March ’17 Performance

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!


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?