It's time to start digging up those Squirrelled Nuts!!!!

Sea_Shell

Well that's been a rollercoaster month on the markets!!

Overall, our portfolio has ended the month down 6.1% from end December 21.    This is despite our 100% equities fund being down 15% from it's high point in mid-November.

However, we're still up 3.67% on last January, net of annual spends.    We're up 6.62% pre-spends.

Overall, we're back to where we were in April 21.

Spends for the month were £740.   It's a quiet month.


In other news, DH has requested his 25% TFLS from another Aviva pension, the balance of which will be put into drawdown in April.   We've got another £8,300 of cash to tide us over until then!!! (ex-emergency cash), so that TFLS can be re-invested in the ISAs.

quirkydeptless

Sea_Shell said:

Overall, we're back to where we were in April 21.

That's how I've been thinking about my, erm, nuts. The store is back to where it was last July, this is also the time I retired. So despite January having been as big a hit as one of the nasty covid drop months, I've still got pretty much what I had at the start of retirement having had a nice 6 months of it.

michaels

Sea_Shell said:

Well that's been a rollercoaster month on the markets!!

Overall, our portfolio has ended the month down 6.1% from end December 21.    This is despite our 100% equities fund being down 15% from it's high point in mid-November.

However, we're still up 3.67% on last January, net of annual spends.    We're up 6.62% pre-spends.

Overall, we're back to where we were in April 21.

Spends for the month were £740.   It's a quiet month.


In other news, DH has requested his 25% TFLS from another Aviva pension, the balance of which will be put into drawdown in April.   We've got another £8,300 of cash to tide us over until then!!! (ex-emergency cash), so that TFLS can be re-invested in the ISAs.

Actually you pot can by you 5.4%/7.5% (take your pick of inflation indicies) than it could have done a year ago

If that sort of decline happened annually for a few year sit would soon be looking pretty depleted.

Sorry to be the bringer of doom and gloom.

zagfles

michaels said:

Sea_Shell said:

Well that's been a rollercoaster month on the markets!!

Overall, our portfolio has ended the month down 6.1% from end December 21.    This is despite our 100% equities fund being down 15% from it's high point in mid-November.

However, we're still up 3.67% on last January, net of annual spends.    We're up 6.62% pre-spends.

Overall, we're back to where we were in April 21.

Spends for the month were £740.   It's a quiet month.


In other news, DH has requested his 25% TFLS from another Aviva pension, the balance of which will be put into drawdown in April.   We've got another £8,300 of cash to tide us over until then!!! (ex-emergency cash), so that TFLS can be re-invested in the ISAs.

Actually you pot can by you 5.4%/7.5% (take your pick of inflation indicies) than it could have done a year ago

If that sort of decline happened annually for a few year sit would soon be looking pretty depleted.

Sorry to be the bringer of doom and gloom.

Not really. The investments in the pot have approx kept up with inflation, spending of around 3% has reduced it. So if that continued long term (ie same returns, same withdrawals) the pot would last about 33 years.

Sea_Shell

Finally, a £25 win on the PBs.   (on £40k holding)

Still "behind the curve" but better than nothing!!! 


Off to the dentist this morning...having a crown prepped.     Nervous!!! 

quirkydeptless

Sea_Shell said:

Off to the dentist this morning...having a crown prepped.     Nervous!!! 

.........

Sea_Shell

That's made me smile...thankyou. 

Time4T_Accounts

Sea_Shell said:

Finally, a £25 win on the PBs.   (on £40k holding)

Still "behind the curve" but better than nothing!!! 


Off to the dentist this morning...having a crown prepped.     Nervous!!! 

Nervous about the effect on the mouth? ... or the bank balance?!!

Audaxer

Sea_Shell said:

Finally, a £25 win on the PBs.   (on £40k holding)

Still "behind the curve" but better than nothing!!! 


Off to the dentist this morning...having a crown prepped.     Nervous!!! 

And investments look as if they are starting to recover a bit 

Good luck at the dentist.

Sea_Shell

Steve_PL_too said:

Sea_Shell said:

Finally, a £25 win on the PBs.   (on £40k holding)

Still "behind the curve" but better than nothing!!! 


Off to the dentist this morning...having a crown prepped.     Nervous!!! 

Nervous about the effect on the mouth? ... or the bank balance?!!

Was worried about it solving the problem, not cost, as actually with an NHS dentist!!

As it turned out, he didn't feel, on balance that a crown was the best option, so I've had a big filling instead.

Trying not to dribble everywhere now! 😂