Mar ’18 Go T’ Pub ISA Performance

I continue to love the simplicity of this ISA – fire and forget, no worries about individual shares, it just does what the market does! This really is the ultimate in easy investing for me – virtually no fees (Ok, £1.50 for the trade), no ongoing charges. Bliss!

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, what activity did we have this month?

  • New Funds added. As always, the regular contribution of £1,100 has gone in however I added an additional £140 to this, taking it up to £1,240 as I wanted to put as much as possible into the tax shelter – further reducing my cash reserves
  • No dividends were paid out sadly, so no income generated
  • No withdrawal was made
  • Left over cash from the previous purchases was left in

So once again a very quiet month just ticking along and the number of units keep ticking up.

Overall performance: The starting value was £16,451.84, with £1,240 in new funds added, and £0 withdrawals, meaning total starting value was £17,691.84. We finished the month on £17,206.75 so the total performance across the whole portfolio was -2.74%.

Ok so it went down – that just means more chance of more VWRL 🙂

So, lets get into the detail…..

VWRL ETF

So the standard units were purchased – however with the extra cash meant that I could purchase a further 20 units at £60.09 per unit, making the average cost per unit of £61.50. So it just keeps ticking along and increasing the number of units which all helps!

I did do a spreadsheet showing how many VWRL I would have on the assumption of 18 each month, so an extra 2 will give me about an extra 50p each quarter. Not to be sniffed at!

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

201803gtpub

So after all the great hope and showing value going above contributions it is wiped out in one month and drops below my contributions. Oh well, it is early days and why you so often read literature saying you should be invested for at least 5 years!

It has finally ticked over the 200 units now so I am hoping that the dividend will kick in next month and hopefully be close to £50 but I will wait and see. I will resist using it as beer tokens and aim to reinvest it!

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 £5,128.44
S&S ISA IT Now stands at £5,106.00

It looks like my Cash ISA rate has been increased as there was a huge payment again this month – so much so that the graph line even seems to have moved a bit! The CTY seems to be suffering, even with an additional 12 units from the last dividend. Not ideal by any stretch, and further evidence that you should NOT do this approach.

Whilst I view this as disappointing, things have been on a tear, and as I continue to reinvest the dividends it won’t take long to go back above. Of course, this is reliant on me not needing the cash – if you had to sell out this would hurt.

How does the rollercoaster look now? Well, very much like this:

201803cashvsstock

Slowly pulling back up to break even point despite the recent drop, but hopefully another couple more dividend payments and reinvest and it will start pulling away.

Conclusion

The simplicity of this is still superb for me and highly recommended from my view for anyone just starting out. Fire and forget and come back in a year or two. I can see the appeal of funds here over ETFs, as you don’t need to keep logging in to change the purchase, as you buy partial units.

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Mar ’18 Performance

So the month has ended and a bit more volatility than we have seen for a while (or is it just that it’s gone down for once?). So how have the investments fared this month? 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 March do for me? I was feeling very positive until the drops started kicking in at the back end of the month, but that said it means my GTP ISA will buy more!

‘folio Perf. Notes
Company Pension -1.55% No income generated as all funds are in growth or reinvested
Personal Pension -3.94% No income generated as all funds are in growth or reinvested
ISA 1 -2.55% No income generated as all funds are in growth or reinvested
ISA 2 -2.97% The performance does not include the income that was paid out into my account
ISA 3 0.01% 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.
ISA 4 -2.74% Go T’ Pub ISA
FTSE-100 -2.42% This excludes any dividends
FTSE-250 -1.15% This excludes any dividends
FTSE-All -2.20% This excludes any dividends
S&P500 -3.50% This excludes any dividends
Dow Jones -4.54% This excludes any dividends
VWRL -4.91%
VHYL -4.94%
GBP/USD 2.07% This was taken on the spot rate on the close of the last day of the month. Going forwards I will pick up the exchange rate from www.xe.com for consistency and real life 🙂

So a lot of negative numbers there for the second month in a row. This puts me back to pretty much the same value I had back in November. Whilst a little depressing, I am still in wealth building mode so it just means I can buy more while they are cheap – something I have been waiting for since the bull market started so very long ago!

The one shining surprise in all this was my self managed ISA. Whilst 0.01% increase isn’t anything to shout about, the fact that it remained positive despite the large drops everywhere else. This was despite a shortfall in the dividends this month from the same time last year – attributable to the fact that I sold some of my stock that paid out, and the change in the GBP/USD exchange rate meant dividends were smaller.

Last summers rebalance of ISA 3 is now working its way through the numbers so I think I have mostly taken the hit on lower dividends, but the lower volatility is also helping.

Oh well, as I am currently not reliant on them I can continue to reinvest.

Although ISA2 looks very bad, it is continuing to pay out a steadily growing income stream

So, what does this look like in pretty pictures?

201803PerfGraph

So almost a year on and £10,000 invested wouldn’t have shown that much growth when you keep hearing about the historic returns. Just do remember that these figures banded about are average over years.

My forecasts still show that I will not hit the number I need by June 2025 however that is based on 4% growth and no increase in savings, something which I have changed. Increasing the payments into my other half’s ISA and hopefully also my GTP ISA that will soon make up the shortfall.

And what of my other non financial performance? Well I am pleased to say that the stone of weight that I lost has so far stayed off and seems to have balanced, however I haven’t yet managed to shake any further but I am hoping that I will get below the magic 14 stone soon…

How was your March? Were you caught in the falling market or did you buy more?