sunnyjoe wrote:
I wish I had a time machine so I could tell my younger self to start investing in 1987.
Are any of the above IRRs calculated on the whole period 1987 to present?
The IRR from inception in 1987 to the present day is 9.6%. The figures in the second table in my post
viewtopic.php?p=244301#p244301 are from the dates shown to the present day, so give an indication of what I had achieved from, for example, 30 Dec 1999 at the height of the dot-com boom, which is 7.09%.
Regarding inflation, the following table shows the RPI alongside the values for income unit value, income unit dividends, accumulation unit values and the index values for the whole period:
. Income Units Accumulation April
Year to Unit Value Div/Unit Unit Value FT30 FT100 RPI
21-Apr-87 1.00 0.00 1.00 1.00 1.00 1.018
05-Apr-88 0.91 2.86 0.94 0.92 0.91 1.058
05-Apr-89 1.18 2.72 1.28 1.10 1.05 1.143
05-Apr-90 1.21 4.24 1.40 1.13 1.14 1.251
05-Apr-91 1.34 5.42 1.69 1.28 1.26 1.331
05-Apr-92 1.30 7.52 1.75 1.24 1.26 1.388
05-Apr-93 1.51 6.91 2.13 1.44 1.46 1.406
05-Apr-94 1.70 6.27 2.50 1.65 1.65 1.442
05-Apr-95 1.66 7.48 2.55 1.57 1.62 1.490
05-Apr-96 1.95 7.38 3.13 1.80 1.90 1.526
05-Apr-97 2.16 8.40 3.62 1.85 2.21 1.563
05-Apr-98 3.31 10.00 5.72 2.45 3.05 1.626
05-Apr-99 3.44 8.46 6.12 2.47 3.21 1.652
05-Apr-00 3.32 11.33 6.13 2.42 3.35 1.701
05-Apr-01 3.29 12.42 6.32 2.05 2.89 1.731
05-Apr-02 3.37 13.02 6.76 1.65 2.69 1.757
05-Apr-03 2.29 12.10 4.85 0.85 1.85 1.812
05-Apr-04 2.92 13.38 6.56 1.22 2.25 1.857
05-Apr-05 3.46 13.06 8.10 1.33 2.51 1.916
05-Apr-06 4.30 17.42 10.57 1.68 3.06 1.965
05-Apr-07 4.91 19.42 12.63 1.90 3.31 2.054
05-Apr-08 4.14 24.32 11.21 1.58 2.93 2.140
05-Apr-09 2.28 21.17 6.46 0.87 2.01 2.115
05-Apr-10 3.69 11.06 10.86 1.33 2.91 2.228
05-Apr-11 4.16 16.71 12.76 1.43 3.03 2.344
05-Apr-12 4.40 17.73 14.19 1.33 2.96 2.408
05-Apr-13 5.27 21.83 17.01 1.54 3.29 2.476
05-Apr-14 5.34 23.05 18.88 1.75 3.38 2.557
05-Apr-15 5.91 24.98 21.84 1.91 3.47 2.580
05-Apr-16 5.92 22.67 21.72 1.79 3.17 2.614
05-Apr-17 6.62 26.21 25.47 2.10 3.76 2.706
05-Apr-18 6.12 33.19 24.66 1.79 3.62 2.797
05-Apr-19 6.35 31.25 27.04 2.10 3.82 2.856
They all start at unity, except for the dividend per unit, which are actual figures in pence per unit, and the RPI, which starts at 1.018 having been unity on 1st Jan 1987 when divided by 100.
It does not give you inflation adjusted figures, but you can see the figure for inflation alongside the relevant figure. Note that the dividend per unit includes special dividends in this case. The one laggard against inflation is the FT30 Index, which few think about these days.
One factor to consider is that there were only 3 shares in the portfolio at the outset, rising to 37 at the most and 35 currently. Also that the figures relate to my unit values, whereas the upper table in my original post refers to the actual portfolio value. Because of occasional withdrawals and inputs of capital, the unit values give a better or more realistic picture.
TJH