{"id":78518,"date":"2025-02-09T20:51:14","date_gmt":"2025-02-09T20:51:14","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/november-2024-savings-plus-other-updates\/"},"modified":"2025-02-09T20:51:14","modified_gmt":"2025-02-09T20:51:14","slug":"november-2024-savings-plus-other-updates","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=78518","title":{"rendered":"November 2024 Savings, plus other updates"},"content":{"rendered":"


\n<\/p>\n

\n

\"\"<\/a><\/p>\n

I saved 21.5%<\/strong> of my net salary. The above includes \u00a312.23<\/strong> from doing Prolific survey and a \u00a310<\/strong> charity lotto win.<\/p>\n

Shares and Investment Trusts<\/strong><\/p>\n

\n

No change here.<\/p>\n

Current share\/IT portfolio can be found here<\/a>.<\/p>\n

(Entire portfolio here<\/a>)<\/p>\n

Future Fund\u00a0<\/strong><\/p>\n

Trump\u2019s re-election boosted my FF upwards to \u00a3296,316.79<\/strong>. I never dreamt that my FF would get close to another milestone this year \u2013 might a Santa Rally push it that far? Whether it does or not, I\u2019m very happy with this progress, especially as I\u2019ve got a big wedge still in UK equities which are not achieving the big numbers their US counterparts are doing.<\/p>\n

\"\"<\/a><\/p>\n<\/div>\n<\/div>\n

\n
\n

A good month for dividend income:<\/p>\n

\"\"<\/a><\/p>\n

I received \u00a3701.80<\/strong>, of which \u00a3468.59<\/strong> was from my ISAs, the rest from my SIPPs. All dividends were reinvested.<\/p>\n

Here\u2019s the progress on my ISA dividend income:<\/p>\n

\"\"<\/a><\/p>\n

\n

With December to go, my income received has now matched what I received in total in 2023. It\u2019s going to be tight but barring any surprises, I think I should hit my income goal.<\/p>\n

Goals Update<\/strong><\/p>\n

\n

What about the other goals?<\/p>\n

\"\"<\/a><\/p>\n

Hoping to bag one of the reading goals by the end of the year, but I really need to stop watching tv and get some reading done!<\/p>\n

Options, Options<\/strong><\/p>\n

It has now been two years since I decided to dip my toe into the murky but intriguing world of options trading.<\/p>\n

What was my aim here? I had wanted to learn something new, start a mostly fun hobby of sorts and be sociable too by attending the monthly Beginners\u2019 Options (online) meet ups.<\/p>\n

I also had a goal of doubling my initial capital<\/strong>, all \u00a31k of it!<\/p>\n

In my one-year update<\/a>, my balance ended up at \u00a31,484.27.<\/p>\n

By the end of year 2, my balance was at \u00a31,847.67<\/strong> \u2013 a 24.4%<\/strong> gain!<\/p>\n<\/div>\n

I haven\u2019t doubled my money but I\u2019m getting there!<\/p>\n

\n

This year wasn\u2019t all plain sailing however, as there was a big wobble (caused by interest rates announcement in the US, I think).<\/p>\n<\/div>\n

\"\"<\/a><\/p>\n

All was ticking along nicely and then, WHAM!<\/p>\n<\/div>\n

I was in the office when it all went pear-shaped and I had to turn off\/ignore my madly pinging phone, informing me that the US500 had crashed X number of points!<\/p>\n

When I got home, I sold my position, but by then, the markets had settled a little so instead of losing over \u00a3240 had I been able to sell in a panic during the day, I made a \u00a3151.13 loss on that trade. Inertia saved me a bit of money! I\u2019ve since made up for that loss and then some, so all is good.<\/p>\n

What next once I reach my initial goal?<\/p>\n<\/div>\n

My strategy still appears to be sound so I can continue doing what I\u2019m doing:<\/p>\n<\/div>\n

\"\"<\/a><\/p>\n

\n
\n

However, I\u2019ve not decided whether to start withdrawing profits and keeping the balance at \u00a32k, or if I should set another goal, \u00a33k maybe or doubling to \u00a34k? Maybe I just withdraw my initial capital and then I will be playing completely with profits. I will figure something out when I get to my goal.<\/p>\n<\/div>\n

Finally, this is not any sort of recommendation or suggestion for anyone to try options trading, I\u2019m just having a bit of fun and am aware of the risks \u2013 DYOR!<\/p>\n<\/div>\n

I spent some good quality time with family in Hong Kong, although the first few days were spent sleeping a lot (jet lag and some general exhaustion). Some family members had a trip to China planned the following week, and all I needed to do was sort out my visa, which ended up easier said than done!<\/p>\n

It took a couple of days and many hours of quite stressful to-ing and fro-ing, which culminated in the following ridiculously bizarre scenario:<\/p>\n

China Visa Representative:<\/strong> \u201cYou are not British <\/em>(despite my British passport and birth certificate) because your parents were born in China <\/em>(actually Hong Kong, but it\u2019s all China to them now). You must go to Immigration to renounce your nationality <\/em>(a nationality I do not claim to have)\u201c.<\/em><\/p>\n

Immigration Officer:<\/strong> \u201cWe cannot help you because you are British.\u201d<\/p>\n

I think I laughed in his face!<\/p>\n

In the end, I had to submit a handwritten personal statement<\/strong> with my visa application, which included stating my reason for wanting to enter the country and that I had no intention of staying there longer than my visa allowed. Even then, I was told several times that there was no guarantee my application would be approved but fortunately, I was ultimately granted a visa. Still, what did they think I was going to do while I was there!?<\/p>\n

Anyway, was the trip worth all the hassle?\u00a0 Yes, it was.<\/p>\n<\/div>\n

This was my first trip to the country as an adult. Travelling several hours by an impressive high speed train (clean, roomy and on time), we went to Guilin, a small city renowned for its beautiful natural sceneries and unusual shaped mountains. We went by guided tour, so we had a small coach which took us to various places of interest to visit.<\/p>\n\n","protected":false},"excerpt":{"rendered":"

I saved 21.5% of my net salary. The above includes \u00a312.23 from doing Prolific survey and a \u00a310 charity lotto win. Shares and Investment Trusts No change here. Current share\/IT portfolio can be found here. (Entire portfolio here) Future Fund\u00a0 Trump\u2019s re-election boosted my FF upwards to \u00a3296,316.79. I never dreamt that my FF would […]<\/p>\n","protected":false},"author":1,"featured_media":78519,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[3894,10953,12572],"dealstore":[],"offerexpiration":[],"class_list":["post-78518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-november","tag-savings","tag-updates"],"yoast_head":"\nNovember 2024 Savings, plus other updates - 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=78518\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"November 2024 Savings, plus other updates - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"I saved 21.5% of my net salary. The above includes \u00a312.23 from doing Prolific survey and a \u00a310 charity lotto win. Shares and Investment Trusts No change here. Current share\/IT portfolio can be found here. (Entire portfolio here) Future Fund\u00a0 Trump\u2019s re-election boosted my FF upwards to \u00a3296,316.79. 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