Author Topic: Critique my Portfolio.  (Read 35217 times)

Delusionsofgrandeur

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Re: Critique my Portfolio.
« Reply #15 on: November 14, 2013, 05:36:10 pm »
Wowee,a curveball,I didnt expect that ,halve the indi.

I am 31 now.How would you adjust my portfolio if you were in my shoes,whilst trying to only pay CGT tax?

I want to be conservative with the bulk of my money and don't mind selling every 3 years if need be.

Thanks allot,I appreciate everyone's responses.

Orca

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Re: Critique my Portfolio.
« Reply #16 on: November 14, 2013, 06:10:26 pm »
Halve the Indi and add to OMN. There is no stopping these 2 for conservative, steady growth. The Indi for 30% growth and OMN for 70%.
Keep the other 2 at 10% each and you have a portfolio of 2 good steady growth stocks with 2 for alpha.
I don't like giving advice but you are still young so it is a start for you to learn your own stock picking methods. No doubt I will get flack by some members. After all, I'm not near winning the competition.
I started here with nothing and still have most of it left.

Nios

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Re: Critique my Portfolio.
« Reply #17 on: November 14, 2013, 08:39:20 pm »
Those look like some nice steady growing stocks. I like the look of those charts. Definitley going on my watchlist

Out of interest sake how much in total all your looking at throwing at the market and will you continue to add to your positions on a monthly basis?

Delusionsofgrandeur

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Re: Critique my Portfolio.
« Reply #18 on: November 15, 2013, 11:52:50 am »
Yes,I am far from retirement and I would like my money to work for me.I like that ratio Orca.It seems conservative,but it still maximise's profit.

So I think it might be better to leave out the INDI as you initially suggested,since its probably better for longer term or retirement

.I can always sell these at some point and Buy INDI when the INDI corrects. I want to keep at least the OMN for longer than 3 years.


OMN   70%
PNC    15%
MTA    15%

Would it behoove me to Create another account for OMN,so that can be considered Investing?

Then keep PNC and MTA in a seperate account.I will use this account for investing,but if anything goes wrong with the a share I can still sell them at different times ,then it can be considered a trading account.Do I make sense?


Also,can shares later be transferred from one account to another,from my trading to investment account perhaps?

Nios,I am going to throw all disposable income into it except maby a few bucks ,which is not allot.Just under R300 000.

So here is where I am hazy,I am not too sure if its a good or bad thing to add to those shares,especially if I have to sell within 3 years,which I am not expecting to do for the OMN.

BUt as I understand it,each share has a date,and if I use the weighted average method I can just average the value of my profit.

So ,to answer the question I would like to add to OMN maby every few months or at dips since it appears to be stable.Or,I will invest in other stocks once I become educated and I can read the market.

"I went on early retirement last week and have no Indi in my portfolio as of yet. This is only due to the fact that I have not reached my 4% thing yet. So while I'm in good mental health, I will go for that 4%. Once that is reached or I start acting funny, I will sell all and buy into the Indi and perhaps some OML for alpha. Like in 70%/30%."

Orca,what is this 4% thingy you refer to?

I would probably go higher for PNC and shave some off OMN but I dont know much about these stocks yet.
« Last Edit: November 15, 2013, 12:47:37 pm by Delusionsofgrandeur »

Orca

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Re: Critique my Portfolio.
« Reply #19 on: November 15, 2013, 01:20:13 pm »
Your total investments times 4% divide by 12. If you can live on this monthly amount, you will be ok and can live out any market corrections. Some say as high as 5 or 6% will do.
I started here with nothing and still have most of it left.

Orca

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Re: Critique my Portfolio.
« Reply #20 on: November 15, 2013, 01:37:35 pm »
To put my money where my mouth is. Just bought OMN at 20900.
« Last Edit: November 15, 2013, 01:39:15 pm by Orca »
I started here with nothing and still have most of it left.

jaDEB

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Re: Critique my Portfolio.
« Reply #21 on: November 15, 2013, 01:45:58 pm »
Not that I am saying you should not, as I have the 1 share portfolio. Do u not think it is risky with such a high % of OMN. Like I said, that is what I am doing, just asking a question that you financial advisor will ask you.

jaDEB

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Delusionsofgrandeur

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Re: Critique my Portfolio.
« Reply #22 on: November 15, 2013, 02:25:25 pm »
Your total investments times 4% divide by 12. If you can live on this monthly amount, you will be ok and can live out any market corrections. Some say as high as 5 or 6% will do.

