Dogs of the FTSE 2018 – final update

Just a quick update to say that I’ve reached the twelve-month mark for my 2nd experimental Dogs of the FTSE portfolio.

So how did the mutts perform with the markets going all pear-shaped towards the back-end of last year?

As a reminder, here’s the Dogs of the FTSE strategy:

  1. Choose the ten FTSE 100 shares with the highest yield (subject to my criteria*)
  2. Invest equal amounts in all ten shares
  3. Hold for a year (give or take a week)
  4. At the end of the year, sell the ones no longer in the top ten, replace with new shares with highest yield
  5. Repeat from step 3

[*criteria being that shares already in my portfolio are not included, nor any where a dividend cut has been announced]

Here’s how the 2018 portfolio looked after a year (as at 11th Feb 2019):

 

A very decent 8.77% gain, but if you include dividends, this becomes a mighty 16% gain for the entire portfolio! Nice!

Over this same period, the FTSE 100 Total Return was minus 2.02% so woo hoo, the Dogs romped home this year! 🙂

Ok, so most of the gains were from just one stock (Evraz) but with some other gains (eg National Grid and United Utilities), the small losses made little impact on the portfolio.

What’s Next?

I do intend to run a 2019 portfolio, or rather a 2019/20 portfolio but there will be a slight delay, because I’m going to wait til next tax year as I plan to use a different ISA account for this experiment.

So for now, I will just hang onto all the Dogs for a while longer and sell/buy when I am able to.

The Dogs will return in April!

January 2019 Savings, plus other updates

Unlike last January, where I tried to lead a frugal nun-like existence, I did no such thing this time round – it was just a really quiet month social-wise, with only one cheeky ‘beer and Nando’s’ session after work on pay day.

All other weekends, I went to the gym or stayed at home, slowly making my way through the alcohol in the house, reading a little and re-watching (and enjoying) old episodes of Doctor Who (I started from the Christopher Eccleston series).

Oh, I did go on my first walk of the year – a 6-mile flat trek along the Bridgewater Canal in Warrington, which was very pleasant. I wore my new waterproof jacket and walking trousers (hand-me-down and a late Christmas present from a family member) so my walking gear is getting a bit more suitable for the good ole British weather!

I also got my first Premium Bond win of the year – hopefully, the first of many!

NS&I’s app informing me of my win!

So, how did I get on with my savings in the first month of the year?

I saved 41.5%, which is a pretty good start.

The above savings includes top ups from £116 matched betting profits (from last month), the £25 premium bond win, £10 lotto winnings, £15 from TopCashback* and £69.02 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

No new investments, just added to existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

I was vaguely aware that the markets had begun to recover a bit but was surprised to see the extent of that recovery when I ran my numbers – my Future Fund is heading in the right direction again, sitting at £151,358. Whilst not all the losses have been recouped, I’m just glad to have crossed the £150k milestone again!

Dividends and Other Income

An average month of dividends: Continue reading

Changes Afoot

So I mentioned in my goals post that one reason why I wanted to keep my goals simple and familiar was because my life (as I know it) was going to be turned ‘upside down’.

Not in a bad way, I was being a little melodramatic there but certainly, there will be a big change happening later in the year.

So what’s the big change? Continue reading

2019 Goals

Before I go into my goals, I will mention that I intend to continue to throw my cash into investments in the face of probable continued turbulent markets, uncertainty due to Brexit and whatever else happens around the world which might cause share prices to go down (or up).

I don’t intend to hoard cash because I don’t know how to time the markets and wouldn’t want the anxiety of trying to decide when to invest so I’m just going to continue investing monthly regardless. Keep calm and carry on and all that.

I need to ensure that my emergency cash funds are topped up (having dipped into them recently to fund some holiday excesses)  – my aim is for them to cover 3 x monthly expenses for now.

Anyway, back to the main topic…Goals!

As with recent years, I find that setting only a few goals works well for me, allowing me to focus, with little room for distraction so I’m going to do something similar exactly the same for 2019.

Not every exciting, I know and perhaps not really stretching either but there’s another reason why I want to keep things simple and familiar, which I will go into later.

So without further ado, here they are:

Continue reading