Nov ’17 Performance

So the month has ended (a little while ago, apologies for the tardy post), 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 🙂

So November was an unusual month in terms of performance as I checked the progress through the month so little compared to usual it has, for once, been an unknown to see how it has panned out..

So, what did November do to the portfolios?

Portfolio Performance Notes
Company Pension 0.60% No income generated as all funds are in growth or reinvested
Personal Pension 0.62% No income generated as all funds are in growth or reinvested
ISA 1 -0.48% No income generated as all funds are in growth or reinvested
ISA 2 -0.36% 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 -1.47% 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.
ISA 4 -0.58% Go T’ Pub ISA
FTSE-100 -2.22% This excludes any dividends
FTSE-250 -1.36% This excludes any dividends
FTSE-All -2.04% This excludes any dividends
S&P500 2.81% This excludes any dividends
Dow Jones 3.83% This excludes any dividends
VWRL 0.12%
VHYL -0.20%
GBP/USD 1.89% 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 the US markets continue to go up and up and up – although this isn’t really reflected in the Go T’ Pub ISA. Despite the fact that everything is down performance wise, the actual £ amount is still going up so I can’t complain too much. Given the way December is going as well makes me think that there is a slight slump underway which means I can buy more for the same price!

So overall, how is this doing in a pretty graph?

Nov17Perf

So my self managed ISA is just holding in, but the pension my IFA manages is closing in fast. ISA 2 looks bad, but then if I add in all the income it has paid out so far this year then it wouldn’t look so bad… either way they are all up so I am happy!

Thinking about 2025… well I am still not there in my forecasts sadly but it hasn’t gone any further out, so that is something! I have also started to forecast what my liquid total (i.e. ISAs) will be on that date which is quite interesting, not a huge variety since then but a reasonable chunk of change in there. I would like to increase it by about 50% on what is forecast, but then if I hit that then I wouldn’t need my pension!

How was your November performance?

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Author: fireinlondon

Fighting the high cost of living in London

5 thoughts on “Nov ’17 Performance”

  1. Merry Christmas fireinlondon

    I’ve really enjoyed reading your blog and the chap at firevlondon(which I stumbled across by mistake coming to this site lol) to get another perspective this year.
    I Continue my slow and steady journey towards fire. I decided to put 50% of my bonus in my pension for January saving 4k in tax and take the other 50%. My future self will thank me!
    I was tempted to put it all in but wanted to increase my non pension net worth and also have some fun with some of it. Also even at this early stage I’m conscious that even on my standard contributions I’ll be butting up against the current lifetime allowance by the time I’m 55m hopefully they’ll have got rid of that by then

    Liked by 1 person

    1. Hi FBAB,
      Merry Christmas to you too! The more blogs you read the more you can find out what could (or couldnt!) work for you – one of the reasons I read so many when I first started – but glad you have enjoyed it – hopefully you will continue to!
      Well done on putting aside at 50% of your bonus, and always good to have some fun money too so its a good balance. My problem is it’s almost impossible to predict where you will end up against the LTA – I am hammering it now for the tax breaks and utilising my carryover but I know after next tax year that has all gone and I will be hit hard on the tax – such is life!
      Enjoy the spending – have you decided what to spend it on yet? 🙂
      Cheers,
      FiL

      Like

      1. A little bit on a holiday and the rest invested saved towards a new kitchen. my larger bonus is in 2 years at 38000 and I’ll probably put the lot into my pension unless I need it. I assume hmrc automatically know that although I’ll be above 40k I have unused allowance from other years do they?or is there a form I need to fill in

        Like

        1. Hi FBAB,
          Nice – can be good to get some of the home improvements done, after all we spend a lot of time in our homes!
          If you are putting any money into a pension after its been paid to you then you should fill in a self assessment form – this flags carry over, and allows you to reclaim the tax… never assume the HMRC know anything in your favour 🙂

          Like

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