Oct ’18 Go T’ Pub Performance

So in October I have to admit I didn’t really look at this portfolio – knowing that CTY will do what it does, and the VWRL will also just keep ticking along. Life continues to throw up blockers to my writing time, so please stay with me 🙂

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
  • VWRL paid out a whopping £103.60
  • No withdrawal was made
  • Left over cash from the previous purchases was left in

Overall performance: The starting value was £25,774.98, with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £26,874.98. We finished the month on £25,534.68 so the total performance across the whole portfolio was -4.99%.

Ouch, so quite a drop there – but what does that actually look like in terms of the details….

VWRL ETF

So with the drop in the value, plus the extra income from the dividend, it allowed me to purchase a whopping 20 units this month at £62.87 per share, giving an average cost now of £62.52.

On the flip side – £100 quid. For doing nothing. That should cover a meal out this quarter with Mrs. FiL – but I of course wont yet, it will reinvest 🙂 Either way – two quarters in a row its been over £100, or in other words, about £30 a month – that will treat us to a couple of drinks down the pub each month – result!

So, how does this look in pretty pictures I hear you ask?

201810gtpub

So even with the “crash” – having reinvested the dividends, the value is still higher than the contributions – so nothing really to grumble. I can’t believe just how fast the £20k has amassed either – seems to be there in a blink of an eye.

Cash vs. Investment Trust

So now for the fun, and highly not recommended, part. The money from my Cash ISA that was part of my emergency fund that I invested in the market to see what would happen over time.

So, how is it looking?

Cash Now stands at £5,132.34
S&S ISA IT Now stands at £5,037.70

So once again, the value of cash holding it’s.. well… value… is showing through as I sit on a loss of the stock. Given how low it has been over the month, it is a great recovery!

201810cashvsstock

So the rollercoaster continues! I know that next month I should get another dividend which will be reinvested so hopefully this will then make sure it keeps above the original starting value, but let’s see!

Sep ’18 Go T’ Pub Performance

So, once again, I didn’t pay any attention to the GTP ISA again this month (even though I should probably start looking at the charges and maybe move 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
  • No dividends were paid out sadly this month
  • No withdrawal was made
  • Left over cash from the previous purchases was left in

Overall performance: The starting value was £24,669.21, with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £25,769.21. We finished the month on £25,774.98 so the total performance across the whole portfolio was 0.02%.

So basically things went absolutely nowhere. Even with the money in things just tick along.

So, now for the details….

VWRL ETF

So the standard units were purchased. I bought a further 16 units at £66.52 per unit, making the average cost per unit of £62.49. The average cost starting to keep ticking up, but I guess I can’t complain as all the other units I already have increase as well!

I am in a slightly odd position in that I would love a crash and for the shares to drop to say £40 to allow me to buy huge amounts more, even if it means my current holding drops massively.

Ultimately though, it doesn’t really matter – things will just keep ticking along

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

201809gtpub

So a nice gap developing there between contributions and value. It’s still not as much as I would like but the main thing is that the total value keeps going up!

Cash vs. Investment Trust

So now for the fun, and highly not recommended, part. The money from my Cash ISA that was part of my emergency fund that I invested in the market to see what would happen over time.

So, how is it looking?

Cash Now stands at £5,131.55
S&S ISA IT Now stands at £5,346.64

So far then, the stock is just about keeping its head above the cash side of things (although remember there will be a dealing charge if I need to liquidate which I haven’t really included).

201809cashvsstock

So far the experiment is good – more in the stocks than cash but still a long way from being “comfortable” with the gap as yet.

So far so good…

Conclusion

So the VWRL experiment is still good clocking up units and slowly paying out for beers in the future. The cash vs. CTY is still a little uncomfortable if that was my only cash reserves, but fortunately it isn’t.

Aug ’18 Go T’ Pub ISA Performance

So no surprise – I paid absolutely zero attention to the ISA in August (as he is writing the update in October!) – not even log in to change the numbers to try and squeeze every last penny out – I will eventually get around to doing that… but don’t forget to get to the end of this post for notice of a couple more FI events coming up!

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
  • CTY paid out an additional £56.82 (which will get reinvested) – so again a nice little improvement on the interest in my cash ISA!
  • 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 £23,416.27, with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £24,516.27. We finished the month on £24,669.21 so the total performance across the whole portfolio was 0.62%.

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. I bought a further 16 units at £66.63 per unit, making the average cost per unit of £62.27. The average cost starting to keep ticking up, but I guess I can’t complain as all the other units I already have increase as well!

I really am very very pleased with the way this is going – zero effort and money coming in.

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

201808gtpub

A clear gap staying there between contributions and value – if that doesn’t make you think about getting going investing, I don’t know what will! Ok at some point things will drop, but for now, I will keep happily watching that spread!

Cash vs. Investment Trust

So now for the fun, and highly not recommended, part. The money from my Cash ISA that was part of my emergency fund that I invested in the market to see what would happen over time.

So, how is it looking?

Cash Now stands at £5,131.09
S&S ISA IT Now stands at £5,252.05

So far then, the stock is just about keeping its head above the cash side of things (although remember there will be a dealing charge if I need to liquidate which I haven’t really included).

201808cashvsstock

So the rollercoaster continues, and still above the cash so the fun continues….

