Tracking Actual Return on Investments

nxdmsandkaskdjaqd

I was wondering how and what people use to track the return on their investments (Unit Trusts)? i.e how do you monitor your actual return on your investment given that you will invest in funds over time and may move from fund to fund. In this scenario it gets complicated, so how do you track this?

Robert

dave2

If you're using a fund manager they usually generate an annual report showing both the info you need for your tax affairs and to monitor performance.

Or you could throw figures into Excel and work it out. I'd probably ignore transactions and just take the totals.

getmore4less

One way is to unitize the investement.

Something along these lines.

Whenever you put money in or take money out, you buy/sell units.

The unit value is based on the total value at the time.

Lokolo

FT.com

It shows my return simple and complex (one is just the amount now against amount then and the complex one works out the rate whereby I have invested numerous times)

Mikeyorks

Simple spreadsheet - or even just a Word doc with extendable tables. Columns for Date (of purchase) / Name of Fund / Initial cost / Units (purchased - optional) / Value (at sale) / Sale date / Tax year (of sale) / Profit or Loss / Notes. In the notes column show where the money is going to or coming from - when selling / buying. Gives you an audit trail of the original cash - if you want it.

When you sell - cut / paste the whole row down to the bottom of the sheet / doc and organise it into income tax years. That way you can see at a glance whether to claim any losses / how much of your CGT allowance you've used ........ or need to use. Separate table for ISA and non-ISA funds.