Portfolio One Updated April, 2022

Portfolio one is 20 1/2 years old. The beneficiary contributed $10,000 (net of withdrawals) and the trustee $20,000 for a total of $30,000. The current value is $82,037 for a gain of $52,037 or 173%, which is 8.3% / year when adjusted for the timing of cash flows. Go to the link or here to see details.

This portfolio is down with the others and we can look at a few stocks:

  • Block (SQ) – this is an interesting stock but was hit hard in recent SAAS / payment stock re-valuations
  • Pinduoduo (PDD) – the Chinese tech stocks have been devalued by Chinese government actions, tensions with the USA, and a general re-evaluation of tech stocks
  •  Meta (FB) – Meta’s challenges are well documented as they pivot to Augmented reality – but they still make a lot of profits and have great assets worldwide
  • Rocket (RKT) – we sold half our rocket when they hit a “meme stock” high which is good in hindsight.  The stock pays a strong dividend but is hit hard by the impending raise in interest rates which chokes mortgage growth and refinancing
  • Alibaba (BABA) – like PDD this stock suffered from a triple whammy
  • Paypal (PYPL) – one of the most perplexing on the list, PayPal fell instantly out of favor with analysts after stopping guidance the shares cratered without a significant negative event in the business
  • OKTA (OKTA) – this software company had an acquisition the market didn’t like and then was hit with the overall re-evaluation of software companies valued by growth not profits

Portfolio Two Updated April 2022

Portfolio Two is 17 1/2 years old.  The trustee contributed $18,200 and the beneficiary $27,000 for a total of $45,200.  The current value is $72,659 for a gain of $27,460 or 60.8%, which is 6.7% / year when adjusted for the timing of cash flows.  Go here or to the link for more details.

This portfolio contains a mix of ETF’s, cash and individual stocks.  The ETF’s mainly track the market and cash is even so let’s talk about some of the stocks, as follows:

  • Meta (FB) and Alibaba (BABA) are down significantly.  Meta has been hit with the tech downturn and Apple privacy changes and Alibaba has been hit by regulatory and tech crackdowns in China
  • Cloudflare (NET) is an innovative tech company with a high valuation (in terms of price to sales, one of the highest for tech companies) and it has been variable recently, although it has bounced back from recent lows
  • Nike (NKE) and L’Oreal (LRLCY) are relatively recent purchases that are in the consumer product space and they are down since we bought them (although not as big as the tech drops)

Portfolio Three Updated April 2022

Portfolio Three is 14 1/2 years old.  The beneficiary contributed $7500 and the trustee $15,200 for a total of $22,700.  The current value is $35,270 for a gain of $12,570 or 55%, which is 5.3% / year adjusted for the timing of cash flows.  Go to the link or here for more details.

This portfolio is invested in ETF’s that contain US stocks only and it has been mostly in line with the US market.

Portfolio Five Updated April 2022

Portfolio five is 12 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $35,277 for a gain of $15,766 or 80%, which is 8.2% / year adjusted for the timing of cash flows.  Go here or to the link on the right for more details.

Portfolio five has been impacted by the market decline, as follows:

  • We made some purchases earlier in the year of Appian (APPN), Intel (INTC), Block (SQ) and SNAP (SNAP) that fell 30% – 50% after the purchase.  We will look again these stocks
  • We bought Activision (ATVI) which did well (up 20%) with an acquisition offer from Microsoft; we should sell at this point
  • Cloudflare (NET), OKTA (OKTA) and PayPal (PYPL) have all been impacted recently.  Cloudflare fell far but came back.  OKTA made an acquisition that the market did not like and was hit by a hack and the general decline in software valuations.  PayPal stopped giving forward guidance and was hit hard by the market.  We will re-look at these stocks

Portfolio Four Updated April 2022

Portfolio four is 12 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $45,993 for a gain of $26,494 or 136%, which is 11.7% / year adjusted for the timing of cash flows.  See the details here or at the link on the right.

Some of the stocks have declined based on recent market events and are being reviewed including:

  • Block (SQ) is a new holding that declined since we bought it
  • Cloudflare (NET) is an innovative software company that went up a lot and then lost significant value
  • OKTA (OKTA) is a software company that had been a great performer for a long time but recently was hit by the re-valuation of software growth companies, an acquisition the market didn’t like, and a hack

Portfolio Eight updated April 2022

Portfolio 8 is 6 1/2 years old. The beneficiary contributed $3500 and the trustee $7000 for a total of $10,500. The current value is $15,449 for a gain of $4949 or 47% which is 9.7% / year. See details here or in the link on the right.

Like the market as a whole our stocks have gone down recently.  Some items under review:

  • New purchases Block (SQ) and Nike (NKE) have gone down since we purchased them
  • OKTA (OKTA) had been a great performing stock but they went down with the high growth software stocks as well as an acquisition the market did not agree with and a recent hack
  • Paypal (PYPL) was another well performing stock that fell significantly when they had an earnings call and offered cautions on future growth

Portfolio Seven Updated April 2022

Portfolio Seven is 6 1/2 years old.  The beneficiary contributed $3500 and the trustee $7000 for a total of $10,500.  The current value is $12,542 for a gain of $2,042 or 19%, which is 4% / year adjusted for the timing of cash flows.  See here or the link on the right for the details.

This portfolio was hit by some recent stock drops.

  • PayPal (PYPL) had a bad earnings call and limited forward guidance of profits and the stock dropped a lot.  We will be re-evaluating this stock.
  • Recent acquisitions Block (SQ) and Nike (NKE) fell with the market after we bought them
  • Alibaba (BABA) the massive Chinese e-commerce company has been buffeted by the deteriorating relationship between China & the USA and a crack down on tech companies in that country as well

We will look at what to do about these stocks.

