Total Portfolio Update: July 2021

July has been a month that I can just sum up as steady. Everything to do with getting the new house has now settled into just the normal bills and routine, thankfully. So costs are now back to a normal level, we actually managed to save some cash this month!

The three areas I have seen the most growth in this month are Pensions, Stocks and Crypto. With the stocks portfolio, we reached the massive mile stone of £5,000. While this might not seem like much to some, however for us, we didn’t expect to get to this point in less than 2 years. With that in mind, lets see if we can get to £10,000 in the next 2 years.

There has only been one major change in the stock portfolio this month, I bought Intel (INTC). I see this company being in a similar position to what Microsoft was in 10 years ago, i.e. people thinking its dead. I really disagree, and think it is massively under valued. It is still growing its revenue and free cash flow every year and I cannot see AMD overtaking Intel, especially since Intel announced a new partnership with Amazon Web Services. My goal is to get up to 10 shares, currently at 6, and then we will see from there.

Cryptocurrencies also had a bit of a comeback with Bitcoin getting over the $40k mark to a high of $42,137. Ethereum also came back to $2,540. Both, however, are still down 36% and 32% respectively from their all time highs. That said, I am still holding my positions in BTC, ETH and CRO for the long term, and all are earning weekly interest.

The Total Portfolio

Our total portfolio breaks down as follows:


  • Cash £2,432.89 (+177.37)
  • Pension £13,444.24 (+637.85)
  • Stocks £5,038.60 (+209.42)
  • Cryptocurrency £1,324.89 (+193.33)
  • Silver £102.59 (-3.63)
  • Car £770.00
  • House: £145,000


  • Mortgage £129,724.04 (-191.91)

So our total net worth is £38,388.36 (+1,405.44)

For a breakdown of my stocks portfolio: here

Passive Income

  • Dividends: £22.18
  • Cryptocurrency: £17.94

Total: £40.12

All dividends are reinvested to produce more income. Income from crypto is currently just accumulating in order to hopefully get some capital gains.

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