Friday, January 10, 2014

Real life portfolio performance 2012-2013



There is two ways, how could I look at my portfolio and actions in 2013:
Option 1
Value
Performance indicator
Comments
Absolute return
$, K
%

6,2
2.7
Relative return
S&P 500, %
Portfolio, %
Missed opportunity due to overexposure to cash.
30
2.7
Cash accumulated in 2010 money
Planned $, K
Actual $, K
On target.
40
42
Personal plan
in 2010 money
Planned $, K
253
Actual $, K
265
Also the saving were on target I manage to exit damaging emerging market mutual funds

If my 2012 portfolio would stay unchanged:
Vanguard ETF is up by 6,600 USD and dividends are 260 USD, all together 6,860 USD
EUR and GBP are up towards USD, so the gain would be 3,240
Dividends for staying cash 2,500 (at 2%).
Gazprom dividends 860 USD (3000 shares) but the shares lost 2,940 USD. All together loss 2,080 USD
Precisious metals lost almost 4,260 USD

Absolute total return : 6,260 USD gain on 226,600 portfolio or 2.7%. However I did not do it and instead of going cash I bought shares.
Relative total return 2.7% vs. 30% (S&P 500)
Inflation adjusted return 0.7% (Inflation was 2% in 2013 in the USA).

Option 2
However this “unchanged” portfolio is not entirely representative, as I get out of the cash and went into the equities and mutual finds:
Vanguard ETF is up by 6,600 USD and dividends are 260 USD, all together 6,860 USD
↑ Gazprom annual dividends  USD 6,070 ,  3,000 shares from 2012 lost 3,879 USD. Shares bought in 2013 actually went up by 4,650. Total gain USD 6,840
↑Rosneft shares went up b 570 USD and dividends 340 USD. All together 910 USD.
↑ Vanguard 500 Index went up by 3,500 USD
↑ Company shares including dividens went up by 600 USD.
↑EUR is up towards USD for my holdings gain is 6,400 USD
↑GBP went up toward USD for my holdins this meant additional 300 USD
Precious metals lost almost 4,260 USD

Absolute total return  is 21,150 USD on  276,000 USD or 7.7%.
Relative total return 7.7% vs. 30% (S&P 500)
Inflation adjusted return 5.7% (Inflation was 2% in 2013 in the USA).

Value
Performance indicator
Comments
Absolute return
$, K
%

22
7.7
Relative return
S&P 500, %
Portfolio, %

30
7.7
Cash accumulated in 2010 money
Planned $, K
Actual $, K
On target.
40
42
Personal plan
in 2010 money
Planned $, K
253
Actual $, K
265
Also the saving were on target I manage to exit damaging emerging market mutual funds
Still no excuse for under performance but it is a little bit brighter!
 

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