how to calculate weekly and monthly percentage returns from daily figures

Hi,
I am only a spreadsheet newbie. Am trying to tackle a financial drama. I have a column of dates going back in time over a thousand days (in date order) and an adjacent column of figures that show historic daily percentage movements in the value of an investment for each of those days.

I need to be able to calculate what the percentage return has been on a weekly basis, as well as on a monthly basis, because it appears I was tricked by false advertising for an investment.

About half the daily returns are positive eg 0.121561% and about half are negative eg -0.115487. Some days however show zero change.

I need to be accurate as the outcome will form basis of a complaint which they will certainly shoot down if not correct.

To be accurate the calculation must occur on a day by day basis, in that figures for one week can’t be simply added together then divided to get an average. Also the daily figures for most individual weeks are a mix of positive and negative percentage movements.

this is a small sample cut.....
15/08/2014 -0.0242
14/08/2014 -0.0516
13/08/2014 -0.2705
12/08/2014 0.3081
11/08/2014 0.2851

So maybe there is a need to start each calculation on a base figure of say 100 then multiply by first percentage movement then multiply the answer by the next percentage movement, and repeat until end of week gives the weekly percentage movement. How to get the program to distinguish and calculate the negative and positive percentage returns sequentially on a day by day basis is something way beyond me unfortunately.

As my hard drive failed recently, I purchased a new drive but unable to recover excel and other programs so have downloaded freeware spreadsheets, gnumeric and kingsoft in the hope of urgently completing this exercise. I think the excel process and formula might be identical to or close enough for me to adjust, to use in the alternate software....hopefully. Thanks greatly if anyone can help.
regards,
Ben Davis

Thanks kindly Crooza,

That's awesome.

I experimented with the small cut section we are using for my learning purposes. Could not get it to work using gnumeric, because of me doing something wrong no doubt, but something happened when I followed your instructions using the Kingsoft 2013 spreadsheet program.

The result was.......

11/08/2014 0.2851
12/08/2014 0.3081
13/08/2014 -0.2705
14/08/2014 -0.0516
15/08/2014 -0.0242 -0.245939884

The columns seem to disappear on pasting here, but the D5 result as you can see is -0.245939884 (% I hope). I don't know how to check if it is the correct answer. However it "looks" wrong considering the size of the first two days of positive returns. I think, from eyeballing the returns for each of the days in succession (imagine applying them to a starting value of say 100 one day at a time), that the weekly % return should be a positive number?

regards,
Ben

Thanks again Crooza,

That was also h-u-g-e of you. I appreciate it greatly.

The modified formula gave the correct answer in Kingsoft 2013 without any negative sign .

I also worked it out manually on the PC scientific calculator just to prove to myself that the result was correct, which it was.

Over the w/end i will try to make inroads into the project, being only an L plate spreadsheet driver.

The list commences 01 July, 2011 and runs till present day.

There are some variations in the list which I don't know will affect the structure of the formula or not eg 1. for the first few years it shows returns for each day of seven day week though in recent times weekend days show zero, 2. Some occasional other days show zero, 3. the earning rates are displayed to fourth decimal for part of the list, then to sixth decimal, then back to four decimal display in most recent period. 4. As daily earning rates can bounce from positive to negative to positive to negative all in one week, does the formula automatically recognize and calculate this?

After I calculate the weekly returns I have to do the monthly return calculations which will involve calculating each day at a time starting first day of month and ending last day of month. Is it the case that because returns can bounce from positive to negative from one day to the next that there is no way of having shortened formula that spans the days of the month (up to 31 days)?

Thanks again. I placed my retirement funds in the investment because they advertised low risk investment with negative returns only 2% of the time. All I have since learned is that there are 631 negative days on the list I have obtained. To my eyes it appears that negative weekly and negative monthly returns would also be occurring way more than 2% of the time but I have to prove it to have any cause for complaint and possible compensation. The power and speed of spreadsheets is awesome for a first timer.

kind regards,
Ben

Thanks again Crooza.

