Portfolio Five Updated April 2017

Portfolio 5 is 7 1/2 years old.  The beneficiary contributed $4000 and the trustee $8000 for a total of $12,000.  The current value is $14,151 for a gain of $2151 or 18%, which is about 3.6% / year adjusted for the timing of cash flows.  You can go here to see the portfolio or go to the links on the right side of the page.

The portfolio is about 50/50 with US and foreign stocks.  Almost half the stocks are considered “high dividend” with a dividend of near 3% or greater.  Gilead (GILD) is a recent drugmaker purchase and Anheuser Busch InBev (BUD) are both pretty well run companies on or near watch.

On a side note, this is one of the first portfolio to be almost totally run by formulas in Google Sheets.  I incorporated vLookups and re-arranged the sheets a bit to have more of the information on buys and sells populate automatically.  Due to these changes, it will be much easier to update this portfolio in the future and it will be the template that I will apply to the other portfolios as I migrate them to Google Sheets.

Portfolio Eight Updated April 2017

Portfolio eight is 2 1/2 years old.  The beneficiary contributed $1000 and the trustee $2000 for a total of $3000.  The current value is $3201 for a gain of $201 or 6%, which is 4% / year over the life of the fund.  Go here for a view of the stocks or use the links on the right.

The stocks are 1/2 US and 1/2 foreign and right now we are watching Gilead (GILD), one of the health care stocks that is potentially impacted by various health care proposals.

Portfolio Seven Updated April 2017

Portfolio 7 is 2 1/2 years old, with the beneficiary contributing $1000 and the trustee $2000 for a total of $3000.  The current value is $3670, for a gain of $670 which is 22% or 14% / year over the life of the fund.  Here is a PDF of the fund activity and you can also see this in the right column on links.

The stocks are doing well, with 3 of the 4 near their 52 week highs.  The stock is half US and half foreign and the largest sector is Techology (if you consider Mastercard, the payment processor, as Technology) at half the portfolio.

Google Sheets

I have been keeping track of the portfolios in excel for over a decade now.  Although I am pretty good at updating the data, it does take a little while and is error prone.

I recent started moving the portfolios over from Microsoft Excel to Google Sheets.  Google Sheets have formulas that automatically update the stock prices via a formula call like =googlefinance(PG, “price”) and there are a host of other values you can invoke from 52 week high / low to PE to EPS.  It is very cool when you build something that can auto-update just upon opening the spreadsheet.

It has been a while since I’ve built detailed spreadsheets with functions and formulas and it is a lot of fun (for me, at least).  Google Sheets have many of the same features as Excel such as pivot tables and conditional formatting and Lookups and they mostly function the same.  I was surprised that they could name a lot of features using the same names as Excel but I guess I’ve just been away from the game for a while, perhaps that is the norm.

The concept that the spreadsheet just opens up and auto updates via formulas or API’s is very powerful.  It is interesting what data is readily available and for what exchange, while other information (notably the dividend yield) has to be obtained by looking it up manually (which is also not even correct sometimes).  This is something I will be writing about more in the future as I do additional research.

The ability to share documents is also very powerful.  I can create a spreadsheet and share it with the beneficiary via Google Docs and they can go in any time and see how everything is going.  It will be about 98% right (the cash balance won’t auto update and the last few dividends won’t be recorded) and some of the new analytics I’ve created (just a start) will also auto update.

This is going to be something that I’ll be working on a lot and it opens a whole universe of possibilities.  If you think about it, most of the data is out there somewhere in the public cloud, available in a database or by API.  The data that you have on your particular situation is a mere tiny portion of the grand total.  The fact that most of this can be available FOR FREE is also astonishing.

After I’ve beaten up Google Sheets for a while I will have to ask myself what incremental value, if anything, that Excel provides.  I’m sure there are some advanced formulas they have that Google does not but sharing Excel files has always been a nightmare, and this is easy with Google Sheets (I realize that O365 is supposed to help this, but still….).  I am using Excel 2011 for my Mac and haven’t seen the urgent need to upgrade and this won’t really help the need to upgrade, either.  Microsoft still sends me security patches, which is great, when and if that stops I’ll have to consider my options.  I guess the patches will stop in October 2017 for Mac 2011.  Maybe at that time I will also trade in my Macbook from 2011 which has given me great service but likely will be reaching the end of its useful life.

Portfolio Six Updated April, 2017

Portfolio 6 is 4 1/2 years old.  The beneficiary has contributed $2500 and the trustee $5000 for a total of $7500.  The current value of the portfolio is $7806 for a gain of $306 which is about 4% or 1% / year over the life of the fund.  You can see a PDF of the details here or on the link to the right.

The portfolio is generally doing well.  The stock mix is 55% US stocks and the largest exposure area is oil, at 27% of the total.  High dividend stocks (3% yield or greater) make up 44% of the portfolio.  We sold off Coca Cola Femsa (KOF) recently.  The oil sector has generally been hit by the decline in oil prices per barrel but they have come up significantly from their lows.

What a Stock Market Rally Looks Like


The stock market has been on a tear since the election.  Initially, the stock rally was concentrated in a few industries where investors believed the new administration would assist their financial position (airlines, banks, etc…).  Recently, the rally has taken on a life of its own and is just going UP.  There are 21 stocks contained in Portfolio One, and today 20 of the 21 stocks went up (one foreign stock ADR went down slightly).  This sort of correlation amongst all the stocks is a sign of euphoria in the market.  I don’t have any particular insight into where stocks are moving next but this is an interesting sign for the market right now.

Portfolio Eight Updated January 2017 – Tax Time

Portfolio eight is about 1 1/2 years old.  The beneficiary contributed $1000 and the trustee $2000 for a total of $3000.  The current value is $3130 for a gain of $130 or 4% which works out to a bit less than 3% / year adjusted for the timing of cash flows.  There have been no sales and the portfolio is doing fine.  You can see the detailed spreadsheet at the link on the right or download it here.