October 2018 update ($466,668 -$30,277 or -6.1%)

↑ Vanguard FTSE U.K. All Share Index is up by $6,970 or 49.9%

↑ GBP to USD is slightly up by 0.8% or $162

Grand total additions: $7,132

↓ Emerging Markets Stock Index Fund is down by $7,344 or 6.1%

↓ Eurozone Stock Index Fund is down by $7,598 or 6.5%

↓ US 500 Stock Index Fund is down by $17,051 or 13.7%%

↓ Global Small Cap Index is down by $3,331 or 2.8%

↓ EUR is down to USD by 1.0% or $2,086

Grand total losses: $5,399

Observations:

    I have been accumulating small amount of money towards my retirement account (circa $950 a month, including tax breaks).  Beginning of October when British market reached its 6 months low, I invested remaining cash into the FTSE Vanguard accumulation (circa $7,800).  Current value is about $8,000.  

    In spite reducing cash in my pension fund to zero and investing $21,000 in stocks I am still in red on year to year basis. The stock market Q4 this year is a speculator’s dream.  I suspect it return back to green towards end of the year as underlying fundamentals are strong for USA economy.

Ad for the Western Europe and Emerging markets they are likely to remain behind as unable to compete with USA due to lack of independence. They have too many arguments and sanctions, on top of being adversarial towards entrepreneurs (Western Europe).

See some examples of shares performance (%) in October 2018 from their price peaks:

My current estimate, assuming that I can set aside around $15K a year for the next 25 years I can have $1,400 in money of the day in my retirement next egg ($1,000 without any contributions).