April 2025 Savings, plus other updates

A bit of a social-spendy month, from a few outings with friends, including another enjoyable FIRE meet up in the pub.

Work has been really busy but I’m managing to not let myself get overwhelmed and am making sure I’m making it to the gym as usual and not having late nights.

However, thoughts of not having to do the stuff I don’t like doing when I retire seem to cross my mind a lot more often these days.

The company I’m working for wants to continue growing via acquisitions so I’ve been dragged into due diligence projects.  I had thought last year’s acquisition would have satisfied the big dogs at the top for a while but evidently not.

There was a time in my career when I would have been the first to volunteer for such projects, just to do something different, to get some recognition perhaps; now, I just want to get on with my day to day job and I find these distractions annoying.

Anyway, how did my numbers look in April?

I saved 23% of my net salary.  The above includes £23.44 from doing Prolific surveys, plus a rare payment of £67.67 from Google ads.

I got a small pay rise (the max available from the business) – I shall split the extra pay  across my investments and my mortgage overpayments but this will be from June as I used some of the extra already to buy some new home office furniture to replace old.

Shares and Investment Trusts

No new investments, I just topped up existing ones.

I think I need to do an update on my investments at some point (this post in particular, as it’s been 4 years). There have been times when I’ve said ‘no new investments’ when at some point I have made changes but haven’t always remembered to mention them in the blog, as they would have started off as just small tweaks here and there (though quite a few in total).

Anyway, current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets continued their downward spiral but it wasn’t as bad as I thought and my FF ended up at £295,522.60 by the end of the month.

Dividends and Other Income

Seeing my dividends roll in regardless of what the markets are doing is the only thing  that sparks any real joy (investment-wise) right now:

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Stand up, if you love the DARTS!

Back in January, there was the usual update of Monevator’s Asset Allocation Quilt, a technicolour depiction of the best performance of various different asset classes over the years.

I’ve always been fascinated at seeing which sectors did well. Anyone see any trends? Just a random pattern, right?

Apart from broad commodities being top performers two years in a row (2021 and 2022), it seems like it’s always a different top performer each year.

US equities (S&P 500) have come second 5 times out of the last 10 years and are the top performer in 10 year annualised returns.

The top 3 for 2024 were Gold, US equites (S&P 500) and Global equities. Who would have predicted that in 2023? And what would your predictions be for 2025?

I commented against the update:

Anyway @TA, I did just that – printed off your quilt and stuck it on my dartboard:

My darts throwing is still on the dangerous/lethal side, but only one dart went astray and missed completely, while the other attempts landed first go.

Alas, I hadn’t accounted for what I would do if a dart landed right on the line, between two assets, so I’m just going to present them as an ‘or’:

So the best performers for 2025, as per the darts, will be:

1 – Gold or Emerging Markets

2 – Long Gilts or Intermediate Gilts

3 – Intermediate US Treasuries

Hmm, can Gold really top two years in a row? And what no US equities in the top 3? The last time that happened was 2022.

Anyway, let’s look out for Monevator’s update next year to see how true/rubbish the darts were!

Magnificent Monkey returns!

Long standing readers might recall the Monkey Stocks League challenge I ran which was last updated in 2018?

Basically, I had the idea of readers of my blog/investors competing in a league with £500 portfolios (made up of 5 stocks from FTSE 350).

The stocks would be randomly picked out of a hat (which was done during a face-to-face FIRE meet up in a pub in York), but a number of people joined me in actually buying their stocks for real.

It was all for a bit of fun and was inspired by Burton Malkiel’s book, ‘A Random Walk Down Wall Street‘, where he talked about his theory that blind-folded monkeys throwing darts to pick stocks could perform better than expert stock pickers.

Anyway, with my dartboard out and my throwing arm at the ready, I thought it was time for an updated version of the challenge (just for me this time however). A sheet of the US 500 stocks (randomly sorted) was duly printed off…

So, seven darts to create my own ‘Magnificent Seven Monkey Stocks‘!

