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Superannuation Investment Returns |
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saintly96
Champion Joined: 12 Jun 2008 Location: Nunya biz Status: Offline Points: 12926 |
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I am not a financial expert (as our financial planner keeps telling us), I am into health care, but, during the GFC, did your super fund make any gains for you, mine certainly did not? PS, I have stated, I like the fact that I can access this money at anytime, for whatever reason I feel necessary (although I haven't as yet). |
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Whale
Champion Joined: 01 Jun 2009 Location: St Kilda Beach Status: Offline Points: 38719 |
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yes the GFC was a big setback for funds.
to tell you the truth I had a relatively small amount in there at that stage and did not take any notice of the quarterly statements I received. my share portfolio went down a lot ,of course |
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Rosscoe
Champion Joined: 02 Apr 2007 Location: Brisbane Status: Offline Points: 6124 |
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Well, with today's 0.25% rate cut and a distinct possibility of another one as early as next month, the equities now appear to be even more attractive.
The AUD is now moving down towards the mid 70s. I bought one more company since Dec 2014. Now 7 in my portfolio ( selling one very soon) ... RESMED was bought in January at $7 .. ( a company that has exposure in the USA - sleep apnoea products), has risen beautifully to $8.10 today. A very well managed company that will only grow with a shrinking AUD. A small dividend was thrown in as well. Telstra continues to grow - the yield investors have stepped in to take advantage of dividends with TLS half-yearly report on 12th Feb. Ex-Dividends to be announced shortly afterwards on 24th Feb. I have my eye on another company or two but am waiting for opportunistic buying when the market corrects. The ASX200 + All Ords could now well hit the 6000 mark predicted by some leading economists, a figure I thought was out of reach at the beginning of the year. The ASX200 hit the 5707 mark today but expect volatility to bring the market back again shortly. Amazingly the ASX200 + All Ords have now risen for the last 9 days. We hit a new high today that has not been seen since June 2008. Going forward, the equities is where you need to be for the short-mid term.
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Current Stable - Soul Star & Adivinar + Lady Vega
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Browndog
Moderator Group Joined: 30 Oct 2009 Location: Brunswick Hds N Status: Offline Points: 35559 |
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I think at least 1 more cut, probably 2 has been priced in today
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Whale
Champion Joined: 01 Jun 2009 Location: St Kilda Beach Status: Offline Points: 38719 |
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13% profit in less than 7 moths on the direct investment portion of my super fund, beats term deposits
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Ecair Issoire
Champion Joined: 10 Nov 2011 Location: Melbourne Status: Offline Points: 16586 |
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well done rosscoe + whale.
i got out of the "international shares' investment option on the 8th may last year..+ into the "property" option since then: int shares up 22.6% + property up only 7.7% ouch.. i cut + ran too soon..(had done very well over the previous 2 yrs ish). |
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Whale
Champion Joined: 01 Jun 2009 Location: St Kilda Beach Status: Offline Points: 38719 |
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shares are volatile, no guarantees my profit will be there in a few months.
no harm in taking a profit and 7.7&% in 9 months is alright too,especially with tax advantages in super fund |
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Ecair Issoire
Champion Joined: 10 Nov 2011 Location: Melbourne Status: Offline Points: 16586 |
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** i'm referringto my super + the managed options rather than direct
where i pick the shares myself** ...still haven't got the b*lls to do that. been watching a fair few shares + investment shows lately to try + get a basic understanding of what i'd be doing.. + you are right whale, i shouldn't complain. nothing wrong with 7.7% over 9 months as the safe option. i will get around to the direct stuff with my super eventually. |
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maccamax
Champion Joined: 19 Jun 2010 Status: Offline Points: 41473 |
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I'm not into shares but surely OIL will start to rise shortly.
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Browndog
Moderator Group Joined: 30 Oct 2009 Location: Brunswick Hds N Status: Offline Points: 35559 |
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Don't hold your breath waiting maxie. Today's rate cut was in significant part due the falling oil price pushing inflation down, and the market pricing in a couple more cuts suggests things aren't expected to change anytime soon
That and this hopeless govt
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3blindmice
Champion Joined: 22 Oct 2012 Status: Offline Points: 18105 |
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As Warren Buffet recently reiterated you can do far worse than invest in a low-cost S&P 500 index fund (he recommended Vanguard iirc). From the very little I read about them last month the better ones consistently outdo many(most?) fund managers, which makes you wonder why Oz super funds use their overpriced services at all. I'm also with Australian Super and I can't recall seeing Index Funds as an investment choice. Must ask.
