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||10.5%||No income generated as all funds are in growth or reinvested|
|Personal Pension||3.06%||No income generated as all funds are in growth or reinvested|
|ISA 1||2.23%||No income generated as all funds are in growth or reinvested|
|ISA 2||2.06%||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||4.03%||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||3.4%||Off we go!|
|FTSE-100||4.39%||This excludes any dividends|
|FTSE-250||1.82%||This excludes any dividends|
|FTSE-All||3.88%||This excludes any dividends|
|S&P500||0.98%||This excludes any dividends|
|Dow Jones||0.22%||This excludes any dividends|
So what a month, lots to take in, and lots of positive gains, which worries me. At some point the markets will dip and that will hurt, but who knows, main thing is, keep investing!
Say what?! Well actually I find out what was going on. The funds had not appeared in last months online account and took a while to show up, and hence the drop last month and the massive increase this month. All the payments have gone in as expected, the company that manages the pension came up with some excuse of “We need to take time to process etc.” but its the only month it hasn’t appeared almost immediately, and magically appeared a few days after my call. Just shows why you need to keep on top of these things.
So this one slightly under-performed the trackers by a fraction – however it was the largest monthly payout from it this month which was a real bonus. It is also a mixture of portfolios which is also hard to compare. I am really happy with the way this is starting to come along now, although the money goes straight off the mortgage at present, it is starting to be enough to make things easier if something did go wrong (e.g. pay a bill or two each month, or some food etc.)
The ISA I manage
I can’t believe how this is doing – I have been looking at some of the stocks which have taken a beating over the last month or so and still it relentlessly ticks up – I love it!
Overall I am pretty happy with that – the FTSE-100 was the main performer this month but that isn’t very diversified! Things are still continuing to push up as my overall networth (including and excluding house equity) increases which is really positive.
The slightly sad thing is that this is the first time that my dividend income this year was below the same month last year. This is a bit of a kick for me, but then I think about it – my income in May is mostly provided by HGM – for which I sold out 60% of my holdings back in January. So really, a very small dip in income from such a huge sell off. I guess I can’t really be that sad about it! In the last 5 years of tracking this is now only the second month that I have taken a dip in income – that is good to know.
Since tracking with all the ISAs and stuff this tax year, I can look back and start to see how things shape up. So apart from so little data (2 months!) what does it tell me? Basically sod all! There is about £300 difference between the best performing and the worst performing. I will watch with interest how this goes over the coming years. I may even get it into a graph at some point!
How was May for you?
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 finally setup