For the Secretary to log a club expense. A receipt image is required.
🏷️ New picks — who chose these? · assign a member so the leaderboard stays accurate
✅ = verified against a broker statement (all holdings now verified)
Club roles
Stu · Stuart MacPherson
Chairman
Strategy decision maker
Shinty · David Tangney
Secretary
Takes the minutes and adds expenses
Cass · David Cassidy
Stock Buyer
Executes investments & sales of stocks
Total portfolio
–
✅ Stocks (IBKR)
–
Crypto
–
💵 Cash to invest
–
Unrealised P/L
–
🧾 Tax paid
–
Fund ROI
–
Allocation
Podium · from Leaderboard 2.0 below — recomputed live from verified quantities
The old tracker podium (computed on stale prices and pre-split quantities) was retired after Stu's statements verified the real holdings — most notably NVDA's 10:1 split.
All-time invested (tracker, to Sep 2025)
$27,766 per member · $83,298 total
Leaderboard 2.0 · single picks Aug 2020 – Mar 2023, held picks at live prices; sold picks keep their locked-in gain (joint buys after Mar 23 excluded)
Rank
Investor
Picks
Invested
Value now
P/L $
P/L %
Best pick
Worst pick
Hit rate
Quantities use broker actuals (incl. GOOG/LCID splits); Stu’s Revolut picks are verified against his statements. Binance-era CHZ/ETH picks are valued at tracker quantities.
CHZ/ETH picks are valued at market even though the coins’ current whereabouts are an open audit item. Differences vs the tracker’s podium above come from corrected quantities and the recovered Jan 22 BTC pick (Stu). Hit rate = picks currently in profit.
Capital invested vs portfolio value
Asset class mix
Cost vs value by platform
Top winners & losers ($ unrealised)
Projection to 2030 · illustrative scenarios, not advice
Assumes $1,500/mo contributions continue (50/50 split) and annual returns of:
Cautious equities +4% / BTC −10% · Base equities +8% / BTC +15% · Strong equities +11% / BTC +40%.
Equity assumptions bracket the S&P 500's long-run ~7–10% nominal CAGR; BTC has no reliable expected return — its band is intentionally wide.
Dividends & withholding tax · from IBKR annual statements ✅
Year
Gross dividends
US withholding (30%)
Net received
2021
~$7
~−$2
~$5
2022
$482.50
−$144.25
$345.23+ $6.98 payment-in-lieu
2023
$353.18
−$103.13
$286.46+ $36.41 payment-in-lieu
2024
$549.45
−$137.43
$412.02
2025
$583.69
−$150.97
$432.72
2026 H1
$263.08
−$65.87
$197.21+ $59.86 accrued, unpaid
IBKR total
~$2,239
~−$604
~$1,679
Stu's Revolut 2020–23old product, club + personal mixed
Detailed tax & withholding notes are at the bottom of the page.
Unrealised P/L by holding
🎯 The Goal
Five-year hold, then convert. Grow the pot through the systematic plan ($750 S&P + $750 BTC monthly) to roughly 2031, then convert the fund into a passive income vehicle — a passive business or a property investment owned by the three members.
Where that could land
Base-case projection reaches ≈ $262k by Dec 2030 (see Projection chart) — deposit-grade money for a rental property or a meaningful stake in a cash-flowing business. Cautious case ≈ $208k, strong case ≈ $339k. Agreed at AGM 3 Jul 2026; revisit yearly.
Club expenses · click a row for the receipt
Date
Item
Paid by
Amount
Receipt
Note: the audit found zero expenses ever charged to the fund — every dollar deposited was invested. Before this becomes a habit, the three members should agree the rule: are expenses (AGM dinners, hosting, subscriptions) reimbursed from fund cash, split personally, or capped at an annual budget? Whatever is decided, each entry gets logged here with a receipt.
