June 2019 update ($518,821 +$2,188 or +%0.4)

↑ Emerging Markets Stock Index Fund is up by $1,281 or +1.0%

↑ Eurozone Stock Index Fund is up by $149 or +0.1%

↑ US 500 Stock Index Fund is up by $1,765 or +1.4%

↑ Global Small Cap Index is up by $589 or +0.5%

↑ Vanguard FTSE U.K. All Share Index is up by $550 or +2.3%

↑ Additional cash to invest $3,494 under my pension plan.

Grand total additions: $7,828

↓ GBP to USD is down by $1,326 or -4.0%

↓ EUR is down to USD by $4,314 or -2%

Grand total losses: $5,640

June 2019 update ($516,633 +$28,734 or +%5.9)

↑ EUR is slightly up to USD by $2,063 or 1%

↑ Additional cash to invest $1,262 under my pension plan

↑ Emerging Markets Stock Index Fund is up by $4,728 or +3.9%

↑ Eurozone Stock Index Fund is up by $5,884 or +5.2%

↑ US 500 Stock Index Fund is up by $8,256 or +7%

↑ Global Small Cap Index is up by $6,206 or +5.8%

↑ Vanguard FTSE U.K. All Share Index is up by $585 or +2.4%

Grand total additions: $28,984

↓ GBP to USD is down by $250 or -0.9%

Grand total losses: $250

May 2019 update ($487,899 -$25,268 or -%4.9)

↑ EUR is slightly up to USD by $2,063  or 1%

↑ Additional cash to invest  $4,032 under my pension plan scheme

Grand total additions: $6,095

↓ Emerging Markets Stock Index Fund is down by $8,565 or -6.8%

↓ Eurozone Stock Index Fund is down by $6,642 or -5.6%

↓ US 500 Stock Index Fund is down by $8,143 or -6.4%

↓ Global Small Cap Index is down by $7,563 or -6.6%

↓ Vanguard FTSE U.K. All Share Index is down by $230 or -0.9%

↓ GBP to USD is down by $220 or -0.8%

Grand total losses: $31,363

April 2019 update ($513,167 +$17,838 or +%3.6)

↑ Emerging Markets Stock Index Fund is up by $3,693 or +3.0%

↑ Eurozone Stock Index Fund is up by $5,725 or +5.1%

↑ US 500 Stock Index Fund is up by $4,854 or +4.0%

↑ Global Small Cap Index is up by $3,447 or 3.1%

↑ Vanguard FTSE U.K. All Share Index is up by $79 or +0.3%

Cash to Invest  $2,832

Grand total additions: $20,546

↓ EUR is slightly down to USD by $2,116  or 1%

↓ GBP to USD is down by $592 or -2.6%

Grand total losses: $2,708

March 2019 update ($495,329 +$944 or +%0.2)

↑ Emerging Markets Stock Index Fund is up by $1,761 or +1.4%

↑ Eurozone Stock Index Fund is up by $1,491 or +1.3%

↑ US 500 Stock Index Fund is up by $2,247 or +1.9%

↑ Vanguard FTSE U.K. All Share Index is up by $918 or +3.7%

Grand total additions: $6,417

↓ Global Small Cap Index is down by $728 or -0.7%

↓ EUR is slightly down to USD by $4,174  or 2%

↓ GBP to USD is down by $571 or -2.3%

Grand total losses: $5,473

February 2019 update ($494,385 +$13,513 or +%2.8)

↑ Emerging Markets Stock Index Fund is up by $2,050 or +1.5%

↑ Eurozone Stock Index Fund is up by $4,790 or +4.4%

↑ US 500 Stock Index Fund is up by $3,613 or +3.1%

↑ Global Small Cap Index is up by $4,048 or +3.8%

↑ Vanguard FTSE U.K. All Share Index is up by $658 or +2.4%

↑ GBP to USD is slightly up by $380 or +2.4%

Grand total additions: $15,539

↓ EUR is slightly down to USD by $2,087  or 1.0%

Grand total losses: $2,087

Enough wealth

I was recently thinking about the comments made around my family budget, savings. While having an aspiration to get a higher salary is admirable and needs to be one of the focus areas. It is not within immediate reach, not a guaranteed outcome.

Efficiency and savings rate is largely in my current control today. Things that are in your control and have the highest likelihood of working can make the biggest difference over time. 

This reminds me of Jeff Bezos’ interview:

“…I very frequently get the question: “What’s going to change in the next 10 years?” That’s a very interesting question.

I almost never get the question: “What’s not going to change in the next 10 years?” And I submit to you that that second question is actually the more important of the two.

You can build a business strategy around the things that are stable in time. In our retail business, we know that customers want low prices, and I know that’s going to be true 10 years from now. They want fast delivery; they want vast selection. It’s impossible to imagine a future 10 years from now where a customer comes up and says, “Jeff I love Amazon, I just wish the prices were a little higher.” Or, “I love Amazon, I just wish you’d deliver a little slower.” Impossible.

So we know the energy we put into these things today will still be paying off dividends for our customers 10 years from now. When you have something that you know is true, even over the long term, you can afford to put a lot of energy into it.”