FQ investment saving ISA 2

FQ investment saving ISA 2

Usually I searched using the tools of investment websites. 

While doing my study/ research, I do use a notebook. Jotting down some notes from what I saw online. 

I started off simple. 

1. Name of funds/ stocks (equities) / trust. Be careful of very similar names. Class.  Accumulate or Income. Currency. 
2. Returns / Performance of

• 1 month, 6 months, YTD Year To Date, 1 year, 3 years, 
• 5 years, 10 years. (please kindly let me know where to find 15 years data or since launch ) Then... after a few seasons, I want to find out more.

1. What stocks are in the funds?
2. When did the fund started? 
3. Who is(are) the manager(s) & their background? (After some times, I would like to know more)
4. Fees?  10K scenario fees and after-fee 5 year total return. 
5. PE Price-Earning raio, PB Price-Book ratio, maybe PC Price-Cash ratio. 
6. I can understand the basics of candles charts. Not interested in pure technical prediction based on patterns. 

So back to the previous example of the research of Japan funds.

Just checking long term performance ranking was a good start.

But it is better to understanding what I am buying.

Excuse me for my limited knowledge. I only know the ones circled in magenta pink.

I saw in another document that 

the Lindsell Train fund even has Calbee / Kirin in its top 10 last year. 

🤣😄Ha! 

Maybe smart investors should or would research all the companies!?!?! 

Notes handwriting is usually messy, it is better to put the notes in a spreadsheet. 

(this is a screen shot of the notes I made which listing the top 10 stock holdings of some funds)

I did looked at what is Denso. 

And you can guess, the part below that table is the performance.

 

Surprisingly, 

I did the notes and charts after I had bought two of the above funds at minimum requirement. 

  

If I have find a way to automate sourcing data...

I would like to know more including

• 12-month high & low.  
• Fund size. 
• Alpha & Beta figures
• Which country the company is in?
• Sharpe ratio, Sortino ratio... 

Disclaimer: It is not an ad. I have not received any payment from those companies. I do not know those companies or managers. 

All of above are my personal study notes in my journey of having an ISA account. 

Data will be different every day or even hours, especially the numerical data. 

FQ investment saving ISA 1

FQ. Saving/ Investing. UK  ISA (tax free) account - Stocks / Investment. 

Aim:  to save money when there is almost no interest in bank saving accounts.

I opened an account around April. Eventually now I decided to have a serious look. 

Just a personal experience. (See below for other background.) 

Problem to solve:

1. To choose quality funds +/ equities +/ trusts to help me increase my savings
2. while trying to choose more sustainable investment and ideally not into weapons or tobacco, etc. Not too keen on chemicals or pollution-causing industries. Ideally environmental friendly, and, or, ethical. 
3. To know the real situation of  lossing or earning / lost or profit 

My Solutions: 

Tools: MorningStar. Trustnet. 

Originally I checked with Martin Lewis Money and chose Cavendish. But later Fidelity bought Cavendish. Anyway for the time being I use Fidelity.

Originally I use MorningStar - tools. 

📐Screeners function & 📐Investment Compare function.

Then sort long term performance, ranking "10 years" high to low. 

I jotted down my observation in a notebook. 

Only simple notes on the performance.

Later I added more info when I jotted down notes.  

Recently, I also use Trustnet which has interactive lists after a flexible search. The interface and page layout is reasonable with colour-coded graphs.

Here,  I use Japan funds as an example. (Too many UK funds or US funds to list. You can choose other regions or themes)

researching ...  

( to keep the list short, I removed some newer ones / low returns ones)

Where as MorningStar has compare function. Side by side listing.

Both short term and long term performance. 

Good to check the scenario of 10k 5 year 5% after-fees total return as an illustration. 

Problem to solve 3-  tools in Fidelity & MorningStar do not show the real situation. 

They do not cover all the fees I have paid for each funds/ equity/ trust. (as I was doing the minimum amount, buying equity and trust will have to pay a relatively high fee each time)

My solution 3. 

I have to use a spreadsheet to input my entries by hand, 

recalculate the real cost including the fees.

Then, copy & paste market value to minus the real cost to find out the answer.

Problem to solve 4

Need  automation of the tasks. 

Solution?  

Please kindly offer some good suggestions. 

Using MacBook Pro "Numbers" for Mac. 

No plan to use MS Office or Google Sheet at the moment.

Background: 

Last year, I also try to warm up playing a timed online simulation game Telegraph Fantasy Fund of London stock market. In between April and February, I infrequently & irregularly bought something to test the water.

(Over a decade ago, I also tried the Investopedia investment game but that is USA investment.) 

Some years ago, First State was good. But then it was split, companies and personnel changed. 

Up to September it is relatively free to buy funds at the platform , and lower cost to buy stock/trust if bought via monthly saving plan. So I hope to get things establish before that. 

Next blog entries : my second part of this research about Japan funds