Firstly, my apologies for the delay in posting – I was trying to avoid only ever posting on Fridays and Sundays and try to make sure I kept up a good number of posts, but the last 10 days have been intense and have left me rather sleep deprived. Anyway – onwards and upwards!
So the month has ended, and it’s time to take stock of the performance across my portfolio, and compare it to the usual index of choice. This enables me to see how I am doing. As I covered in my “How I measure performance” – basically I take the value of the portfolio at the end of last month, add on any contributions for the month, and that was my starting value. End value is the value at the end of the reporting period. Simples 🙂
| Portfolio | Performance | Notes |
| Company Pension | 2.1% | No income generated as all funds are in growth or reinvested |
| Personal Pension | 1.48% | No income generated as all funds are in growth or reinvested |
| ISA 1 | 1.24% | No income generated as all funds are in growth or reinvested |
| ISA 2 | 1.15% | 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 | 1.06% | 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 – not yet set up |
| FTSE-100 | 0.82% | This excludes any dividends |
| FTSE-250 | 1.07% | This excludes any dividends |
| FTSE-All | 0.93% | This excludes any dividends |
| S&P500 | 0.14% | This excludes any dividends |
| Dow Jones | -0.51% | This excludes any dividends |
| VWRL | 0.21% | |
| VHYL | 0.12% |
Overall not too bad a month. My actively managed ISA produced my highest ever dividend income – something I am happy with given I am sitting on a fair whack of cash which I could have put into VHYL, although VHYL also missed paying out in March, so really rather happy!
Onwards and upwards…. hopefully!
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. As I am still making contributions that are a significant amounts compared to the total still, I take this performance with a pinch of salt.
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). Although I transferred my additional funds in, they didn’t hit the account before month end.
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. As with my company pension – the contributions are still significant so I am taking the performance with a pinch of salt
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
I am probably a bit late, but how was your March?
FIREin' London 
I had a good March with a net worth increase of roughly 2% If I continue at this pace I should meet my goals of 30% increase in net worth for the year 🙂
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Hi MSM,
Congratulations on a great monthly increase – fingers crossed for the 30% increase this year – that is a heck of an increase! 🙂
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March was a pretty good month for me. I was able to pay down some extra mortgage balance. In April, I’m going to continue to save for the future and look to get rid of PMI on my mortgage.
Thanks for sharing 🙂
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Hi Erik,
Thanks for joining in the thread! Great work on paying down the extra mortgage balance – it is always a nice feeling when you can do that – it certainly gives me a buzz!
I don’t blame you on trying to get rid of the PMI side – I look at the insurance I am paying (just in case, as I don’t want to lose my home!). I have never needed it, but I am not comfortable without it at the minute – when my savings surpass the outstanding mortgage (or when I am close) then I will think about it!
Cheers,
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All positive, apart the blip of Dow Jones, so a good month for you, FiL.
I’m glad that I had a very good March, hitting a couple of milestones along the way because April is where I start to lose some momentum as I won’t have my usual wage to invest! Still, my investments should continue to tick over, plus there will be dividends to invest too. Onwards and upwards as you say! 🙂
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Hi Weenie,
Thanks for stopping by again! The main thing is that all of my holdings are up, and more than the index trackers. Reminds me I ought to update the portfolios to show what the split is for my other ones!
Glad to hear March was good for you as well – hopefully the right new role will be there soon so the wages will start ticking in again!
The dividends are always a nice boost to see them ticking in all the time – scarily now I even forget when dividends get paid in my ISA – good old HSBC I missed until I saw it in my account 🙂
Yup – the sky is the limit! 🙂
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