Dec ’17 Go T’ Pub Performance

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!


Author: fireinlondon

Fighting the high cost of living in London

4 thoughts on “Dec ’17 Go T’ Pub Performance”

  1. Hi fil
    I’ve considered buying individual shares but a I don’t think I’m good enough to pick em and b I’ve always thought really you need to be buying around 5k of an individual stock to make it worthwhile but maybe I’m wrong. I’ve used practice accounts to trial it and done pretty well but turn in a bull market everyone is a genius!


    1. Hi FBAB,
      Well my main ISA has done very well out of it, but I dont think I am anything special. I think the amount of an individual stock depends very much on the fees but the larger the purchase the lower the equivalent %age charge is (although TD Direct used to charge a higher fee for trades over £100,000).
      The 3k was just a random number – but actually thought it may be a bit of fun and then others can see how the volatility will go. I would need to set some rules around it, but to be honest as I don’t have the spare cash it is rather pointless 🙂


  2. Hi FiL

    Haha, I love that rollercoaster graph, especially as I own CTY too – am hoping to add more to it at some point this year.

    Have you thought any more about your ‘active investment’? My Dogs portfolio is coming up to the one year mark so I’m due to make my changes for the 2018 portfolio. Just wondered if you’d be picking any ‘dogs’ yourself? 🙂


    1. Hi Weenie,
      Yes it really is a fun time – I can see why people need a strong stomach at times! Main thing is it goes up before I need it 😉

      Yes – still thinking about it, but for now I don’t have the spare cash, I need to repair some of my cash savings first so I suspect it will be the next tax year if I do.
      I still have a number of the Dogs in my self managed ISA and so far they have done me pretty well!
      Given my focus I still need to balance things out I suspect I wont be buying any direct stocks for a while yet…


Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: