Real - time Fund Portfolio Record

Explanation

I was actually quite hesitant about starting this series. After all, in the traditional Chinese mindset, savings shouldn’t be made public. Last night, I told my wife about this idea, and she supported it, so I decided to start writing this series.

The “Real - time Fund Portfolio” series is mainly intended to record my fund investment process, such as which funds I bought and sold, why I did so, and other related knowledge I learned or understood.

Holdings

Since it’s a real - time portfolio record, the first thing is to check the holdings. My current holding situation is as follows:

As can be seen, most of the current holdings are in a loss state, with only three funds showing a profit.

I started regular investment in the second half of 2019, so the above holdings are the cumulative investment situation over these four - plus years. Of course, I sold some when the returns were good in 2020 (or 2021, I can’t quite remember).

I mentioned some mistakes I made in the past few years of regular investment in Four Mistakes Made in Four - Year Regular Fund Investment, which are all reflected in the holdings.

For example, one problem is that there are a large number of funds in the portfolio, 18 in total. Many of them were bought following the trend, and in fact, I’m not familiar with them. One of the important reasons for starting this blog series is that I hope to conduct regular reviews and discover these problems as early as possible. Because I find that I’m a bit too laid - back about fund investment, often only opening the app once every one or two months to check the holdings and returns.

Investment Tools

I use Tiantian Fund to invest in funds. Firstly, because it has a comprehensive range of funds on the shelves, basically all funds in the market can be bought. Secondly, it has a portfolio function that can aggregate all the funds I bought into one portfolio, with some additional analysis functions. For example, I can view the overall annualized return, the return curve, and the comparison with similar products, just like this:

The name of my portfolio is Regular Fund Investment Growth Plan, and it’s public. It can be searched for in the portfolio market of Tiantian Fund.

Profit Situation

The first picture shows that my holding return is - 8242.06. In fact, my overall return should be close to break - even. The reason it shows a loss here is that after selling some profitable funds, they are no longer displayed in the portfolio. This is related to the profit - calculation method used by Tiantian Fund. I couldn’t explain it clearly when my wife asked me yesterday. I need to spend some time researching this later…

As the first blog in this series, I’ll stop here for now. In the future, I plan to start from the beginning of regular investment, record the buying and selling situations over the years, why I did so, and my learning process.

I hope other investment - making friends can make money and not lose money like me.