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 “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 🙂

	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 🙂

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 £’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!

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Sep ’18 Performance

So September flew by with a holiday meaning I hardly checked my portfolio all month and, you may not believe this, but it made absolutely no difference!

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 🙂

	Perf.	Notes
Company Pension	-0.86%	No income generated as all funds are in growth or reinvested
Personal Pension	-2.12%	No income generated as all funds are in growth or reinvested
ISA 1	-0.38%	No income generated as all funds are in growth or reinvested
ISA 2	-1.00%	The performance does not include the income that was paid out into my account
ISA 3	1.69%	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	0.02%	Go T’ Pub ISA
FTSE-100	1.05%	This excludes any dividends
FTSE-250	-1.85%	This excludes any dividends
FTSE-All	0.53%	This excludes any dividends
S&P500	0.41%	This excludes any dividends
Dow Jones	1.90%	This excludes any dividends
VWRL	-0.17%
VHYL	-0.06%
GBP/USD	0.58%	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 what to make of it all? Pretty much nothing to see as things just plod along apart from my IFA managed pension, which plummeted (not a surprise given the markets and where this is invested), and my ISA seems to do ok.

Things just tick along, money goes in, dividends pay out, and the slow progress just keeps going on. I still have a long way to go to make the FI point, but it keeps going.

How was your September?

Aug ’18 Performance

So I am still playing catch up and giving August’s performance when I should be giving September but please do forgive me..I need to hurry things along!

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 🙂

‘folio	Perf.	Notes
Company Pension	0.97%	No income generated as all funds are in growth or reinvested
Personal Pension	-0.09%	No income generated as all funds are in growth or reinvested
ISA 1	-0.57%	No income generated as all funds are in growth or reinvested
ISA 2	-0.32%	The performance does not include the income that was paid out into my account
ISA 3	-0.72%	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	0.62%	Go T’ Pub ISA
FTSE-100	-4.08%	This excludes any dividends
FTSE-250	-0.90%	This excludes any dividends
FTSE-All	-3.46%	This excludes any dividends
S&P500	2.98%	This excludes any dividends
Dow Jones	2.12%	This excludes any dividends
VWRL	1.35%
VHYL	6.08%
GBP/USD	-1.29%	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 what to make of it all? Drops across the board outside of the US. Not great, but means I get to buy a little more for all my direct debits (in theory!).

Whilst I never like to see my investments not performing, I really am not worried at present, the more and more I can buy the better.

To be honest, not a lot to see – keep throwing money in, and wait for time to do its magic!

 

Jul ’18 Performance

I can’t believe I am almost at the end of August and I have only now got around to getting this posted – I must do better! On the flip side of all of that, I really didn’t keep much attention to what was going on once again. Everything is on autopilot – my actively managed ISA is just building up cash so really there isn’t much to do. Life can be good!

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 🙂

‘folio	Perf.	Notes
Company Pension	2.64%	No income generated as all funds are in growth or reinvested
Personal Pension	2.60%	No income generated as all funds are in growth or reinvested
ISA 1	1.30%	No income generated as all funds are in growth or reinvested
ISA 2	0.80%	The performance does not include the income that was paid out into my account
ISA 3	1.39%	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	2.86%	Go T’ Pub ISA
FTSE-100	1.46%	This excludes any dividends
FTSE-250	0.23%	This excludes any dividends
FTSE-All	1.22%	This excludes any dividends
S&P500	3.65%	This excludes any dividends
Dow Jones	4.75%	This excludes any dividends
VWRL	3.28%
VHYL	-2.73%
GBP/USD	-0.63%	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.comfor consistency and real life 🙂

So, the US continues its upwards path, the pound slipped a little, and all my various portfolios went up a bit in value. Nice.

So my IFA beat me this month, but then he is more heavily US based (with the exception of GTP).

Really a very boring month. Money goes in. Money buys stuff. Money produces more money. Pot goes up. No magic (sadly), no 100 baggers making me an overnight millionaire (sadly, again), but the slow and steady inevitable climb towards retirement continues. Bring it on!

Cheers

Note: For those of you in either the FI London or FI UK Facebook groups, and for those note, there is another FI Meet up planned on the 19th October in central London. Estimates at the last meet up was that around 100 people turned up (of which I only got to chat to a very small fraction) – please do come along, bring a friend as well if you so want!

Jun ’18 Performance

So a chance to take a look back at the performance across the board for June.

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 🙂

‘folio	Perf.	Notes
Company Pension	0.38%	No income generated as all funds are in growth or reinvested
Personal Pension	-0.31%	No income generated as all funds are in growth or reinvested
ISA 1	0.07%	No income generated as all funds are in growth or reinvested
ISA 2	-0.41%	The performance does not include the income that was paid out into my account
ISA 3	0.16%	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	-0.32%	Go T’ Pub ISA
FTSE-100	-0.54%	This excludes any dividends
FTSE-250	-0.07%	This excludes any dividends
FTSE-All	-0.47%	This excludes any dividends
S&P500	0.09%	This excludes any dividends
Dow Jones	-0.86%	This excludes any dividends
VWRL	-0.26%
VHYL	-1.02%
GBP/USD	-0.63%	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.comfor consistency and real life 🙂

So, really a completely uneventful month. There really isn’t much to say other than continuing to tick along, with money dropping in to the investments, and off we go!

Really a very boring month!

Note: If you are in London this week there is another FI Meetup on Thursday evening, if you are interested, head over to the FB site and find us!