Great and helpful answers.

I've done some months of week to week outcomes, by modifying the code row numbers each time to suit, and so far your formula appears to be working flawlessly.

Will be interesting to see what the end result turns out compared to their advertising of negative returns only 2% of the time. The monthly outcomes will carry the most weight. Sure looks like bad timing putting the whole retirement savings in on Sept 1 this year. It was advertised as no riskier than money in the bank.

I will attempt to send copy to you as requested, don't know my way around internet forums. Would be grateful to know if it looks like I'm going wrong somewhere.

kind regards,
Ben

Couldn't find button where to upload and send attachment from one forum member to another. Will have another look at it later today. Cheers.

Crooza, I tried but got a knock back on the file type for some reason. I've made a screenshot image of the message which, hopefully will post. I might try and change the file extension to see if it will trick the program into uploading the file.

failed upload.jpg

Is only 91kb. I'm wondering if because it is a competitor file (Kingsoft) and not excel, it gets knocked back. I'll try to rename and see how it goes, if not can paste some of it as you suggested.

I inserted xls at end of file name but still would not upload so i have zipped it and looks like it might work.

I don't know if excel will read it though, although kingsoft spreadsheets is supposed to handle excel files.

Hi Crooza,
This is a cut part of how much I have done, as I've been thinking excel probably does not read Kingsoft spreadsheets. I hope it is accurate. I'm hoping to learn how to make graphs and charts from the data in future. Thankyou for the code. I would have got nowhere without it.

