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 One is our longest lived Portfolio. We opened it right after 9/11… meaning that it is almost 16 years old. This portfolio has moved from the trustee to the beneficiary’s account, but we also still set it up so that the trustee has agency (can see the portfolio, buy and sell).
The beneficiary contributed $7500 and the trustee $15,500 for a total of $23,000. The current value of the portfolio is $44,883 for a gain of $21,883 or 95%, or 7% / year adjusted for the timing of cash flows. Go here or to the link on the right for details.
The portfolio is doing well. We added some criteria and filtering for stocks “at risk” (BOX, Budweiser Inbev and Exxon) or “on watch” (Tata Motors / TTM). BOX has doubled recently and is down a bit; BUD just finished a major merger but Exxon is near 5 year lows and a bit controversial due to politics. Tata (TTM) is one we will look at closely.
Portfolio 3 is 9 1/2 years old. The trustee contributed $5000 and the trustee $10,000 for a total of $15,000. The current value is $17,483 for a gain of $2,483 or 16%, which is about 2.7% / year when adjusted for the timing of cash flows. You can see the detail at the links on the right or go here.
The portfolio is generally doing well. We will consider selling ConocoPhillips (COP) which has been selling off assets to pare down debt and reduced their dividend. Their stock has stabilized but this may not be the best oil play. We are also sticking with ExxonMobil (XOM) which we bought near a high because that company has proven to be well run over the last few decades.
In the new “analytics” tab you can see that this portfolio has a heavy non-US component, with 62% of stocks from non-US countries. We have 2 of the 3 major Chinese internet companies and also 2 large Canadian banks, among others.
Portfolio Six is four years old. The beneficiary contributed $2000 and the trustee $4000 for a total of $6000. The current value is $5572 for a loss of ($427) or (7.1%), or negative (2.9%) / year. See details here or use the links on the right.
Like many of the portfolios, the commodity price collapse has impacted these stocks. Exxon Mobil (XOM) and Royal Dutch Shell (RDS.B) are both well run companies working to cope with lower oil and natural gas prices and to protect their dividends and long term interests. Seaspan (SSW) is a Chinese shipper with a very high dividend of 9% that it is currently maintaining. Finally, Coca Cola Femsa (KOF) is the Mexican Coke bottler which has been negatively impacted by the fall of the Mexican Peso vs. the US dollar.
Portfolio three is eight years old, with the beneficiary contributing $4500 and the trustee contributing $9000, for a total of $13,500. The current value is $13,243 for a loss of ($256) or (1.9%), which works out to an annual return that is slightly negative (0.4%) / year. See the details here or use the links on the right.
The portfolio has had some stocks move against us lately. Wal-Mart (WMT), an historically strong performer, recently came out with 3 year stock guidance that showed low growth and the stock went down. Wynn (WYNN), a gambling company with strong interests in China, was also adversely hit by the Chinese governments’ crack down on money laundering and VIP gamblers. Exxon-Mobil (XOM), the energy giant, has gone down tied with the commodity bust. Yahoo (YHOO) is up overall but down from recent highs and is mainly a value play on its Alibaba (BABA) stake.
We will look at selling some of these stocks as part of our 2015 new stock purchase planning.
Portfolio One is our longest lived portfolio, at 14 years. It started right after 9/11 and has tracked the ups and downs of the stock market since then.
The beneficiary has contributed $7000 and the trustee $15,500 for a total of $22,500. The current value of the portfolio is $34,648, a gain of $12,148 or 54% since inception, at a rate of about 5.5% / year. To date dividends have contributed over $5000 towards the value of this portfolio. You can download the portfolio here or go to the links on the right.
For the year to date, the portfolio stocks are down about 7%, compared with the S&P 500 being up 2% and the non-US index down about 6% (in US Dollar terms). The portfolio is roughly half US and half non US and the increased downturn is due to our concentration in resource stocks and some currencies that depreciated significantly vs. the US Dollar.
There are 19 stocks in the portfolio, with an average value of about $1700. The largest position is Exxon (XOM) at about $3000 and there are 2 stocks under $1000, Statoil (STO) and Trans-Alta Corporation (TAC). It isn’t a co-incidence that STO and TAC have been hit by the recent commodity price downturn (Exxon too, although not as much). The goal would be to have less than 20 or so stocks in the portfolio.
There has been a lot of volatility in the market and we’ve been holding off on selling to see how the dust settles. We may make some sales prior to reinvesting the new stock selections for 2015. Items that we are considering for sale are TransAlta (TAC), Yahoo (YHOO), Garmin (GRMN), and Wal-Mart (WMT), although we don’t want to make hasty actions based on short term moves (this mainly applies to Wal-Mart).