Conclusion

I really am rather enjoying this forgetfulness of this ISA – for a stress free life I couldn’t ask for more!

Want more FI?

So this month there are TWO events going on for anyone interested:

October 13th – at The Onslow Arms, West Clandon from 12 noon there is a FI UK group meet up

October 19th – at The Old Bank of England, London from 17:30, there is a FI London group meet up

Jul ’18 Go T’ Pub ISA Performance

So as I desperately try and catch up on publishing my numbers, I realise I ought to be publishing the numbers for August, not July, but never mind, that will come in time!

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.

Once again I have still not got around to looking at changing the provider for this ISA in light of the recent changes to the charging mechanisms for them, however I did look back at my post trying to find the GTP ISA provider, and it was either Selftrade or II. As II are already providing one of my other ISAs it looks like I won’t get around to changing – very bad on my part.

So, what activity did we have this month?

  • New Funds added. As always, the regular contribution of £1,100 has gone in
  • VWRL paid out a dividend again. £107.09. Compared to this time last year when it was only £7 that is a heck of a jump!
  • No withdrawal was made
  • Left over cash from the previous purchases was left in

Overall performance: The starting value was £21,665.77 with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £22,765.77. We finished the month on £23,416.27 so the total performance across the whole portfolio was 2.86%. Not at all bad!

VWRL ETF

So the standard units were purchased – with the whopping dividend also reinvested (it paid to buy me an additional unit – compounding in action baby!!). I bought a further 19 units at £64.96 per unit, making the average cost per unit of £62.01. So not only a great big dividend this month, but enough to buy another unit – for free!

I really am very very pleased with the way this is going!

So – how does this now look as the graph data slowly builds up?201807gtpub

Look at that gap! That’s what that free VWRL unit did for me 🙂 I know this does sound really quite sad but that is truly a great moment for this ISA. I could have used £35 a MONTH for going to the pub (a bottle of wine, a burger and a few pints or a pint and about 25 packs of pork scratchings – probably a little too many even for me).

There will be a drop at some point I am sure but for now I will just continue to enjoy watching that gap grow!

In terms of dividends to date:

  • 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
  • Jul ’18 – 238 shares @ 45p dividend per share – £107.09

Cash vs. Investment Trust

So now for the fun, and highly not recommended, part. The money from my Cash ISA that was part of my emergency fund that I invested in the market to see what would happen over time.

So, how is it looking?

Cash Now stands at £5,130.67
S&S ISA IT Now stands at £5,395.68*

*Disclaimer – yes this is the same as the previous, I think I typed in the wrong box but in the grand scheme of things, it doesn’t really matter!

So still quite a way ahead for now, not at all bad!

201808cashvsstock

Conclusion

For an easy life, you really can’t go wrong with this approach for automated investing. I don’t need to read any company reports, I don’t need to worry about politics or economic collapse anywhere. Just buy and forget. Bliss!

Jun ’18 Go T’ Pub ISA Performance

So this is not a great sign that it is the middle of August nearly and I am only just writing up June, still at least I shouldn’t be short of posts for the next couple of weeks!

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.

I know they are changing the charging mechanism for Selftrade and I had it in my diary this Monday to look at but time flew by once again and I have done nothing about it. I recall doing  a quick scan and thinking I was too lazy to make it worthwhile to move, but I will need to do proper research on that. Oh well.

So, what activity did we have this month?

  • New Funds added. As always, the regular contribution of £1,100 has gone in
  • No dividends were paid. Maybe I should find some other ETFs to buy that pay out in different months just to give me a little excitement
  • No withdrawal was made
  • Left over cash from the previous purchases was left in

Overall performance: The starting value was £20,634.47 with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £21,734.47. We finished the month on £21,665.77 so the total performance across the whole portfolio was -0.32%.

Not ideal but the fact that the portfolio isn’t racing up means I can keep buying more units I guess….

So, lets get into the detail…..

VWRL ETF

So the standard units were purchased – however with the high price means I could only afford to buy a further 17 units at £63.62 per unit (a slight dip on the previous month), making the average cost per unit of £61.78. So it just keeps ticking along and increasing the number of units which all helps!

Given how busy June was it means I didn’t look the minute the shares were purchased, and so I just had to look at the end of the month!

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

201806gtpub

The clear air gap continues! At some point I expect there to be a fall, when who knows. The same old automatic, proven, method is ticking along thank you very much!

Cash vs. Investment Trust

So now for the fun, and highly not recommended, part. The money from my Cash ISA that was part of my emergency fund that I invested in the market to see what would happen over time.

So, how is it looking?

Cash Now stands at £5,130.23
S&S ISA IT Now stands at £5,395.68*

*Disclaimer – I may have misrecorded this but have no idea…

So still quite a way ahead, with another 12 shares bought through dividend reinvestment – making 46 extra shares from dividends already – that’s compounding for you!

How does the rollercoaster look now?

201806cashvsstock

So, still looking not at all bad all told. Again this is my emergency fund so I would HAVE to sell if I needed the cash regardless of what the price was – not a situation you want to find yourself in if you can help it!

Conclusion

I continue to shout about how wonderful this fire and forget is. If you don’t have some weird spreadsheet fetish and just want to get on with your life rather than worry about this – crank up the investment to the max and forget about it – bliss!