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  3. Portfolio Returns

Portfolio Returns

Scheduled Pinned Locked Moved Investments and Portfolios
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  • A Offline
    A Offline
    Adam Kay
    Global Moderator
    wrote on last edited by
    #1

    To August ytd

    Screen Shot 2024-09-10 at 09.23.27.png

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    • A Offline
      A Offline
      Adam Kay
      Global Moderator
      wrote on last edited by
      #2

      click on image to expand

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      • S Offline
        S Offline
        Steve H
        wrote on last edited by
        #3

        Hi Adam, am right in thinking thatโ€™s to the end of August?

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        • A Offline
          A Offline
          Adam Kay
          Global Moderator
          wrote on last edited by
          #4

          Hi Steve, Yes, August mend and YTD
          Regards

          Adam

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          • S Offline
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            Steve H
            wrote on last edited by
            #5

            Thanks, that makes sense ๐Ÿ‘

            Any thoughts on the recent weeks and if the drops are just a market blip?

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            • S Steve H

              Thanks, that makes sense ๐Ÿ‘

              Any thoughts on the recent weeks and if the drops are just a market blip?

              2 Offline
              2 Offline
              2BToo
              wrote on last edited by
              #6

              @Steve-H said in Portfolio Returns:

              Thanks, that makes sense ๐Ÿ‘

              Any thoughts on the recent weeks and if the drops are just a market blip?

              ... and this is surely the question on everyone's lips (/keyboard) ...

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              • M Offline
                M Offline
                mikeiow
                wrote on last edited by
                #7

                Good summary, thanks Adam
                Are those numbers after fees?
                eg, if one had ยฃ1,000 in IML Growth on 1st Jan, it would be valued at ยฃ1,253.60 at the end of August?
                Cheers

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                • A Offline
                  A Offline
                  Adam Kay
                  Global Moderator
                  wrote on last edited by
                  #8

                  Hi Mike,

                  Yes, after fees. The returns are based on the model portfolio's and whilst you always get some model drift(intra month) cf daily valuations, up or down it will be very close to one's actual result.

                  Regards

                  Adam

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                  • M Offline
                    M Offline
                    mikeiow
                    wrote on last edited by
                    #9

                    Thanks Adam,
                    I perhaps should know...but don't: looking at possible tweaks to our rag-tag collection: what is the basic difference between IML for Withdrawal v IML for Income? They look like the only IML options to move part of fund to.

                    & whilst you're on: are there any expectations for PHE, which has clearly sat in the doldrums somewhat.
                    Thanks

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                    • A Offline
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                      Adam Kay
                      Global Moderator
                      wrote on last edited by
                      #10

                      Hi Mike,

                      Lifestyle has two strategies, Income(Portfolio's 1 through 3) and withdrawal (t through 5). Portfolio 1 is 100% equity, 5 is 20% with the remainder in fixed income of varying types. An investor glides through the portfolio's as they approach their target retirement date. As noted Income strategy holders will not pass beyond portfolio 3 which is a 60/40 structure.

                      All PH portfolio's were recently rebalanced with PHE having some quite big changes around various weight compositions. A couple of holdings reached all time highs e.g., colgate so we realised a portion of that gain. The investment committee has a short list of new candidates and we will implement other changes when the time is right. The recent quarter has been favourable to PHE. Earlier in the year i recall its performance YTD was 6%. It's now > 9%

                      Regards

                      Adam

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                      • M Offline
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                        mikeiow
                        wrote on last edited by
                        #11

                        Thanks Adam,
                        I should probably call (maybe Nik๐Ÿคทโ€โ™‚๏ธ), but happy to document here for others: I am wondering broadly how one could use IML when one is already past a retirement date?

                        Speaking as someone happy to take a relatively aggressive path (which I assume would be Income) for an extended period ๐Ÿ‘

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                        • A Offline
                          A Offline
                          Adam Kay
                          Global Moderator
                          wrote on last edited by
                          #12

                          Hi Mike,

                          As the Income strategy stops at portfolio 3-the equivalent of an Income phase, it wouldn't matter if you are beyond retirement(Statutory) date. If you have further questions let myself/Nik know.

                          Regards

                          Adam

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                          • M mikeiow

                            Thanks Adam,
                            I should probably call (maybe Nik๐Ÿคทโ€โ™‚๏ธ), but happy to document here for others: I am wondering broadly how one could use IML when one is already past a retirement date?

                            Speaking as someone happy to take a relatively aggressive path (which I assume would be Income) for an extended period ๐Ÿ‘

                            N Offline
                            N Offline
                            Nik Burrows
                            Global Moderator
                            wrote on last edited by
                            #13

                            @mikeiow

                            Hi Mike

                            It may be worth settling a call up and we can chat it through. As Adam has said the glide path for the portfolios is driven by time to vesting date, be that income or full withdrawal so you can manipulate the equity exposure by varying the investment time line.
                            In simple terms 10 years to vesting will take a more aggressive approach than 5 years etc.

                            Drop me a message and we can set a call up.

                            Cheers

                            Nik

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                            • M Offline
                              M Offline
                              mikeiow
                              wrote on last edited by
                              #14

                              Thx Nik, Iโ€™ll get in touch later this week ๐Ÿ‘

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                              • C Offline
                                C Offline
                                Car Bon
                                wrote on last edited by
                                #15

                                I'm also a little confused about this. Maybe similar to Mike, retired early so it's not just about vesting date, but also the length of time for taking an income. I view it as needing some short, some medium and some longer term. I have an attitude that I can stomach more volatility with the longer term money. That would be very different from someone retiring late with a shorter life expectancy or someone expecting to buy an annuity on retirement.

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                                • A Offline
                                  A Offline
                                  Adam Kay
                                  Global Moderator
                                  wrote on last edited by
                                  #16

                                  Hi Car Bon, it is possible to self select the portfolio to meet your needs. What I have described is the default position for pensions. ISA allows one to select the target date. If anyone wanted to do so with a pension wrapper please get in touch.

                                  Regards

                                  Adam

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                                  • D Offline
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                                    Ducati996R
                                    wrote on last edited by
                                    #17

                                    Guys โ€ฆjust a quick note to appreciate all the work that goes into these investmentsโ€ฆmy pension just went over a nice milestone this morning โ€ฆ
                                    Rachel Reeves will be thrilled if I donโ€™t get to spend it all myself ๐Ÿ˜‰

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                                      Adam Kay
                                      Global Moderator
                                      wrote on last edited by
                                      #18

                                      Hi C,
                                      I see what you mean ๐Ÿ™‚

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                                      • R Offline
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                                        Ronski
                                        wrote on last edited by Ronski
                                        #19

                                        PHT passed a milestone for me, my effective price is up 105% since April 2022, so it's just over double in just under 3 years, very nice, thank you.

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                                          Adam Kay
                                          Global Moderator
                                          wrote on last edited by
                                          #20

                                          Great to hear Ron. That portfolio has been very productive. Iโ€™m very proud of it and very pleased for anyone who put their hard earned money into it.

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                                          The value of your investments can go down as well as up, and you may get back less than you invested.

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