Portfolio Updates 2014

At the week end I was playing with the portfolio tools on Trustnet as I know that I'm not being at all scientific about how I am allocating my monthly savings at the moment. I have read "Smarter Investing" and I do understand that a portfolio needs to be balanced. It should be invested across a range of asset types and markets and for the best chance of long-term growth it should consist of a series index trackers, or invested in an "all-in-one" product that does all this automatically like the Vanguard LifeStrategy range.
I do know the basics, but I haven't yet got my plan in place, I haven't worked out how best to do this.

This is partly because I'm still waiting for my ISA to transfer over but mainly because I am a little overwhelmed (and, also, let's face it, seduced) by all the information out there. I'm a natural researcher and personal finance is my kind of heaven. All those facts, figures and opinions. I've realised that if I'm not careful I'll research myself to a standstill.

So when I first opened my ISA with iii I did buy into a few funds in a very small way just so I could see how things worked and start the ball rolling. Currently I know that my portfolio is a very flawed work in progress but I intend to update on here each month with how things are going.


April 2014 May 2014 June 2014 July 2014 August 2014 September 2014 October 2014 November 2014 December 2014

March 2014 Valuation

MARCH 2014
IMA Unit Trusts & OEICsProfit/Loss
NameUnitsWeightTotal cost (GBP)GBP ValueGBP%
BlackRock CIF Emerging Markets Equity Tracker L134.70.21%138.61141.032.42

1.75
CIS UK Growth Inc844059.54%39507.6439499.2-8.44-0.02
CIS US Growth Inc570.11%70.2270.40.180.26
Fundsmith Equity T Acc195.60.48%319.86319.77-0.09-0.03
HSBC European Index Ret Acc31.260.29%189.72191.812.091.1
HSBC FTSE 250 Index Ret Acc95.40.28%186.6187.651.050.56
Total--60.91%40412.6540409.86-2.79-0.01
Investment Trusts
NameUnitsWeightTotal cost (GBP)GBP ValueProfit/Loss
Herald Investment Trust plc370.39%258.72258.08-0.64-0.25
Total--0.39%258.72258.08-0.64-0.25
Pension Funds
NameUnitsWeightTotal cost (GBP)GBP ValueProfit/Loss


CIS With Profits Pn6884.0522.72%1507615076--0
SL BlackRock Aquila HP World Ex UK Index Pn S4272.190.68%454.83450.2-4.63-1.02
Stan Life Corporate Bond Pn S3 GBP78.280.23%151.08151.550.470.31
Total--23.63%15681.9115677.75-4.16-0.03
Cash
Account NameAccount TypeWeightBalanceGBP Value
SantanderCurrent Account15.07%1000010000
Total--15.07%--10000
Grand Total66345.69-7.59

Asset ClassesTotal(%)
UK Equities60.3
Money Market16.8
UK Corporate Fixed Interest6.6
US Equities2.5
Europe ex UK Equities1.6
European Equities0.2
Global Corporate Fixed Interest0.2
North American Equities0.1
Asia Pacific Equities0.1
Other Holdings11.6





April 2014 This month I bought Baillie Gifford Managed for my Fidelity Sipp and Baillie Gifford Shin Nippon and iShares Global Clean Energy for my ISA.


Regular contibutions went into:
Fundsmith, BR CIF Emerging Markets, HSBC European Index, Herald and FTSE 250 Index for the ISA
BR Aquila World and SL Bond for the LGPS AVCs and my long standing small payment into the CIS Pension.

Current Total: £71,203
Overall Increase: £4,898

 (a proportion of the increase is down to the fact that I have now had a valuation on my CIS pension which has increased by around £2000 over the year - £564 paid in). Also the profit/loss on the CIS funds is completely wrong as they have been drip-fed over the last 6 years or so which makes the correct figures impossible to calculate at this point).

