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Actual yields

Discussion in 'Other Asset Classes' started by kum yin lau, 23rd Jun, 2016.

  1. kum yin lau

    kum yin lau Well-Known Member

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    Hi, I'm superstitious and fear that I may jinx myself if I reveal what I've done. However, I thought that it might be useful for those who haven't invested very long to know the realities.

    1984-1995: house - 18% p.a.
    1989-1993: shares & forex - 17.5%
    1998-2008: property (Adelaide) - 40% that's year in year out for 10 years around 60K p.a.
    2009-2016: shares (Aust) about 20% from 09 -12 still an ongoing saga

    Recent: BHP QBE NEA IFM : $30k realized profit for period Nov - June excluding unrealized cap gains
    Property was VERY stable. Shares really volatile. BHP - bought $18.41 dropped to $14.36 I invested up to 130K to make about 11 thousand in 2 months. It's quite nerve wrecking. NEA for example, I still hold the original 5.9 shares but I bought more and it dropped from 60 cents to 33 cents. Then it shot up to 59 cents. I sold about 300 thousand shares at 54.5 cents and bought them back at 47 cents, making just under 20K This was from Dec to May.

    I actually sold a commercial property that had a 4K per month rent so I need to make about 50K p.a.

    So, just some numbers to mull over, for those who are interested.

    Needless to say, it takes a lot of nerve and some skill, mostly I don't know where the courage comes from!!

    Good luck,

    KY
     
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  2. MTR

    MTR Well-Known Member Premium Member

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    I am a little confused, sorry...

    House? so you sold this in 1995?
    Adelaide property did you sell this in 2008?
     
  3. The Falcon

    The Falcon Well-Known Member

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    Well I'm lost :)
     
  4. austing

    austing Well-Known Member

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    Thank Christ for that. I thought for a moment it was just me :confused: and I might have to cut back on the home brew:eek:.
     
  5. York

    York Finance Broker Business Member

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    I'm also confused. Did the Adelaide house make 40% per year for 10 years?
     
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  6. spludgey

    spludgey Well-Known Member

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    That makes me 5/5 for people that don't understand this thread.
     
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  7. Ardi

    Ardi Well-Known Member

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    +1
     
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  8. Phil82

    Phil82 Active Member

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  9. Excalibur1

    Excalibur1 Well-Known Member

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    I think OP is talking about his/hers returns on different investments over long period of time...?? But I think they just JINXED themselves! Brexit will definitively happen now or did I just Jinx that too? :)
     
  10. kum yin lau

    kum yin lau Well-Known Member

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    Hi, sorry to hear that so many don't understand my post. There are many opinions on asset classes, which ones are better etc.

    My post is the yields I achieved when everything was realized. My investing journey in a nutshell.

    So yes, 1st house sold in 95
    Then shares & forex over 5 years
    Then the big decade of properties in Adelaide - this was the best
    Now shares again

    These are actual realized yields.

    KY
     
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  11. Hodor

    Hodor Well-Known Member

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    Some of the confusion is with the word "yield" when it would appear you mean total return or capital growth.

    Your Adelaide example is confusing too

    It sounds like your return here is calculated as a return on cash or initial investment, not compound returns.

    Which then raises the question of your "house" with 18% pa return. Is that compounded or on initial price?

    It would appear you have been very successful so congratulations. The examples listed aren't very clear for comparisons sake however.
     
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  12. MTR

    MTR Well-Known Member Premium Member

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    Yes, those yields are excellent.

    @kum yin lau
    Next question do you live off your returns, re invest??

    MTR:)
     
  13. kum yin lau

    kum yin lau Well-Known Member

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    Hi, I've been living off rents for the last 11 years. Recently sold most of my properties leaving only 2 in NZ and PPOR in Adelaide.

    The yields I gave are annual yields for the periods mentioned and they are not compound. They are average annual yields based on rental and cap gain income. For simplicity, I took the final amounts eg in Adelaide, all 4 houses were sold before I did the final calculations.

    I did the same for forex and shares.

    I thought it was interesting to see what differences there are among property, shares and forex.

    Property has given me the biggest gains.

    KY