Whisky investor account examples

How has maturing whisky performed since October 2015?

The profit and loss examples below are from real accounts opened and funded in October 2015. The volume of maturing whisky purchased in each account was calculated to leave sufficient cash to pay all storage and insurance fees for 10 years.

£10,000 was deposited into each account and the required volumes of the maturing malt and grain whisky available at that time were purchased.

When we receive a bulk trade bid for a whisky owned by these example accounts our policy is to accept the bid and then use the proceeds from the sale to buy the same volume of a suitable whisky within a reasonable timescale.

These accounts can be found and scrutinised in our Audit under the following public facing nick names:

WIDMALT – 100% Malt – 85 LPA of each of the 24 malt whiskies then available

WIDBLENDED – 60% Grain & 40% Malt – 255 LPA of each grain and 45 LPA of each malt then available

WIDGRAIN - 100% Grain – 540 LPA of each of the 6 grain whiskies then available

 

As of 6 May 2021, the account values after buy commission and storage fees have been deducted stood at:

WIDMALT – 100% Malt – £15,400.84; a 54.0% increase over 67 months (equivalent to 9.6% p.a.)

WIDBLENDED – 60% Grain & 40% Malt – £13,910.60; a 39.1% increase over 67 months (equiv. to 7.0% p.a.)

WIDGRAIN - 100% Grain – £12,239.89; a 22.4% increase over 67 months (equivalent to 4.0% p.a.)

 

Note that, for simplicity, these example accounts hold large sums of unspent cash out of that initial £10,000 deposit, ready to pay future storage fees.

That masks the true rate of return. The table below reflects the gains made on the amount of money actually spent to purchase and store the maturing Scotch to date.

To pay their ongoing storage fees, our users tend to make small deposits once every couple of months, rather than leaving idle money in their accounts for long periods of time.

 

For illustrations of the commission fees and storage charges to invest in maturing Scotch whisky see the worked examples and note that for every maturing malt and grain whisky available on the live orderboard there is a chart showing its price history. 

Of course, past performance doesn't guarantee future returns but the images below show the most recent profit and loss screengrab from each account and also shows the % change in value of each distinct whisky line.

 

WIDMALT - Malt whisky account

 

WIDBLENDED - Blended whisky account

 

WIDGRAIN - Grain whisky account