Performance Update - June 2026 - Invest Without Being Ripped Off

Here is the latest performance & costs update on my four portfolios.

£10,000 Higher-Risk Rated Portfolio

Higher-Risk £10k Portfolio Performance — *Data sourced from Refinitiv Eikon and David Ryder.*

Data sourced from Refinitiv Eikon and David Ryder.

Yep, that’s 47% return net, after all costs, fees and charges in just three years. Should I feel pleased with myself? No. All I’ve done is exactly what I said in the book: gather the asset allocation across a load of risk-rated funds run by massive institutions, and copy an average of their aggregate allocations using much cheaper passive funds. Why has my portfolio done so well? Because the shares and bonds to which I’ve allocated my money have done well. Banks and institutions would be running around taking credit for this (according to the Financial Conduct Authority’s own review of the industry which I cover in the book). Last month I said that this rate of growth cannot continue. I stand by that. It’s going to come down and I’m due to rebalance my portfolios, i.e., make sure that the allocations continue to reflect the industry average- or “model” portfolio. I’m going to post a video on this, so watch this space.

In the meantime, ask yourself this: How much are you paying in fees, costs and charges? And is the performance of your portfolio doing well enough after all those fees etc. have been taken into account? BIG CAVEAT: I’m looking back over the past three years, so don’t compare the performance of your portfolio with this one if you’re looking at a different time period (which you almost certainly are). Just make sure you’re not paying too much.