Portfolio 4 is 8 years old. The trustee contributed $8000 and the beneficiary $4000 for a total of $12,000. The current value is $14,957 for a gain of $2,957 or 25% which is about 5% / year adjusted for the timing of cash flows. Go here or to the link on the right for more details.
We need to make some decisions on stocks prior to investing:
- Devon (DVN) – energy company hit hard by the decline in oil and gas prices. Likely sell
- Spirit Airlines (SAVE) – discount airlines down recently due to increased competition from major airlines. May sell
- Nucor (NUE) – metals company under continuous pressure from cheaper overseas imports. May sell
Portfolio Eight is 2 years old. The trustee contributed $2000 and the beneficiary $1000 for a total of $3000. The current value is $3411 for a gain of $411 or 13%, which is 8% / year. See the details here or use the link on the right.
Tata Motors (TTM), the Indian truck maker who also owns Jaguar / Land Rover, is on watch. We are considering selling this stock which has fallen over the last year.
Portfolio Seven is 2 years old. The trustee invested $2000 and the beneficiary $1000 for a total of $3000. The current value is $4209 for a gain of $1209 or 40%, which is 24% / year adjusted for the timing of cash flows. You can see the detail here or in the link to the right.
When you have a portfolio with only 4 stocks like this one, an increase in a single stock can impact your performance (positively or negatively). In this case Alibaba (BABA) the Chinese e-commerce giant has done very well which has accounted for 2/3 of the total growth in portfolio value.
We have one stock “on watch” which is Spirit Airlines (SAVE). The stock is down about 40% from its high price. We are considering selling this or holding on as it competes with other airlines.
Portfolio six is 5 years old. The beneficiary contributed $2500 and the trustee $5000 for a total of $7500. Current value is $8023 for a gain of $523 or 7%, which is 2% / year. You can see the details at the link on the right or go here.
We have new analytics on these spreadsheets. We also centrally track items like “yield” and the current description / status so we only need to updated it one time.
- Tata Motors (TTM) – Indian auto company which owns Range Rover. Sell
- ConocoPhillips (COP) – US oil and gas producer hit hard by oil crisis, but up from lows with decent dividend. Likely sell
- Exxon Mobil (XOM) – large, well run integrated oil and gas company. A political football. May want to sell
- Gilead (GILD) – Drugmaker. Keep for now, up from lows
Portfolio Three is 10 years old. The beneficiary contributed $5000 and the trustee $10,000 for a total of $15,000. Current value is $19,143 for a gain of $4143 or 27%, which is 4% / year across the life of the fund. See the details here or in the links on the right.
We have added some new, central analytics to this portfolio. There are 3 stocks that we are looking at right now for being 80% – 89% of their 52 week high…
- ConocoPhilips (COP) – COP is an oil and gas company with a strong dividend. It is at risk due to continuing low oil and gas prices. We will consider selling it now
- Siemens (SIEGY) – Siemens is a successful European conglomerate with a strong dividend. The stock is not far off 5 year highs, but down about 10-15% off recent peaks. We will likely hold onto this stock
- Exxon (XOM) – Exxon is a lightning-rod political stock. They are a well run company near their 5 year lows, hit by low prices for oil and gas. We will consider selling it, but less likely than COP (above)
Portfolio Two is our second longest lived portfolio. This portfolio has been converted to ETF’s and a CD. Beneficiary investment is $6500, trustee investment is $13,000 for a total of $19,500. Current value is $34,290 for a gain of $14,790 or 76%, which is 7.8% over the life of the fund annualized. Go here or to the link on the right for the portfolio detail.
This portfolio is different from the others in that there is a 1.55% CD for $10,000 and the rest are ETF’s. The largest ETF is VTI (US total index) with VEU (all world ex US) and HEFA (non US, hedged). We also have a small position in IBB for biotech. All seem to be doing well.
It is a symptom of ZIRP that our CD returns less than the US or European stock funds, which are around 2.5% / year.
Portfolio One was re-updated as of August 2017 to reflect three sales. You can see the details here or click on the link on the right.
The portfolio recently sold three stocks (BOX, TTM and KO) and has $6349 in cash. There is another analytics worksheet which is also linked to the underlying central spreadsheet (calculated).