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My Investing Portfolio

This page transparently breaks down my investment portfolio. I have tracked my portfolio since I first begun, however, some data starts later. I am showing this to document my growth, which I hope will inspire you to begin or continue on your own journey. We all start from somewhere - but the sooner we start, the wider the range of outcomes. If you haven't already, start now!

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My Live Portfolio

This section is my up to date, live portfolio. Everything is updated live except for my pension, which is manually updated every weekend. Sharesave is the full value of the options I have in Santander - though I pay for this out of my pay each month. This difference is treated as a debt in the net worth section. Crowdcube positions are only valued at their cost. You need to refresh the page to update values.

 

The current value of the stocks in my portfolio is below.

This second chart shows all of my positions' live values.

Below are my live holdings. This shows the cost, the profit and the current value of each of my positions. For live profits, it assumes all deposits are from myself. Therefore employer contributions and LISA bonuses etc. are seen as my own personal deposits and not profit.

Finally, the below gauges show the percentage gain on my live positions based on their entire history (including buys and sells in and out of them). This is how the investments themselves have performed.

 

Portfolio Perfomance

This is how my portfolio has grown over time. You can see the my portfolio value grow, and how much I have been investing. The deposits are the amount of money I have personally invested. LISA bonuses and employer pension contributions are not included in the deposit figure, and are therefore treated as profits.

Below compares my portfolio's performance with the S&P 500. It compares my investments' performance with the equivalent in the VUSA ETF - based on it's closing price each week and how much in total was invested - not just my own personal deposits like in the other graphs. Though useful, I have essentially no control over the investments in my pension. It's just good to know if I am close to tracking the S&P 500.

Now onto my profit percentage. This is useful as it essentially adjusts my returns after accounting for deposits. However, it can be negatively impacted by new deposits as these haven't been given a chance to grow. The profit percentage also includes live Crowdcube investments. As lives Crowdcube investments have 0% gain, they are reducing the true return amount.

Below shows the total deposits that go into my portfolio. Please note I am only using the net bank deposits. In the S&P 500 comparison it uses the total of all of the below. Please note this is a stacked graph.

This is my favourite portfolio graph. This first thing to look at is how my potential annual income has grown (in the dark blue). This is simply 4% my portfolio value - as suggested by the 4% rule, which is roughly how much of your portfolio you can withdraw per year. This value can be higher or lower based on a number of circumstances, it is indicative only.

What makes this graph interesting is comparing it to the total lifetime deposits into the portfolio, as you can see in the light blue. Once the potential income line meets the deposits line, this means that each year my portfolio will be paying me the total amount I've ever put into it! This is what the red line is showing - at 100% this will be the case. 

 

Net Worth

Below shows my net worth. This is my assets (cash and investments) minus any liabilities (credit cards, overdrafts etc.). For the purposes of my net worth, my student loans are not included. Due to the way these are paid as a deduction and are forgivable, I don't believe it is fair to include them. You can also see how this is change from last month. My net worth is tracked weekly, so this is compared to 4 weeks prior.

Now let's see how my net worth has changed over time. The red line below shows my net worth, and the bar charts show my total assets and total liabilities averaged over each month.

My main goal is to get to a £100k net worth by age 30 (June 2030). The trendline for this at an 8% return is seen in red. The blue line shows my linear trajectory based on the current trend. As it's linear, it under-represents the true trajectory. Light blue bars mean I am on or above target, dark blue bars mean I am behind target. Larger contributions and greater than 8% returns can help me reach my 100k goal.