Portfolio Three Updated June 2020

Portfolio 3 is 12 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,200 for a total fo $19,700.  The current value is $26,476 for a gain of $6776 or 34%, which is 4.2% / year adjusted for the timing of cash flows.  See the summary here or at the link.

This portfolio, like portfolio 2, switched to ETF’s.  This portfolio has less cash and a higher proportion in BND, which is good since the yield on cash has dropped to a low 0.3% with the return of ZIRP.

Portfolio Two Updated June 2020

Portfolio Two is 15 1/2 years old.  The beneficiary contributed $8000 and the trustee $16,200 for a total of $24,200.  The current value is $44,019 for a gain of $19,819 or 81%, which is 6.7% / year adjusted for the timing of cash flows.  Go here for a summary or click on the link.

Last year we bought ~ $5000 worth of BND and that has returned 9% dividends & share price appreciation (annualized) which is better than the return on cash itself which has dropped from 1.7% a couple of years ago to 0.3% with the (near) return of ZIRP.  May want to move more from cash to BND (or even IAU) with the return of ultra low interest rates and the Fed even buying some debt instruments from corporations.

Portfolio Eight Updated June 2020

Portfolio Eight is 4 1/2 years old.  The beneficiary contributed $2500 and the trustee $5000 for a total of $7500.  The current balance is $10,402 for a gain of $2902 or 38%, which is 11% / year adjusted for the timing of cash flows.  Go here for a summary or use the link.

We recently sold GM and are holding the cash to reinvest as part of our fall 2020 reinvestment.

Portfolio Seven Updated June 2020

Portfolio Seven is 4 1/2 years old.  The beneficiary contributed $2500 and the trustee $5000 for a total of $7500.  The current value is $10,040 for a gain of $2540 or 34%, which is 9.8% / year adjusted for the timing of cash flows.  You can see the summary here or at the link.

We recently sold GM and held the cash we will combine it with the 2020 contributions to buy larger stock positions (around $1000 / each).

Portfolio Six Updated June 2020

Portfolio six is 7 1/2 years old.  The beneficiary invested $4000 and the trustee $8000 for a total of $12,000.  The current value is $15,029 for a gain of $3029 or 25%, which is 5% / year adjusted for the timing of cash flows.  Go here for a summary view or click on the link.

We recently sold some legacy oil stocks and have a mix of information technology, consumer goods and other industries.

Portfolio Five Updated June 2020

Portfolio five is almost 11 years old.  The beneficiary contributed $5500 and the trustee $11,000 for a total of $16,500.  The current value is $22,386 for a gain of $5886 or 35%, which is 5% / year adjusted for the timing of cash flows.  You can see a summary here or at the link.

We recently made some portfolio sales, removing some banks and a car manufacturer and European industrial conglomerate.  The portfolio is approximately 70% weighted to information technology & fintech.

Portfolio Four Updated June 2020

Portfolio four is almost eleven years old.  The beneficiary contributed $5500 and the trustee $11,000 for a total of $16,500.  The current value is $22,448 for a gain of 36%, which is 5% / year adjusted for the timing of cash flows.  You can see the detail here or at the link.

We recently sold some long time holdings and made new purchases.  We exited a bank and some oil stocks.  These stocks provided solid dividends over the years but fell out of favor recently.

Portfolio One Updated June 2020

Portfolio one is almost 19 years old. The beneficiary contributed $3000 (net of withdrawals) and the trustee $18,000 for a total of $21,000. The current value is $55,782 for a gain of $34,782 which is 165% or 7.5% / year when adjusted for the timing of cash flows. See the details here or on the link on the right.

The portfolio currently is almost 20% in cash.  Of the stocks, almost 80% are from the Information Technology / Payments sector.

Portfolio Eight Updated February 2020

Portfolio Eight is 4 1/2 years old.  The beneficiary contributed $2500 and the trustee $5000 for a total of $7500.  The current value is $10,347 for a gain of $2906 which is 38%, or 11.1% / year when adjusted for the timing of cash flows.  See the detail here or at the link on the page.

In 2019 there were no sales for tax purposes and we had $91 in dividends.