Valuation

April 2014
NameUnitsWeightTotal cost (GBP)GBP ValueProfit/Loss
GBP%
Baillie Gifford Managed B Acc146.651.4%1000993.55-6.45-0.65
BlackRock CIF Emerging Markets Equity Tracker L275.140.41%288.62901.40.49
CIS UK Growth Inc8468.8255.96%39694.8839845.8150.920.38
CIS US Growth Inc57.290.1%70.2270.580.360.51
Fundsmith Equity T Acc286.890.66%469.86472.652.790.59
HSBC European Index Ret Acc55.470.48%339.7344.524.821.42
HSBC FTSE 250 Index Ret Acc172.320.47%336.59335.16-1.43-0.42
Total--59.48%42199.8542352.26152.410.36
Investment Trusts
NameUnitsWeightTotal cost (GBP)GBP ValueProfit/Loss
GBP%
Baillie Gifford Shin Nippon PLC810.33%247.56236.12-11.44-4.62
Herald Investment Trust plc580.54%402.04387.3-14.74-3.67
Total--0.88%649.6623.42-26.18-4.03
Pension Funds
NameUnitsWeightTotal cost (GBP)GBP ValueProfit/Loss
GBP%
CIS With Profits Pn7783.0724.12%17104.231717772.770.43
SL BlackRock Aquila HP World Ex UK Index Pn S4362.440.85%604.83602.01-2.82-0.47
Stan Life Corporate Bond Pn S3 GBP1040.29%201.08203.112.031.01
Total--25.25%17910.1417982.1371.990.4
Exchange Traded Funds
NameUnitsWeightTotal cost (GBP)GBP ValueProfit/Loss
GBP%
iShares Global Clean Energy UCITS ETF GBP670.35%251.12245.68-5.44-2.17
Total--0.35%251.12245.68-5.44-2.17
Cash
Account NameAccount TypeWeightBalance
SantanderCurrent Account14.04%10000
Total--14.04%--
GBP ValueGBP Profit/Loss
Grand Total71203.49192.78



Asset Classes Total(%)
UK Equities58.7
Money Market16.1
UK Corporate Fixed Interest7.1
US Equities2.8
Europe ex UK Equities2
Japanese Equities0.3
North American Equities0.3
Commodity & Energy0.3
Global Corporate Fixed Interest0.2
Other Holdings12.2

May 2014

 This month I bought Baillie Gifford Managed and Investec Cautious for my Fidelity Sipp.

Regular contibutions went into:
Fundsmith, BR CIF Emerging Markets, HSBC European Index, Herald and FTSE 250 Index for the ISA
BR Aquila World and SL Bond for the LGPS AVCs and my long standing small payment into the CIS Pension.

Current Total: £73,083.
Monthly Increase: £1,880
Cumulative Increase: £6,738

IMA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Baillie Gifford Managed B Acc164.871.57%1,124.971,145.6820.711.84
BlackRock CIF Emerging Markets Equity Tracker L366.140.55%389.7404.9515.253.91
CIS UK Growth Inc8468.8254.66%39,694.8839,947.42252.540.64
CIS US Growth Inc57.290.10%70.2272.872.653.77
Fundsmith Equity T Acc345.890.81%568.86590.6821.823.84
HSBC European Index Ret Acc71.470.62%438.76451.2612.52.85
HSBC FTSE 250 Index Ret Acc224.320.60%436.33440.564.230.97
Investec Cautious Managed I Acc GBP586.251.27%925929.264.260.46
Total--60.18%43,648.7243,982.71333.990.77
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Baillie Gifford Shin Nippon PLC810.33%247.56243.4-4.16-1.68
Herald Investment Trust plc720.67%495488.7-6.3-1.27
Total--1.00%742.56732.1-10.46-1.41
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
CIS With Profits Pn7783.0723.65%17,104.2317,285.50181.271.06
SL BlackRock Aquila HP World Ex UK Index Pn S4361.250.85%603.16617.7414.582.42
Stan Life Corporate Bond Pn S3 GBP1040.28%201.08205.824.742.36
Total--24.78%17,908.4718,109.06200.591.12
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
iShares Global Clean Energy UCITS ETF GBP670.36%251.12259.788.663.45
Total--0.36%251.12259.788.663.45
Cash
Account NameAccount TypeWeightBalance
SantanderCurrent Account13.68%10,000.00
Total--13.68%--
GBP Profit/Loss
Grand Total73,083.65532.78


UK Equities56.5
Money Market17.3
UK Corporate Fixed Interest7.2
US Equities2.8
Europe ex UK Equities2
Commodity & Energy0.5
Japanese Equities0.4
North American Equities0.3
European Equities0.3
Other Holdings12.7


This month I bought Aberdeen Asian Smaller Companies (IT) - initial payment (£300) for my ISA

