Money

Net Worth and other updates – August 2019 (-£20k)

I made it to Canada (country number 46), Detroit and Hawaii. And my net worth didn’t suffer too much. No doubt that August 2019 was a great month overall. Theatre, travels and fun people made the month.

How was August 2019?

  • August was another relaxing month with no work. I really could get used to this and easily found ways to fill my time.
  • I did, however, have a second interview for a role that looks interesting. The interview went well and the people seem quite cool. And so it looks like I’ll be back to work in October.
  • I made it another year to the Edinburgh fringe. This year was rather an unexpected trip, and only a day but I’ll take what I can get. And all the shows we saw we good, much better than my previous ratio when there were some less good ones in the mix.
  • Also managed a trip up to Stratford-upon-Avon, which is one of my favourite places to visit as a diehard Shakespeare fan. Sadly the play we say was not very good, but the trip was still worth it.
  • My overall highlight of the month was my trip over the pond.

Travel

As someone who loves solo travel, I had a great trip to the Americas. My first visit to Canada went well, a whirlwind tour where I saw Montreal, Quebec and Toronto. I’m sad to report my French is so bad people always replied to me in English. I got my first sighting and hearing of Niagara Falls. And I was blown away by the magnitude.

Ms ZiYou Niagara Falls

Then I proceeded to Detroit. Such an underrated city that I shall write more about in the future. I pondered if taking #ruinporn pictures was bad, but decided since I was staying in the neighbourhood it was just about ok. I saw my first ever baseball game as the Detroit Tigers took on the Cleveland Indians. And they had veggie hot dogs and burgers.

Ms ZiYou Baseball

And then I got to use my first ever redemption of Airmiles. I’ve been collecting these for over 10 years and never been able to use them. After I was told they would expire this year, I made a plan to redeem them. And tried to do it in style. And so I went to Hawaii. My overarching view was Hawaii is such an amazing place. Expensive sure, but worth it. I visited two islands – the Big Island and Oahu, for two competing perspectives. Both were great, but in very different ways. More Hawaii posts to come.

Ms ZiYou Hawaii

And finally, before fincon I paid a flying visit to Phoenix for a long layover. Now as the temperature reached 43 degrees C it was shall we say rather warm. And thanks to twitter, I was able to meet a fellow FI blogger in the local area, Done by Forty, who was free and happy to hang out. I can confirm Baby AF is so adorable in real life.

#theatreofthemonth

My best theatre of the month was no doubt at the Edinburgh Fringe. My favourite performance was that of Bible John. I’m not usually one for serial killer themes – as basically why glamourise these sadistic men? However, this overcame my reservations by being a very feminist take on the murders. Moreover, it called out the terrible treatment of the victims by the media and the lackadaisical attitude of the police.  Very thought-provoking and well worth watching.

Spending

Looking at cash now, my rolling 12 months spending is still at £22.4k. I’m impressed with this, given the holiday spending (and I went to Hawaii). I’m keen to see how it evens out for the rest of the financial year. The ideal me wants to nudge it back under £22k to keep the numbers round. Let’s see if I can make that happen.

Show me the numbers

And now straight into the numbers: my figures for August 2019 (vs July) are:

  • Net Worth at £854k (-£20k)
  • FIRE fund at £591k  (-£20k)
    • Which is 78.7% to the £750k target
    • 26.8 x current annual expenses

August 2019 Numbers Deep Dive

In summary, some of July’s £32k gains have gone away again with the £20k loss this month. No big deal. And that is the narrative I always want to have with these drops. It’s expected and part of the lifecycle of investing in the markets.

Moreover, I wanted to analyse my thoughts on the touchy-feely side. Given I had no income coming in, and was away sipping Mai Tais on the beach, how would I take the drop? I’m pleased to report I felt comfortable with it. But I did know at the time that it’s likely I would be back in work soon. So I had that safety net in sight.

As usual, I have the details and graphics shamelessly stolen from my broker reports.

And the overall distribution between large and small, value and growth can be seen again on the right. I like to have some small companies as well as the giant and now have 9% of smaller companies which feels good and I plan to maintain.

I always like to check my top 10 underlying holdings for any movement. For August Facebook is in and Shell B is out of the Top 10.

  • 1.56% Microsoft
  • 1.42% Apple
  • 1.13% Amazon
  • 0.92% HSBC
  • 0.87% Alibaba
  • 0.87% Tencent
  • 0.75% BP
  • 0.75% Shell Class A
  • 0.72% Taiwan Semi
  • 0.67% Facebook

And the trailing returns

  • 3 Months 6.02%
  • 6 Months 9.44%
  • 1 Year 4.69%
  • 3 Years Annualised 10.78%
  • 5 Years Annualised 11.43%

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

  • 0.14%

Related Posts

Over to you

  • How about you?
  • How has August 2019 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 – August 2019 (-£20k)

    1. Thanks Adam – I am certainly making the most of this period not working.

      And as for a book – it’s an interesting idea, but not sure there is enough of a narrative for a book!

  1. Hi Ms ZiYou, kudos on another great month!! I’m so jealous, I’ve never been to Hawaii myself and so want to go 😛 I continue to be amazed at how low your spending is, considering all the travels you do. You put me to shame, for sure!!! August has been good for me, my 2nd full month as a FIREd newbie, and I started a 6-week long trip through Western Europe. It’s going well, and I loooove my lazy mornings… but it feels a bit disorienting to me at times 😊

      1. So far I’ve been to Portugal, Ireland, and the Netherlands. Nothing crazy, but they were all new to me, and I had a great time in all of them, Ireland the most (maybe because there was no language barrier? And also, the food is spectacular, even for a veggie – as good to me as London’s if I dare say so!). Next I’ll be in France for a bit, to see family, then back to Portugal for a surf camp (learning to surf is on my bucket list 😁), and then back to the US. But I’ll definitely be back soon, and for longer I hope 😃

        1. That sounds like an awesome trip! Next time you are over let me know, I’ve love to meet up with you one day 🙂 .

          And given you speak French I bet you get on much better than me. And yes, veggie food is slowly catching on finally in tiny places in Ireland.

          1. Ms ZiYou, for sure! I’d love to meet you too! Plus I’m crazy about London and I’m overdue for a trip back there anyway. I’ll definitely let you know 😊

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