As another month draws to a close, it’s time to evaluate September. How did I do this month? Did I have fun? And am I leading the life I want to?
Moreover, was it a good month financially? How are the markets reacting to all this Brexit uncertainty? I can’t believe we leave the EU in less than 6 months and absolutely nothing has been agreed yet <sigh>.
How was September?
- September seems to have flown past – I’ve not been away but have had a few weekend long days out which have been awesome. Always good to get out of the London echo chamber for some perspective.
- Furthermore, I’ve been finding lately my focus is moving away from the day job, which just pays the bills, to more enriching volunteer work. And it’s been a fabulous month for getting involved in things that really make a difference.
- On the less good side, I’ve been slacking on my running lately which is not great. I need to get back on track and start getting my workout in regularly no matter what. The marathon is not going to run itself.
- And the His and Her FI Podcast interviewed me – covering my favourite money and feminism topics. I absolutely love to speak to people about these topics – it’s such great fun and Bethany and Charles are awesome hosts. And they have some cool guests on there too.
- Furthermore, I’ve been featured in Andy Hill’s Marriage Kids and Money Young Millionaires series, where I get asked a lot more money questions than usual. I share what has helped me become a (dollar) millionaire in my 30’s.
- UK FI POD – my UK financial independence podcast has launched – and people are actually listening! I have three episodes out there in the ether waiting for you to listen right now on any podcast player of your choice. And much more to come – if you are interested in being interviewed please reach out.
The best theatre to enjoy with your fellow STEM theatre geek friends? Let me recommend Copenhagen, a fascinating play combining politics and physics. It tells us the stories of German physicist Werner Heisenberg and his Danish colleague Niels Bohr.
They find themselves on opposite sides of the war and the frankly scary race to make atomic bombs a reality. Perhaps a dry subject, but a fascinating play nonetheless. Highly recommended (if you like physics talk).
Moving on to look at my expenses, September was a little spendier than normal. This was due to my car needing some work. Also, I booked another trip away. I’m taking my mum to Budapest for her birthday. It will certainly be awesome to see the city again – nearly 20 years after I originally visited. Nonetheless, my annual spending is holding around £20.8k which I feel is still respectable.
Show me the numbers
Straight into the numbers: my figures for September (vs August) are:
- Net Worth at £783k (+£4k)
- FIRE fund at £523k (+£3k)
- Which is 70% to the £750k target
- 23.8 x current annual expenses
Yet again the numbers increase, both from income and market gains. I would say that nowadays market swings can be big – and I’m feeling how the markets end the month does not tell the full story.
As my portfolio has increased and Brexit causes turmoil I can swing +/- £7k in a day either way. Which is a massive number and something I’m working on getting comfortable with.
Every month I like to check my country allocations – and again this month I see nothing untoward, all looking as expected here – UK slowly decreasing and US / China increasing.
And the movement I’ve desired has happened in my top 10 underlying holdings – the sin stock British American Tobacco is banished, at least temporarily. And has been replaced with the more palatable Samsung. Welcome, Samsung.
- 1.63% Apple
- 1.38% Microsoft
- 1.30% Amazon.com
- 1.09% HSBC
- 0.96% Royal Dutch Shell PLC Class A
- 0.92% BP
- 0.80% Royal Dutch Shell PLC B
- 0.78% Tencent Holdings Ltd
- 0.71% Taiwan Semiconductor
- 0.67% Samsung
And now looking at the performance of my portfolio. There have been a few tweaks, but still a global passive portfolio. The recent drop in performance is interesting but mainly currency related.
- 3 Months 3.31%
- 6 Months 6.07%
- 1 Year 8.89%
- 3 Years Annualised 17.66%
- 5 Years Annualised 13.11%
Next, on the charges, the weighted aggregate charge of all my holdings is back up to
Over to you
- How about you?
- How has September been for you personally?
- And numbers wise?