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!
|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|
|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?
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?