Performance and Costs
On this page, I provide updates on the performance and costs of the example portfolios I’ve set up using my own money.
Click on the green links to jump to the relevant portfolio.
£10,000 Higher-Risk Rated Portfolio
£50,000 Higher-Risk Rated Portfolio
£10,000 Medium-Risk Rated Portfolio
£50,000 Medium-Risk Rated Portfolio
£10,000 Higher-Risk Rated Portfolio
Data sourced from Refinitiv Eikon and David Ryder.
That massive dip in May is all but forgotten…for now. The value of this portfolio has risen, AFTER COSTS, a satisfying 33.12% in two-and-a-half years. That won’t last. Something else will trip things up and the returns will drop before rising again, and so on. Remember, this is a “Higher Risk” portfolio, so this sort of volatile price movement is exactly what I expect.
Data sourced from Refinitiv Eikon and David Ryder.
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£50,000 Higher-Risk Rated Portfolio
Data sourced from Refinitiv Eikon and David Ryder.
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£10,000 Medium-Risk Rated Portfolio
Data sourced from Refinitiv Eikon and David Ryder.
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£50,000 Medium-Risk Rated Portfolio
Data sourced from Refinitiv Eikon and David Ryder.
This last portfolio is a good example of why I don’t panic. It started badly, then it rose, then it slumped, now it’s risen again. Since July of 2024, it’s delivered (as at 1 October 2025) a net return (i.e., after all fees) of 5.7%. That’s way better than the -3.9% of late April and, finally, just about enough to compensate for inflation.
The point being that there’s all sorts of things going on in the world at the moment that are giving investors lots to worry about IF THEY ARE SHORT-TERM investors. I’m a long-term investor, hence I just let things happen and don’t think about my investments until it’s time to rebalance.