Apr ’18 Go T’ Pub ISA Performance

So once again another fire and forget month for the GTP ISA. It isn’t quite zero effort as I do log in and alter my direct debit each month to maxmise things, but imagine if I was buying an acc. fund – an occasional log in to potentially pay fees, and that would be it…

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
  • The VWRL dividend from March paid out this month which added £42.79 to the coffers
  • 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 £17,206.75, with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £18,306.75. We finished the month on £18,956.13 so the total performance across the whole portfolio was 3.55%.

Not at all bad, although it is making the VWRL more expensive to buy again, but I guess I can’t have both!

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 19 units at £60.73 per unit, making the average cost per unit of £61.44. So it just keeps ticking along and increasing the number of units which all helps! I am really happy that once again it was 19 units rather than the usual 18, which keeps putting my fractionally ahead of where I had planned.

The dividends paid out giving me £42.79 for the quarter, almost £15 a month. In effect enough for me to have 2 pints and a bowl of pork scratchings a month. For free. For ever (subject to me still being alive of course). Not at all bad – so 1 year of saving heavily generates me just over £10 a month.

I can see why people get put off savings when you look at the fact that to get this I had to pay in £1,100 per month (and a bit when you add in the extras), but then this is not an income portfolio.

The other way of looking at it is in another couple of quarters that will buy me an extra unit!

Still, it’s free money in effect.

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

201804gtpub

So the value is back just tickling above the contributions, nice so early on. The larger that dividend gets, the better as the further the gap will grow!

Now Weenie did ask to see about how the dividends started stacking up over time (and I am sure others would be interested to). The question is how to present it – I didn’t see any value in just replicated JustETFs table showing dividend per share per quarter, so I thought maybe showing the number of shares that came through, and the total dividend income to date. Let me know if this works!

  • Jul ’17 – 18 shares @ 42.3p dividend per share – £7.61
  • Oct ’17 – 73 shares @ 26.8p dividend per share – £19.60
  • Jan ’18 – 127 shares @ 22.4p dividend per share – £28.51
  • Apr ’18 – 182 shares @ 23.5p dividend per share – £42.79

So one year in – assuming no increase in dividends, and just multiplying by 7 (to get me to 2025) that would give me almost £300 income… so £100 per month in the pub… nice!

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 £5,128.90
S&S ISA IT Now stands at £5,257.25

So stocks back above cash once again which is nice, and soon time for yet another dividend from CTY which will buy a few more, nice!

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

201804cashvsstock

Talk about a rollercoaster but another month back above the cash value, but not enough clear air between them to warrant transferring anything more. A small correction and the difference would be wiped out.

Conclusion

No change to last month really – ticking along up in the right direction and minimal effort – it takes me longer to write these posts than it does to manage the portfolio!

Advertisements

Author: fireinlondon

Fighting the high cost of living in London

2 thoughts on “Apr ’18 Go T’ Pub ISA Performance”

  1. “2 pints and a bowl of pork scratchings a month. For free.” Love it! 🙂

    Thanks for sharing the dividend info, FiL – £100 a month not accounting for any increase in dividends is great for just fun money! I keep wanting to set up my own ‘pub’ portfolio but need to focus on the serious stuff like covering expenses first, although some would argue the pub is serious stuff, haha!

    Good to see CTY bounce right back although it looks like I’ve missed the opportunity to top up when it was down.

    Like

    1. Hi Weenie,
      Haha yes and yesterday I enjoyed a pint and (several!) bowls of pork scratchings, although I left the money in the ISA! 🙂
      No problem on the dividend, if that sort of info is useful then more than happy to share – and yes, £100 per month “fun money” is great, although I will probably be semi-serious with the funds 🙂
      Well you can never time the market, I have often topped up my SMT holding, and it keeps going from strength to strength, so hold it for long enough and it wont matter 🙂
      Cheers,

      Liked by 1 person

Leave a Reply

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

WordPress.com Logo

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

Google+ photo

You are commenting using your Google+ 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