Day Effective Date Rate Week Weekly rate Month Monthly rate
FRI 1/07/2011 0 1 (part) Jul-11
SAT 2/07/2011 -0.0011
SUN 3/07/2011 -0.0011 negative
MON 4/07/2011 0 2
TUE 5/07/2011 -0.1477
WED 6/07/2011 0.1474
THU 7/07/2011 0.1039
FRI 8/07/2011 0.0575
SAT 9/07/2011 -0.0011
SUN 10/07/2011 -0.0011 0.158737668
MON 11/07/2011 -0.0244 3
TUE 12/07/2011 0.0758
WED 13/07/2011 0.3606
THU 14/07/2011 0.3895
FRI 15/07/2011 -0.0348
SAT 16/07/2011 -0.0011
SUN 17/07/2011 -0.0011 0.765975749
MON 18/07/2011 0.0503 4
TUE 19/07/2011 0.0975
WED 20/07/2011 0.0732
THU 21/07/2011 0.0275
FRI 22/07/2011 -0.1733
SAT 23/07/2011 -0.0011
SUN 24/07/2011 -0.0011 0.07278542
MON 25/07/2011 -0.032 5
TUE 26/07/2011 0.0499
WED 27/07/2011 0.1295
THU 28/07/2011 -0.0142
FRI 29/07/2011 -0.0947
SAT 30/07/2011 -0.0011
SUN 31/07/2011 -0.0011 0.036159301 monthly rate here
MON 1/08/2011 0.1506 6 Aug-11
TUE 2/08/2011 0.3857
WED 3/08/2011 0.0801
THU 4/08/2011 0.2252
FRI 5/08/2011 0.3624
SAT 6/08/2011 -0.0011
SUN 7/08/2011 -0.0011 1.20723338
MON 8/08/2011 -0.1103 7
TUE 9/08/2011 0.5186
WED 10/08/2011 -0.1453
THU 11/08/2011 0.0481
FRI 12/08/2011 0.0794
SAT 13/08/2011 -0.0011
SUN 14/08/2011 -0.0011 0.387499126
MON 15/08/2011 0.0623 8
TUE 16/08/2011 0.0954
WED 17/08/2011 -0.2847
THU 18/08/2011 0.1565
FRI 19/08/2011 0.1253
SAT 20/08/2011 -0.0011
SUN 21/08/2011 -0.0011 0.152043772
MON 22/08/2011 0.3522 9
TUE 23/08/2011 0.2383
WED 24/08/2011 -0.0804
THU 25/08/2011 -0.3908
FRI 26/08/2011 -0.0542
SAT 27/08/2011 0.3108
SUN 28/08/2011 -0.0011 0.373298131
MON 29/08/2011 -0.1042 10
TUE 30/08/2011 0.0619
WED 31/08/2011 -0.0807
THU 1/09/2011 0.1046 Sep-11
FRI 2/09/2011 0.0227
SAT 3/09/2011 -0.0011
SUN 4/09/2011 -0.0011 0.001936707
MON 5/09/2011 0.0227 11
TUE 6/09/2011 0.1752
WED 7/09/2011 0.4187
THU 8/09/2011 0.0462
FRI 9/09/2011 -0.2938
SAT 10/09/2011 -0.0011
SUN 11/09/2011 -0.0011 0.36599503
MON 12/09/2011 0.2475 12
TUE 13/09/2011 0.0417
WED 14/09/2011 0.3082
THU 15/09/2011 -0.1217
FRI 16/09/2011 0.1186
SAT 17/09/2011 -0.0011
SUN 18/09/2011 -0.0011 0.592918009
MON 19/09/2011 -0.205 13
TUE 20/09/2011 -0.138
WED 21/09/2011 0.3231
THU 22/09/2011 -0.0109
FRI 23/09/2011 -0.0655
SAT 24/09/2011 -0.1632
SUN 25/09/2011 -0.0011 -0.261240116
MON 26/09/2011 0.3376 14
TUE 27/09/2011 0.0164
WED 28/09/2011 -0.0434
THU 29/09/2011 -0.5036
FRI 30/09/2011 -0.1216
SAT 1/10/2011 -0.0011 Oct-11
SUN 2/10/2011 -0.0011 -0.318218307
MON 3/10/2011 0.0838 15
TUE 4/10/2011 0.1506
WED 5/10/2011 0.1546
THU 6/10/2011 0.4909
FRI 7/10/2011 -0.2766
SAT 8/10/2011 -0.0011
SUN 9/10/2011 -0.0011 0.601047077
MON 10/10/2011 -0.2256 16
TUE 11/10/2011 -0.1614
WED 12/10/2011 -0.1263
THU 13/10/2011 -0.1314
FRI 14/10/2011 -0.0135
SAT 15/10/2011 -0.0011
SUN 16/10/2011 -0.0011 -0.658772919
MON 17/10/2011 -0.2436 17
TUE 18/10/2011 0.0333
WED 19/10/2011 -0.1408
THU 20/10/2011 0.2489
FRI 21/10/2011 -0.0148
SAT 22/10/2011 -0.0011
SUN 23/10/2011 -0.0011 -0.119840431

Unfortunately the columns got lost on pasting. I used row A for column headings.
A - day
B - date
C - daily rate
D - week no.
E - weekly rate
F - month
G - monthly rate

Hi Crooza,

Am having a few PC gliches as well as nodding off . Age. Your offer is .... huge. I feel guilty about it, considering how helpful the code you sent already has been. In fact I borrowed two excel beginner books today cos I'd like to understand it and be able to make charts etc.

If you're busy or otherwise occupied plse say so and I'll complete it in my plodding way. I'm not letting 'em off the hook as they cost me sleep and dollars with their false advertising and I'm gonna prove it using their own data.

I'll try upload.....

