So a slightly late one this month, apologies I will explain why in another post, but time to look back at how the portfolios have done over February. Going forwards I think I will drop the Income column for this.
So, without further ado, onto the numbers….
| Portfolio | Performance | Income | Notes |
| Company Pension | 2.28% | 0% | No income generated as all funds are in growth or reinvested |
| Personal Pension | 2.26% | 0% | No income generated as all funds are in growth or reinvested |
| ISA 1 | 2.33% | 0% | No income generated as all funds are in growth or reinvested |
| ISA 2 | 2.1% | ~0.1% | The performance does not include the income that was paid out into my account, but is covered by the income so really need to consider both in conjunction. |
| ISA 3 | 0.9% | 0% | Although dividends are paid out, they remain in the ISA wrapper, and will get reinvested for growth. The performance figure includes both the Capital growth, and also income received which will get reinvested. The Income is the %age paid out by the portfolio but remains inside the wrapper to buy more goodies |
| ISA 4 | N/A | N/A | N/A – not yet set up |
| FTSE-100 | 2.31% | This excludes any dividends | |
| FTSE-250 | 3.43% | This excludes any dividends | |
| FTSE-All | 2.47% | This excludes any dividends | |
| S&P500 | 3.93% | This excludes any dividends | |
| Dow Jones | 4.95% | This excludes any dividends | |
| VWRL | 4.43% | ||
| VHYL | 3.59% |
So… overall not a great performance across the board for my portfolios compared to the benchmarks for once, I guess it had to happen eventually!
Notes:
Company Pension: This consists of a number of actively managed funds – I don’t have any choice of trackers etc, but I will take the matching, that will more than cover the fees, and I will just live with it. The monthly contributions still make up a large chunk of the total investment and so this does skew the numbers
Personal Pension: This is managed by my FA and contains Actively Managed funds. I continue to contribute each month and the contribution is included in the performance – before my FA has taken their cut (e.g. if I put in £100, and they charged me £5, so only £95 went into the account, I would still class that as £100).
ISA 1: This is also managed by my FA, but no new contributions going in (nor planned).
ISA 2: This is also managed by my FA, however its slightly more complicated than that. There are 3 sub portfolios within, each of which have funds added each month, but each portfolio has different levels of contribution. The total contributions still make up a large chunk of contributions as well so this also skews the numbers a little.
ISA 3: This is the ISA I manage myself. The last contributions added to it will be this tax year, 2016 – 2017 until some of my other ISAs have grown to a similar size
ISA 4: This is the Go T’ Pub ISA that is being held for now for reference, but will start from the new tax year in 2017 – 2018
Every month that is a positive month is a win in my book 🙂 My portfolio went up 3% in February and I’m super happy with that, although if you nitpick I’m sure I could have done better. Oh well, maybe next month 🙂
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I would go further – any month that you add capital is a win (if the markets go down then you get more!). Great news on your uptick – it all keeps helping towards the end goal 🙂
Keep up the good work!
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