Portfolios from Previous years: 2025 2024 2023 2022 2021 2020
May’26:
Profit: £196 Bank: £506
(Start Bank = £309 Target Profit = £120)
(2May revised target = £160)
Underdog Racing £2.50 / tip
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The Banker £7.50 / tip
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2 May: Further research on Underdog shows its “likely” I can hit £100+ profit this month so I’m resetting its monthly target.| Profit Target | Probability of Hitting | Interpretation |
| £25+ | 85% | High certainty |
| £50+ | 80% | Very likely |
| £75+ | 77% | Strong probability |
| £100+ | 72% | Likely |
| £125+ | 68% | Less Likely |
The research for TheBanker showed at best a 68% for over £75 profit so I’ll stick with its £56 profit target.
3 May: Underdog hits £96 profit – tempted to take but will hold for the revised £100+ target.
4 May: Underdog hits £142 profit – research and decision validated – profits taken and betting now stops on Underdog.
7 May: TheBanker hits £54 profit (96% of individual target). Total portfolio profit = £196 exceeding revised target of £160 – profits taken and betting now stops on TheBanker as well.
Apr’26:
Profit: £183 Bank: £309
(Start Bank = £126 Target Profit = £95)
Underdog Racing £2.00 / tip
The Banker £6.50 / tip
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1 Apr: TheBanker started with a bang! £65 profit – instantly exceeding its monthly target of £50. Sticking with my approach, betting on TheBanker‘s tips now stops. With only 1 tipster I can now re-adjust the stakes. I’m upping the stakes for Underdog from £2/bet to £4/bet. This is based on Underdog historically having a High performance April (see the More Profit With Less Effort post) and at £4/bet the daily bet exposure is reduced to 2% of available bank.2 Apr: Underdog pulls out a £118 profit – massively exceeding the conservative £45 profit. Again sticking with aproach betting on Underdog Racing Tips stops. Stopping so early in the month might mean I miss some more profit but for me it “a bird in the hand” scenario. I anticipated a total profit for the month of £90 and within 2 days got £183. Also not betting for the rest of the month will keep me under bookies radar so I’m happy to take a break and I miss future profits then so be it. Bank started at £126 and now stands at £309. (£126+£183)
End-of-Month: A lot of profit was missed by stopping early. I fact about £700 (gulp)! You have to take the rough with the smooth. Historically stopping having hit target has paid off but perhaps an easing up might be a better approach. I need to do more research.
For May: Starting at £2.50/bet for Underdog and £7.50/bet for Thebanker. May and June have historically been good months for both tipsters and as they performed very well during April I’m not stretching either of their profit targets set at around £60 each.
Mar’26:
Profit: £74 Bank: £126
(Start Bank = £52 Target Profit = £48)
Underdog Racing £1 / tip
The Banker £1 / tip
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12Mar: Underdog Racing Tips has exceeded its target and posted a £47 profit – betting stops on Underdog tips. TheBanker has not reached profit target yet so betting will continue. With March being a good month historically for TheBanker I’m transferring half of Underdog’s stakes to TheBanker – stakes will be £1.50/bet.
17Mar: TheBanker has now also reached profit target so betting stops entirely for the rest of the month. March profit = £74.
18Mar: Underdog Racing Tips just hit a massive day profit that I missed out on – but I have to accept that and move on – the decision to stop betting was taken for all the right reasons at the time. EOM: By stopping betting I missed out substantially on Underdog’s great 1702 units profit – but I stand by my approach. I’m now back into profit and starting again.
For April: Historically Thebanker has a medium performance March but it performed poorly this March so I anticipate a rebound in April which is another medium performance month. Underdog, historically, has a High performance April (check out the analysis in the More Profit With Less Effort post) Stakes based on available bank and limited to a maximum total of 10% bet daily will be £2/bet for Underdog (avg. 3 tips/day) and £6.50/bet for TheBanker (avg.1 tip/day). Target profits: Underdog = £45 TheBanker = £50 Total = £95
Feb’26:
Profit: -£4 Bank: £52
(Start Bank = £56 Target Profit = £44)
Underdog Racing £0.60 / tip
The Banker £1.50 / tip
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As you can see in my post Personal Portfolio Evolution More Profit WIth Less Effort February has been historically a bad month for TheBanker but a good month for Underdog – and so it turned out again. Underdog was up and down all month but managed to break target profit on 23rd Feb with £24 – profit taken and betting stopped on Underdog tips. TheBanker simply had an atrocious month and was -£37 on 15th when I decided to half the stakes. He struggled to recover and ended the month down -£28. Bottom line – the £56 bank at the start of the month ended as £52 at the end.
For MARCH: Historical indicators for March for both Underdog and TheBanker are good. I’m expecting good profit from both so the target is to recover to the £100 starting bank. The staking plan is to start low but ratchet up as the month progresses – depending on profits of course. Starting stakes will be £1/bet (50p eachways) for Underdog and £1 for TheBanker’s to-win tips.
Jan’26:
Profit: -£44 Bank: £56
(Start Bank = £100 Target Profit = £75)
Underdog Racing £0.05/pt
The Banker £0.50/pt
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5Jan: In just 5 days Bank has dropped from £100 to £73 – that about 25% – time to consider reducing stakes over next couple of days.9Jan: Underdog continues a losing streak – time to reduce stakes from 5p to 3p per point – average bet is now 60p. Thebanker will remain unchanged.
20Jan: Underdog goes from bad to worse. Thebanker following suit. Stakes reduced again. Underdog down to 30p/bet; Thebanker down to £1.25 / tip.
End-of-Month: Bad month all round with a loss of 44% of the betting bank.
And it shouldn’t have happened! Learn from my mistakes read Personal Portfolio Evolution More Profit WIth Less Effort.
For Feb’26: No changes to portfolio. Stakes reduced in line with reduced betting bank. Treating February as a recovery month to get back to £100.
Dec’25:
FOR JAN 2026:
- Starting off where 2025 ended with Underdog Racing Tips and Thebanker.
- Bank is reset to £100.
- Approximately 10% of bank will be bet each day split roughly equally across these two tipsters.
- Underdog Racing Tips: is tipping at 5 tips per day at 20pts per tip (10pt each-ways) – this makes my stakes £0.05/pt ≈ £1 / tip
- Thebanker: is tipping at 2 tips per day at 5pts per tip – this makes my stakes £0.50/pt ≈ £2.50 / tip
- Profit Targets set at the beginning of each month and adopting the Profit Lock approach.