FRI 1/07/2011 0
SAT 2/07/2011 -0.0011
SUN 3/07/2011 -0.0011
MON 4/07/2011 0
TUE 5/07/2011 -0.1477
WED 6/07/2011 0.1474
THU 7/07/2011 0.1039
FRI 8/07/2011 0.0575
SAT 9/07/2011 -0.0011
SUN 10/07/2011 -0.0011
MON 11/07/2011 -0.0244
TUE 12/07/2011 0.0758
WED 13/07/2011 0.3606
THU 14/07/2011 0.3895
FRI 15/07/2011 -0.0348
SAT 16/07/2011 -0.0011
SUN 17/07/2011 -0.0011
MON 18/07/2011 0.0503
TUE 19/07/2011 0.0975
WED 20/07/2011 0.0732
THU 21/07/2011 0.0275
FRI 22/07/2011 -0.1733
SAT 23/07/2011 -0.0011
SUN 24/07/2011 -0.0011
MON 25/07/2011 -0.032
TUE 26/07/2011 0.0499
WED 27/07/2011 0.1295
THU 28/07/2011 -0.0142
FRI 29/07/2011 -0.0947
SAT 30/07/2011 -0.0011
SUN 31/07/2011 -0.0011
MON 1/08/2011 0.1506
TUE 2/08/2011 0.3857
WED 3/08/2011 0.0801
THU 4/08/2011 0.2252
FRI 5/08/2011 0.3624
SAT 6/08/2011 -0.0011
SUN 7/08/2011 -0.0011
MON 8/08/2011 -0.1103
TUE 9/08/2011 0.5186
WED 10/08/2011 -0.1453
THU 11/08/2011 0.0481
FRI 12/08/2011 0.0794
SAT 13/08/2011 -0.0011
SUN 14/08/2011 -0.0011
MON 15/08/2011 0.0623
TUE 16/08/2011 0.0954
WED 17/08/2011 -0.2847
THU 18/08/2011 0.1565
FRI 19/08/2011 0.1253
SAT 20/08/2011 -0.0011
SUN 21/08/2011 -0.0011
MON 22/08/2011 0.3522
TUE 23/08/2011 0.2383
WED 24/08/2011 -0.0804
THU 25/08/2011 -0.3908
FRI 26/08/2011 -0.0542
SAT 27/08/2011 0.3108
SUN 28/08/2011 -0.0011
MON 29/08/2011 -0.1042
TUE 30/08/2011 0.0619
WED 31/08/2011 -0.0807
THU 1/09/2011 0.1046
FRI 2/09/2011 0.0227
SAT 3/09/2011 -0.0011
SUN 4/09/2011 -0.0011
MON 5/09/2011 0.0227
TUE 6/09/2011 0.1752
WED 7/09/2011 0.4187
THU 8/09/2011 0.0462
FRI 9/09/2011 -0.2938
SAT 10/09/2011 -0.0011
SUN 11/09/2011 -0.0011
MON 12/09/2011 0.2475
TUE 13/09/2011 0.0417
WED 14/09/2011 0.3082
THU 15/09/2011 -0.1217
FRI 16/09/2011 0.1186
SAT 17/09/2011 -0.0011
SUN 18/09/2011 -0.0011
MON 19/09/2011 -0.205
TUE 20/09/2011 -0.138
WED 21/09/2011 0.3231
THU 22/09/2011 -0.0109
FRI 23/09/2011 -0.0655
SAT 24/09/2011 -0.1632
SUN 25/09/2011 -0.0011
MON 26/09/2011 0.3376
TUE 27/09/2011 0.0164
WED 28/09/2011 -0.0434
THU 29/09/2011 -0.5036
FRI 30/09/2011 -0.1216
SAT 1/10/2011 -0.0011
SUN 2/10/2011 -0.0011
MON 3/10/2011 0.0838
TUE 4/10/2011 0.1506
WED 5/10/2011 0.1546
THU 6/10/2011 0.4909
FRI 7/10/2011 -0.2766
SAT 8/10/2011 -0.0011
SUN 9/10/2011 -0.0011
MON 10/10/2011 -0.2256
TUE 11/10/2011 -0.1614
WED 12/10/2011 -0.1263
THU 13/10/2011 -0.1314
FRI 14/10/2011 -0.0135
