{"id":60893,"date":"2025-01-31T22:56:11","date_gmt":"2025-01-31T22:56:11","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/2021-in-review-south-wales-fi\/"},"modified":"2025-01-31T22:56:11","modified_gmt":"2025-01-31T22:56:11","slug":"2021-in-review-south-wales-fi","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=60893","title":{"rendered":"2021 in Review – South Wales FI"},"content":{"rendered":"
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Ahhhh, another one of those bloggers looking back at the past year. Well, it\u2019s not just for my readers, but also for myself to see what went well, and what didn;t. Let\u2019s start with a graph:<\/p>\nNet worth increase<\/figcaption><\/figure>\n
If you don\u2019t already, I highly recommend taking monthly snapshots of your accounts\/investments so you can produce graphs such as the above. You can see the dip of covid in March 2020- but ever since that its been growing ever since.<\/p>\n
Spending<\/h2>\n
Was down. A lot. Mostly because even with many of the Covid restrictions removed for much of the year, we still didn\u2019t book a holiday nor do a lot of the normal spending that we would have otherwise done. Both a lack of time\/effort on our part + the worry of having to cancel stuff just meant we didn\u2019t manage a holiday. Nor did we meet up with friends that we would normally do, or even just treat ourselves to meals out or any other entrainment etc. <\/p>\n
We did buy a new(er) car- Electric in fact. Although I have put this as an asset in my spreadsheet (deprecating of course), so it hasn\u2019t really affected our net worth as such. It\u2019s been quite nice to avoid petrol prices- which seem to be going up every time I drive past (and avoided the silly fuel rush too). I also sold my motorbike and put that into an index fund as well, so I guess that\u2019s good as well.<\/p>\n
We do have plans for a new patio next year as well as (hopefully) a holiday too, so I can see spending next year being rather higher.<\/p>\n
Investing<\/h2>\n
Unsure I even need to include this- everybody knows the stock market has been utterly insane (in a good way) this year. Every month I think we can\u2019t hit a new high, off it goes and sets a new all time high. I think it just shows that you really can\u2019t predict the market, and it\u2019s much less stressful to just buy the index and just wait.<\/p>\n
I sold some AJBell shares I got as part of their IPO back in December 2018. So, held for just under 3 years, and originally bought for 160p, with some 13.45p of dividends since then too. Sold at just over 400p, so double my return.<\/p>\n<\/figure>\n
I haven\u2019t really bought much of anything but indexes this year to be honest- with the rather crazy stock market, I know that individual stock picking has its place, but not really in my portfolio. One stock I am still holding is IMPAX ENVIRONMENTAL MARKETS PLC (IEM) which has had a pretty amazing 5 years:<\/p>\n<\/figure>\n
So I think I\u2019ll keep holding that for a while longer- even though the ongoing charge is much higher than most of my portfolio (0.95%). I do like having more of a \u201cgreener\u201d portfolio wherever possible. I\u2019m hoping that as this becomes more and more popular that it brings fees\/costs down for everybody.<\/p>\n
2022<\/h2>\n
I mean nobody knows what 2022 is going to bring- more Covid? Another variant? Or maybe it will just peter out and we will go back to normal- I certainly hope so. I can\u2019t see me being able to use my ISA allowance this (current) tax year, which is frustrating, but there isn\u2019t much I can do about that. Over the past 2 years consolidating accounts where I can means that its a much simpler process each month to do the spreadsheet updates. I can also see how this will work into FIRE after my FIRE date as well- it\u2019s much easier to sell some of a globally traded index fund over some p2p balance etc. Still seem to be on track for a 2030 retirement, but lots of other personal changes coming in 2022 as well, that could potentially delay this- let alone the stock market that could do anything in 2022-2030 as well.<\/p>\n
As ever, these are only my views and nothing of this is advice or suggestion of what you should do.<\/p>\n
Ahhhh, another one of those bloggers looking back at the past year. Well, it\u2019s not just for my readers, but also for myself to see what went well, and what didn;t. Let\u2019s start with a graph: Net worth increase If you don\u2019t already, I highly recommend taking monthly snapshots of your accounts\/investments so you can […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[3749,6658,9699],"dealstore":[],"offerexpiration":[],"class_list":["post-60893","post","type-post","status-publish","format-standard","hentry","category-investing","tag-review","tag-south","tag-wales"],"yoast_head":"\n
2021 in Review - South Wales FI - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=60893\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2021 in Review - South Wales FI - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Ahhhh, another one of those bloggers looking back at the past year. Well, it\u2019s not just for my readers, but also for myself to see what went well, and what didn;t. 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