Portfolio Six Updated March 2022

Portfolio Six is 9 1/2 years old.  The trustee contributed $10,000 and the beneficiary $5000 for a total of $15,000.  The current value is $25,192 for a gain of $10,192 or 68%, which is 9.2% / year adjusted for the timing of cash flows.  You can see performance here or on the link on the right.

Some stocks are on watch.  Paypal (PYPL) had a huge price crash based on forward guidance (not a change in their business model), dropping more than 60% from its highs.  OKTA (OKTA) is down about 40% off its highs, along with more of the speculative tech stocks (those that trade at a multiple of revenues not earnings).  Some other stocks have gone off their recent highs but still trade at significant increases from where we’ve bought them (TSM and NVDA).

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 4 updated Feb 2021

Portfolio four is 11 1/2 years old. The beneficiary contributed $6000 and the trustee $12,000 for a total of $18,000. The current balance is $34,611 for a gain of $16,611, which is 92% or 9.7% / year adjusted for the timing of cash flows. See the link on the right or go to this link for details.

During 2020 there were some sales with a small net long term gain of $30 and a short term loss of $158. Dividends totaled $316.

The portfolio is currently doing well. TESLA has been a big winner. Other winners include ORCL, NVDA and PG.

Portfolio One Updated November 2020

Portfolio One is our longest lived portfolio.  It is 19 years old.  The beneficiary contributed $5000 and the trustee $19,000 for a total of $24,000.  The current value is $72,519 for a gain of $48,519 or 202%, which is 8.6% / year adjusted for the timing of cash flows.  You can see details here or at the link on the right.

Portfolio one has 20 stocks.  The major gains have come from Taiwan Semiconductor Manufacturing (TSM), PayPal (PYPL), Nvidia (NVDA), and Procter & Gamble (PG).  Other winners include Alibaba (BABA), Accenture (ACN), Infosys (INFY), Toyota (TM), and American Electric Power (AEP).  Stocks hitting recent bumps include EA (earnings), CME (ZIRP), SAP (earnings), and BABA (delay of ANT IPO).

Portfolio Four Updated November 2020

Portfolio Four is 11 years old.  The beneficiary contributed $6000 and the trustee $12,000 for a total of $18,000.  The current value is $30,032 for a gain of $12,032 or 67%, which is 7.7% / year adjusted for the timing of cash flows.  See the details here or on the link on the right.

Gains have come from Tesla (TSLA), Nvidia (NVDA), Procter & Gamble (PG), Oracle (ORCL), and Wal-Mart (WMT).  There are 19 stocks in the portfolio.  The others are generally doing OK although Box (BOX), Elbit (ESLT), and CME (CME) are down a bit recently.

Portfolio Five Updated November 2020

Portfolio Five is 11 years old.  The beneficiary contributed $6000 and the trustee $12,000 for a total of $18,000.  The current value is $31,765 for a gain of $13,865 or 77% which is 8.5% / year adjusted for the timing of cash flows.  Go here or to the link on the right for more detail.

Gains in the portfolio have been driven by Appian (APPN) which has had a huge run up lately, Cloudflare (NET), Nvidia (NVDA), OKTA (OKTA), Paypal (PYPL), Alibaba (BABA), Union Pacific (UNP) and Procter and Gamble (PG). There are 17 stocks in total in the portfolio, the others are doing OK or are too new to rate. SAP (SAP) was hit recently with their earnings report but is still up overall, and Alibaba (BABA) is still up significantly but fell with the deferral of the ANT IPO.

Portfolio Six Updated November 2020

Portfolio Six is eight years old.  The beneficiary contributed $4500 and the trustee $9000 for a total of $13,500.  The current value is $20,150 for a gain of $6,650 or 49%, which is 8% / year when adjusted for the timing of cash flows.  Go to the link on the right or here to see the details.

Gains have come from OKTA (OKTA), Taiwan Semiconductor Manufacturing (TSM), Nvidia (NVDA), Union Pacific (UNP) and Procter and Gamble (PG).  There are a total of 13 stocks in the portfolio; the others are doing OK or it is too early to tell.

Portfolio Eight Updated November 2020

Portfolio Eight is 5 years old.  The beneficiary contributed $3000 and the trustee $6000 for a total of $9000.  The current value is $14,361 for a gain of $5,361 or 60%, which is 13.5% / year when adjusted for the timing of cash flows.  Go here or the link on the right to see details.

Performance has been driven by gains in Mastercard (MA), Nvidia (NVDA), Paypal (PYPL) and OKTA (OKTA).  There are a total of 10 stocks in the portfolio.  Generally the other stocks are performing adequately or it is too early to tell.

Portfolio Performance As of May 2020 and Replacement Stock Selections

The stock market has recovered almost all of the losses incurred with the pandemic.  From peak to trough (Feb 2020 to March 2020) we lost about 23% of our value.  Today, we are down about 7% from peak.  Our percentages do not completely align with the market because some portfolios hold up to 20% cash and some bond investments (BND ETF from Vanguard) and Gold (IAU ETF ticker).  This performance generally aligns with riding the market down and then back up again.Portfolio Performance May 10 2020

Whether by luck or design, our portfolios did not hold most of the industries that bore the brunt of the Covid impact, like airlines, hotels, and commodities. We did have some stocks that we recently sold in some of these hard hit areas.

