Annoyingly my computer rebooted and I lost my post, so I am having to redo it – not ideal, but such is life – this is where I am glad I have the template!
So the month has ended, and so its 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 🙂
|Company Pension||-7.52%||No income generated as all funds are in growth or reinvested|
|Personal Pension||-0.49%||No income generated as all funds are in growth or reinvested|
|ISA 1||0.14%||No income generated as all funds are in growth or reinvested|
|ISA 2||-1.09%||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||-1.83%||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||0%||Account setup but no funds as yet|
|FTSE-100||-1.62%||This excludes any dividends|
|FTSE-250||3.39%||This excludes any dividends|
|FTSE-All||-0.69%||This excludes any dividends|
|S&P500||0.72%||This excludes any dividends|
|Dow Jones||1.10%||This excludes any dividends|
Ok – what the f**k happened to my company pension?! I have no idea, but seems like it lost more than I put in this last month. Ouch. Whilst each month I add more cash in it still hurts when I see this. Oh well, these things happen in investing times…
My actively managed ISA didn’t do too well either. I am trying to get the tracker value of my portfolio up to where I had targeted so I bought some more VHYL this month (about 3% of total portfolio value), after which it promptly dropped. Oh well. I have also learnt that I really don’t look at my tracker values, they are just there doing their thing in the background. It really is a great sense of ease on that side as the trackers slowly increase in value. I suspect it will take at least another year or two for it to get to the balance I want, but never mind. The dividends thrown out whilst not massive were not bad, but still adds more to the total value of these funds. The BMS I bought back in January has done well – up nearly 10% now, although I knew I should have bought some more after the crash from their results, I am focusing on getting the trackers leveled out.
My IFA ISA and pension did ok given the changes that have been made this month. After meeting with my IFA in March, I have changed the funds I invest in which of course has an impact, although there were no charges for doing this. Secondly, the funds from my bonus ticked through, so coupled with the basic tax relief this has had a huge impact knocking months off my predicted target date for the fund value I am after.
My other half’s ISA continues to tick along throwing out some cash which continues to chip away at the old mortgage.
Lastly, the Go T’ Pub ISA. So, no funds made it in this month. I’ve completed the transfer of 50% of my Cash ISA funds and they have left the Cash ISA but so far no sign of them appearing in my Selftrade account. In addition I have setup the direct debit from my bank account (you can do this on the 1st, 8th or 15th of each month I think it was), but they only do the regular investment purchase on the 24th of each month, so the first funds I will actually get to buy will be the back end of this month. I know it’s sad but I really can’t wait for this to start ticking along, it seems to have taken an age to get this far!
Despite all this negativity and drop in performance, my overall networth still went up mainly helped by the bonus hitting my retirement account, so I don’t mind as much!
So that’s it for this month, nothing great, but slow and steady as she goes. How was your April?
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.
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.
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