Right now the portfolio is doing well.  There are 2 stocks to keep an eye on:

  • Baozun (BZUN) – Chinese e-commerce company seems well run but has been hit by Chinese events
  • General Motors (GM) – world wide iconic car maker has a good dividend but has been hit by recent events in China.  They have also been making pre-emptive efforts to cut costs

 

Portfolio Seven Updated February 2020

Portfolio seven is 4 1/2 years old.  The beneficiary contributed $2500 and the trustee $5000 for a total of $7500.  The current value is $10,955 for a gain of $3455 or 46% which is 12.9% / year when adjusted for the timing of cash flows.  You can see the detail here or at the link on the page.

During 2019 we did not have any sales for tax purposes, but we did have about $107 in dividends.

Right now the portfolio is doing well.  There are 2 stocks to keep an eye on:

  • Baozun (BZUN) – Chinese e-commerce company seems well run but has been hit by Chinese events
  • General Motors (GM) – world wide iconic car maker has a good dividend but has been hit by recent events in China.  They have also been making pre-emptive efforts to cut costs

 

Portfolio Five Updated February 2020

Portfolio 5 is 10 1/2 years old.  The beneficiary contributed $5500 and the trustee $11,000 for a total of $16,500.  The current value is $22,877 for a gain of $6377 or 39% which is 5.3% / year adjusted for the timing of cash flows.  Go here for details or to the links on the page.

In 2019 we had 3 sales for a long term loss of -$430 and $367 in dividends.

Right now we have a few stocks we are looking at:

  • Baozun (BZUN) – Chinese e-commerce enabling firm keeps getting hit by headwinds.  Well run but may sell
  • General Motors (GM) – hit by labor unrest and now Chinese issues.  Holding up OK.

Portfolio Four Updated February 2020

Portfolio 4 is 10 1/2 years old.  The beneficiary contributed $5500 and the trustee $11,000 for a total of $16,500.  The current value is $23,284 for a gain of $6784 or 41%, which is 5.6% / year adjusted for the timing of cash flows.  See a summary here or at the links section.

We had 2 sales in 2019 for a long-term loss of ($320) and $361 of dividends.

The current portfolio is doing well.  The stocks on watch are:

  • Box (BOX), a well run software / storage company which has been in the doldrums for a while.  I thought that they could be a takeover candidate which would cause the stock price to rise.  May sell not much happening
  • Royal Dutch Shell (RDS.B) – this oil major has a high dividend but the stock has not done much for years.   Hit with recent oil price declines like the other oil majors.  May sell
  • Nucor (NUE) – we’ve had this US metals company for many years.  While well run, it hasn’t done a lot.  May sell

Portfolio Three Updated February 2020

Portfolio three is 12 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,200 for a total of $19,700.  The current value is $26,940 for a gain of $7240 or 37% which is 4.4% / year adjusted for the timing of cash flows.  See details here or at the links section.

This portfolio sold off individual stocks in late 2019 and moved into ETF’s for career reasons.  The ETF’s have been doing well since their purchase in late 2019.

There will be taxes for this portfolio tied to the sales of the individual stocks sold as well as the usual dividends earned.  These will be pulled off the 1099 for year end.

Portfolio 3 Updated December 2019

Portfolio three is 12 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $25,768 for a gain of $6,168 or 31%, which is 3.8% / year when adjusted for the timing of cash flows.  See the details here or go to the link on the right.

This portfolio recently changed from a stock portfolio to an ETF portfolio, like Portfolio 2.  We sold off the stocks and purchased ETF’s, including 52% in equities,  10% in gold, 28% bonds, and 10% cash (currently yielding 1.7%).

Portfolio Five Updated December 2019

Portfolio 5 is 10 years old.  The beneficiary contributed $5500 and the trustee $11,000 for a total of $16,500.  The current value is $21,627 for a gain of $5,127 or 31%, which is 4.5% / year when adjusted for the timing of cash flows.  See the details here or at the link on the right.

Bigger gains came from Appian (APPN), Union Pacific (UNP), and Procter and Gamble (PG).  There are 17 stocks in the portfolio.