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 March do for me? I was feeling very positive until the drops started kicking in at the back end of the month, but that said it means my GTP ISA will buy more!
|Company Pension||-1.55%||No income generated as all funds are in growth or reinvested|
|Personal Pension||-3.94%||No income generated as all funds are in growth or reinvested|
|ISA 1||-2.55%||No income generated as all funds are in growth or reinvested|
|ISA 2||-2.97%||The performance does not include the income that was paid out into my account|
|ISA 3||0.01%||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||-2.74%||Go T’ Pub ISA|
|FTSE-100||-2.42%||This excludes any dividends|
|FTSE-250||-1.15%||This excludes any dividends|
|FTSE-All||-2.20%||This excludes any dividends|
|S&P500||-3.50%||This excludes any dividends|
|Dow Jones||-4.54%||This excludes any dividends|
|GBP/USD||2.07%||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 for the second month in a row. This puts me back to pretty much the same value I had back in November. Whilst a little depressing, I am still in wealth building mode so it just means I can buy more while they are cheap – something I have been waiting for since the bull market started so very long ago!
The one shining surprise in all this was my self managed ISA. Whilst 0.01% increase isn’t anything to shout about, the fact that it remained positive despite the large drops everywhere else. This was despite a shortfall in the dividends this month from the same time last year – attributable to the fact that I sold some of my stock that paid out, and the change in the GBP/USD exchange rate meant dividends were smaller.
Last summers rebalance of ISA 3 is now working its way through the numbers so I think I have mostly taken the hit on lower dividends, but the lower volatility is also helping.
Oh well, as I am currently not reliant on them I can continue to reinvest.
Although ISA2 looks very bad, it is continuing to pay out a steadily growing income stream
So, what does this look like in pretty pictures?
So almost a year on and £10,000 invested wouldn’t have shown that much growth when you keep hearing about the historic returns. Just do remember that these figures banded about are average over years.
My forecasts still show that I will not hit the number I need by June 2025 however that is based on 4% growth and no increase in savings, something which I have changed. Increasing the payments into my other half’s ISA and hopefully also my GTP ISA that will soon make up the shortfall.
And what of my other non financial performance? Well I am pleased to say that the stone of weight that I lost has so far stayed off and seems to have balanced, however I haven’t yet managed to shake any further but I am hoping that I will get below the magic 14 stone soon…
How was your March? Were you caught in the falling market or did you buy more?