How is Your Portfolio Performing ?

[NitroZ7]

My NRG is up close to 20% today. I bought this back in December of 2022 and it is up 331% since then. Never imagined that when I bought it since it is a a utility and energy producer and owns a home security company.

[davidsa]

My NRG is up close to 20% today. I bought this back in December of 2022 and it is up 331% since then. Never imagined that when I bought it since it is a a utility and energy producer and owns a home security company.

wow, if you are a stock picker and you are willing to put enough money into a given position, I can see where these returns would make a huge difference in the portfolio.

what % was this in your overall portfolio?

[NitroZ7]

wow, if you are a stock picker and you are willing to put enough money into a given position, I can see where these returns would make a huge difference in the portfolio.

what % was this in your overall portfolio?

Right now it is likely around 2%. My biggest individual stock positions are between 1.5-4%.

[polywad6963]

up 110k YOY so far...

[davidsa]

Right now it is likely around 2%. My biggest individual stock positions are between 1.5-4%.

I think this is a great post for those that might be reading. Big gains in modest positions are possible but some investments don't pan out.

[NitroZ7]

I think this is a great post for those that might be reading. Big gains in modest positions are possible but some investments don't pan out.

I just treat my individual stock portfolio like it is my own ETF. I have about 35 stocks so no one position can have an outsized impact up or down.Some of those initial .5% positions have become 1-1.5% and I don't need to rebalance starting from that level (at least not for awhile).

[davidsa]

I just treat my individual stock portfolio like it is my own ETF. I have about 35 stocks so no one position can have an outsized impact up or down.Some of those initial .5% positions have become 1-1.5% and I don't need to rebalance starting from that level (at least not for awhile).

Makes sense, makes even more sense if one if investing outside of 401k / ira's and does not want excessive distributions.

[sdbrison]

I just treat my individual stock portfolio like it is my own ETF. I have about 35 stocks so no one position can have an outsized impact up or down.Some of those initial .5% positions have become 1-1.5% and I don't need to rebalance starting from that level (at least not for awhile).

Thanks, that's a good idea on how to look at an individual stock portfolio that I will use.

[TownesZ21]

I just treat my individual stock portfolio like it is my own ETF. I have about 35 stocks so no one position can have an outsized impact up or down.Some of those initial .5% positions have become 1-1.5% and I don't need to rebalance starting from that level (at least not for awhile).

1-3% is pretty common for individual stocks. I will go up to 8% if I really like something but most are in that 2-4% range. I don't have enough time to stay on top of 35 stocks, I currently have 7 stocks (was 8, closed one out today) but have 8 ETFs that can have much higher weighting depending what they are. Foundations like VOO, QQQM, SCHD etc. are pretty basic and you can diversify from there.

[davidsa]

1-3% is pretty common for individual stocks. I will go up to 8% if I really like something but most are in that 2-4% range. I don't have enough time to stay on top of 35 stocks, I currently have 7 stocks (was 8, closed one out today) but have 8 ETFs that can have much higher weighting depending what they are. Foundations like VOO, QQQM, SCHD etc. are pretty basic and you can diversify from there.

I have only one stock in a taxable account and it is 6% of my portfolio. I'd sell it and diversify if not for the capital gains tax. Within my tax deferred accounts, I have so many ETF, index and managed fund options that I have not taken the time to get into management of individual equities. Then again, in an IRA the distributions don't impact me.

[TownesZ21]

I have only one stock in a taxable account and it is 6% of my portfolio. I'd sell it and diversify if not for the capital gains tax. Within my tax deferred accounts, I have so many ETF, index and managed fund options that I have not taken the time to get into management of individual equities. Then again, in an IRA the distributions don't impact me.

Makes sense, so many options these days.

[davidsa]

Makes sense, so many options these days.

I did a scan of my results ytd. if all my mutual fund holdings had equal weight, my avg ytd return is 3.78% over roughly 10 different mutual funds/EFT/Index funds that are highly diversified. The single stock I own is down 5.3% with little diversification. Does not motivate me at my age to want to try and beat the 3.78% avg by trying to identify stocks that will out perform.

[TownesZ21]

I did a scan of my results ytd. if all my mutual fund holdings had equal weight, my avg ytd return is 3.78% over roughly 10 different mutual funds/EFT/Index funds that are highly diversified. The single stock I own is down 5.3% with little diversification. Does not motivate me at my age to want to try and beat the 3.78% avg by trying to identify stocks that will out perform.

Completely understand and frankly agree.

I would never meddle in anyone's portfolio, simply not qualified. My only question would be about fees as they can matter, many have switched from MF's to ETFs due to lower fees, sometimes much lower. Have you looked? (guessing you have)

[davidsa]

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Completely understand and frankly agree.

I would never meddle in anyone's portfolio, simply not qualified. My only question would be about fees as they can matter, many have switched from MF's to ETFs due to lower fees, sometimes much lower. Have you looked? (guessing you have)

Good point. Yes I have and I use both.

Fidelity index MF's have extremely low fees; in fact they are lower then the etf's I own. I do hold a few mutual funds with fee's in the .4 to .7% range but I do so knowingly because i feel the management of the given fund is worth the fee. If you are growing 17% annually on a MF over a 10+ year period then you can afford to pay the fee. I call it paying for performance.

[TownesZ21]

Good point. Yes I have and I use both.

Fidelity index MF's have extremely low fees; in fact they are lower then the etf's I own. I do hold a few mutual funds with fee's in the .4 to .7% range but I do so knowingly because i feel the management of the given fund is worth the fee. If you are growing 17% annually on a MF over a 10+ year period then you can afford to pay the fee. I call it paying for performance.

Cool and completely agree. Some MF's are much higher than those, I would be happy to pay that for those kinds of performance as well. Figured you were a step ahead!

[KYRANGERMAN]

We went down around $100K earlier this year but we've made about $53K back. Even with that we're up over $400K from inception. If we never made another penny, based on what we pull from it on a monthly basis, we have enough to last until we're over 100 years old. That doesn't include my pension or any SS. We've always lived within our means so now we can live comfortably.