How much longer will this bear market go on for?

Type_45

My being flat YTD seems to have ruffled a few feathers. 

I'm not only in crypto and cash.

snarffie

Type_45 said:

My being flat YTD seems to have ruffled a few feathers. 

I'm not only in crypto 

Jackanory  

Prism

I took money out of the ISA pot to pay for some building work and a new kitchen - does that mean I'm 20% down to start with since the reverse of new money in is old money out?

Seriously, there is no point in including earned money in for comparison purposes. Need to go through the hassle of unitization for better still don't compare over a short period at all.

Type_45

Prism said:

I took money out of the ISA pot to pay for some building work and a new kitchen - does that mean I'm 20% down to start with since the reverse of new money in is old money out?

Seriously, there is no point in including earned money in for comparison purposes. Need to go through the hassle of unitization for better still don't compare over a short period at all.

Yes that would mean you are 20% down. Of course it does. If you take money out of your investments and spend it then your portfolio has diminished by said amount. You can't pretend it's still there.

AlwaysLearnin

So, in the extreme, I've sold all my investments to buy a house - I'm 100% down?!

Prism

Type_45 said:

Prism said:

I took money out of the ISA pot to pay for some building work and a new kitchen - does that mean I'm 20% down to start with since the reverse of new money in is old money out?

Seriously, there is no point in including earned money in for comparison purposes. Need to go through the hassle of unitization for better still don't compare over a short period at all.

Yes that would mean you are 20% down. Of course it does. If you take money out of your investments and spend it then your portfolio has diminished by said amount. You can't pretend it's still there.

Makes for a completely pointless discussion though, as me spending on money on a kitchen is otherwise irrelevant to the performance of my investments. In the same way that earned money for me has little impact on my overall pot whereas for someone else it could be a significant chunk.

snarffie

Prism said:

Type_45 said:

Prism said:

I took money out of the ISA pot to pay for some building work and a new kitchen - does that mean I'm 20% down to start with since the reverse of new money in is old money out?

Seriously, there is no point in including earned money in for comparison purposes. Need to go through the hassle of unitization for better still don't compare over a short period at all.

Yes that would mean you are 20% down. Of course it does. If you take money out of your investments and spend it then your portfolio has diminished by said amount. You can't pretend it's still there.

Makes for a completely pointless discussion though, as me spending on money on a kitchen is otherwise irrelevant to the performance of my investments. In the same way that earned money for me has little impact on my overall pot whereas for someone else it could be a significant chunk.

This whole thread became pointless ages ago.  
Type45, the cut-and-paste jockey has seen to that.

masonic

Are we counting the value of our stockpiled food towards our portfolio performance? Asking for a friend.

grumiofoundation

masonic said:

Are we counting the value of our stockpiled food towards our portfolio performance? Asking for a friend.

And then if you eat 100g of rice your portfolio drops? 

Type_45

Prism said:

Type_45 said:

Prism said:

I took money out of the ISA pot to pay for some building work and a new kitchen - does that mean I'm 20% down to start with since the reverse of new money in is old money out?

Seriously, there is no point in including earned money in for comparison purposes. Need to go through the hassle of unitization for better still don't compare over a short period at all.

Yes that would mean you are 20% down. Of course it does. If you take money out of your investments and spend it then your portfolio has diminished by said amount. You can't pretend it's still there.

Makes for a completely pointless discussion though, as me spending on money on a kitchen is otherwise irrelevant to the performance of my investments. In the same way that earned money for me has little impact on my overall pot whereas for someone else it could be a significant chunk.

What colour scheme did you go for with the kitchen?