As ever, my market timing was astoundingly atrocious, but how could I have known the bottom would fall out of the markets, just after I had bought! Oh well, haha!


The stocks picked by the darts were as follows:

MAT – Mattel Inc
NWL – Newell Brands Inc
STZ – Constellation Brands, Inc
LLY – Eli Lilly & Co
GIS – General Mills Inc
PG – Procter & Gamble Co
HBAN – Huntington Bancshares Inc

There are a couple I hadn’t heard of before but I stuck £100 in each one and will see what happens.

No plan on what to do next. Keep them for a year? Sell when I get x% gains? I guess I’ll just do what I do best, which is to hold for now.

The portfolio’s currently down by -7.09% right now but pretty much everything is down, so nothing unusual.

Let’s hope the darts have predicted ‘great fortune’ for my Magnificent Monkey Stocks! 😀

 

February 2025 Savings, plus other updates

February wasn’t such a great month:

1 – I caught the lurgy that’s been going around. It dragged on for over 2 weeks, not quite bad enough for me to be bed-ridden or take time off work but bad enough that I didn’t feel like leaving the house at all as the cold weather just made me feel worse.

2 – My fridge-freezer broke down. Fortunately it was when I was feeling better so I was able to drop food off at my sister’s and had a big enough appetite to eat a lot of food! The cold weather came in handy as milk etc was fine in my shed but I was sad to have to throw some food away.

Still, it wasn’t all bad:

1 – my new fridge freezer arrived quickly and is a lot quieter than the old one (I hadn’t noticed before). It’s still half empty however, I’ve not gotten around to refilling it so need to get going with my batched cooking again! Rather than dip into my emergency fund for this purchase, I’ve gone for 3 affordable interest free payments with Klarna.

2 – I received one of the employee of the month awards so got £50 Amazon vouchers – yay! Sadly, I was not one of the lucky hard-working ones who won a trip to Vegas! Maybe next year!

3 – attended another enjoyable FIRE pub meet. It’s always good catching up with old friends and meeting new ones.

Anyway, how did my numbers look for Feb?

I saved 24.6% of my net salary.  The above includes £48.44 from doing Prolific surveys.

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The beginnings of a wobble didn’t do too much to my portfolio and my FF remained pretty much flat as a result, at £304,331.51 by the end of the month. March is looking decidedly shaky however, so let’s see how that pans out over the next few weeks.

Dividends and Other Income

A decent month for dividends:

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December 2024 Savings, plus round up

I’d say ‘Happy New Year’ but we’re past that now, aren’t we? 🙂

Being back at work and with it not being as quiet as I had hoped, I found it hard to face  my laptop outside of work hours, so apologies for the lateness of this post.

I was actually in the gym on New Year’s Eve and out litter-picking on New Year’s Day morning – starting as I mean to go on!

Anyway, let’s just get the numbers out of the way for 2024!

I saved 21.5% of my net salary – more than I expected, which I’m surprised at.

The above includes £43.26 from doing Prolific surveys.

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Santa didn’t show up for his rally but wasn’t so mean in the end. As at 31st December 2024, my Future Fund stood at £293,212.02.  That’s a 17% increase from this time last year (that’s 17% including money I’ve added as well as investment gains).

Here’s how it all looks at the end of another year:

Was tempted to have the submarine make an appearance but it’s not that bad!

 

This year will see me breaching the £300k milestone soon!

Using unitization, I’m up just 10.3% this year across my entire portfolio – that’s investments, cash/premium bonds, everything. This figure includes my dividend income portfolio, where many of the UK stock prices continue to remain fairly depressed rubbish.

This is nothing spectacular investment-wise, I’m sure other investors can brag about much bigger gains and I’m happy for them, but happier for me that I’ve got these gains. Go me!

Am I hopeful for 2025?  I’m always hopeful but somehow, I don’t think this year will be quite as good as the last one – just have a feeling that there’s some other global event or disaster just round the corner which will disrupt markets again.

Dividends and Other Income

A great final month for dividends:

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