I reviewed the rest of the portfolio and we are continually “pruning down” the list of stocks that we hold. There are about 30 stocks held across the portfolio right now, down from about 40 or so in the relatively recent past. This does not include ETF’s.

The stocks that have driven the most value in the portfolio that are not bought across all the portfolio (because every beneficiary selects individually) are:

  • Electronic Arts (EA) – videogames
  • Mastercard (MA) – electronic payments & credit cards
  • CME Group (CME) – financial services
  • Alibaba (BABA) – Chinese e-commerce giant
  • Nvida (NVDA) – semiconductors
  • OKTA (OKTA) – SAAS provider of security services
  • Paypal (PYPL) – electronic payments
  • Procter & Gamble (PG) – iconic brand company
  • Taiwan Semi-conductor (TSM) – semiconductors
  • Union Pacific (UNP) – Railways
  • Gold ETF (IAU) – tracks price of gold

If the portfolios that are selecting new stocks don’t currently own one of the stocks listed above, they may want to consider buying them.

New stocks for May 2020:

  • Carrier (CARR) – manufacture and sale of Heating and cooling systems (HVAC).  Recently spun out from a conglomerate
  • Facebook (FB) – owner of Facebook, Instagram, and WhatsApp seems to have recovered from past controversies
  • Cloudflare (NET) – security and edge networking has been growing with the crisis

Stocks To Pick:

Portfolio Four – select three stocks

Portfolio Five – select two stocks

Portfolio Six – select one stock

Portfolio Update August, 2019

As of August 2019, our combined portfolios are back to where they were in August of last year. This is mostly in line with VTI (Vanguard US market ETF) which was up about 3% and VEU (non US market ETF which was up about 1%).

Below are stocks to consider selling prior to the new purchases:

Portfolio One:

  • Nnvidia (NVDA) – the once high flying chipmaker stock is hit with slowing growth
  • Equinor (EQNR) – former Statoil is a Norwegian oil company hit by falling price of their currency and anti-oil sentiment in their own country

Portfolio Three:

  • Baidu (BIDU) – Chinese search engine less relevant in mobile era and new investments not yet paying off
  • Nnvidia (NVDA) – the once high flying chipmaker stock is hit with slowing growth
  • ConocoPhillips (COP) – US oil company hit by lower energy prices and relatively smaller footprint

Portfolio Four:

  • Equinor (EQNR) – former Statoil is a Norwegian oil company hit by falling price of their currency and anti-oil sentiment in their own country
  • Nnvidia (NVDA) – the once high flying chipmaker stock is hit with slowing growth
  • Box (BOX) – US SAAS provider not yet acquired by larger company and hit by recent earnings miss
  • Oracle (ORCL) – very well run and doing huge stock by back but trends running against this on premise software stock
  • Westpac (WBK) – Australian bank hit with tough regulatory, business, and real estate impacts

Portfolio Five:

  • Baidu (BIDU) – Chinese search engine less relevant in mobile era and new investments not yet paying off
  • Juniper (JNPR) – US networking company not yet taken over.  Reasonably well run with dividend but in a difficult space
  • ConocoPhillips (COP) – US oil company hit by lower energy prices and relatively smaller footprint
  • Westpac (WBK) – Australian bank hit with tough regulatory, business, and real estate impacts

Portfolio Six:

  • Baidu (BIDU) – Chinese search engine less relevant in mobile era and new investments not yet paying off
  • Nnvidia (NVDA) – the once high flying chipmaker stock is hit with slowing growth
  • ConocoPhillips (COP) – US oil company hit by lower energy prices and relatively smaller footprint

Portfolio Eight:

  • Nnvidia (NVDA) – the once high flying chipmaker stock is hit with slowing growth

Portfolio Eight Updated July 2019

Portfolio Eight is almost 4 years old.  The beneficiary contributed $2000 and the trustee $4000 for a total of $6000.  Current value is $7278 for a gain of $1278 or 21%, which is about 7.8% / year across the life of the fund.  See here for details or go to the link on the right.  We will look into selling General Motors (GM), Baozun (BZUN) and Nvidia (NVDA) this summer before buying additional stocks.

Portfolio Six Updated May, 2019

Portfolio Six is almost 7 years old.  The beneficiary contributed $3500 and the trustee $7000 for a total of $10,500.  The current value is $11,358 for a gain of $858 or 8%, which is about 2% / year over the life of the fund.  For more details go here or to the link on the right.  This summer we will consider selling Electronic Arts (EA), Baozun (BZUN), Nvidia (NVDA) and Baidu (BIDU) before we make more purchases.

Portfolio Four Updated May 2019

Portfolio Four is almost 10 years old.  The beneficiary contributed $5000 and the trustee $10,000 for a total of $15,000.  The current value is $18,567 for a gain of $3,567 or 24%, which is about 3.8% / year over the life of the account.  Go here or to the link on the right for details.  We may look at selling Electronic Arts (EA), Nvidia (NVDA) and Gilead (GILD) this summer.

Portfolio Three Updated May 2019

Portfolio Three is almost 12 years old.  The beneficiary contributed $6000 and the trusted $12,000 for a total of $18,000.  The current value is $22,338 for a gain of $4,338 or 24%, which is 3.3% / year when adjusted for the timing of cash flows.  See the details here or go to the links on the left.

We will look at selling Smart Global Holdings (SGH), Nvidia (NVDA) and Baidu (BIDU) prior to making our summer 2019 purchases.