Sep ’17 Go T’ Pub Performance

So here we are again, a little late in the month on the update but as always, here it is!

For the full details over all of the portfolios as a summary please refer to the full month end report – this is specifically looking at what has happened on the Go T’ Pub portfolio only.

So the key bullet points for this month:

  • New Funds added. As always, the regular contribution of £1,100 has gone in
  • This month the portfolio generated no dividends, so no income to help me through (VWRL will pay out in October)
  • No withdrawal was made
  • Left over cash from the previous purchases was left in

Overall performance: The starting value was £9,664.77, with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £10,764.77. We finished the month on £10,685.48, so the total performance across the whole portfolio was -0.74%. Disappointing when it ends less than it starts, but the main thing is the total value is higher than the previous month.

VWRL ETF

So the standard units were purchased – a further 18 units purchased at £59.49 per unit, making the average cost per unit of £60.27. So despite all the noise and yo-yoing of the market, the average price changed by just 17p. It all helps!

So – how does this now look as the graph data slowly builds up?

201709gtpub

So right now, hardly anything in it between my contributions and the value. I should get another dividend next month from the VWRL so hopefully that will make a slight dint and show a bit more value than contributions, but I will save that excitement for now!

Cash Vs. Investment Trust

So  – back to the challenge of cash against investing for my emergency fund. Remember folks – you should not do this.

So, how is it looking?

Cash Now stands at £5,127.06
S&S ISA IT Now stands at £5,171.64

Yes, that’s right – I got a whole 4p interest in my cash ISA. The previous dividend from CTY was automatically reinvested, buying an extra 11 units (total cost, including trading fee and stamp duty just over £48) which explains part of the difference.

For those that prefer pretty pictures:

201709cashvsstock

A nice little trend above the cash. One day we may even see the starting value line appearing underneath the cash line.

Conclusion

So nothing at all interesting happening here if I am honest! The overall value of the portfolio keeps on ticking up with the extra cash going in which is always nice to see.

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September ’17 Performance

Firstly, apologies for the slight delay in getting the performance figures out this month – a very busy work schedule meant a fair amount of travelling, and then a sneaky week away with the families with only my work laptop meant I couldn’t post, and wasn’t organised enough to time the post and do it in advance.

So the month has ended, and so its time to take stock of the performance across my portfolio, and compare it to the usual index of choice. This enables me to see how I am doing. As I covered in my “How I measure performance” – basically I take the value of the portfolio at the end of last month, add on any contributions for the month, and that was my starting value. End value is the value at the end of the reporting period. Simples 🙂

So, what did September do to my overall performance?

 

Portfolio Performance Notes
Company Pension  -1.78% No income generated as all funds are in growth or reinvested
Personal Pension  -1.69% No income generated as all funds are in growth or reinvested
ISA 1  -0.34% No income generated as all funds are in growth or reinvested
ISA 2  -0.99% The performance does not include the income that was paid out into my account, but is covered by the income so really need to consider both in conjunction
ISA 3  2.22% Although dividends are paid out, they remain in the ISA wrapper, and will get reinvested for growth. The performance figure includes both the Capital growth, and also income received which will get reinvested. The Income is the %age paid out by the portfolio but remains inside the wrapper to buy more goodies
ISA 4 -0.74%
FTSE-100  -0.78% This excludes any dividends
FTSE-250  0.36% This excludes any dividends
FTSE-All  -0.57% This excludes any dividends
S&P500  1.97% This excludes any dividends
Dow Jones  1.99% This excludes any dividends
VWRL  -2.53%
VHYL  -2.65%
GBP/USD  3.72%

So, what to make of all this? Firstly, a fairly large jump in the strength of the pound against the dollar, which would explain why VHYL/VWRL dropped when the US markets rose so much.

My actively managed ISA put in yet another great month – and is really pushing up in value – obviously helped by the current strong bull market.

The rest of the portfolios – not so great with all the drops, but I just tell myself it means I buy more for the same amount of money! Overall, even with the drops across most of my portfolios, the slow and steady increase in my networth continues.

Total dividend income this month was down on last year just a little – disappointing but then I sold out some of the shares that payout in September, and the trackers didn’t pay out in September. Having said that it was still a noticeable income that will get reinvested / saved, so it all adds up!

How did you get on with the markets this month?

Sep ’17 Income and Expenses

I can’t believe just how fast September has gone by. I know I was struggling to post as often as I wanted to, but to be doing this statement already I find hard to comprehend.

It’s been a very busy month with a lot of travelling, both work and personal reasons, so what has this done to the overall month? Time to take a look!

As previously mentioned, the September statement for income is from my end of August pay cheque as this is the funds for the month.

Income

So with my new tax code, I found myself with a much larger pay cheque then I expected. Given that HMRC seem to regularly muck me around (last tax year I received I think it was 8, yes 8, different tax codes over the year), I took the view that any extra funds above my standard income will not be included and I will put to the side for now. As such the numbers below are based on my “standard” income.

My other half’s ISA also chucked out more money this month than ever before, so it is starting to really demonstrate the benefit!

Expenses

So, always a nervous time this, lets take a look at what the expenses are like…. I am sitting comfortably! It felt like I had a lot of expenses in September with a number of weekday networking and meeting up nights out, travel for work meaning that I couldn’t always make the cheapest options work, and then personal travel and visiting also adding to the costs.

Item Notes Amount
Things I choose not to avoid* Mortgage, Insurance, shared bills etc. – yes, we could move somewhere cheaper, not have insurance, reduce our bills a bit and so on, but we are where we are. 40%
Groceries All the food and other stuff needed for home 3%
Alcohol for home Home alcohol consumption only 2%
Bicycles / Car related Any costs related to either the bikes or the car 1%
Alcohol Out Generally, its the pub…. 3%
Eating Out I include purchased lunches in this as well as meals out etc. 1%
Other My catch all for anything I may have missed…. 1%
Holidays Any spending related to holidays, flights etc. 0%
Savings Anything left over! This includes money into ISAs, mortgage payments and non relief pension contributions. My company pension comes out before it hits my bank account so isn’t included, nor do I include the “top up” of money when my money goes into my personal pension (i.e. I put in £100, I register it as £100, not the £125 that gets credited in my pension) 49%

Wowser. This is actually my highest ever savings rate (by 0.3%). Something I am super pleased with especially given how active this month was, so shows it can be done. I am sorry that I didn’t quite break the 50% level, but that gives me something to aim for still.

My overall alcohol out bill this month is a little bit higher than it should be, but reflected by the nights out I have had, all of which I enjoyed!

Groceries was also quite high this month, however some of that was food that will be going away with us when we next go on holiday, so not the end of the world.

Overall it feels a very odd September. I don’t feel like I had any time to do anything much (I struggled to even make 1 post per week) and yet despite all that, a very good savings rate. Having to pay back my savings for the building work has shown that I can still do this so if I can keep this going once the cash is replenished then I will look at how I can add this into my normal funds. Either towards holidays / general things or more savings, I will wait to see.

How was your September?