Regular contibutions went into:
  • Baillie Gifford Managed (£125) and Investec Cautious (£125) - SIPP
  • Fundsmith (£100), Baillie Gifford Shin Nippon (£200) and  IShares Global Clean Energy (£220) - ISA
  • BR Aquila World (£150) and SL Bond (£50) - LGPS AVCs 
  • CIS Pension FSAVC - £45

Total: £1,265

Current Total: £73,871
Monthly Increase: £788
Cumulative Increase: £7,526
MA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Baillie Gifford Managed B Acc179.421.66%1,224.991,225.800.810.07
BlackRock CIF Emerging Markets Equity Tracker L366.140.55%389.7406.4216.724.29
CIS UK Growth Inc8468.8253.05%39,694.8839,185.23-509.65-1.28
CIS US Growth Inc57.290.10%70.2274.023.85.41
Fundsmith Equity T Acc404.890.93%669.35683.6614.312.14
HSBC European Index Ret Acc71.470.60%438.76440.041.280.29
HSBC FTSE 250 Index Ret Acc224.320.58%436.33430.25-6.08-1.39
Investec Cautious Managed I Acc GBP649.511.39%1,025.001,025.250.250.02
Total--58.85%43,949.2343,470.66-478.57-1.09
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Aberdeen Asian Smaller Companies Investment Trust PLC Ord320.39%292.64288.8-3.84-1.31
Baillie Gifford Shin Nippon PLC1410.62%446.46455.789.322.09
Herald Investment Trust plc720.63%495463.86-31.14-6.29
Total--1.64%1,234.101,208.44-25.66-2.08
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
CIS With Profits Pn7832.4623.66%17,214.2317,474.30260.071.51
SL BlackRock Aquila HP World Ex UK Index Pn S4539.651.25%905.16922.2617.11.89
Stan Life Corporate Bond Pn S3 GBP155.260.42%300.29306.956.662.22
Total--25.32%18,419.6818,703.52283.841.54
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
iShares Global Clean Energy UCITS ETF GBP1210.66%467.95488.3820.434.37
Total--0.66%467.95488.3820.434.37
Cash
Account NameAccount TypeWeightBalance
SantanderCurrent Account13.54%10,000.00
Total--13.54%--
GBP ValueGBP Profit/Loss
Grand Total73,871.00-199.96

Asset ClassesTotal(%)
UK Equities56.4
Money Market15.9
UK Corporate Fixed Interest7.3
US Equities3.1
Europe ex UK Equities2.1
Japanese Equities0.7
Commodity & Energy0.7
European Equities0.4
Global Corporate Fixed Interest0.3
Other Holdings13.1

Grand Total (Incl J's Portfolio) -  £97,226.47
Target - £173,000

 July 2014

 This month regular contributions went into:
  • Baillie Gifford Managed (£125) and Investec Cautious (£125) - SIPP
  • Fundsmith (£100), Baillie Gifford Shin Nippon (£100), HSBC FTSE 250 Index (£100), Herald IT (£100) and  IShares Global Clean Energy (£100) - ISA
  • BR Aquila World (£150) and SL Bond (£50) - LGPS AVCs 
  • CIS Pension FSAVC - £45
Current Total: £74,033.13
Monthly Increase: £162.12
Cumulative Increase: £7,688.13
IMA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Baillie Gifford Managed B Acc208.541.91%1,425.031,411.40-13.63-0.96
BlackRock CIF Emerging Markets Equity Tracker L366.140.56%389.7415.9426.246.73
CIS UK Growth Inc8468.8251.47%39,694.8838,101.22-1,593.66-4.01
CIS US Growth Inc57.290.10%70.2273.273.054.34
Fundsmith Equity T Acc462.891.05%768.5777.569.061.18
HSBC European Index Ret Acc71.470.57%438.76420.96-17.8-4.06
HSBC FTSE 250 Index Ret Acc276.320.70%536.59519.21-17.38-3.24
Investec Cautious Managed I Acc GBP776.351.64%1,225.001,215.84-9.16-0.75
Total--57.99%44,548.6842,935.40-1,613.28-3.62
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Aberdeen Asian Smaller Companies Investment Trust PLC Ord320.40%292.64295.62.961.01
Baillie Gifford Shin Nippon PLC1710.75%543.36552.128.761.61
Herald Investment Trust plc870.74%593.66547.45-46.21-7.78
Total--1.88%1,429.661,395.16-34.5-2.41
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
CIS With Profits Pn7856.4623.77%17,267.9117,600.12332.211.92
SL BlackRock Aquila HP World Ex UK Index Pn S4627.041.44%1,054.951,065.3410.390.98
Stan Life Corporate Bond Pn S3 GBP180.690.48%350.26358.318.052.3
Total--25.70%18,673.1219,023.77350.651.88
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
iShares Global Clean Energy UCITS ETF GBP1460.76%566.74562.8-3.94-0.7
Total--0.76%566.74562.8-3.94-0.7
ccount NameAccount TypeWeightBalanceGBP Value
Cash SIPPOther Asset0.14%100100
II Cash ISACash ISA0.02%1616
SantanderCurrent Account13.51%10,000.0010,000.00
Total--13.66%--10,116.00
GBP ValueGBP Profit/Loss
Grand Total74,033.13-1,301.07

