Shame 3 months is a bit retrospective. I canít help but think the next 6 months will be interesting.
    • bostonerimus
    • By bostonerimus 13th Apr 18, 5:18 PM
    • 2,454 Posts
    • 1,761 Thanks
    bostonerimus
    Late to the party......my passive portfolio of 50% VTSAX (US Equity), 20% VTIAX (International; Equity) and 30% VTBLX (US Bonds) had a balance at the end of March of $103410....so still up 3.4%.
    Last edited by bostonerimus; 13-04-2018 at 10:13 PM.
    Misanthrope in search of similar for mutual loathing
    • finellah
    • By finellah 1st May 18, 3:55 PM
    • 46 Posts
    • 6 Thanks
    finellah
    Finellah 3.3%
    FinellahVLS80 2.6%
    Vanguard All Cap 3.0%
    Last edited by finellah; 01-05-2018 at 3:58 PM.
    • Prism
    • By Prism 1st May 18, 4:45 PM
    • 573 Posts
    • 477 Thanks
    Prism
    Well we are back up again to 107,865, pretty much in line with the FTSE world for this month

    Every chance I get I have been selling a bit of my tech fund to re-invest into my regional UK and Europe funds. Its been a good run but I have been a bit too overweight tech in recent times and Fundsmith has increased its tech weighting. Oh, and I also hold some SMT elsewhere. I guess you could say I have been doing a bit of 'market timing' tut tut.
    • Thrugelmir
    • By Thrugelmir 1st May 18, 6:35 PM
    • 61,363 Posts
    • 54,612 Thanks
    Thrugelmir
    Don't Let Your Granny Loose at the Dogs

    £102,434.49p +2.43%

    Just when I thought that the portfolio was heading for negative terrority.... responds with 2.18% recovery in the month.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • bostonerimus
    • By bostonerimus 1st May 18, 7:48 PM
    • 2,454 Posts
    • 1,761 Thanks
    bostonerimus
    Interesting to see that my portfolio in $ is at +3.4%, but in pounds is -1.3%.....the pound is getting stronger and stronger. I'm glad I spend $.
    Misanthrope in search of similar for mutual loathing
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