How can I calculate what I've earned?

Sallibee

In 1992, I invested 1000GBP in an off-shore fund. I have followed its value month by month and it's increase but is now the same as two years ago. I want to want to calculate how much it has earned overall. I'll have no uk pension so it's important...Is there a web page where I can do this calculation - or a formula. I've only found future calculations with an interest percentage.

amanda1024

Current value minus initial investment tells you how much value has increased, ie how much it's ‘earned.’ Or are you looking for something else?

masonic

Is this a not a UK reporting fund?

https://www.gov.uk/government/publications/offshore-funds-list-of-reporting-funds

Sallibee

amanda1024 said:

Current value minus initial investment tells you how much value has increased, ie how much it's ‘earned.’ Or are you looking for something else?

My question wasn't clear. I want to know how much it's earned annually as a percentage. I want to know an average annual percentage to help me decide whether to leave it there or not.

allegro120

Sallibee said:

amanda1024 said:

Current value minus initial investment tells you how much value has increased, ie how much it's ‘earned.’ Or are you looking for something else?

My question wasn't clear. I want to know how much it's earned annually as a percentage. I want to know an average annual percentage to help me decide whether to leave it there or not.

Are you looking for XIRR calculator?  You can try this https://vindeep.com/Calculators/XIRRCalculator.aspx

Roger175

It's also worth asking of this is an 'accumulation' or 'income' fund. If the former then it's relatively easy, but if it has been paying an income then this will make the calculation very much more difficult.

Linton

Sallibee said:

amanda1024 said:

Current value minus initial investment tells you how much value has increased, ie how much it's ‘earned.’ Or are you looking for something else?

My question wasn't clear. I want to know how much it's earned annually as a percentage. I want to know an average annual percentage to help me decide whether to leave it there or not.

Ignoring dividends the equivalent annual% increase is ((value now/value when bought)^(1/(years invested)) -1)*100

So if you paid £1000 32 years ago and it is now worth £5000 the annual % increase is ((5000/1000)^(1/32)-1)*100=5.16%

This assumes no contributions or withdrawals during the 32 years. 

masonic

Fund management fees have been driven down considerably since that era, so even if you are happy with the performance, it is unlikely to be a good choice compared with today's options.

Sallibee

Linton said:

Sallibee said:

amanda1024 said:

Current value minus initial investment tells you how much value has increased, ie how much it's ‘earned.’ Or are you looking for something else?

My question wasn't clear. I want to know how much it's earned annually as a percentage. I want to know an average annual percentage to help me decide whether to leave it there or not.

Ignoring dividends the equivalent annual% increase is ((value now/value when bought)^(1/(years invested)) -1)*100

So if you paid £1000 32 years ago and it is now worth £5000 the annual % increase is ((5000/1000)^(1/32)-1)*100=5.16%

This assumes no contributions or withdrawals during the 32 years. 

This is the calculation I want to make but I'm afraid I don't understand how to do it from what you've written...It's now £8361...so about 8.5% maybe?

Sallibee

Roger175 said:

It's also worth asking of this is an 'accumulation' or 'income' fund. If the former then it's relatively easy, but if it has been paying an income then this will make the calculation very much more difficult.

Accumulation, but I now think I may be making it more complicated than it is. This isn't my forte...£1000 is now £8361.

Exodi

Sallibee said:

Linton said:

Sallibee said:

amanda1024 said:

Current value minus initial investment tells you how much value has increased, ie how much it's ‘earned.’ Or are you looking for something else?

My question wasn't clear. I want to know how much it's earned annually as a percentage. I want to know an average annual percentage to help me decide whether to leave it there or not.

Ignoring dividends the equivalent annual% increase is ((value now/value when bought)^(1/(years invested)) -1)*100

So if you paid £1000 32 years ago and it is now worth £5000 the annual % increase is ((5000/1000)^(1/32)-1)*100=5.16%

This assumes no contributions or withdrawals during the 32 years. 

This is the calculation I want to make but I'm afraid I don't understand how to do it from what you've written...It's now £8361...so about 8.5% maybe?

((8361/1000)^(1/32)-1)*100   =6.86% (you can just put an equals sign at the front and dump that into Excel).
If calculating yourself, important to know BODMAS/BIDMAS.

Alternatively, use a CAGR calculator like: https://cagrcalculator.net/