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!

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Jul ’18 Performance

I can’t believe I am almost at the end of August and I have only now got around to getting this posted – I must do better! On the flip side of all of that, I really didn’t keep much attention to what was going on once again. Everything is on autopilot – my actively managed ISA is just building up cash so really there isn’t much to do. Life can be good!

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 🙂

‘folio Perf. Notes
Company Pension 2.64% No income generated as all funds are in growth or reinvested
Personal Pension 2.60% No income generated as all funds are in growth or reinvested
ISA 1 1.30% No income generated as all funds are in growth or reinvested
ISA 2 0.80% The performance does not include the income that was paid out into my account
ISA 3 1.39% 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 2.86% Go T’ Pub ISA
FTSE-100 1.46% This excludes any dividends
FTSE-250 0.23% This excludes any dividends
FTSE-All 1.22% This excludes any dividends
S&P500 3.65% This excludes any dividends
Dow Jones 4.75% This excludes any dividends
VWRL 3.28%
VHYL -2.73%
GBP/USD -0.63% 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.comfor consistency and real life 🙂

So, the US continues its upwards path, the pound slipped a little, and all my various portfolios went up a bit in value. Nice.

So my IFA beat me this month, but then he is more heavily US based (with the exception of GTP).

Really a very boring month. Money goes in. Money buys stuff. Money produces more money. Pot goes up. No magic (sadly), no 100 baggers making me an overnight millionaire (sadly, again), but the slow and steady inevitable climb towards retirement continues. Bring it on!

Cheers

Note: For those of you in either the FI London or FI UK Facebook groups, and for those note, there is another FI Meet up planned on the 19th October in central London. Estimates at the last meet up was that around 100 people turned up (of which I only got to chat to a very small fraction) – please do come along, bring a friend as well if you so want!

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!

Jun ’18 Performance

So a chance to take a look back at the performance across the board for June.

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 🙂

‘folio Perf. Notes
Company Pension 0.38% No income generated as all funds are in growth or reinvested
Personal Pension -0.31% No income generated as all funds are in growth or reinvested
ISA 1 0.07% No income generated as all funds are in growth or reinvested
ISA 2 -0.41% The performance does not include the income that was paid out into my account
ISA 3 0.16% 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 -0.32% Go T’ Pub ISA
FTSE-100 -0.54% This excludes any dividends
FTSE-250 -0.07% This excludes any dividends
FTSE-All -0.47% This excludes any dividends
S&P500 0.09% This excludes any dividends
Dow Jones -0.86% This excludes any dividends
VWRL -0.26%
VHYL -1.02%
GBP/USD -0.63% 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.comfor consistency and real life 🙂

So, really a completely uneventful month. There really isn’t much to say other than continuing to tick along, with money dropping in to the investments, and off we go!

Really a very boring month!

Note: If you are in London this week there is another FI Meetup on Thursday evening, if you are interested, head over to the FB site and find us!

May ’18 Go T’ Pub ISA Performance

So another month flies past us, warm weather greets us, and the GTP ISA continues to tick along in the background with minimal (apart from needing to research alternative providers – still on my to do list!) effort.

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 CTY IT paid out this month which added £56.28 to the coffers which will get reinvested
  • 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 £18,956.13 with £1,100 in new funds added, and £0 withdrawals, meaning total starting value was £20,056.13. We finished the month on £20,634.47 so the total performance across the whole portfolio was 2.88%.

Not at all bad, although VWRL continues to get more expensive to buy, which is reducing the number I can buy.

So, lets get into the detail…..

VWRL ETF

So the standard units were purchased – however with the rising price means I could only afford to buy a further 17 units at £64.20 per unit, making the average cost per unit of £61.64. So it just keeps ticking along and increasing the number of units which all helps! This is the first month I have not been able to purchase the minimum 18 units which is disappointing, but I guess it is quite expensive right now!

So really absolutely nothing to see here – money goes in, units are bought… I fall asleep lol

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

201805gtpub

So look at that – the first “clear air” between the contributions and stock value – woohoo! But I won’t start singing “I’m in the money” just yet…

So a year on of investments (my first one went in in May 2017) – and its already worth £15,000. At the 4% SWR that is £50 a month already – not at all bad!

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 £5,129.79
S&S ISA IT Now stands at £5,368.58

So stocks still happily above the cash value, and with a dividend to get reinvested to boot – it is starting to look quite nice. However until I know I can cope with at least a 30% fall (i.e. £1,500) I won’t be too happy however it is above the cash value!

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

201805cashvsstock

For the first time you can see a slight difference between the Starting Value and the Cash ISA value (there is a part of me now that thinks I should have added in what the Cash value would be if it had grown at inflation, but to be honest, I can’t be bothered!).

From a mental point of view it’s great to see the stock value still above the cash.

Conclusion

So the fire and forget is still proving to be a wonderful approach – I really don’t need to do much.

I still need to follow up and finish the post on my investigations for an alternative provider after Selftrade announced the change to their charging structure.

I really am rather enjoying this stress free approach – it doesn’t give the same returns I experienced with my self select but it is SO much less hassle!

May ’18 Performance

So a chance to take a look back at the performance across the board for May. With work being so busy, all I managed to do was the usual morning daily check on my valuation (I can’t resist!) and the weekend check, but not actually notice what the wider market was doing.

