Apologies to my readers that I haven't written anything after my 2018 performance article. I started a regulated role in February 2019 and decided to cease writing about my investing, to avoid potential complications with my current employer. I also was a bit inactive last year, since I was studying for the CFA Level 3 …

# Category: Performance

# 2018 Performance: -3.23%

Considering the FTSE 100 slid about -11.50% and the FTSE 250 went down almost -15%, I'm not too unhappy with my performance for 2018. My quarterly returns were: Q1: -1.09% Q2: 7.43% Q3: -5.27% Q4: -1.89% If I just took an average of these to calculate my yearly return, the result would be -0.82%. Unfortunately, …

# 2018 Q4 Performance: -1.89%

I started this quarter with £7,232.96 in my ISA, of which £7,050 were contributions and £182.96 were profit. I put in £3,200 more, bringing my total contributions to £10,250, and ended the quarter with £10,266.24, a profit of £16.24 from my investments (down £166.72 since the previous quarter). Inputting all the above details into excel …

# 2018 Q3 Performance: -5.27%

I started this quarter with £4,512.28 in my ISA, of which £4,050 were contributions and £462.28 were profit. I put in £3,000 more, bringing my total contributions to £7,050, and ended the quarter with £7,232.96, a profit of £182.96 from my investments (down £279.32 since the previous quarter). Inputting all the above details into excel …

# 2018 Q2 Performance: 7.43%

I started this quarter with £3,705.42 in my ISA, of which £3,550 were contributions and £155.42 were profit. I put in £500 more, bringing my total contributions to £4,050, and ended the quarter with £4,512.28, a £462.28 profit from my investments (up £306.86 since the previous quarter). Inputting all the above details into excel and using …

# 2018 Q1 Performance: -1.09%

I started this quarter with £2,687.30 in my ISA, of which £187.30 was profit over contributions totalling £2,500, and with about 25% of my funds still in cash. I put in £1,050 more, bringing my total contributions to £3,550, and ended the quarter with £3,705.42, a £155.42 profit from my investments (down £31.88 from the …

# First dividend payment

This Monday, January 26, Dixons Carphone paid an interim dividend of 3.5p per share. Since I own 400 shares, I received £14 in my ISA (3.5p * 400 = 1,400p = £14). In 2017 the company paid an interim dividend of 3.5p in January and a preliminary dividend of 7.75p in September, for a total dividend of …

# 2017 Performance: 9.10%

A return of 7.26% in the last quarter of 2017 is great! But what was my return for the whole year? Using XIRR to calculate my compounded annual growth rate gets me 13.17% (this would have been my return if I had invested for the full year). But I opened my ISA only on April 19, 2017, making it …

# 2017 Q4 Performance: 7.26%

I started this quarter with £2,360.68 in my ISA, having only invested in Provident Financial and being about 75% in cash. I put in £150 more (bringing my total contributions to date to £2,500) and ended the quarter with £2,687.30, a £187.30 profit from my investments. Using XIRR, as in my last performance article, I get a CAGR (Compound …

# 2017 Q3 Performance: 0.49%

I started this quarter with £2,100 in my ISA, added £250 more, and yesterday I had £2,360.78 in my account. The only investment I made this quarter, and since starting this ISA, was buying 75 shares of Provident Financial on August 24 for a total of £612.10, which are now worth £622.88, a profit of £10.78 and a …