Month 5: 1.25% down, £1200 invested

I am a little late putting this blog post together, again, due to being abroad for the past couple of weeks. As with last month, we’re still seeing a significant drop in the market due to the war between Russia and Ukraine.

May marked a roughly £15 drop in the value of my total portfolio, after investing another £100 into each of three buckets of investments, bringing my total investment to £1200.

However, as I am reporting this a little late, my title shows the percentage change as of the end of May, 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 about £51 in total (almost 4.25%!) by the 12th of June.

This month I am not opening up any new investments again, so am continuing to invest a total of £300. I am working out my finances and should increase this either late this year or at the start of next year.

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 share of VWRL.

We’re still down, as you might expect during the current economic climate, but I consider this to be a good time to buy while the market is “cheap”.

100 EM Clean

This month I bought 6 shares of Clean Energy and just 1 of Clean Water, which I think was the right thing to do. Right now, there is a lot of uncertainty because of the war and the energy reserves that Russia usually provides to the rest of the world, so it seems natural that governments and companies will be investing more into clean energy initiatives.

Not only that, but it now costs around £125 to fill my diesel’s fuel tank (it was around £65 when I first bought it in 2016…), and everyone’s utility bills have doubled recently, so the average person is likely to be thinking more about clean energy going forward as a way to reduce their costs.

Last month, I was almost £21 down, so being pretty much at the break-even point makes me very happy! Of course, Clean Energy’s price is now above my average cost, so it seems that it may be becoming more costly to invest over time.

100 EM Future

This month I added 5 shares of RBTX and just 1 of BCHS, both, unfortunately for the short term, ultimately resulting in a negative return of about -£36.

As the heading suggests, these are “future” oriented stocks, and I don’t expect to be making much of a return in the short term.

The cryptocurrency space is seeing a large scale crash, spurred on by the stock market crash, the war, recessions and other bad stuff, and the Automation and Robotics industry, I believe, is still hurting from a chip shortage and other delays due to the pandemic.

Happening Recently

  • I had a pay review at work and received a raise of 4.5%. Considering I had a 45% raise about 8 months (due to negotiating after receiving another offer), this is pretty decent.
  • I am awaiting some feedback about a share option at work, as I was previously offered a very tiny percentage, and am hopeful that I can get that number 3x’d.
  • My side business has picked up a bit and we’re making sales daily now, but revenues are still half of what they were last year.

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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