I don't understand this formula.Total value of investment times 4%?
What is  the name of it so I can google it?
Not that I am saying you should not, as I have the 1 share portfolio. Do u not think it is risky with such a high % of OMN. Like I said, that is what I am doing, just asking a question that you financial advisor will ask you.



Past success is not an indicator of future success,is probably something a Financial advisor would say.

But if I can even hold onto  OMN for a year it would still be worth it,what I know is that I probably won't directly lose any money on it.Seems like a safe bet for the returns you will recieve,that's just the way I see it.

I will skip diversification if there is a clear winner among the pack,in terms of performance.

Orca

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Re: Critique my Portfolio.
« Reply #23 on: November 15, 2013, 03:29:04 pm »
Patrick gave us that percentage. It could be in his blog.

R5 000 000.00 x 4% = R200 000.00
Divide by 12 months is R16 666.66 pm.

R4 000 000.00 @ 5% will give you the same so I will go with the 5% one. Some financial experts quote it at 4% and some at 5%. I can easily live on R16 670.00 pm as it will be taxed at CGT.
I started here with nothing and still have most of it left.

Orca

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Re: Critique my Portfolio.
« Reply #24 on: November 15, 2013, 03:44:30 pm »
I started here with nothing and still have most of it left.

Nios

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Re: Critique my Portfolio.
« Reply #25 on: November 15, 2013, 08:16:09 pm »
So to get to your magic retirement number you need to multiply  your total annual living costs by 25.

In Orcas case its 4bar. Ensure its invested in a good steady basket of shares/tracker fund and only draw down 4% annually to pay yourself your annual salary.

You will also receive an increase every year as the fund grows yet continue only drawing down 4%.

Go see the results with Patricks compounding calculator. Very interesting.

Delusionsofgrandeur

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Re: Critique my Portfolio.
« Reply #26 on: November 16, 2013, 05:51:10 am »
Yeah,that's a cool blog and an interesting formula.

Question,is the PE ratios for FGL and OML too high for their industries to buy in your opinion?If I need to diversify maby it could be with these guys,but I am not aware if I am too late.What about MR. PRice ad a share?Cannot find a topic for FGL so I ask here.

I don't like giving advice but you are still young so it is a start for you to learn your own stock picking methods. No doubt I will get flack by some members. After all, I'm not near winning the competition.

I don't mind,you are one of the few people actually giving me solid advice,and your past  predictions and research on stocks have been successful.I wish those other folks would chime in too with their  winners.I take all advice and go with the common denominator plus my own google research plus 10% hunch.
« Last Edit: November 16, 2013, 06:43:06 am by Delusionsofgrandeur »

Orca

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Re: Critique my Portfolio.
« Reply #27 on: November 16, 2013, 06:38:35 pm »
OMN has a very normal PE ratio. All stocks with good growth have their PE ratios go higher and higher only to drop when the results are published. A PE of 12 is great for long term, but so is 20. Some stocks thrive at 300.
I, personally do not do stocks higher than 20. But that is just me because I am conservitive.

Here is a chart for you to decide which of these 2 are the better performers. I hope you pick the correct one.
I started here with nothing and still have most of it left.

Nios

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Re: Critique my Portfolio.
« Reply #28 on: November 16, 2013, 07:46:46 pm »
Yeah,that's a cool blog and an interesting formula.

Question,is the PE ratios for FGL and OML too high for their industries to buy in your opinion?If I need to diversify maby it could be with these guys,but I am not aware if I am too late.What about MR. PRice ad a share?Cannot find a topic for FGL so I ask here.

I don't like giving advice but you are still young so it is a start for you to learn your own stock picking methods. No doubt I will get flack by some members. After all, I'm not near winning the competition.

I don't mind,you are one of the few people actually giving me solid advice,and your past  predictions and research on stocks have been successful.I wish those other folks would chime in too with their  winners.I take all advice and go with the common denominator plus my own google research plus 10% hunch.
I took a punt on FGL to get my portfolio performance up. By no means would I suggest throwing all your funds at it. I wouldn't. I would go with OMN instead and seriously looking at it now for my real portfolio. I do like Orcas suggestions and am looking at investing aggressively for the next 3-5 years in OMN, STXIND, MTA, PNC(tech stocks make me nervous though)
« Last Edit: November 16, 2013, 09:55:23 pm by Nios »

Orca

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Re: Critique my Portfolio.
« Reply #29 on: November 16, 2013, 08:16:03 pm »
Leave PNC out then. The ZAR depreciation worries me a bit.
I started here with nothing and still have most of it left.