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Rosscoe
Champion Joined: 02 Apr 2007 Location: Brisbane Status: Offline Points: 6124 |
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This might be worth some consideration!
I wrote about this ETF back in December & quoted … "Internationally, the US economy will continue to improve & at present there is no real rush pushing interest rates up. When they do eventually go up it will be a very gradual process. I have my money in an Exchange Trading Fund (ASX-WDIV). It is a Global Dividend Fund - The SPDR S&P Global Dividend Fund seeks to provide investment returns, before fees and other costs, that closely correspond to the performance of the S&P Global Dividend Aristocrats Index." "I expect this ETF to grow very nicely over the next 12-18 months. It gives exposure to quality companies around the world including a sizeable % in The USA, Canada + UK (around 50% weightings)." I've seen this ETF grow from $17 to $19.15 in a little over a month and a bit! With Quantitative Easing getting a kickstart in Europe as of March, expect this ETF to grow very nicely over the remainder of the year. |
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Current Stable - Soul Star & Adivinar + Lady Vega
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whitt0
Champion Joined: 01 Jun 2014 Location: Australia Status: Offline Points: 10911 |
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Asian Equities unhedged. That is the way to play it for lil bit longer.
You wont get me near a simplistic ETF that creates its own index to replicate. Better off with a high quality manager than a factor based strategy. As for global dividends, u r better off with Aus Eq income where you can get 4.5 cash yield + franking + higher income on a rotational strategy = 8-9%. |
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Ecair Issoire
Champion Joined: 10 Nov 2011 Location: Melbourne Status: Offline Points: 16586 |
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they offer ETF's (exchange traded funds) within member direct
http://www.australiansuper.com/campaigns/member-direct-guide.aspx which are not the same as index funds..but similar i think.. i don't know enough to explain the differences. |
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Ecair Issoire
Champion Joined: 10 Nov 2011 Location: Melbourne Status: Offline Points: 16586 |
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the previous post was kinda in reply to 3blindmice.
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whitt0
Champion Joined: 01 Jun 2014 Location: Australia Status: Offline Points: 10911 |
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The Buff was mainly referring to large Cap US equities where there is a fair argument to index (crowded market, little insight). Australian Equities is one of the best markets to seek an active manager. The avg active manager has outperformed the index by 150-200bps over the medium to long term. Note - they should be called sub index funds. Take out their fees & they don't replicate the index.
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whitt0
Champion Joined: 01 Jun 2014 Location: Australia Status: Offline Points: 10911 |
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EI - they can be very similar. It depends what they are trying to achieve. If they are going to replicate an index like the ASX200 they will state it. If not, they may make up their own index!
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Ecair Issoire
Champion Joined: 10 Nov 2011 Location: Melbourne Status: Offline Points: 16586 |
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thanks whitt0
there sure is oodles to learn. |
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whitt0
Champion Joined: 01 Jun 2014 Location: Australia Status: Offline Points: 10911 |
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I am not a fan of ETFs broadly but understand that it is a cheap simplistic way to get exposure to the share market. That suits some people.
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Rosscoe
Champion Joined: 02 Apr 2007 Location: Brisbane Status: Offline Points: 6124 |
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Ha? Have you done your mathematics Whitt0???
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Current Stable - Soul Star & Adivinar + Lady Vega
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whitt0
Champion Joined: 01 Jun 2014 Location: Australia Status: Offline Points: 10911 |
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Rotational strategy gives u close to double the franking as well as an extra 1-2% income Roscoe
4.5% cash yield 2.5% -3% franking 2% approx extra income. Rotate through dividend periods (but not all) by avoiding dividend traps to boost after tax income. Don't rotate through all of them & hold the like of Telstra for longer if needed.
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Rosscoe
Champion Joined: 02 Apr 2007 Location: Brisbane Status: Offline Points: 6124 |
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It totally depends on the companies you are buying into - throwing those figures around is absurd!
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Current Stable - Soul Star & Adivinar + Lady Vega
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whitt0
Champion Joined: 01 Jun 2014 Location: Australia Status: Offline Points: 10911 |
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Not absurd Rosscoe - suggest you do research. If your happy with 3.5% income from global dividends with the potential that you lose income because they have hedged on capital account - go for it.
