Month 4: 1.34% down, £900 invested

I am a little late putting this blog post together, and am seeing a significant drop in the market which appears to be spurred on by the war between Russia and Ukraine.

April marked a £12.10 drop in the value of my total portfolio, after investing another £100 into each of three buckets of investments, bringing my total investment to £900.

However, as I am reporting this a little late, my title shows the percentage change as of the end of April, but my figures below do include a larger drop as a result of the war, stock market crash and potential recession on our hands, where my portfolio has dropped by almost £70 in total (almost 7.5%!) by the 10th of May.

This month I am not opening up any new investments, so am continuing to invest a total of £300, but may increase that to £400 in total next month.

About my investments:

Every month I use Freetrade to invest £100 into each of several buckets of investments. If you’re a new customer and are referred to them (you can join here), you’ll also get a free, random share in a company or other fund, worth between £3 and £200.

Portfolio so far

100 EM Core

I added another £100 into this bucket of investments, buying a couple of shares of VUSA while also making use of some of the left-over cash.

Growth as of the 10th May, as you can see, has been negative, predominantly because of the recent stock market crash. Regardless, these typically hold very worthwhile companies to invest in, so I will continue the quest.

100 EM Clean

A little of each went into the pot this month, with 6 more shares of Global Clean Energy and 1 more of Global Clean Water.

Towards the start of April this was looking good, but that quickly took a tumble later in the month.

I do consider these to be good long-term investments and in a sense am happy to be gearing up to buy more shares at a discount towards the end of May

100 EM Future

This month I added 10 shares of RBTX, as a way to slightly keep away from my blockchain investments. Not that I consider those to be bad investments, but that I expected a larger drop in the blockchain industry – and it looks like I was roughly right – as a related impact of the war.

For next month, I will likely buy a share of BCHS and 1-2 of RBTX.

Happening Recently

  • It is pay-review season at work, however, as I received a massive 45% increase last year it is looking as though my new pay rise may be just a couple of percent – or potentially even zero
  • I am being offered a share option which would vest if the company were to sell, but this is not a significant number (a few months of work)
  • My side business is slowly starting to pick up again, but not exceeding £500/month revenue at the moment. We expect slow months due to being out of the regular season but this is still uncommonly low compared to the last few years.
  • I am working towards establishing myself as a course creator in my main industry (of which I have 16 years experience) and will be looking to market several courses at the £500-1000 mark, and a few smaller ones at the £50-250 mark, later this year. My aim will be a regular income of at least £1,000 per month within 6-12 months.
    • I do have to consider that while it is definitely possible to do this at low-cost, I do expect to have to invest in advertising as a means to test market-fit, and so I am going to estimate that I’ll need to make at least a £5k investment at least to begin with in the next year, which would then scale upwards if/when making sales

Upcoming Changes

  • Ongoing from last month: I may look at altering the VS FTSE100 comparison for my charts, as I don’t think the FTSE100 return is completely accurate as a comparison here.
    • Or, I may look at changing the comparison to something else.
  • Ongoing from last month: I may look into getting details about my pension on here, so that I can also track that. I think that may be a little more difficult as I don’t have manual control over that, so it may be a little less accurate than my ISA portfolio.
  • Postponed from last month: Next month I will be opening up 100 EM Global, a new bucket of investments that will focus on ETFs that invest in global companies that have good and strong growth prospects.
  • Ongoing from last month: Just in the short term, I may slow down some of my investments so that I don’t open up any new investments while I aim to pay off debts at a faster rate (I will continue to invest £100/month into each of the above, however). Doing this will decrease my credit utilisation which should benefit me when I can use my LISA towards a deposit for a house.
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