SAT 15/10/2011 -0.0011
SUN 16/10/2011 -0.0011
MON 17/10/2011 -0.2436
TUE 18/10/2011 0.0333
WED 19/10/2011 -0.1408
THU 20/10/2011 0.2489
FRI 21/10/2011 -0.0148
SAT 22/10/2011 -0.0011
SUN 23/10/2011 -0.0011
MON 24/10/2011 0.1091
TUE 25/10/2011 -0.1369
WED 26/10/2011 -0.0119
THU 27/10/2011 0.1271
FRI 28/10/2011 0.3359
SAT 29/10/2011 0.0316
SUN 30/10/2011 -0.0011
MON 31/10/2011 -0.3706
TUE 1/11/2011 -0.0311
WED 2/11/2011 0.2605
THU 3/11/2011 0.388
FRI 4/11/2011 0.2881
SAT 5/11/2011 -0.0011
SUN 6/11/2011 -0.0011
MON 7/11/2011 0.0287
TUE 8/11/2011 -0.1368
WED 9/11/2011 0.1479
THU 10/11/2011 0.0952
FRI 11/11/2011 -0.0227
SAT 12/11/2011 -0.0011
SUN 13/11/2011 -0.0011
MON 14/11/2011 0.2339
TUE 15/11/2011 -0.1106
WED 16/11/2011 -0.1618
THU 17/11/2011 0.2312
FRI 18/11/2011 0.1543
SAT 19/11/2011 -0.0011
SUN 20/11/2011 -0.0011
MON 21/11/2011 -0.1262
TUE 22/11/2011 0.0636
WED 23/11/2011 -0.109
THU 24/11/2011 0.1262
FRI 25/11/2011 0.0991
SAT 26/11/2011 -0.0473
SUN 27/11/2011 -0.0011
MON 28/11/2011 0.0073
TUE 29/11/2011 -0.069
WED 30/11/2011 0.0255
THU 1/12/2011 -0.1696
FRI 2/12/2011 0.0729
SAT 3/12/2011 -0.0011
SUN 4/12/2011 -0.0011
MON 5/12/2011 -0.0633
TUE 6/12/2011 0.1306
WED 7/12/2011 0.2021
THU 8/12/2011 0.149
FRI 9/12/2011 -0.0754
SAT 10/12/2011 -0.0011
SUN 11/12/2011 -0.0011
MON 12/12/2011 0.0698
TUE 13/12/2011 0.1535
WED 14/12/2011 -0.108
THU 15/12/2011 0.1555
FRI 16/12/2011 -0.0058
SAT 17/12/2011 -0.0011
SUN 18/12/2011 -0.0011
MON 19/12/2011 0.2288
TUE 20/12/2011 -0.071
WED 21/12/2011 0.1644
THU 22/12/2011 -0.0338
FRI 23/12/2011 -0.1625
SAT 24/12/2011 0.0037
SUN 25/12/2011 -0.0011
MON 26/12/2011 0.0774
TUE 27/12/2011 -0.0307
WED 28/12/2011 -0.0011
THU 29/12/2011 -0.0011
FRI 30/12/2011 0.0536
SAT 31/12/2011 -0.0011
SUN 1/01/2012 -0.0011
MON 2/01/2012 0.1579
TUE 3/01/2012 0.0916
WED 4/01/2012 -0.0011
THU 5/01/2012 -0.3414
FRI 6/01/2012 0.0923
SAT 7/01/2012 -0.0011
SUN 8/01/2012 -0.0011
MON 9/01/2012 0.0886
TUE 10/01/2012 0.0668
WED 11/01/2012 0.1814
THU 12/01/2012 -0.092
FRI 13/01/2012 0.0713
SAT 14/01/2012 -0.0011
SUN 15/01/2012 -0.0011
MON 16/01/2012 0.0843
TUE 17/01/2012 -0.1015
WED 18/01/2012 0.3867
THU 19/01/2012 -0.2172
FRI 20/01/2012 0.045
SAT 21/01/2012 -0.0011
SUN 22/01/2012 -0.0011
MON 23/01/2012 -0.0011
TUE 24/01/2012 -0.2064
WED 25/01/2012 -0.0833
THU 26/01/2012 -0.0684
FRI 27/01/2012 -0.1723
