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!
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 with my employer- 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 is measuring my investment profit rather than total profit. Therefore employer contributions and LISA bonuses etc. are seen as my own personal deposits and not profit. Losses display under the cost bar on the scale
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
Below is my portfolio value - attributed to individuals sources. This is a stacked graph, so the red shows my total portfolio value. The red area is the profit from my investments. The blue lines show my personal deposits (e.g. deposits into My ISA, LISA or Pension), my Employer Pension Contributions and Lifetime ISA Government Bonuses. Fees are deducted from my profit figure (I have not tracked these to show separately). I like to show this breakdown, so you can clearly see how my portfolio has grown.
This next graph is the best way to assess the performance of my portfolio. It shows my portfolio value vs what my portfolio value would be if I invested my weekly deposits into Vanguard FTSE All World Accumulating ETF (VWRP) at the weekly closing price. Just to note - as it is based on weekly closing price, it is not 100% accurate, though it is pretty close.
Why VWRP?
I wanted to compare as closely as possible to a diversified stock investment strategy. VWRP is an ETF which tracks the FTSE All-World Index. This index "measures the market performance of large- and mid-capitalisation stocks of companies located around the world... includes approximately 3,900 holdings in nearly 50 countries, including both developed and emerging markets... and covers more than 95% of the global investable market capitalisation".
Source: Vanguard
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 my total personal 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 personally put into it! This is what the red line is showing as a percentage - at 100% this will be the case.
Finally, this chart shows my potential income as a wage. This is based on the full time job I currently work of 1820 hours per year. It feels like I have someone working just for me!
Net Worth
Below shows my net worth. This is my assets (cash and investments) minus any liabilities (credit cards, buy now pay later 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 has changed since 12 months before. To note, I have a Sharesave scheme which deducts money each month from my pay check. I have included the value of these shares in my assets, and therefore the amount I have not paid into this yet is treated as a liability.
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 exponential trajectory based on the current trend. Larger contributions and greater than 8% returns can help me reach my 100k goal.