Portfolio Four Updated July, 2017

Portfolio four is almost 8 years old.  The beneficiary contributed $4000 and the trustee $8000 for a total of $12,000.  The current value is $15,082 for a gain of $3,082 or a 5% rate of return, adjusted for the timing of cash flows.  See detailed PDF here or go to the link on the right side of the page.

The portfolio has some technology stocks that are doing quite well, which include Box and Oracle (you could also call Tesla a partial technology stock, as well).  The oil stocks of Devon, Shell and Statoil have generally been hit by the continued fall in oil prices.  The stock prices of Shell and Statoil have held up better than Devon because they kept their high dividends; Devon cut their dividend and has continued to fall (there are other factors at play as well).

It is important in all these portfolios not to just look at the current share price when compared with the purchase price; you need to take into account dividends, as well.  The oil stocks look bad on stock price alone but when cumulative dividends paid are tracked as well, the situation is much better.  That does not mean that we should hold stocks just for the dividends, but it is a very important factor in long run performance.  To date this portfolio has earned $1735 in dividends, which makes up more than half of the total return earned to date.

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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.