Instalments in SMSFs - Portfolio Study results

Latest Detailed Portfolio Returns Summary - Results (XLS 56KB)

Results update - 1st July 2009

As can be seen from the summary below our instalment porfolio has significantly outperformed our share porfolio with double the return on our initial investment. Income was received from the dividends paid out by WOW, QBE and our exchange traded fund STW over the period. It is important to note that the dividends received in our instalment portfolio will be used to pay down our loan on each instalment. The franking credits received can be used to create an earnings shelter to off-set alternative income earned by our SMSF.

Portfolio performance

  Shares Instalments
Initial Value $124,947.94 $124,968.76
Value 01/07/09 $148,450.11 $174,775.55
Profit/loss $23,502.17 $49,806.79
ROI % 18.81% 39.86%

Portfolio income

  Shares Instalments
Dividends Received $1254.32 $5,373.44
Franking credits $237.92 $1060.44
Total $1492.26 $6433.88

Initial summary - 2nd March 2009

The initial summary provides an overview of our two portfolios. As you can see the values invested in the two portfolios are close to the intital $125,000. The units held in each of the shares varies significantly between the portfolios due to the leveraged nature of instalments.

Share Portfolio

ASX Code Shares held Price Value
BHP 894 $27.95 $24,987.30
CBA 876 $28.51 $24,974.76
WOW 1000 $25.00 $25,000.00
QBE 1470 $17.00 $24,990.00
STW 819 $30.52 $24,995.88
Total $124,947.94

Instalments Portfolio

ASX Code Instalments
held		 Price Exercise
Price		  Expiry Date Value
BHPSSR 1747 $14.31  $14.35  30/06/2010 $24,999.57
CBASZX 1720 $14.53  $13.95  04/02/2019 $24,991.60
WOWSSR 1858 $13.45  $13.00  30/06/2010 $24,990.10
QBESZX 4798 $5.21  $12.06  04/02/2019 $24,997.58
STWSZX 1847 $13.53  $17.09  04/02/2019 $24,989.91
Total     $124,968.76