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?
|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|
|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?
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?