So January has finished, Christmas is but a distant memory – so how does it look? A hangover January? The month has screamed past with work being insanely busy meaning I only had 1 day completely off work since the 2nd January – but then I do enjoy it as it really gives me something to get my teeth into.
|Company Pension||0.35%||No income generated as all funds are in growth or reinvested|
|Personal Pension||0.78%||No income generated as all funds are in growth or reinvested|
|ISA 1||0.21%||No income generated as all funds are in growth or reinvested|
|ISA 2||-0.41%||The performance does not include the income that was paid out into my account, and was another very good month of payouts!|
|ISA 3||-1.56%||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||-1.20%||Go T’ Pub ISA|
|FTSE-100||0.14%||This excludes any dividends|
|FTSE-250||0.38%||This excludes any dividends|
|FTSE-All||-1.99%||This excludes any dividends|
|S&P500||5.86%||This excludes any dividends|
|Dow Jones||6.11%||This excludes any dividends|
|GBP/USD||4.89%||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 what to make of all this?
The obvious one for me is the strengthening of the pound – which explains why the US Markets powered up but everything else went down!
I am continued to be surprised that, despite the fees, my IFA is powering up on the returns (no I am not plugging him!) – which slightly grates as I want to show I can do better!
Despite all the negatives in there, the nice thing is that the absolute amount is still going up. Slowly but surely I am getting there. Putting it all into pretty pictures, it is something like this:
So amazingly after 9 months my IFA has given the best returns, even after fees, although my personal managed ISA and VWRL not that far behind. ISA 2 continues to lag the field, but then it was mostly designed to generate income and pay out (helping me further pay down the mortgage).
So not a lot to really shout about – the main thing is money goes in, invests and some comes out. The total amount is still increasing so I can be happy with the fire and forget approach.
Update: I forgot to add one of my targets – losing weight. Unbelievably I have managed to lose 1 stone since January 1st. I put this mostly down to reduction of the alcohol consumption although reducing my food intake slightly has also helped. That’s the easy win though, I think the next stone will be harder….
How was your January?