Author Topic: Personal Portfolio Returns  (Read 49180 times)

brycemason

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Re: Personal Portfolio Returns
« Reply #60 on: September 24, 2015, 01:55:56 AM »
After three and a half years of maximizing returns, I've decided to reduce the risk of the portfolio and invest in A/B grade paper. This is mostly due to my account being taxable. Each year I wind up roughly with enough capital losses to max out my $3k deduction. I do not want to be in a situation where the economy stutters, defaults double, I have to pay taxes on all the interest, I'm stuck with a tax asset I might not use for some time, and the after-tax growth on the portfolio is 0 or negative. The A/B portfolio should have roughly 1% defaults per year in steady state, allowing me to add capital to the account. It will be a long haul to turn over the whole portfolio!

Here's the final resting place of the returns: 9.7%. The blue dot's in a good place. Pretty satisfied with that for a buy-and-hold strategy.

Fred

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Re: Personal Portfolio Returns
« Reply #61 on: September 24, 2015, 02:17:39 AM »
It will be a long haul to turn over the whole portfolio!

Sad to see you leave the high-risk high-reward field.

If you want a quicker turnover, sell your notes on Folio.  If they are attractive enough, I will buy them quickly (within minutes).

lascott

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Re: Personal Portfolio Returns
« Reply #62 on: September 24, 2015, 10:14:02 AM »
After three and a half years of maximizing returns, I've decided to reduce the risk of the portfolio and invest in A/B grade paper. This is mostly due to my account being taxable. Each year I wind up roughly with enough capital losses to max out my $3k deduction. I do not want to be in a situation where the economy stutters, defaults double, I have to pay taxes on all the interest, I'm stuck with a tax asset I might not use for some time, and the after-tax growth on the portfolio is 0 or negative. The A/B portfolio should have roughly 1% defaults per year in steady state, allowing me to add capital to the account. It will be a long haul to turn over the whole portfolio! Here's the final resting place of the returns: 9.7%. The blue dot's in a good place. Pretty satisfied with that for a buy-and-hold strategy.
Bryce, you are so competitive. Now you want to beat me in the conservative realm :)  Hope you contribute regularly to the thread below so we can see the transition.

Here's the A/B notes that I bought using P2P-Picks via BlueVestment. Yes, I realize my average age is still pretty young for them but I like how it is shaping up.

Account 1:

Account 2:


Thread: What does your "Understanding Your Returns" page look like? Here's mine
http://www.lendacademy.com/forum/index.php?topic=3365.msg30403#msg30403

Image: http://i.imgur.com/pyOchkw.png
« Last Edit: September 24, 2015, 10:26:57 AM by lascott »
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

lascott

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Re: Personal Portfolio Returns
« Reply #63 on: December 03, 2015, 08:53:17 PM »
After three and a half years of maximizing returns, I've decided to reduce the risk of the portfolio and invest in A/B grade paper. This is mostly due to my account being taxable. Each year I wind up roughly with enough capital losses to max out my $3k deduction. I do not want to be in a situation where the economy stutters, defaults double, I have to pay taxes on all the interest, I'm stuck with a tax asset I might not use for some time, and the after-tax growth on the portfolio is 0 or negative. The A/B portfolio should have roughly 1% defaults per year in steady state, allowing me to add capital to the account. It will be a long haul to turn over the whole portfolio!

Here's the final resting place of the returns: 9.7%. The blue dot's in a good place. Pretty satisfied with that for a buy-and-hold strategy.
Want to consider updating numbers for?
Thread: What does your "Understanding Your Returns" page look like? Here's mine
http://www.lendacademy.com/forum/index.php?topic=3365.msg31411#msg31411
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

brycemason

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Re: Personal Portfolio Returns
« Reply #64 on: December 08, 2015, 08:48:11 PM »
Not really, as I've changed strategies.

lascott

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Re: Personal Portfolio Returns
« Reply #65 on: December 09, 2015, 12:43:56 AM »
Not really, as I've changed strategies.
OK.  I realized you changed strategies and thought it would be interesting to see your account during the transition. We could market it "transitioning" your very old portfolio. I suspect others would be as well. I'm pretty careful/conservative with my taxable account as well. I'm at $3,031.55 in losses from Jan-Nov.
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y