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Recent Posts

March 2025 update & 24-25 annual review

  Finance update Another negative month for returns, but it could have been worse (just wait for my April update with the impact of the Trump tariffs!). Ended up down £6200 . Breakdown for March: ISA  down £5k Pension  down £6k GIA /easy access savings down £5k Crypto  up £2k House price  up £5k Total : down £6k The big moves for the month came from me moving a lot of savings into my pension. Mainly to duck under the higher rate tax threshold and also to swerve the High Income Child Benefit Charge. 2024/25 tax year review! At the end of the 2024-25 tax year, my net worth has gone up by £140k. This is broken down as follows: ISA Contributions: £20k Market gains: £20k Pension Contributions: £34.5k Market gains: £23k GIA / Premium Bonds Contributions: £0 (Despite putting in over £10k here I've left this at zero as I've moved the bulk of it into my pension in March so didn't want to double count contributions on both assets) Market gains: £6.7k Crypto Contributions:...
Recent posts

February 2025 update

  Finance update A terrible month for portfolio returns! Down £37k, my worst month on record.  Previous to this month, my worst month was January 2022, down £26k.  I mentioned in my last monthly update that February wasn't looking great, in the first few days my portfolio was down £20k, and after a brief recovery, it then sunk again towards the end of the month. Breakdown for February: ISA  down £9k Pension  down £13k GIA /easy access savings down £300 Crypto  down £12.5k House price  up £4k Total : down £37k The bulk of the loss has come from my Crypto holdings, which having been involved in Crypto for 10 years is something that I'm not a stranger to! You see from the graph that I've only contributed to my pension and my GIA/savings this month, all of this has been in cash / Premium Bonds rather than being invested and I'm waiting until the start of the new tax year to move over to my ISA. 2024/25 tax year: Total change for the financial year is now a...