Portfolio Six Updated March 2022

Portfolio Six is 9 1/2 years old.  The trustee contributed $10,000 and the beneficiary $5000 for a total of $15,000.  The current value is $25,192 for a gain of $10,192 or 68%, which is 9.2% / year adjusted for the timing of cash flows.  You can see performance here or on the link on the right.

Some stocks are on watch.  Paypal (PYPL) had a huge price crash based on forward guidance (not a change in their business model), dropping more than 60% from its highs.  OKTA (OKTA) is down about 40% off its highs, along with more of the speculative tech stocks (those that trade at a multiple of revenues not earnings).  Some other stocks have gone off their recent highs but still trade at significant increases from where we’ve bought them (TSM and NVDA).

Portfolio Seven Updated January 2022

Portfolio Seven is 6 years old.  The beneficiary contributed $3500 and the trustee $7000 for a total of $10,500.  The current value is $14,317 for a gain of $3817 or 36%, which is 7.8% / year when adjusted for the timing of cash flows.  Go here for a summary or to the link.

This year we sold Bauzon (BZUN) and Sumo Logic (SUMO) and bought Nike (NKE), Block / Square (SQ), and Tesla (TSLA).

Gains have primarily come from Taiwan Semiconductor (TSM), PayPal (PYPL) and Mastercard (MA). PayPal is down about 40% recently with the reduction in payment and tech stocks but still is well run, but something to watch. We should strongly consider selling Alibaba (BABA) the regulatory climate in China is very harsh right now (may also be a long term buying opportunity).

Portfolio Six Updated January 2022

Portfolio Six is nine years old.  The beneficiary contributed $5000 and the trustee $10,000 for a total of $15,000.  The current value is $28,020 which is a gain of $13,020 or 87%, which is 11.1% / year adjusted for the timing of cash flows.  Go here for a summary or to the link.

This year we sold three stocks (Facebook, Sumo Logic and Baozun) and bought three stocks (Intel, Paypal and L’Oreal).  Nvidia (NVDA) also split shares.

The portfolio is overall doing well.  The largest gains have been tied to NVDA, OKTA, Taiwan Semiconductor (TSM), Union Pacific (UNP) and Procter & Gamble).

Portfolio Five Updated January 2022

Portfolio Five is 12 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $40,195 for a gain of $20,695 which is 106% or 9.9% / year adjusted for the timing of cash flows.  Go here for a summary or to the link on the left.

This year we had three sales – Alibaba (BABA) for a small gain, Sumo for a small loss, and Baozun (BZUN) for a larger loss.

We purchased 6 new stocks – Appian (APPN), Activision / Blizzard (ATVI), Intel (INTC), Snap, Block (formerly Square) (SQ), and Tesla (TSLA).

Generally the portfolio has been doing well.  There are 19 stocks in the portfolio and it is quite diverse.

Recently we’ve seen declines in some former high flyers Cloudflare (NET), Paypal (PYPL), and OKTA (OKTA).  We saw some new highs with Infosys (INFY), Union Pacific (UNP) and Procter and Gamble (PG).

Portfolio Four Updated November 2021

Portfolio four is 12 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $51,656 for a gain of $32,156 or 165%, which is 13.2% / year adjusted for the timing of cash flows.  Check the values here or at the link on the right.

The portfolio is doing well overall in this bull market.  The biggest winners are Tesla, NVIDIA and recently purchased Cloudflare (NET).  The other stocks are doing well.

Portfolio Three as of October 2021

Portfolio three is 14 years old.  The beneficiary contributed $7500 and the trustee $15,200 for a total of $22,700.  The current value is $37,246 for a gain of $14,546 which is 64% or 6% / year adjusted for the timing of cash flows.  Go to the link on the right or here for details.

The portfolio consists of three US market ETF’s – Mega, Growth and Total market.  The portfolio Is almost totally invested, with just 3% in cash.

Portfolio Two Updated October 2021

Portfolio Two is seventeen years old.  The beneficiary contributed $27,000 and the trustee $18,200 for a total of $45,200.  The current value is $79,546 for a gain of $34,346 or 76%, which is 7.6% / year adjusted for the timing of cash flows.  For details go here or to the link on the right.

The portfolio is generally doing well.  There is a core of ETF’s and some individual stocks.  Cloudflare (NET) has been doing well and the others mostly purchased recently.  Alibaba (BABA) is up from recent very low prices caused by Chinese politics and a deferral of the Ant IPO, but we are holding on for now.

This portfolio has over $20,000 in cash and the total bond fund (BND) ETF which reduces risk but also reduces total return opportunities.  1/4 of the fund is invested in cash or low risk equivalents rather than equities. 

Portfolio One Updated October 2021

Portfolio One is our longest lived portfolio.  It is 20 years old.  The trustee contributed $20,000 and the beneficiary $10,000 for a total of $30,000.  The current value is $98,262 for a gain of $68,262 which is 227% or 9.7% / year when adjusted for the timing of cash flows.  Go here for a summary or to the link on the right.

There was a stock split since the last update – Nvidia (NVDA) split 4/1. When that occurs you need to adjust the purchase price accordingly. We purchased 5 new stocks for the account so it is almost entirely invested (less than 2% is in cash). The portfolio is generally doing well, with large positions in Taiwan Semiconductor (TSM) and Paypal (PYPL) along with 23 other stocks. There are a couple stocks on watch, notably Alibaba (BABA) tied to the Chinese crackdown and Rocket Mortgage (RKT) which was briefly part of the Meme stock frenzy.

While many recent stock purchases don’t pay much in the way of dividends, over the 20 years of this portfolio, almost $10,000 of the total return is in dividends. This is a big reason why I create these offline tracking sheets, so that you can see the impact of dividends on the portfolio.