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?
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:
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.
FIREin' London 
Nicely put together! keep pushing… consistency is key!
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Thanks Richest, and thanks for taking the time to comment.
As you say – its keep pushing, keep regularly investing and over time it will get there!
Cheers,
FiL
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It’s great to see that in a short time, your cash ISA is already looking like a poor bet, yet so many people who do have ISAs just have cash ones, not S&S ones. Still very early days yet for your VRWL ETF, will take a while to get going but even just putting the capital in each month is a good thing!
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Hi Weenie,
Yes I am enjoying seeing that, but it is important to remember that the market is not crashing so I will wait with interest to see what happens and what the graph looks like when the time comes – and don’t forget also it will cost me a trading fee to access my money for that emergency….. but at this rate I can see me transferring more of my ISA emergency cash into this… not sensible, but…!
Yes, the VWRL ETF is an interesting one, it hasnt really varied much (between about £59 and £62) at point of purchase, and adding in the trading cost (£1.50) there isn’t a lot going. I am hoping to see a bit more of a jump in the October one as I will have received a larger dividend, but to be honest I expect it to take a year or so before I start seeing any meaningful progress – basically the dividend has to be large enough to buy me an extra share I couldn’t have done otherwise, and I think this is where the Funds (where you can buy part of a share) rather than ETFs may have the edge… we will see!
Cheers,
FiL
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