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||-1.08%||0%||No income generated as all funds are in growth or reinvested|
|Personal Pension||-0.63%||0%||No income generated as all funds are in growth or reinvested|
|ISA 1||-0.44%||0%||No income generated as all funds are in growth or reinvested|
|ISA 2||-0.55%||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||-2.18%||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||-3.02%||N/A||Just starting up – Go T’ Pub|
|FTSE-100||-2.76%||This excludes any dividends|
|FTSE-250||-3.16%||This excludes any dividends|
|FTSE-All||-2.77%||This excludes any dividends|
|S&P500||0.66%||This excludes any dividends|
|Dow Jones||1.73%||This excludes any dividends|
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. Contributions are still going in and do make a material impact to the overall level.
ISA 3: This is the ISA I manage myself. The last contributions added to it was the tax year 2016 – 2017 – I may add in the future, but not until some of my other ISAs have grown to a similar size.
ISA 4: This is the Go T’ Pub ISA that is slowly started to tick up.
So what to make of all these lovely numbers? First off it seems that the US market is still gradually ticking up – despite VWRL and VHYL going down, so must have been bad elsewhere! This is backed up by the UK figures for this month – really rather dire!
I continue for now to take the performance of my company pension, ISA 2 and ISA 4 with a pinch of salt as these still have a large contribution going in which will warp the performance slightly depending on purchase date. The main thing is the absolute value continues to push up.
So I am disappointed with my actively managed ISA, but it took a hit on a few stocks this month, but at the same time paid out a large increase in dividends Year on Year from last year in, so it’s not all doom and gloom – even more so as my VHYL holding didn’t pay out in June as I had expected! That gives me something to look forward to in July.
There will be a follow up post for the details of the Go T’ Pub ISA, but given the contributions are a massive amount compared to the total, so I take that with a pinch of salt.
My personal pension did ok given its split and shows the value of being suitably diversified – even with the fees being charged.
Overall my networth (excluding home equity) continues to track steadily upwards (well ok, last month it did go down a fraction but….) and I am seeing the number go up faster than I thought originally possible, although I am sure one good crash will change that 🙂 Given how much this has gone up over the last 12 months I do worry about what is going to happen, but the joy of also tracking my dividend income means I worry less about the overall value. Dividends halfway through the year are ahead of last year by a reasonable whack and will hopefully continue to climb up to help me move my spending to coming from re-earned income rather than my salary.
How was your June?