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 🙂

‘folio Perf. Notes
Company Pension 2.54% No income generated as all funds are in growth or reinvested
Personal Pension 2.53% No income generated as all funds are in growth or reinvested
ISA 1 1.13% No income generated as all funds are in growth or reinvested
ISA 2 1.21% The performance does not include the income that was paid out into my account
ISA 3 3.68% 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 2.88% Go T’ Pub ISA
FTSE-100 2.25% This excludes any dividends
FTSE-250 2.77% This excludes any dividends
FTSE-All 2.29% This excludes any dividends
S&P500 2.26% This excludes any dividends
Dow Jones 1.02% This excludes any dividends
VWRL 3.07%
VHYL 0.78%
GBP/USD -3.35% 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 apart from the drop in the GBP/USD (which may account for the performance of VWRL) another month of positive numbers.

Other than the relentless march upwards (at some point it will crash… won’t it?!) there are only two really notable things in this lot for me.

Firstly, my IFA seems to do a lot better with a larger pot (my pension with him is much bigger than my ISA). I am not about to throw more money at him for the ISA, but it does at last seem to be heading steadily in the right direction.

Secondly, my actively managed ISA. Once again this seems to be heading up faster than I thought possible. If it doesn’t go up again for the next four years it will still be at the same place I expected it to get to in 4 years! It’s times like this I wonder if I am being too pessimistic on my growth rates, but then I also think we have been in a long bull market, one quick crash and it will go.

In another couple of months the effects of my rebalancing the portfolio last summer will have finished going through the wash and I will get to see what this has done to my income and performance over the years. So far it isn’t looking pretty – my income doesn’t seem to really be growing given previous years increases rather disappointing.

I guess that is the cost of lowering overall risk and volatility by going with some trackers. And yes, before you ask, I have looked back at how some of my other stocks that were sold have done. Some up, some down so no huge difference!

As I was pulling together the review and performance for this month, I realised that I may have made a bit of an error on my rebalancing which I thought to share.

I rebalanced when the GTP ISA was in its infancy (i.e. worth about the same as an empty coffee mug). I aimed to balance my personal ISA across ETFs, Investment Trusts, “my chosen shares” and “High Risk”. I am almost now rebalanced (I need to buy some US ETFs) so I was starting to think things were good.

Then it struck me – I was looking ONLY at that ISA, and not across all my investments (excluding company pension and IFA managed stuff). Was this really sensible? Should I include the GTP ISA across my portfolio and include that as well?

After a short but frantic excel “hackathon” I rejigged my spreadsheet to show both across just my managed ISA and also the GTP and my managed ISAs.

The results? Within a few percent either way across investments I am pretty much on the spot for my balance if I include the GTP ISA.

So, on its own, I need to buy more ETFs. Combining the GTP ISA, I can pretty much buy what I want. A part of me thinks that this is just me tinkering to let me “play the stock market” which I know I am prone to do. I think I will try and resist and let it stay as just the actively managed setup.

What do you think? Should I stick with the allocation just in my actively managed ISA, or also include the GTP ISA?

 

A quick note: For those of you who are already aware of the FI London group but didn’t want to join as not living in London, there is now a wider FI UK group that has been setup.

There is also a meetup on the 15th June at the Rose and Crown – 47, Colombo Street, SE1 8DP London for anyone interested!

April ’18 Performance

So a bit later than normal(to put it mildly, I do apologise!), a chance to look back at the performance and see how things went in April. I actually couldn’t tell you what I thought the markets did over the month as it flew by, although that could potentially be a good thing! 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 🙂

‘folio Perf. Notes
Company Pension 1.25% No income generated as all funds are in growth or reinvested
Personal Pension 3.11% No income generated as all funds are in growth or reinvested
ISA 1 4.33% No income generated as all funds are in growth or reinvested
ISA 2 2.70% The performance does not include the income that was paid out into my account
ISA 3 4.80% 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 3.55% Go T’ Pub ISA
FTSE-100 6.42% This excludes any dividends
FTSE-250 4.24% This excludes any dividends
FTSE-All 6.00% This excludes any dividends
S&P500 0.57% This excludes any dividends
Dow Jones 0.55% This excludes any dividends
VWRL 3.61%
VHYL 3.58%
GBP/USD -2.13% 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 apart from the drop in the GBP/USD (which may account for some of the VWRL/VHYL going up) a lot of reasonably positive numbers.

A very good month for the FTSE-100 and All Share, top of the performance on my side, once again, was my actively managed ISA. I am not quite sure how given that I have been moving this into more trackers and Investment Trusts, but there you go. I will definitely not complain!

My IFA doesn’t seem to be fairing too badly – last month he didn’t lose as much as the markets, this month he didn’t generate as good a return as the FTSE 100 or All, but still beat most of the rest. I guess capital preservation and some growth is working well here. That said the IFA Pension is slightly skewed by my bonus (plus tax relief) going in mid April which in theory would account for some of the delayed performance. Had I not added this then maybe he would have had a more favourable performance, but it is what it is.

Overall, not a bad month – the total value of the portfolios (and so NetWorth) continue their rise, and looking back on this number compared to 12 months ago (a great advantage of monthly tracking) I really can’t believe what a good position I am in right now – the joy of steady but constant savings over the years.

How was your April performance?