So a bit later than normal(to put it mildly, I do apologise!), a chance to look back at the performance and see how things went in April. I actually couldn’t tell you what I thought the markets did over the month as it flew by, although that could potentially be a good thing! 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 🙂
|Company Pension||1.25%||No income generated as all funds are in growth or reinvested|
|Personal Pension||3.11%||No income generated as all funds are in growth or reinvested|
|ISA 1||4.33%||No income generated as all funds are in growth or reinvested|
|ISA 2||2.70%||The performance does not include the income that was paid out into my account|
|ISA 3||4.80%||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||3.55%||Go T’ Pub ISA|
|FTSE-100||6.42%||This excludes any dividends|
|FTSE-250||4.24%||This excludes any dividends|
|FTSE-All||6.00%||This excludes any dividends|
|S&P500||0.57%||This excludes any dividends|
|Dow Jones||0.55%||This excludes any dividends|
|GBP/USD||-2.13%||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 apart from the drop in the GBP/USD (which may account for some of the VWRL/VHYL going up) a lot of reasonably positive numbers.
A very good month for the FTSE-100 and All Share, top of the performance on my side, once again, was my actively managed ISA. I am not quite sure how given that I have been moving this into more trackers and Investment Trusts, but there you go. I will definitely not complain!
My IFA doesn’t seem to be fairing too badly – last month he didn’t lose as much as the markets, this month he didn’t generate as good a return as the FTSE 100 or All, but still beat most of the rest. I guess capital preservation and some growth is working well here. That said the IFA Pension is slightly skewed by my bonus (plus tax relief) going in mid April which in theory would account for some of the delayed performance. Had I not added this then maybe he would have had a more favourable performance, but it is what it is.
Overall, not a bad month – the total value of the portfolios (and so NetWorth) continue their rise, and looking back on this number compared to 12 months ago (a great advantage of monthly tracking) I really can’t believe what a good position I am in right now – the joy of steady but constant savings over the years.
How was your April performance?