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 🙂
October zipped by with holiday and building works, and November is already seeming to get away from me with work, the best thing is though that now all my investments are on autopilot, the lack of effort required to keep investing is good.
So, how was October….?
|Company Pension||2.85%||No income generated as all funds are in growth or reinvested|
|Personal Pension||2.71%||No income generated as all funds are in growth or reinvested|
|ISA 1||1.68%||No income generated as all funds are in growth or reinvested|
|ISA 2||1.14%||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. This was the largest month payout of income to date, fantastic!|
|ISA 3||2.02%||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||1.84%||Go T’ Pub ISA|
|FTSE-100||1.63%||This excludes any dividends|
|FTSE-250||1.77%||This excludes any dividends|
|FTSE-All||1.67%||This excludes any dividends|
|S&P500||2.30%||This excludes any dividends|
|Dow Jones||4.52%||This excludes any dividends|
|GBP/USD||-0.86%||This was taken on the spot rate on the close of the last day of the month. Going forwards I will pick up the exchange rate from www.xe.com for consistency and real life 🙂|
So, what to make of it all?
Well, the Dow had a stunning month, smashing everything else around (for once!) – however for diversity I would not put all of my money into just one index, so really its the VHYL/VWRL that matter to me. The VWRL is shooting up which isn’t really reflected in the Go T’ Pub performance. That said, overall across all my investments I was still up over 2% on the month – so continuing to tick up to my goal!
So not at all bad – the only one that is below the starting value is ISA 2 (my other half’s ISA) – but then if we add in the incomes it’s paid me out, that would be above the line. Overall, in 6 months this year, some generally good upwards ticking.
Where does this leave me on my target of 2025? Well, still not there, but another couple of months closer to the target date so definitely moving in the right direction – although caveat of the fact that the market continues to head upwards.
I have also recently started keeping a note of what my forecast liquid fund will be on my target FI date… in other words, how much can I get my hands on before my pensions are unlocked. Right now, it isn’t as high as I would like, so once my cash reserves are restored I will look to see how much I can increase my contributions to build that. Hopefully a pay rise will make that happen!
How was your October – still ticking up towards your goals?