Grand Total (Incl J's Portfolio) -  £104,358.40. This has risen sharply this month due to the fact that I am now including our Halifax Saver account (current balance £6,000) for the sake of completeness. The cash ISA/SIPP entries are there so that I can account for funds I have in II/Fidelity waiting to be invested.
Target - £173,000

 August 2014

 This month regular contributions went into:
  • Baillie Gifford Managed (£125) and Investec Cautious (£125) - SIPP
  • Fundsmith (£120), (£100), HSBC European Index (£100), Herald IT (£100), BlackRock EM Index (£100) and  IShares Global Clean Energy (£120) - ISA
  • BR Aquila World (£150) and SL Bond (£50) - LGPS AVCs 
  • CIS Pension FSAVC - £45
Current Total: £77,032.12
Monthly Increase: £2,998.99
Cumulative Increase: £10,687.12
MA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Baillie Gifford Managed B Acc226.452.06%1,549.081,585.3836.32.34
BlackRock Emerging Markets Equity Tracker L450.520.70%491.12539.2748.159.8
CIS UK Growth Inc8468.8251.44%39,694.8839,625.61-69.27-0.17
CIS US Growth Inc57.290.10%70.22776.789.66
Fundsmith Equity T Acc531.191.21%888.01930.1142.14.74
HSBC European Index Ret Acc87.920.69%538.79533.85-4.94-0.92
HSBC FTSE 250 Index Ret Acc276.320.70%536.59540.213.620.67
Investec Cautious Managed I Acc GBP855.41.78%1,350.001,369.5019.51.44
Total--58.68%45,118.6945,200.9382.240.18
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Aberdeen Asian Smaller Companies Investment Trust PLC Ord320.40%292.64305.1212.484.26
Baillie Gifford Shin Nippon PLC1710.72%543.36554.911.542.12
Herald Investment Trust plc1020.89%693.41687.99-5.42-0.78
Total--2.01%1,529.411,548.0018.591.22
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
CIS With Profits Pn7881.8723.07%17,324.9217,774.01449.092.59
SL BlackRock Aquila Connect World Ex UK Index Pn S4715.531.64%1,204.941,263.6358.694.87
Stan Life Corporate Bond Pn S3 GBP205.860.54%400.4418.5118.114.52
Total--25.26%18,930.2619,456.15525.892.78
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
iShares Global Clean Energy UCITS ETF GBP1740.94%683.86722.0538.195.58
Total--0.94%683.86722.0438.185.58
Cash
Account NameAccount TypeWeightBalanceGBP Value
Cash SIPPOther Asset0.13%100100
II Cash ISACash ISA0.01%55
SantanderCurrent Account12.98%10,000.0010,000.00
Total--13.12%--10,105.00
Grand TotalGBP ValueGBP Profit/Loss
77,032.12664.9

Asset ClassesTotal(%)
UK Equities56.2
Money Market14.9
UK Corporate Fixed Interest7.1
US Equities3.5
Europe ex UK Equities2.1
Commodity & Energy1
Japanese Equities0.9
European Equities0.5
North American Equities0.4
Other Holdings13.5
Grand Total (Incl J's Portfolio) -  £107,919.30.
Target - £173,000.

