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Over the year Portfolio is down - 51,485 .. Debt reduced by - 55,471...Balance is up + 3,987 because the debt reduction is 3,987 more then the portfolio loss. ( The performance is just the portfolio measure only ) the higher interest rate payments increasing the debt . .

One year ago 31st December 2023 (B) 427,941 ( Por ) 671,484 ( debt ) -243,542 (Day ) 1,190 ( Available ) 30,807 The TOTAL IS A LOSS -120,141

Over the six months Portfolio down - 46,600..Debt is down - 31,929..Balance is down -14,670 ( Debt taken from Portfolio = Balance ) ( Cash in and out affects Balance ) Portfolio measures performance . The marker a point in time years ago to measure against , before the 2021 highs .

This nearest to six month ago post 18th May 2024 (B) 446,598 ( Por ) 666,599 ( debt ) -220,000 (Day ) -2,934 ( Available ) 74,000 The TOTAL IS A LOSS -97,564 , monies out 1500.

1st January 2025 (B) 431,928 ( Por ) 619,999 ( debt ) -188,071 ( Available ) 81,038 Total loss 138,419. Day 1,109 .

Portfolio 619,999 minis *565,187 = beaten by 54,812. ( on 29th November marker was a higher 62,066 , so down 7,254 in last month of 2024 )

The marker is now *565,187 = 558,401 + 6786

6786 Deposited last two days of year to bring debt down , to 190,000.

So two years & two months on from margin calls , Mortgage paid down approx - 90,000 , debt here paid down 277, 567 to 195,630 = - 81,937 ( due to much higher interest rates ) Balance on acc is down 41,825 Portfolio is down 123,762 .the marker down by a beaten by 174,009 October 2022 , to the much less 62,066 ( 111,943 ) the marker itself not as much changed was 573,555 , now 558,401 ( 15,154 more withdrawn then added over the time ) )

14 December 2024 (B) 428,172 ( Por ) 623,802 ( debt ) -195,630 ( Available ) 77,309 Total loss 135,389.