Money

Net Worth and other updates – June 2019 (+£25k)

As the end of June 2019 has rolled past, it’s time to dig into the numbers, a little more promptly than the last few months. In summary, it’s been a quiet month at home getting lots of things done. And the markets have bounced back after last month’s changes.

How was June 2019?

Ms ZiYou Cattle

  • I had a full month of bliss and relaxation.
  • Well, obviously not real relaxation as I tend towards a Type A personality…
  • I got a lot of little things done, errands, fixing things around the house etc.
  • I’ve also been cooking a lot, making an effort to eat up my stockpile of food. I even made noodles. They were tasty, but not exactly even.
  • Chinese practise and movies are fitting into my days effortlessly and without hard deadlines, I’m finding it much more fun.
  • I’ve always got time to always get my 4 runs in a week, and can even time them to avoid the weather I don’t like – which lately has been the heat!
  • And my yoga game is improving with a major discovery – that it’s my tight calves preventing my heels touching in downwards dog. And so they are getting closer to touching the ground with the right stretching.
  • Podcast-listening and walking is a new combination to both get my steps in and explore the green belt right outside my front door. It’s amazing how much-undiscovered nature there is under my nose.
  • Moreover, I’ve been getting out into the countryside for long walks and gorgeous views. I’ll leave you with the wildflowers below to judge.

Ms ZiYou Wildflowers

No Travel!!!!!

For the first month is forever, there was no travel for me in June 2019. I stayed at home. My cat now knows who I am again. And truth be told, I’m not sure he loves having me around a lot. I crimp his style.

#theatreofthemonth

Back to normal here, with the best theatre being by one of my favourite playwrights Ibsen – a new production of Rosmerholm in the Duke of Yorks theatre.

Ms ZiYou Rosmerholm

I always love Ibsen’s work, he such a feminist and really stands out against his contemporary peers. And Rosmerholm did not disappoint, covering my favourite topics of female freedom, politics and religion.  I’ve no idea why the play is not staged more, but then again, maybe my tastes are more niche?

Overall the performance felt well put together – the set and staging were top class, especially with all the water at the end. The acting was great all round and it all came together very well. Highly recommended, especially if you love tales of the gentry turning radical, this is for you.

Spending

My rolling 12 months spending is at £22.1k, the same as last month despite a frugal June. Nothing at all interesting to report here, but I am keeping an eye on spending and aiming to keep in low in July, as I have a big trip coming up in August / September.

Show me the numbers

And now straight into the numbers: my figures for June 2019 (vs May) are:

  • Net Worth at £841k (+£25k)
  • FIRE fund at £587k  (+£24k)
    • Which is 78% to the £750k target
    • 26.7 x current annual expenses

June 2019 Numbers Deep Dive

Onwards to looking at the details. I like to see my country exposures and bond/stock ratios. It’s all looking much as expected. However, I am looking at those UK numbers and wondering if I have too much home bias?

Ms ZiYou Asset Allocation JUN2019

And the overall distribution between large and small, value and growth can be seen on the right. I like to have some small companies as well as the giant multinationals and am happy I have now got about 8% in small companies.

I always like to check my top 10 underlying holdings for any movement. This month we have Facebook in and Taiwan Semi out. And overall, no big changes here. And moreover, I don’t have a large exposure to any one company, although many companies fortunes are interlinked.

  • 1.54% Microsoft
  • 1.30% Apple
  • 1.18% Amazon
  • 1.00% HSBC
  • 0.91% Tencent
  • 0.86% Shell Class A
  • 0.85% Alibaba
  • 0.83% BP
  • 0.74% Shell Class B
  • 0.68% Facebook

And the trailing returns have oscillated back to healthy this month. Having said that, the biggest movers is a reduction in the 5 years annualised which I like to keep an eye on as a long term indicator.

  • 3 Months 5.05%
  • 6 Months 14.58%
  • 1 Year 7.14%
  • 3 Years Annualised 12.84%
  • 5 Years Annualised 12.03%

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 June 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.

 

 

14 comments on “Net Worth and other updates – June 2019 (+£25k)

    1. That is a good question – looking at the numbers it’s just that £600 extra home equity I have gained. I don’t count home equity in my FIRE fund, but do in my net worth.

      And yes, there is still a bit of money in the business account, for emergencies that hasn’t been included here as it doesn’t belong to me personally yet.

  1. Hi Ms ZiYou, congrats on another great month for you!! Glad you’re keeping up with the running and the theater. For me, June was momentous – my last month of work! I’m officially FIRE’d as of July 1st 🙂 though it doesn’t feel real yet. I think it will sink in more as time goes on.

    And as an American, I must say – may we have a clean game and may the best team win tonight at the women’s World Cup 🙂

    1. Congratulations on FIREing, it must be awesome. I’d love to hear more about your plans.

      And didn’t realise you would be supporting the other side for the football tonight!

      1. My 2 immediate priorities are 1) volunteer for/help the Democratic Party as much as possible until the 2020 presidential elections and 2) start doing the travel I never could do while working. Sorry to bring politics into the discussion here, but since you asked…

        Long term we’ll see. A lot will depend on the outcome of the election because I personally can’t fathom another 4 years of this horror show.

        Sorry for the outcome of the game tonight. But your response was very cute 🙂

        1. Politics are more than welcome here – and I fully commend you on that course of action. And yes, the world has become a horror show lately, which is very sad.

          Don’t worry about the game – I’m actually Scottish.

  2. Yeah June was a good month. Wondering.. you’ve got 94% of your fire fund in equities? Why not 80:20 or 60:40? Could you handle a 37% drop like 2008? Btw nice pic of wild flowers.

    1. It’s a conscious decision to go 95:5 as I like living life dangerously sometimes. I think I could handle the drop, but truth be told will only learn once it happens.

  3. 14.58% total return for the six months is a good result. We had a total return of 11.70%. We have more home (UK) bias than you which will have had an impact on that total return. We have more in the UK because dividends are higher in the UK and these help to support a draw-down based on natural yield.

    1. Thanks for reading getting minted. I think it’s been a good H1 for most people investing-wise. And those FTSE dividends are very attractive for drawdown!

What do you think?