 September 2014
This month regular contributions went into:
  • Baillie Gifford Managed (£125) and Investec Cautious (£125) - SIPP
  • Aberdeen Asian Smaller Cos (£200), HSBC European Index (£150) and BlackRock EM Index (£150) - ISA
  • BR Aquila World (£150) and SL Bond (£50) - LGPS AVCs 
  • CIS Pension FSAVC - £45
My ISA transfer finally completed so I sold £9,756 of my CIS UK Growth fund and have so far used it to buy £2,995 TR European Growth IT and £2,998 of a global property tracker - iShares Epra/Nareit Dev Markets. The rest is still sitting in my ISA as cash.

 Current Total: £78,245.04
Monthly Increase: £1,212.92
Cumulative Increase: £11,900.04
IMA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Baillie Gifford Managed B Acc240.822.11%1,648.841,654.435.590.34
BlackRock Emerging Markets Equity Tracker L580.950.85%643.2668.0924.893.87
CIS UK Growth Inc6368.8237.04%29,808.6128,984.50-824.11-2.76
CIS US Growth Inc57.290.10%70.2277.637.4110.55
Fidelity Index World P978.021.34%996.661,051.3754.715.49
Fundsmith Equity T Acc531.191.20%888.01940.8452.835.95
HSBC European Index Ret Acc112.640.86%688.79675.95-12.84-1.86
HSBC FTSE 250 Index Ret Acc276.320.67%536.59523.63-12.96-2.42
Investec Cautious Managed I Acc GBP918.071.85%1,450.001,448.35-1.65-0.11
Total--46.04%36,730.9236,024.78-706.14-1.92
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Aberdeen Asian Smaller Companies Investment Trust PLC Ord510.65%482.64506.0523.414.85
Baillie Gifford Shin Nippon PLC1710.70%543.36551.488.121.49
Herald Investment Trust plc1020.87%693.41677.02-16.39-2.36
TR European Growth Trust PLC5543.69%2,947.282,889.11-58.17-1.97
Total--5.91%4,666.694,623.65-43.04-0.92
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
CIS With Profits Pn7907.0822.88%17,381.9217,899.49517.572.98
SL BlackRock Aquila Connect World Ex UK Index Pn S4799.191.81%1,354.441,413.7759.334.38
Stan Life Corporate Bond Pn S3 GBP230.490.59%449.91465.3615.453.43
Total--25.28%19,186.2719,778.62592.353.09
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
iShares Developed Markets Property Yield UCITS ETF GBP2113.83%3,003.842,993.39-10.45-0.35
iShares Global Clean Energy UCITS ETF GBP1740.87%683.86684.60.740.11
Total--4.70%3,687.703,677.99-9.71-0.26
Cash
Account NameAccount TypeWeightBalanceGBP Value
Cash SIPPOther Asset0.45%350350
II Cash ISACash ISA4.84%3,790.003,790.00
SantanderCurrent Account12.78%10,000.0010,000.00
Total--18.07%--14,140.00

   GBP ValueGBP Profit/Loss
Grand Total     78,245.04-166.54

Asset ClassesTotal(%)
UK Equities42
Money Market19.8
UK Corporate Fixed Interest6.8
US Equities3.5
Property Shares3.3
Europe ex UK Equities2
Commodity & Energy0.9
Japanese Equities0.9
German Equities0.9
Other Holdings20
Grand Total (Incl J's Portfolio) -  £108,303.10
Target - £173,000.

October 2014

 This month contributions went into:
  • Baillie Gifford Managed (£125), Investec Cautious (£125) and Fidelity World Index (£1000) - SIPP
  • Herald IT (£400), HSBC European Index (£500), BlackRock EM Index (£400) HSBC FTSE 250 tracker (£500), Fundsmith (£400) and AXA Framlington Biotech (£2000)  - ISA (most of these buys were made with cash remaining from the sale of some of my CIS UK Growth fund)
  • BR Aquila World (£150) and SL Bond (£50) - LGPS AVCs 
  • CIS Pension FSAVC - £45
Current Total: £79,869.67
Monthly Increase: £1,624.63
Cumulative Increase: £13,524.67

