Figures for 2021/2022. To paraphrase Ibsen, a graph paints a thousand words
This reflects the seven sub-portfolios
- 1. Newroad ISA
2. Mrs Newroad ISA
3. Master Newroad JISA
4. Miss Newroad JISA
5. Newroad SIPP
6. Mrs Newroad SIPP
7. Newroad and Mrs Newroad Pseudo-HYP experiment
which are composed of
- (1) & (2) combine into the thin light blue line
(3) & (4) combined into the thin pinkish line
(5) & (6) combine into the thin green line
(1), (2), (3), (4), (5) & (6) combine into the thick black line
(7) started during the year (and is the yellow line, labelled IBKR due to the broker)
All started from a £100 unit price
Unitisation occurs taken twice monthly - end of month and approximately mid-month (3rd Wednesday - ii free regular reinvesting day)
Though the the lines, with the exception of (7), are only approximate, they are very close in reality due to the similar portfolio construction. Each sub-portfolio from (1) - (6) is within a percent or two of
- 76% equities, within which 1/2 is a passive global ETF, 1/2 is an active global investment trust
24% bonds, within which 2/3 is a passive global intermediate bond ETF, 1/3 is an active global high yield bond investment trust
which expands to
- 37% passive global ETF (VWRL or VWRP - the latter in the SIPPS to avoid currency conversion charges)
37% active global investment trust (MWY, ATST or FCIT)
16% passive global intermediate bond ETF (VAGP)
8% active global high yield bond investment trust (HDIV or BIPS)
the one exception being the JISA's, which have an MNP addition of a little over 10% as well from one set of grandparents. The HYP currently contains RIO, BATS, LGEN & TW. (with Vodafone being the next cab off the rank to come).
Performance:
- Annual: -7.76%
Peak to Trough: -12.9%
Finally, the Log Combined line gives an approximate trend. I'll let the above speak for itself.
Regards, Newroad