↑ 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
Observations:
It has been about two years, since my western european bank unfriendly
policy encouraged me to invest into Vanguard directly. Annualized rate of returns is for the past
two years (including dividends reinvestment and fees are already paid):
- Vanguard Emerging Markets - 6.3%
- Vanguard Eurozone – 2.9%
- Vanguard US 500 – 12.2%
- Vanguard Global Small Cap - 6.7%
For the portfolio it is 7.1% (without currency fluctuations). Inflation was about 3% a year in the US
(official figures are artificially lowered to mask wages decreasing in real
terms), which will leave me with 4.1% a year.
This should give me about $1.3 million in 25 years (real terms), should
I choose not to invest any more money (assuming that the market will perform in
the same way).
Most of the calculators assumed that the market will not (in western europe,
while in the US same company is more optimistic!).
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