IMA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
AXA Framlington Biotech Z Acc878.732.79%1,999.992,228.46228.4711.42
Baillie Gifford Corporate Bond B Acc5.580.01%1010.020.020.2
Baillie Gifford Managed B Acc258.442.22%1,767.051,773.936.880.39
BlackRock Emerging Markets Equity Tracker L936.191.38%1,048.881,101.9053.025.05
CIS UK Growth Inc6368.8236.31%29,808.6128,997.24-811.37-2.72
CIS US Growth Inc57.290.10%70.2278.378.1511.61
Fidelity Index World P1189.981.64%1,216.661,308.6291.967.56
Fundsmith Equity T Acc754.491.76%1,286.351,405.92119.579.3
HSBC European Index Ret Acc199.251.48%1,188.791,184.14-4.65-0.39
HSBC FTSE 250 Index Ret Acc544.221.31%1,035.151,044.369.210.89
Investec Cautious Managed I Acc GBP989.181.91%1,559.981,529.37-30.61-1.96
Total--50.91%40,991.6840,662.35-329.33-0.8
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
Aberdeen Asian Smaller Companies Investment Trust PLC Ord510.63%482.64501.4618.823.9
Baillie Gifford Shin Nippon PLC1710.66%543.36525.61-17.75-3.27
Herald Investment Trust plc1661.34%1,090.851,070.28-20.57-1.89
TR European Growth Trust PLC5543.43%2,947.282,740.92-206.36-7
Total--6.06%5,064.134,838.26-225.87-4.46
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
CIS With Profits Pn7932.2922.54%17,438.9317,999.87560.943.22
SL BlackRock Aquila Connect World Ex UK Index Pn S4799.191.76%1,354.441,405.7851.343.79
Stan Life Corporate Bond Pn S3 GBP328.950.84%650.67669.7419.072.93
Total--25.14%19,444.0420,075.42631.383.25
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP0%
iShares Developed Markets Property Yield UCITS ETF GBP2114.03%3,003.843,215.85212.017.06
iShares Global Clean Energy UCITS ETF GBP1740.82%683.86654.14-29.72-4.35
Total--4.85%3,687.703,869.98182.284.94
Cash
Account NameAccount TypeWeightBalanceGBP Value
Cash SIPPOther Asset0.44%350350
II Cash ISACash ISA0.09%73.6673.66
SantanderCurrent Account12.52%10,000.0010,000.00
Total--13.05%--10,423.66
GBP ValueGBP Profit/Loss
Grand Total79,869.67258.46
Asset ClassesTotal (%)
UK Equities45.4
Money Market14.9
UK Corporate Fixed Interest7.2
US Equities4.1
Property Shares3.7
Europe ex UK Equities2.1
German Equities1
Japanese Equities1
Commodity & Energy0.9
Other Holdings19.6

Grand Total (Incl J's Portfolio) -  £108,669.34
Target - £173,000.

 November 2014

This month contributions went into:
  • Baillie Gifford Managed, Investec Cautious, Baillie Gifford Corporate Bond and Fidelity World Index - SIPP
  • Herald IT, BlackRock EM Index, Fundsmith, Baille Gifford Shin Nippon, Aberdeen Asian Small Companies, IShares Global Clean Energy,   - ISA (most of these buys were made with cash from the sale of some of my CIS UK Growth fund)
  • SL Bond (£50) - LGPS AVCs 
  • CIS Pension FSAVC - £45
Current Total: £83,920.55
Monthly Increase: £4,050.88
Cumulative Increase: £17,575.55
IMA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
AXA Framlington Biotech Z Acc878.732.77%1,999.992,328.63328.6416.43
Baillie Gifford Corporate Bond B Acc127.280.28%229.57231.652.080.91
Baillie Gifford Managed B Acc289.712.43%1,986.352,039.5653.212.68
BlackRock Emerging Markets Equity Tracker L1771.612.52%2,063.082,118.8555.772.7
CIS UK Growth Inc4268.824.10%19,999.3320,225.57226.241.13
CIS US Growth Inc57.290.10%70.2284.1613.9419.85
Fidelity Index World P1580.242.15%1,656.671,803.37146.78.86
Fundsmith Equity T Acc1514.373.58%2,780.433,007.24226.818.16
HSBC European Index Ret Acc199.251.48%1,188.791,242.3253.534.5
HSBC FTSE 250 Index Ret Acc544.221.27%1,035.151,066.6731.523.04
Investec Cautious Managed I Acc GBP1129.392.13%1,779.981,785.005.020.28
Total--42.82%34,789.5635,933.021,143.463.29
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
Aberdeen Asian Smaller Companies Investment Trust PLC Ord1541.73%1,464.231,448.37-15.86-1.08
Baillie Gifford Shin Nippon PLC4961.81%1,529.741,515.90-13.84-0.9
Herald Investment Trust plc3152.48%2,070.532,085.3014.770.71
TR European Growth Trust PLC5633.46%2,993.452,900.86-92.59-3.09
Total--9.47%8,057.957,950.44-107.51-1.33
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
CIS With Profits Pn8215.0922.45%18,080.9318,840.32759.394.2
SL BlackRock Aquila Connect World Ex UK Index Pn S4799.191.78%1,354.441,495.28140.8410.4
Stan Life Corporate Bond Pn S3 GBP353.750.88%701.49735.4533.964.84
Total--25.11%20,136.8621,071.06934.24.64
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
iShares Developed Markets Property Yield UCITS ETF GBP2113.97%3,003.843,332.60328.7610.94
iShares Global Clean Energy UCITS ETF GBP4321.95%1,672.441,633.44-39-2.33
Total--5.92%4,676.284,966.03289.756.2
Cash
Account NameAccount TypeWeightBalanceGBP Value
Cash SIPPOther Asset0.36%300300
II Cash ISACash ISA4.41%3,700.003,700.00
SantanderCurrent Account11.92%10,000.0010,000.00
Total--16.68%--14,000.00
Grand TotalGBP ValueGBP Profit/Loss
83,920.552,259.90


