February 2023 update ($773,758 -$10,527 or -1.3%)

↓ Emerging Markets Stock Index Fund is down by $5,228 or -4.0%
↓ US 500 Stock Index Fund is down by $5,982 or -2.0%
↓ Global Small Cap Index is down by $2,597 or -1.8%
Total losses: $13,808

↑ Eurozone Stock Index Fund is up by $2,382 or +1.7%
↑ Growth fund is up $899 USD or +1.4%
Grand total gains: $3,281 USD

January 2023 update ($784,285 +$48,760 or +6.6%)

↑ Emerging Markets Stock Index Fund is up by $7,253 or +5.9%
↑ Eurozone Stock Index Fund is up by $12,678 or +9.6%
↑ US 500 Stock Index Fund is up by $16,165 or +5.7%
↑ Global Small Cap Index is up by $11,999 or +9.0%
↑ Growth fund is up $136 USD or +0.2%
↑ GBP is up to USD by 0.8%, so for my portfolio its $529
Grand total gains: $48,760 USD

December 2022 update ($735,525 -$27,492 or -3.6%)

↑ Growth fund is up $165 USD  or +0.3%
↑ EUR is up to USD by 2.9%, so for my portfolio its $7,096
Grand total gains: $7,261 USD

↓ GBP is down to USD by 2.4%, so for my portfolio its $1,585
↓ Emerging Markets Stock Index Fund is down by $6,145 or -4.9%
↓ Eurozone Stock Index Fund is down by $4,758 or -3.6%
↓ US 500 Stock Index Fund is down by $17,501 or -5.8%
↓ Global Small Cap Index is down by $4,764 or -3.4%
Grand total loss: $34,752 USD

November 2022 update ($763,017 +$61,502 or +8.8%)

↑ Emerging Markets Stock Index Fund is up by $11,201 or +10.2% 
↑ Eurozone Stock Index Fund is up by $9,760 or +8.4%
↑ US 500 Stock Index Fund is up by $15,713 or +5.5%
↑ Global Small Cap Index is up by $7,981 or +6.1%
↑ Growth fund is up 812 or +1.3% 
↑ EUR is up to USD by 5.0%, so for my portfolio its $12,345 
↑ GBP is down to USD by 6.0%, so for my portfolio its $61,502 
Grand total gains: $61,502 USD

Financial Independence November 2022 update

October 2022 update ($701,515 +$41,544 or +6.3%)

↓ Emerging Markets Stock Index Fund is down by $4,622 or -4.1%
Grand total losses: $4,622 USD

↑ Eurozone Stock Index Fund is up by $8,387 or 7.9%
↑ US 500 Stock Index Fund is up by    $21,198 or 8.0%
↑ Global Small Cap Index is up by $9,734 or 8.1%
↑ Growth fund is up  767 or 1.3%
↑ EUR is up to USD by 2.1%, so for my portfolio its $4,519
↑ GBP is down to USD by 2.7%, so for my portfolio its $1,560
Grand total gains: $46,166 USD

September 2022 update ($659,971 -$68,922 or -9.5%)

 ↓ Emerging Markets Stock Index Fund is down by $11,698 or -9.3%
↓ Eurozone Stock Index Fund is down by $7,260 or -6.3%
↓ US 500 Stock Index Fund is down by $26,824 or -9.2%
↓ Global Small Cap Index is down by $13,816 or -10.3%
↓ Growth fund is down by 2,316 or -3.7%
↓ EUR is down to USD by 2.0%, so for my portfolio its $4,442
↓ GBP is down to USD by 4.2%, so for my portfolio its $2,566
Grand total losses: $68,922 USD

Observations:   After investing $120 K USD this year, I am down $110 K from a year ago. This means loss of $230 K (25% loss) USD in the past twelve months.

August 2022 update ($728,894 -$17,915 or -2.4%)

↑ Emerging Markets Stock Index Fund is up by $1,054 or +0.8%
↑ Growth fund is up by 1,014 or +1.6%
Grand total additions:  $2,068

↓ Eurozone Stock Index Fund is down by $3,903 or -3.3%
↓ US 500 Stock Index Fund is down by $8,164 or -2.7%
↓ Global Small Cap Index is down by $3,038 or -2.2%
↓ EUR is down to USD by 2.0%, so for my portfolio its $4,821
Grand total losses: $19,926 USD