So I have to say I really am enjoying this portfolio. I really don’t have to think about it, it just keeps on going (a bit like some batteries). I’ll be honest the main time I check it more than about once a month is the run up to the auto purchase (to see if I need to add extra funds to make sure I can buy at least 18 units), or when I am expecting a dividend payment – still no sign of Decembers VWRL payout as yet…
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 however I added an addition £40 to this, taking it up to £1,140 so that I was certain to get 18 VWRL units
- This month the portfolio threw out nothing 😦
- No withdrawal was made
- Left over cash from the previous purchases was left in
So all in all a very quiet month, no drama, no real action (other than the little extra funds that came out of rainy day savings).
Overall performance: The starting value was £13,025.79, with £1,140 in new funds added, and £0 withdrawals, meaning total starting value was £14,165.79. We finished the month on £14,557.75 so the total performance across the whole portfolio was 2.77%. I can most definitely live with that! The challenge is that VWRL seems to be getting more and more expensive, and soon I fear I won’t be able to add enough to secure 18 units each month… unless we get a drop. Oh well, that is life I guess!
So, lets get into the detail…..
So the standard units were purchased – a further 18 units purchased at £63.28 per unit, making the average cost per unit of £61.27 So it just keeps ticking along and increasing the number of units which all helps!
So – how does this now look as the graph data slowly builds up?
A clear gap is starting to open up already between contributions and stock value – although to clarify this is only the VWRL numbers. That is still ticking up nicely and showing a gap already, however as soon as the next dip comes that will quickly get reversed, but will at least allow me to buy more units – a mixed blessing.
Cash vs. Investment Trust
So for me this was the more interesting part of the overall approach – I transferred 50% of my last remaining cash ISA over to an IT and will be tracking the two together to see how things perform. Remember – you really, REALLY shouldn’t do this. Keep cash on hand, be able to sleep knowing your bills would be covered etc.
So, how is it looking?
|Cash||Now stands at £5,127.18|
|S&S ISA IT||Now stands at £5,377.75|
Another whole 4p from cash. I can’t believe how well that is doing ;-). Seems CTY had a major push, and with last months dividend reinvested that also helps the gap push further ahead. If it remains like this, it means I could cope with an almost 5% drop in the value of CTY and still have the same value as the cash ISA. I won’t be truly happy until I can cope with at least a 30% drop but that feels like it is some way off.
How does the rollercoaster look now? Well, very much like this:
Wowser – someone really did get into the party move over Christmas!
It wasn’t just me who had a rather good Christmas, seems the GTP ISA also did! In a relatively short period of time the ISA is almost at the £15k mark, definitely not something to be sniffed at!
I am also tempted, when I have the spare cash, to chuck some money in to a “active investment” pot. Basically shove in say £3,000 and then buy chosen stocks, reinvest dividends in them, and see if I can boost my performance and see where I end – but that is for another day!