Asset ClassesTotal(%)
UK Equities34.3
Money Market18.8
UK Corporate Fixed Interest7
US Equities4.9
Property Shares3.6
Europe ex UK Equities2.1
Japanese Equities1.9
Commodity & Energy1.9
German Equities1
Other Holdings24.5
Grand Total (Incl J's Portfolio) -  £113,795.13
Target - £173,000.

 December 2014

Current Total: £85,348.15
Monthly Increase: £1427.60
Cumulative Increase: £19,003.15
IMA Unit Trusts & OEICs
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
AXA Framlington Biotech Z Acc703.72.24%1,601.621,911.95310.3319.38
Baillie Gifford Corporate Bond B Acc182.260.39%329.58332.993.411.03
Baillie Gifford Managed B Acc326.282.66%2,236.382,274.1737.791.69
BlackRock Emerging Markets Equity Tracker L1771.612.37%2,063.082,019.64-43.44-2.11
CIS UK Growth Inc4268.823.61%19,999.3320,153.00153.670.77
CIS US Growth Inc57.290.10%70.2285.315.0821.48
Fidelity Index World P1975.222.63%2,094.902,244.24149.347.13
Fundsmith Equity T Acc1514.373.55%2,780.433,028.74248.318.93
HSBC European Index Ret Acc199.251.40%1,188.791,195.907.110.6
HSBC FTSE 250 Index Ret Acc944.472.20%1,831.651,881.3849.732.72
Investec Cautious Managed I Acc GBP1304.652.41%2,054.972,054.95-0.020
Total--43.57%36,250.9537,182.23931.282.57
Investment Trusts
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
Aberdeen Asian Smaller Companies Investment Trust PLC Ord1541.64%1,464.231,401.40-62.83-4.29
Baillie Gifford Shin Nippon PLC6542.37%2,020.922,026.585.660.28
BlackRock World Mining IT5011.82%1,455.401,554.8599.456.83
Herald Investment Trust plc3903.01%2,563.282,570.106.820.27
TR European Growth Trust PLC5633.39%2,993.452,896.64-96.81-3.23
Total--12.24%10,497.2810,449.55-47.73-0.45
Pension Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
CIS With Profits Pn8215.0922.19%18,080.9318,942.60861.674.77
SL BlackRock Aquila Connect World Ex UK Index Pn S4799.191.76%1,354.441,505.67151.2311.17
Stan Life Corporate Bond Pn S3 GBP377.730.93%751.13789.8338.75.15
Total--24.88%20,186.5021,238.091,051.595.21
Exchange Traded Funds
Name
Units
Weight
Total cost (GBP)
GBP Value
Profit/Loss
GBP%
iShares Developed Markets Property Yield UCITS ETF GBP2114.00%3,003.843,414.38410.5413.67
iShares Global Clean Energy UCITS ETF GBP4321.85%1,672.441,575.55-96.89-5.79
iShares S&P SmallCap 600 UCITS ETF GBP260.91%774.82780.355.530.71
Total--6.76%5,451.105,770.28319.185.86
Cash
Account NameAccount TypeWeightBalanceGBP Value
Cash SIPPOther Asset0.57%485485
II Cash ISACash ISA0.26%223223
SantanderCurrent Account11.72%10,000.0010,000.00
Total--12.55%--10,708.00
GBP ValueGBP Profit/Loss
Grand Total85,348.152,254.32

