Feb ’18 Performance

So the month has ended and a bit more volatility than we have seen for a while (or is it just that it’s gone down for once?). So how have the investments fared this month? 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, what did February do for me? Firstly, I realised how poor the table looked in the browser, I will try and fix that at some point, although I could claim that is almost DIY so it will never get done!

Portfolio Performance Notes
Company Pension -2.45% No income generated as all funds are in growth or reinvested
Personal Pension -1.73% No income generated as all funds are in growth or reinvested
ISA 1 -2.20% No income generated as all funds are in growth or reinvested
ISA 2 -2.13% The performance does not include the income that was paid out into my account
ISA 3 -2.92% 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 -1.30% Go T’ Pub ISA
FTSE-100 -4.00% This excludes any dividends
FTSE-250 -2.75% This excludes any dividends
FTSE-All -3.77% This excludes any dividends
S&P500 -3.30% This excludes any dividends
Dow Jones -3.74% This excludes any dividends
VWRL -0.62%
VHYL -1.59%
GBP/USD -2.95% 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 a lot of negative numbers there… despite what it looks like with VWRL and VHYL the GTP ISA is showing it is quite a difference.

Even worse for me, with all the negatives, and with all the funds I put in, the overall absolute number is also down on last month. The advantage of recording every month over the last few years is that I can look back and see that actually this is the 6th time this has happened. So it isn’t as unusual as I thought it was. It softens the blow, and I keep telling myself I am buying more of the same for a lower price which helps me in the longer run, but that doesn’t make it any easier!

So not really an interesting month other than seeing the values drop. I continue to put money into my accounts, and watch them automatically buy my future freedom (or at least a very small part of it).

Onwards and upwards for next month!

So, what does that look like in pretty pictures?

201802PerfGraph

So VWRL is just a fraction ahead of my IFA managed pension, with the clear losers being VHYL and ISA 2 – however ISA 2 also pays out a lot of dividends and so my assumption is limited overall growth. The short answer is, I am not too fussed strangely… money is going in, and the assets are building up.

All in all, despite the disappointment of a lower number, it is still going the right way so I will cope with it.

How have you coped with the surprise drops this month?

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Author: fireinlondon

Fighting the high cost of living in London

5 thoughts on “Feb ’18 Performance”

  1. We all knew it was coming but for me finally getting my head round that my isa is just my pension in reverse helped alot. I’m 100% equities so both my pension and my isa dropped 10% in Jan and Feb. So that’s 2500 off my isa but 10 grand off my pension! In that context my isa didn’t bother me which was good I bunged in a bit extra and increased my monthly amount. It definitely helps having a decent amount of cash to fall back on. I may look to increase my cash amount as I’ve really just got an emergency fund and should really be saving for things like changing cars and other short terms bits and bobs. I’m fortunate things like holidays basically come out of monthly salary. This is really where having a high income definitely helps I find. You don’t need to ‘save’ as such for smaller outlays like this

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    1. Hi FBAB,
      Thanks as always for stopping by 🙂 Yes – once you start to treat the ISA as a pension it makes it a little easier (I don’t for the GTP ISA, but that’s a different story!). The drop can hurt, especially as your networth goes up you start seeing some quite hefty swings in there, I just try to ignore it and think that I will be buying more units!
      I actually don’t have that much cash to fall back on but as you say the high income helps so my biggest risk really is becoming unemployed, and hopefully not very likely so hence I throw all I can into ISAs and pensions….
      Good luck on topping up! 🙂
      FiL

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  2. Hard to look at the negative numbers but as you say, during the course of your investing, this shouldn’t be unusual. Both my ISA and SIPP dropped a little but not significantly. Part of me wants to see a bigger drop, not because I want to do the proverbial ‘be greedy when others are fearful’ but I’d rather the big correction happen sooner rather than later, when it’ll be closer to my ER date!

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    1. Hi Weenie,
      Yes never nice to see the number go down, however as you say the more it goes down sooner the more we can all buy in at a cheaper price. I can’t wait for a bit more of a drop in prices to be able to stock up and turbo boost the savings, but to be honest just keep ticking in the funds and I know I will get there in the end regardless 🙂
      Cheers,

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