Money

Net Worth and other updates – April 2019 (+£21k)

Belated arriving is my April update – I did debate combining into May’s but since a lot has happened and I love the simplicity of a chronological record here we go!

As expected there is travel, running and financial updates with real numbers.

How was April?

  • How do you see April? As the start of Spring? In my mind, it’s a prequel to summer, and a time to enjoy life. Which is something I’ll be doing more of, as after April my contract has completed and I’ll not be rushing to find a new contract role.
  • And my Chinese course ramped up for the last few weeks. Lots of homework and studying to get done for my exams in May, proving much more time consuming than I expected. Yet it is so rewarding when I finally get it, and things start to make sense.
  • On the running front, another slow marathon completed! I’m certainly not getting any faster, but boy I am not half determined and keep on going. More importantly, it is still fun – and that’s what it is all about for me.
  • Volunteering is also busy; spending time recruiting new senior staff is really important and really interesting. Not to mention the hardest part is the decision by committee. However, I am pleased to report that I have influenced everyone to my point of view, and we’ll be recruiting both my first and second choice.

Travel

  • Ms ZiYou Toulouse

    April’s travel was over the channel in France for Easter basing myself in Toulouse. The aim was to see a new part of France and enjoy the bank holiday. Toulouse itself was a small yet interesting city. Not to mention the simple joy of running along the Canal de Midi.

  • Ms ZiYou Toulouse I got more acquainted with tear gas than I ever expected as I ran into the Gilet Jeunes and obviously wanted to take a few pictures.
  • I hadn’t realised initially that the French police were uber liberal with the tear gas. As it didn’t feel good, after snapping a few pictures I moved away and went back behind the police line away from the protestors.
  • Ms ZiYou AlbiIt’s not a holiday without a day trip or two. I went out to see Albi, one of the prettiest little towns ever. Just look at the picture.
  • In addition, I got to tick off another micro country in Andorra. Truth be told, Andorra was pretty scenic (snowy mountains) but just not that interesting. I was glad I was only visiting it as a day trip.

#theatreofthemonth

Without a doubt, my best theatre of the month was having the pleasure to see Dame Maggie Smith in A German Life, at the Bridge Theatre. A+++.

Ms ZiYou A German Life

What made it so awesome? Apart from the top-notch acting, I loved the story about a lady who was a government secretary to the Nazis and survived. Probes into how much she knew, and moreover how she justified her actions so she could live with them.

Confession time: I didn’t even want to see this play, as I find Nazi stories really dark and depressing. But given the A list cast, I acquiesced on my fears, and I am so glad I did!

Spending

For the last 12 months, my spending is coming in at £21.9k which gives me that rounded up to 80% savings rate.  Nothing more to say here, it’s all been just automated here really.

Show me the numbers

Straight into the numbers: my figures for April (vs March ) are:

  • Net Worth at £828k (+£21k)
  • FIRE fund at £575k  (+£30k)
    • Which is 76% to the £750k target
    • 26.1 x current annual expenses

Wow, a good months performance, both a good month for income and a good month for the stock market. My planets have collided in a very beneficial way. Not to mention I am now over the “rule of thumb” of 25 x annual expenditure.

Digging into the stats (geek alert) I aim for a 95 stock / 5 bond split and still in the right ballpark here. Then for the country allocations –  they are looking as expected – heavy on US, China and Asia. And I remain overweight in the UK but am gradually reducing this naturally.

Ms ZIYou Asset Allocation MAY2019

I always like to check my top 10 underlying holdings for any movement. For April we have no movement in the list, just some small variation in the underlying numbers.

  • 1.47% Microsoft
  • 1.35% Apple
  • 1.18% Amazon
  • 1.04% Tencent
  • 1.02% HSBC
  • 0.89% Alibaba
  • 0.83% BP
  • 0.82% Shell Class A
  • 0.76% Taiwan Semi
  • 0.69% Samsung

And onto my portfolio’s returns, with a strong performance in April bringing all the trailing returns back to positive. Now despite the fluctuations over the last few years, the long term annualised 3 and 5 year returns are still looking very strong.

  • 3 Months 7.12%
  • 6 Months 7.10%
  • 1 Year 7.75%
  • 3 Years Annualised 15.57%
  • 5 Years Annualised 12.09%

Next, on the fund charges, the weighted aggregate charge of all my holdings is slightly down at:

  • 0.14%

Related Posts

Over to you

  • How about you?
  • How has April been for you personally?
  • And numbers wise?

Thank you for reading – please leave a comment below and join in the conversation. You can also connect on Twitter or contact me privately.

 

 

10 comments on “Net Worth and other updates – April 2019 (+£21k)

    1. Thanks GFF – that’s an interesting way of framing it – I like it!

      As for May, those figures are coming, and let’s just say there are not quite as good…

  1. Those are some awesome number, Ms. ZiYou. Congratulations for getting to the 4% rule! We’re not QUITE there yet, but that’s my own damn fault: we hit our FI number from back when I established the goal, but then upped our spending. Time to move those goal posts!

    Best of luck with your finances and the upcoming elections, too. 🙂

    1. Hi DBF – ah yeah, I am often a fan of moving the goalposts as well!

      Elections? Sadly we have no elections, just the coronation of a new PM by the Tory party. Sigh.

  2. Sounds like you had a nice holiday, tear gas notwithstanding.

    My April… Gosh, I barely remember it. But as I recall, I didn’t quite hit my goal (50% savings rate between paying extra on my mortgage and putting money into savings/retirement accounts) but came awfully close. Sometimes that’s all you can ask for.

    1. Hi Abigail, I think I just like to be dramatic with the tear gas, all was fine.

      Completely agree, sometimes close enough is all you can ask for – and it sounds like you did just that. Numbers are arbitrary in some cases.

    1. Thanks Angela – sadly not really FI as have locked pension, but it’s good to note I’m near.

      And here’s to slow runners – I’m sure there are many of us out there.

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