Holdings — Interactive Brokers · all verified ✅
Holding
Picker
Qty
Avg cost
Cost basis
Price
Value
P/L $
P/L %
Holdings — Crypto
Holding
Qty
Avg cost
Cost basis
Price
Value
P/L $
P/L %
✅ IBKR and Kraken figures come from the 1–2 Jul 2026 statements and trade history (incl. the 2 Jul BTC buy of 0.01213946 @ $61,699). BTC cost basis is the sum of identifiable club BTC purchases (Jan 2022 – Jul 2026). Cash: $407.19 at IBKR (plus $59.86 accrued dividends), ~$0 at Kraken.
✅ Stu’s Revolut is now FULLY VERIFIED (trading statement to 3 Jul 26): all 22 club stock positions held with exact quantities; splits confirmed — NVDA 10:1 (63.546 sh), TSLA 3:1 (5.078 sh), SONY 5:1 (16.808 sh, entire position club’s, + SFGYY spinoff), SPCE 1:20 reverse (0.451 sh); AMZN was recorded post-split all along. No club position was ever sold; the Oct 23 $1,250 withdrawal was Stu’s personal Costco. Where Stu holds more than the club’s share (XYZ, NEE, ROKU, QCOM, AMZN), only the club portion is shown. His personal positions (PANW, OTIS, MSFT, GOOGL, SHOP, FSLR, TSM, ETFs, etc. — and all crypto except the Mar-21 BTC) are excluded. Gold (XAU) is now VERIFIED via the Revolut commodities statement (3 Jul 26): 0.121055 oz bought Aug 2020 for £192, reduced to 0.098760 oz after five 2023 premium-plan fees; the whole fund is now fully verified.
🔁 Revolut buy-out in progress (AGM 2026): Stu is buying back the club’s Revolut stake at ~$8k/month over three months and we reinvest the cash in IBKR as his monthly pick. Quantities shown are the club’s remaining share after the buy-out to date (Aug 2026: −$8,000, i.e. each position drawn down ~30.8%); Stu holds the rest personally. This keeps the fund total from double-counting the new IBKR buys.
Leaderboard figures for picks up to Mar 2023 are the tracker’s own (Google Sheet, 2 Jul 2026). From Aug 2026 the club runs a rotational monthly pick (Stu → Shinty → Cass …): whoever’s turn it is has their new IBKR buy credited to them here at live prices once it’s tagged in the “New picks” panel above. Aug 2026 is Stu’s pick — AVGO ($4,500) and NBIS ($3,500), funded by his Revolut buy-out. Earlier un-attributed buys (VUAA, VOO 2024/25, BTC 2025/26) remain unassigned.
Fund ROI is the money-weighted annual return (XIRR) computed from every dated contribution since Aug 2020 against total value today; reinstated 3 Jul 26 once Stu’s statements verified all quantities. The IBKR/Kraken sub-figures are per-account XIRRs on their actual deposit dates. The 2030 projection is an illustration using fixed return assumptions, not a forecast or financial advice — actual returns will differ, and BTC in particular can deviate wildly in either direction.
“Refresh live prices” pulls stocks from Stooq and crypto from CoinGecko; if unavailable, statement/tracker closing prices are shown. Gold (XAU) is valued from the 3 Jul 26 Revolut statement (£305.51 at 1.3355 GBP/USD). Not investment advice.
Dividends & withholding tax — detail
Dividends are never withdrawn — they funded the Feb 2024 ($3,000) and Aug 2025 ($3,939) VOO buys.
US-listed holdings (SPY, VOO, MO, ABBV…) are taxed 30% at source for UAE residents (no US tax treaty; not reclaimable).
VUAA, now the largest position, is Irish-domiciled and accumulating: ~15% internal withholding, nothing further, no cash payout —
so the fund’s tax drag falls as VUAA grows. Biggest payers today: SPY (~$290/yr), MO (~$39/yr gross). Forward run-rate ≈ $610/yr gross, ≈ $450 net.
