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.

Stock Investing for Summer, 2021

I usually wait until a bit later but since there is some money on the sidelines anyways and I’ve made some stock recommendations (see here), it makes sense just to do this all right now.

This year we’ve moved 4 of the accounts (2-5) from UTMA to where they are owned by the beneficiary but the (former) trustee has “limited” agency power to see the data and make trades, but can’t move money in or out of the account.

This makes investing slightly more complicated in that I need to send the money to the beneficiary and THEY need to send it on to the investing account. I can no longer move money directly from my account to their account (due to the limited agency rules).

Portfolio Eight Updated July 2021

Portfolio eight is almost six years old.  The beneficiary contributed $3000 and the trustee $6000 for a total of $9000.   The current value is $17,408 for a gain of $8,408 or 93% which is 19% / year adjusted for the timing of cash flows.  Go here for details or to the link on the right.

We are watching Baozun may sell due to China headwinds even though they seem to be a good company.

Portfolio Seven Updated July 2021

Portfolio seven is almost six years old.  The beneficiary contributed $3000 and the trustee $6000 for a total of $9000.  The current value is $15,466 for a gain of $6,466 or 71%, which is 15.7% / year adjusted for the timing of cash flows.  Go here for details or to the link on the right.

The portfolio is doing well overall but we are looking at Alibaba (BABA) which is a giant company doing well but buffered by changing regulations in China, and Baozun the e-commerce enablement firm in China as well.  Will look at plans and may consider selling them.

Portfolio Six Updated July 2021

Portfolio six is almost 9 years old.  The beneficiary contributed $4500 and the trustee $9000 for a total of $13,500.  The current value is $24,154 for a gain of $10,654 or 78%, which is 11.5% / year adjusted for the timing of cash flows.  Go here for details or to the link on the right.

The stocks are generally doing well and no action is needed at this time.

Portfolio Four Updated July 2021

Portfolio four is almost 12 years old.  The beneficiary contributed $6000 and the trustee $12,000 for a total of $18,000.  The current value is $38,597 for a gain of $20,597 or 114%, which is 11.3% / year adjusted for the timing of cash flows.  Go here for the details or to the link on the right.

Like the other portfolios that moved to the agency model recently, the brokerage switched to paying dividends in fractional shares which caused a book keeping headache and I’ve switched back (it doesn’t impact value).  The portfolio has done well and currently doesn’t have much cash on hand.

Portfolio Five Updated July 2021

Portfolio Five is almost 12 years old.  The beneficiary contributed $6000 and the trustee $12,000 for a total of $18,000.  The current value is $38,767 for a gain of $20,767 or 115%, which is 11.4% / year adjusted for the timing of cash flows.  You can see the details here or at the link on the right.

The stocks in the portfolio are generally doing well.  Alibaba and Baozun have been hit with headwinds out of China.  Right now there is $7,452 in cash, mostly from the sale of Appian (APPN), which rose quickly and we sold and have not yet reinvested the funds.

It is minor and doesn’t impact value but we moved these portfolios from UTMA to owned by the beneficiary and the provider flipped all the individual stocks to reinvest dividends so now we have a lot of fractional shares.  I turned that off and it is minor in the grand scheme but an annoyance because I work here to tie out to the penny.

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.

Portfolio Two Updated July 2021

Portfolio two is almost 17 years old.  The beneficiary contributed $13,000 and the trustee $17,200 for a total of $30,200.  The current value is $61,439 for a gain of $31,239 or 103%, which is 8.2% / year adjusted for the timing of cash flows.  Go here or to the link on the right for more detail.

The portfolio is doing well overall, with mostly ETF’s and some single name stocks.  BABA is one of the single name stocks that has hit trouble recently with Chinese regulation, but it is a good long term holding.  The portfolio has 23% of assets in  cash, bonds, & gold which reduces risk but also has held down returns that have risen recently after the March 2020 markets scare.