Oct ’18 Performance

So October came and went – but did the portfolio? I have to admit I did check it a few times with all the moving around that was going on – but I had to laugh at all the hype in the press about the “crash” and “billions wiped off” etc. etc.

Seriously? It’s only wiped off if you have to sell – and what about the profits people made before this? Anyway…

As I covered in my β€œHow 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 πŸ™‚

Perf. Notes
Company Pension -5.10% No income generated as all funds are in growth or reinvested
Personal Pension -5.97% No income generated as all funds are in growth or reinvested
ISA 1 -4.03% No income generated as all funds are in growth or reinvested
ISA 2 -5.13% The performance does not include the income that was paid out into my account
ISA 3 -5.60% 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 -4.99% Go T’ Pub ISA
FTSE-100 -5.09% This excludes any dividends
FTSE-250 -6.84% This excludes any dividends
FTSE-All -5.42% This excludes any dividends
S&P500 -6.23% This excludes any dividends
Dow Jones -4.44% This excludes any dividends
VWRL -5.54%
VHYL -3.86%
GBP/USD -1.96% 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 πŸ™‚

So what to make of it all? Surprisingly everything came down pretty evenly – the surprise being the VHYL didn’t drop as much as others.

Am I worried? Nope – the dividends still paid out, I still bought more units and I still think markets are high. Am I going to change anything? Nope.

Did it hurt to see the amount of actual Β£’s disappear off my networth? Yes… but again it simply means that anything I do buy I buy more of so as I am still growing my networth, now is not the time to worry.

Onwards and upwards – or in this case at least, onwards!


Author: fireinlondon

Fighting the high cost of living in London

One thought on “Oct ’18 Performance”

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