If you invest in stocks and shares ...

[fiddlstix]

... have your investments over the past year outperformed what you could have got in a high interest bank account? If so, what funds were you invested in? And was it just good luck or was there a rationale or professional advice behind your choice of investment?

I know that past performance is no indicator of future performance, etc etc. Just curious to know who, if anyone, is ahead of the curve. 🙂

14.99% return, so yes. Global all cap is where mine are. It’s a good performing fund. Work in finance.

Yes, we've had a very good year. Ours are predominantly in American tech.

So are you going to tell us which fund? 🙂

And what was your rationale for choosing that particular fund (or was it just good luck?).

In funds or in individual stocks and shares? Any reason not to share more details of your portfolio and strategy? Or was it just good luck? I know US tech is often a strong performer, but it has good and bad years.

noskilled did say the fund... Global all cap.

If using Vanguard Investor platform, they have their FTSE Global All Cap fund.

Any fund that tracks the MSCI World index would also be a similar return, such as Fidelity World, HSBC FTSE All World.
Return will differ a little due to tracking error and fees.

I've had very good returns over the last 3 years on BAE Systems. It's most likely due to war in Ukraine.

Ah, I didn't catch on that all Global All Caps are considered equal. 🙂 I do actually have some funds in the Vanguard Global All Cap but mine haven't grown by more than about 2% over the last year or so. Looking at the graph, I guess I wasn't so lucky/wise with my timing when I bought into it. You'd have to have been pretty lucky/wise to get double-digit growth.

Stocks and shares rather than funds. We hold Apple, Microsoft, Meta, envidia, alphabet and Mercado Libre. Just been a good year for us after a bad one last year

+6.54% FTSE Global All Cap has grown in past year, excluding reinvestments, additions.
If someone was adding money on a regular monthly basis, then they may get lucky and buy some units at a low point, compared to value now, so the growth would be higher.

markets.ft.com/data/funds/tearsheet/summary?s=GB00BD3RZ582:GBP

HSBC All-World Index accumulation has grown by +7.2% in past year.

As you say, tech has been a good investment of late. I have money in Janus Henderson Global Technology Leaders which has increased 32.5% in the last 12 months. However, this is after a drop of 26% the previous 12 months, so it's not for the faint-hearted.

18/19: 20.02%
19/20: 38.05%
20/21: 23.81%
21/22: -26.37%
22/23: 32.51%

On the basis that in order to make money you always need to buy low and sell high, the question is what do you think is low in price at the moment?

Wow! I need to up my game.
i took over and am self managing currently up 3.84% from Feb 23.

This is interesting, I've just gone and checked and all of mine have outperformed a high interest account, that's including the dividend if one is paid.
I've got a world tracker etf, ftse 100 etf, S&P 500 etf, and 2 investment trusts that I liked the look of. I put them in my virtual portfolio for a couple of years before investing when the price was low and they were trading at a higher discount to their net asset value.
I'm no expert but I do read around the subject.

I've got a sipp and isa.
My sipp has been going great guns but my isa stalling. I don't know why.

I've got lots of us s and p type index funds on sipp.

Op mine are vanguard, life stragety and s and p.. I took a punt on rolls Royce shares which I have anyway as part of vanguard fste all.
They are up 160%. Unfortunately in my sipp.

Thanks @ElfontheShelfIsWATCHINGYOUTOO . I have a Vanguard Life Strategy account. It's been very "choppy" this year, which I suppose demonstrates why drip-feeding is beneficial. I've tended to put in lump sums, from inheritance or dh's annual bonus.

@fiddlstix mine is up 48%and didn't fall lower than about 15% in hard times.

Just curious but what was the reasoning for going for LS 100%? I can understand the other LS 80/60/40 products if you want some bond exposure in your portfolio.

But LS 100 is skewed % towards the UK (believe 25% where as the UK market cap is actually only about 4% of the global economy)

When I bought into it I knew it was skewed towards the UK because I had read this article: ,https://occaminvesting.co.uk/best-vanguard-passive-index-tracker-fund-uk but I didn't see that as a bad thing, being British as I am. The decision seemed fairly marginal.

Since then, I've read more (via the FT) about how UK shares haven't been performing well. So the next time I invested I chose the Vanguard FTSE Global All Cap Index Fund.

I haven't particularly noticed the All Cap performing better - both funds seem to track the same trajectory. Maybe I should look more closely, but it's hard to compare funds when I bought in at different times - I tend to just look at the overall performance of the ISA.

At the same time I bought into the LifeStrategy 100, my DH put £10k into LifeStrategy 60. That has made a loss, presumably due to high interest rates affecting bonds. He recently pulled out and is deciding which Vanguard fund to switch the cash to (as its part of his Vanguard ISA). Which fund would you choose, and would you wait for another dip in the market before reinvesting?

Mine haven’t done too badly this year. Definitely better than last year.

I’m with AJ Bell and have most my money in their adventurous and moderately adventurous funds. They’ve done well this year. My liontrust global equity fund has also done well. I’ve also got an S&P 500 tracker. My funds account for about 85% of my stocks and shares investments.

I also have some shares in individual companies like Apple, Tesla, Crowdstrike, Nvidia and AMD. Tesla have been all over the place, but long term, I think they’ll be fine as their profit margins per car are so high Crowdstrike have done very well for me (+62% since July).

My worst performing shares were with EV Nio. Bought some, they went up by 40%. Bought some more, and they’re now 30% down. Annoying! However they’ve got a very well designed product and China won’t let them fail (I hope!), so I’ll hang on to them.

Ok fair enough. It isn't really about which will perform better, just that if you have 25% weight to UK in the LS 100 what markets are under represented, if it means the US then you could be missing out on some growth, but then again can't base future returns on past performance.

I personally am 100% in the FTSE Global All Cap for my S&S ISA and my SIPP. I have some other pension pots on different platforms and funds but I'm starting to transfer them into my SIPP.

I tend to just invest the same amount every month regardless of what price the fund is. If I saw a significant dip in future I might consider making some ad hoc investment using my cash, but I don't know when a dip has hit the bottom or not. so to keep it simple I just invest monthly

Thanks, always useful to hear other people's strategies. I put my regular monthly savings into my work pension, so I can get the tax benefit. My ISA investments have come from lump sums - mainly my DH's annual bonus, which is paid at the end of March. I do wonder if that's generally a bad time of year to invest, as so many people will be topping up ISAs before the end of the UK tax year, but I haven't been doing it long enough to observe a trend. I guess UK investors may be a drop in the ocean in a global market.

I invest in vanguard VWRL. Apparently slightly better than S&P500 for the uk investor according to JL Collins who wrote The Simple Path to Wealth.

I mostly invest in Asia and emerging markets.

Jupiter India up 31%
Man GLG Japan up 16%
Aberdeen Latin America equity up 27%
Rathbone Global Opps up 18%

Im going to invest more in India next year.

This thread has just prompted me to check what Vanguard funds are available. There's actually an accumulation version of VWRL now called VWRP. That would suit me better, saves me time manually reinvesting the dividends. Don't know if that wasn't there a few years ago when I originally set up my Vanguard account.