Tracking value of stocks against savings

Fred

Hi, I am paying a regular sum into stocks & shares ISA and would like to see whether I am beating a savings account. I just cannot work out a comfortable way in excel to do this.

I do this since January 2006 - which gives me 15 months to work with at this stage. How I can calculate the profit of my portfolio taking into account that I am adding to it with a fixed sum every month?

I obviously know what my portfolio is worth now, what I don't know is what it would be worth, had I invested it in a top-range savings ISA or perhaps used the money to bring down my mortgage.

Any help would be much appreciated.

Fred

SeanW

Take your fixed monthly sum and mutiply it by 0.3575.

That will give you the approx interest you would have accrued in a savings account paying 5.5% over a year, paying your fixed sum in monthly.

0.3575 = (Advertised AER Rate / 12 / 100) * 78

This only works for 12 months due to the compounding that occurs.

benood

I do this with a combination of trustnet and excel and my IFA - every month my IFA emails the most recent number of units purchased which then gets updated on trustnet and gives me a valuation (need to do this as my portfolio has been building over 10yrs so has a number of different PEPs/ISAs from different IFAs.)

The spreadsheet contains monthly bank base rate which I use as a proxy for what I could have achieved in a savings account, it also shows how much of my mortgage I might have paid off, cash invested and projects the whole lot forward to age 67.

It's actually quite simple but has evolved over time - I could take the data out and email it if you were interested.