Net Worth

Net Worth Update – August/September 2018

So it’s time to check up on whether HTSC’s net worth has increased or decreased in August/September 2018. I’m going to leave the previous years net worth numbers in these updates so we can see that (hopefully) everything is headed in the right direction. 

The HTSC portfolio can be found here and a round up of 2017 can be found here.

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

Net Worth

Month Net Worth % To Target
2017 2018
January 5.21 6.30
February 5.39 6.33
March 5.85 6.34
April 6.09 6.57
May 6.39 6.87
June 6.52 6.96
July 6.62 7.30
August 6.86 7.45
September 7.01 7.54
October 5.85
November 5.97
December 6.23

Once again it’s been a good couple of months with that spare cash working nice and hard on our behalf. Here’s the net worth data in graph-o-vision.

Graph 1 –  We’re continuing our slow progress north.

It would appear that bi-monthly updates are the order of the day. So we’ll see you back in a couple of months time when hopefully the HTSC household will be able to report that it is now at 8% of target net worth.

Net Worth Update – June/July 2018

So it’s time to check up on whether HTSC’s net worth has increased or decreased in June/July 2018. I’m going to leave the previous years net worth numbers in these updates so we can see that (hopefully) everything is headed in the right direction. 

The HTSC portfolio can be found here and a round up of 2017 can be found here.

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

Net Worth

Month Net Worth % To Target
2017 2018
January 5.21 6.30
February 5.39 6.33
March 5.85 6.34
April 6.09 6.57
May 6.39 6.87
June 6.52 6.96
July 6.62 7.30
August 6.86
September 7.01
October 5.85
November 5.97
December 6.23

Once again it’s been a good couple of months with that spare cash working nice and hard on our behalf. As we can see, the HTSC household is now above it’s previous highest net worth percentage to target of 7.01, from last September. Here’s the net worth data in graph-o-vision.

Graph 1 –  We’re continuing our slow progress north.

Everything should be back to normal as of now. Not entirely sure what happened to June there, it just seemed to zip by in a flash!

Net Worth Update – May 2018

So the HTSC household had a busy time at the end of May, travelling around the UK seeing family and spending a couple of days in Belgium (Leuven is a lovely city if you ever find yourself in Belgium with no plans) but don’t worry, normal service will now resume, so as they say, better late than never.

So it’s time to check up on whether HTSC’s net worth has increased or decreased in May 2018. I’m going to leave the previous years net worth numbers in these updates so we can see that (hopefully) everything is headed in the right direction. 

The HTSC portfolio can be found here and a round up of 2017 can be found here.

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

Net Worth

Month Net Worth % To Target
2017 2018
January 5.21 6.30
February 5.39 6.33
March 5.85 6.34
April 6.09 6.57
May 6.39 6.87
June 6.52
July 6.62
August 6.86
September 7.01
October 5.85
November 5.97
December 6.23

Overall it’s been a good month, that spare cash is definitely working nice and hard on our behalf. As we can see, the HTSC household is close to the previous highest net worth percentage to target of 7.01, from last September. Here’s the net worth data in graph-o-vision.

Graph 1 –  We’re continuing our slow progress north.

 

Net Worth Update – April 2018

So it’s time to check up on whether HTSC’s net worth has increased or decreased in April 2018. I’m going to leave the previous years net worth numbers in these updates so we can see that (hopefully) everything is headed in the right direction. 

The HTSC portfolio can be found here and a round up of 2017 can be found here.

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

Net Worth

Month Net Worth % To Target
2017 2018
January 5.21 6.30
February 5.39 6.33
March 5.85 6.34
April 6.09 6.57
May 6.39
June 6.52
July 6.62
August 6.86
September 7.01
October 5.85
November 5.97
December 6.23

Now we’re starting to see some movement! Only another 93.43% to go and we’ll be at our target net worth. Here’s the net worth data in graph-o-vision.

Graph 1 –  We’re slowly moving in the right direction again.

Only a quick update this month, as Mr & Mrs HTSC have been out in the garden enjoying the spring sunshine.

Net Worth Update – March 2018

So it’s time to check up on whether HTSC’s net worth has increased or decreased in March 2018. I’m going to leave the previous years net worth numbers in these updates so we can see that (hopefully) everything is headed in the right direction. 

The HTSC portfolio can be found here and a round up of 2017 can be found here.

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

Net Worth

Month Net Worth %
2017 2018
January 5.21 6.30
February 5.39 6.33
March 5.85 6.34
April 6.09
May 6.39
June 6.52
July 6.62
August 6.86
September 7.01
October 5.85
November 5.97
December 6.23

Again it’s the same story as February, the net worth increased (yay!) but not by much (boo!).

The reason that it hasn’t increased by much this month is it’s been a wee bit choppy in the stock markets. Here’s a snapshot from the past month for the LifeStrategy 80% Equity Fund

Graph 1 – It’s starting to get interesting, that’s for sure.

This doesn’t put Mr HTSC off the plan, in fact quite the opposite, as the price falls, more units in the fund can be bought at the cheaper price! And here’s the net worth data in graph-o-vision.

Graph 2 –  As we can see, the bloody thing continues to flat line in 2018.

As previously stated, no one said making your spare cash work harder for you was going to be plain sailing, so with that Mr HTSC just keeps calm and carries on.