Asset ClassesTotal(%)
UK Equities36.2
Money Market14.8
UK Corporate Fixed Interest7.2
US Equities5.9
Property Shares3.8
Commodity & Energy3.6
Japanese Equities2.6
Europe ex UK Equities2.2
German Equities1
Other Holdings22.7

Grand Total (Incl J's Portfolio) -  £115,465.70
Target - £173,000.

8 comments:

  1. weenie7 June 2014 at 13:09

    Hi there
    I thought I'd swing by seeing as you stopped at my blog!
    I love looking at other people's portfolios and investments just to see what everyone else is doing. You seem to have a good diversified spread, including investment trusts and ETFs, which I don't (yet) have in my portfolio - I must read up more about them!
    I see that you started your blog the month before I started mine - good luck in your endeavours to fund early retirement, I'll continue to follow with interest!

    ReplyDelete
    Replies
    1. Cerridwen7 June 2014 at 21:25

      Thanks weenie. The blog is mostly a "notes to myself" type of venture but I'm only too pleased if anyone else finds it of interest.

      Delete
  2. Under The Money Tree23 July 2014 at 09:20

    Hi,
    I can't help noticing you've got £10k in a Santander current account. I hope this is the 123 account rather than a bog standard (low interest) current account?

    ReplyDelete
  3. Cerridwen23 July 2014 at 22:39

    Many thanks UTMT. It is the 123 account. Husband and I have £20,000 between us.

    ReplyDelete
  4. DivHut22 August 2014 at 10:30

    Thanks for sharing your monthly updates with us. I have to say that a lot of your portfolio is very unfamiliar to me. I guess that's what happens when you are a U.S. investor. Learning about great foreign companies becomes a real challenge and of course the tax implications on receiving foreign dividends etc. Still, it is great to see and learn about new entities. Look forward to your next update.

    ReplyDelete
  5. Cerridwen22 August 2014 at 15:15

    Many thanks for your comment DivHut.

    I'm sticking with funds, trackers and investment trusts at the moment as I'm pretty new to this and don't yet have the confidence to be sure that I could pick stocks wisely. But I do like the idea of researching companies and taking an interest in how they're doing so once I've done a little more reading I'm sure I'll take the plunge and have a go.

    I've bookmarked your blog as you have some great tips for what to look out for. Thanks again for stopping by.

    ReplyDelete
  6. Financial Independence UK1 January 2015 at 17:30

    Hi Cerridwen

    Happy New Year

    It's fascinating to see other peoples portfolio, as although we are looking to achieve a similar ultimate goal (become Financially Independent) , we are approaching it completely differently (you are invested in funds, I am invested in individual shares) , but as they say, there is more than one way to skin a cat, and there is nothing to say that they can't both work.

    I probably will continue with individual shares, as it is something I am very interested in anyway, but will follow your progress with interest as I will need to increase my non UK exposure at some time (I currently do this in my company pension as we can pick which funds my money is invested in, and have just changed it to be all non UK from 70%non UK previously - I looked at the major holdings and the top 10 were nearly all in my SIPP / ISA anyway).

    It was also interesting that US had significantly outperformed UK, as although I was paying the same percentage into each, the value of the US fund was about 15% higher than the value of the UK. I think this is probably a long established trend (FTSE & DOW were equal at one time, now DOW is 2.5 times higher).

    Best Wishes for 2015
    FI UK

    ReplyDelete
  7. Cerridwen1 January 2015 at 19:34

    Thanks FI UK,

    You are quite right, investing seems to be about getting the mix right for our own particular circumstances and goals - there is no "right" way. Best wishes to yourself too :-)

    ReplyDelete

Subscribe to: Posts (Atom)