Calculating investments loss/gain

ForestBluebells

The larger the amount you have invested the bigger the swings will get in £'s as investment values fluctuate 

But if I’m keeping my investments for over 30 years then these losses will be nothing over that term. In theory... hence why I’m only putting 50% of my spare cash into pension savings and 50% into cash savings

bowlhead99

Include the charges that you pay to your platform within the total invested - a separate column is just a distraction. You already know how much your platform charges you for the platform service. And the current value will already be displayed net of any charges levied by the fund manager.

If you divide current value by the total invested you will see how much it has grown or shrunk. 

LobsterMemory

Disagree with that - I count platform fees as a negative dividend

LobsterMemory

Just to add as a worked example 

If you're living on Rockall and invest 1000 in portfolio X and every year someone rows out with your annual valuation saying that your portfolio is now worth Y, the only thing you know is that you paid out 1000, the rest is all black box

Thrugelmir

ForestBluebells said:

The larger the amount you have invested the bigger the swings will get in £'s as investment values fluctuate 

But if I’m keeping my investments for over 30 years then these losses will be nothing over that term. In theory... hence why I’m only putting 50% of my spare cash into pension savings and 50% into cash savings

Theory is extremely usefull. First hand experiences will teach you far far more.

ForestBluebells

I understand it’s paper loss/gains until you actually cash them in. But it’s helpful to know what the current value is when calculating your “pot” even if that fluctuates daily it’s a snapshot. I just don’t understand what columns I need in my spreadsheet 

ForestBluebells

Theory is extremely usefull. First hand experiences will teach you far far more.

Yes but I only have 2 months experience so I don’t have that yet 😂🤷‍♀️