Take it easy.

Net Worth Update – February 2018

So it’s time to check up on whether HTSC’s net worth has increased or decreased in February 2018. I’m going to leave the previous years net worth numbers in these updates so we can see that (hopefully) everything is headed in the right direction. 

The HTSC portfolio can be found here and a round up of 2017 can be found here.

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

Net Worth

Month Net Worth %
2017 2018
January 5.21 6.30
February 5.39 6.33
March 5.85
April 6.09
May 6.39
June 6.52
July 6.62
August 6.86
September 7.01
October 5.85
November 5.97
December 6.23

Again it’s the same story as January, the net worth increased (yay!) but not by much (boo!).

The reason that it hasn’t increased by much this month is because there was a sharp drop in the value of stock markets all over the globe. This meant that the ISA and SIPP in the HTSC portfolio dropped in value. Don’t worry, Mr HTSC hasn’t gone all frivolous and started spending money on items he doesn’t need.

In the January update, I promised you a sexy graph, sadly it isn’t as sexy as I’d like it to be but it’s a graph non the less.

Graph 1 – Net worth increase. As you can see, the bloody thing has flat lined so far in 2018.

No one said making your spare cash work harder for you was going to be plain sailing. There are going to be ups and downs. It’s about holding on tight and breathing slowly when everything is heading south. Shamelessly pilfered from Berkshire Hathaway’s latest annual report  (page 11) are these few lines of wisdom (pulled from Kipling’s If ) to bare in mind when things aren’t going well.

“If you can keep your head when all about you are losing theirs . . .
If you can wait and not be tired by waiting . . .
If you can think – and not make thoughts your aim . . .
If you can trust yourself when all men doubt you…
Yours is the Earth and everything that’s in it.”

Stay safe and warm folks! Over and out from a very snowy Scottish Borders.

 

 

Net Worth Update – January 2018

So it’s time to check up on whether HTSC’s net worth has increased or decreased in January 2018. I’m going to leave the previous years net worth numbers in these updates so we can see that (hopefully) everything is headed in the right direction. 

The HTSC portfolio can be found here and a round up of 2017 can be found here.

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

Net Worth

Month Net Worth %
2017 2018
January 5.21 6.30
February 5.39
March 5.85
April 6.09
May 6.39
June 6.52
July 6.62
August 6.86
September 7.01
October 5.85
November 5.97
December 6.23

As we can see, the net worth increased (yay!) but not by much (boo!).

As discussed in the 2017 Net Worth Review, there is a ‘big picture’ at play here, so as long as by the end of the year we’re close to or passed 2.84% (which the HTSC household is already) then the HTSC plan is still on target.

Sadly with only being one month into the new year, there’s nothing to show on a sexy graph. Hopefully you’ll be able to forgive me and return for the February update, as that will contain a sexy graph or two.

2017 Net Worth Review

Having recently put up the HTSC portfolio, which can be found here, I thought I’d start sharing the progress the HTSC household is making on reaching their net worth target. 

Remember only percentage values are being used as it makes no difference to you what the HTSC net worth target is.

2017

Month Net Worth %
January 5.21
February 5.39
March 5.85
April 6.09
May 6.39
June 6.52
July 6.62
August 6.86
September 7.01
October 5.85
November 5.97
December 6.23

OK, tables are not the most visually pleasing way to show data so here are a couple of sexy graphs.

Graph 1 – 2017 Monthly net worth increase and slight decrease.

As we can see the HTSC net worth was happily heading north until September came along. The drop is due to purchasing a house, something the HTSC clan won’t be doing again any time soon, so there shouldn’t be another dip as large as this in the future.

 

Graph 2 – 2017 Net worth relative to target.

Some people relish seeing the bigger picture and some people just don’t. Mr HTSC is a ‘wants to see the big picture’ kind of chap, regardless of how depressing it might look. Case in point, the grey line in graph 2 is the HTSC net worth and the yellow line at the top is our goal. To say we’ve got a way to go is a slight understatement but who doesn’t like a challenge eh?

You might be asking, why doesn’t this scare Mr HTSC to death? Well here’s why (yep, another graph)

Graph 3 – The big picture

According to graph 3, we should be hitting our net worth goal around 2043, now this might seem like a long time into the future, and it is. But power is knowing and now we’ve got this big picture, if we think that waiting until 2043 is too far into the future, we alter the plan accordingly. Whether that’s by saving and investing more or generating more income per month.

The data behind the graph can be seen below. You’ll notice the HTSC prediction was to have a net worth of 6% around 2022. So we’re already ahead having achieved that in 2017.

Year Net Worth
2014 0.30
2015 0.83
2016 1.43
2017 2.10
2018 2.84
2019 3.67
2020 4.58
2021 5.61
2022 6.75
2023 8.01
2024 9.42
2025 10.99
2026 12.73
2027 14.67
2028 16.82
2029 19.22
2030 21.88
2031 24.84
2032 28.13
2033 31.79
2034 35.86
2035 40.37
2036 45.39
2037 50.96
2038 57.15
2039 64.02
2040 71.66
2041 80.14
2042 89.55
2043 100.00

Hopefully, this has been useful and possibly even a prompt to put together a sexy graph or two yourself. I realise that finance can be a dry subject but it really doesn’t have to be, especially when it involves your future.

Happy graphin’!