Portfolio Three Updated July 2021

Portfolio three is 14 years old.  The beneficiary contributed $7000 and the trustee $14,200 for a total of $21,200.  The current value is $34,524 for a gain of $13,324 or 63%, which is 6.3% / year adjusted for the timing of cash flows.  You can see the detail here or at the link on the right.

The portfolio is ETF based.  We recently moved from UTMA to self-managed with agency and the dividends came in the form of incremental shares rather than cash so we had to adjust the shares, and there was a reverse split for gold (IAU).  These are minor changes in the grand scheme, but since I tie out to the penny, it is annoying.  I recently changed the ETF’s to not re-invest, which works out since we aggregate dividends and re-invest with new contributions regularly.  The portfolio is 34% Bonds / Cash / Gold which reduces risk but also returns in times when the markets have been rising such as the post March 2020 market scare.






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