Of course it depends on the stocks, but you are not going to but low income stocks if u want income. Just 1 example & I can find more - Plato Aus Share Income Fund = 9.4% income last year. Also add in Merlon etc.
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Rosscoe
Champion Joined: 02 Apr 2007 Location: Brisbane Status: Offline Points: 6124 |
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I suggest you do some more research!
You are being very selective with your statements with little substance. |
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Current Stable - Soul Star & Adivinar + Lady Vega
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whitt0
Champion Joined: 01 Jun 2014 Location: Australia Status: Offline Points: 10911 |
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How much more substance do you want. Global Equity income strategies average close to 3.5% income per annum due to low payout ratios. The firms are not incentivised to pay income. In Aus, totally the opposite. We have higher pay out ratios & a huge incentive via franking credits. I am not being selective. The Australian equity index will give you a cash yield of 4.5% + approx 1.5% of franking = 6% income. Focused and targeted fund managers can achieve a lot more than that. Your call on Telestra has been a good one. Inc franking, over the last few years you would have achieved close to double digit income including franking. I am more than happy to be a generalist or talk specific sectors. Either way, I am still long asian equities unhedged. your call on o'seas earnings is also a good one!
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Rosscoe
Champion Joined: 02 Apr 2007 Location: Brisbane Status: Offline Points: 6124 |
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Go for it with the Asian equities unhedged (you are more game than I am for venturing into this one) and best of luck with your call!
Telstra was a good call and yes so was WDIV global Equites Fund. Telstra is a growth stock - wouldn't you agree?
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Current Stable - Soul Star & Adivinar + Lady Vega
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Rosscoe
Champion Joined: 02 Apr 2007 Location: Brisbane Status: Offline Points: 6124 |
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It depends very much on how you want to play the game with equities.
I am searching companies that hopefully will achieve significant growth, if they throw in a healthy dividend as well, a bonus .. (that's the icing on the cake!) Having checked my portfolio this morning the following results have been achieved:- Telestra (bought in October 2014, up over 22%). Very much a growth stock & performing beautifully!!! WDIV Global Equities (bought Dec 2014, up over 11.5% with still plenty of growth left over 2015 period with QE just about to commence in Europe & the USA still kicking goals. This will have a rebound effect on other global economies) Slater & Gordon (bought August 2014, up over 10% - a company that has broken into the UK and appears to have lovely growth potential in front of them) Resmed (bought January 2015, up over 12% since buying them). Outstanding!!! The other companies (Corporate Travel Management & QANTAS with a small hold on TPG - having sold most of the company last year with unbelievable double digit growth), have made positive growth. Some nearing double digit growth. The next call of mine will be when to exit some of the companies I'm holding to take profits. Technical Analysis will point me in the right direction. Following the trend lines will make that call for me in the not so distant future …. The Dow Jones this morning is currently up over 300 points at present which points to another great day on our market. This will be the 10th straight day we have made gains here. Meanwhile, expect the AUD to drop further in the short term. As mentioned previously, selective companies with O/S exposure are likely to be the big winners as well as yield producing stocks like the Banks & Telstra. Onwards & upwards although I am of the opinion a correction in the market is not that far away ….
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Current Stable - Soul Star & Adivinar + Lady Vega
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Whale
Champion Joined: 01 Jun 2009 Location: St Kilda Beach Status: Offline Points: 38719 |
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stockmarket has gone crazy and there will be a correction.
I am in for the long run though however I have presently made 15% on direct investment in less than 7 months plus tax benefits in super fund. better than 15% annually in real estate Macca , not geared though |
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Whale
Champion Joined: 01 Jun 2009 Location: St Kilda Beach Status: Offline Points: 38719 |
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If you have your money in Australian shares you are doing much better than international shares so far this year
While the US market rallied 11 per cent last year, it is slightly negative for 2015; by contrast, our market only rose 1.2 per cent last year but has jumped 6 per cent since the start of the year. According to Bloomberg data, the ASX200 has been the best world performer out of a group of 93 indices since January 20, in local currency terms. http://www.businessspectator.com.au/article/2015/2/6/markets/why-sharemarket-frenzy-could-fizzle |
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James Bond Esq
Champion Joined: 20 Sep 2013 Location: Melbourne Status: Offline Points: 13905 |
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Splash on effect. The US market is ahead of the Aussie Market. We will follow the US lead and slow down now.
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