SAT 28/01/2012 0.0715
SUN 29/01/2012 -0.0011
MON 30/01/2012 0.1237
TUE 31/01/2012 0.3944
WED 1/02/2012 0.2319
THU 2/02/2012 0.1557
FRI 3/02/2012 0.0838
SAT 4/02/2012 -0.0011
SUN 5/02/2012 -0.0011
MON 6/02/2012 -0.0286
TUE 7/02/2012 -0.0477
WED 8/02/2012 -0.139
THU 9/02/2012 -0.2505
FRI 10/02/2012 -0.0324
SAT 11/02/2012 -0.001121
SUN 12/02/2012 -0.001121
MON 13/02/2012 -0.120729
TUE 14/02/2012 0.164872
WED 15/02/2012 -0.030884
THU 16/02/2012 0.13322
FRI 17/02/2012 -0.056972
SAT 18/02/2012 -0.001121
SUN 19/02/2012 -0.001121
MON 20/02/2012 0.154083
TUE 21/02/2012 -0.233337
WED 22/02/2012 -0.119283
THU 23/02/2012 0.127704
FRI 24/02/2012 0.086555
SAT 25/02/2012 0.003306
SUN 26/02/2012 -0.001121
MON 27/02/2012 0.14644
TUE 28/02/2012 -0.085195
WED 29/02/2012 0.20593
THU 1/03/2012 0.141861
FRI 2/03/2012 0.000112
SAT 3/03/2012 -0.001121
SUN 4/03/2012 -0.001121
MON 5/03/2012 -0.151867
TUE 6/03/2012 -0.038684
WED 7/03/2012 0.13839
THU 8/03/2012 0.102081
FRI 9/03/2012 0.118105
SAT 10/03/2012 -0.001121
SUN 11/03/2012 -0.001121
MON 12/03/2012 0.041568
TUE 13/03/2012 -0.119212
WED 14/03/2012 0.215295
THU 15/03/2012 -0.071844
FRI 16/03/2012 -0.370832
SAT 17/03/2012 -0.001121
SUN 18/03/2012 -0.001121
MON 19/03/2012 -0.432316
TUE 20/03/2012 0.075894
WED 21/03/2012 -0.047505
THU 22/03/2012 0.033265
FRI 23/03/2012 0.055839
SAT 24/03/2012 0.114663
SUN 25/03/2012 -0.001121
MON 26/03/2012 0.127527
TUE 27/03/2012 0.109361
WED 28/03/2012 0.033913
THU 29/03/2012 0.102543
FRI 30/03/2012 0.181065
SAT 31/03/2012 -0.001121
SUN 1/04/2012 -0.001121
MON 2/04/2012 0.208447
TUE 3/04/2012 0.052962
WED 4/04/2012 -0.069294
THU 5/04/2012 0.110487
FRI 6/04/2012 -0.074827
SAT 7/04/2012 -0.001121
SUN 8/04/2012 -0.001121
MON 9/04/2012 0.056125
TUE 10/04/2012 -0.001121
WED 11/04/2012 -0.001121
THU 12/04/2012 0.48547
FRI 13/04/2012 -0.057534
SAT 14/04/2012 -0.001121
SUN 15/04/2012 -0.001121
MON 16/04/2012 -0.053079
TUE 17/04/2012 0.232889
WED 18/04/2012 0.082957
THU 19/04/2012 -0.013575
FRI 20/04/2012 -0.081567
SAT 21/04/2012 -0.001121
SUN 22/04/2012 -0.001121
MON 23/04/2012 0.068844
TUE 24/04/2012 -0.032086
WED 25/04/2012 0.203505
THU 26/04/2012 0.122012
FRI 27/04/2012 0.005521
SAT 28/04/2012 0.090316
SUN 29/04/2012 -0.001121
MON 30/04/2012 -0.062657
TUE 1/05/2012 0.178361
WED 2/05/2012 0.009708
THU 3/05/2012 0.366735
FRI 4/05/2012 -0.12354
SAT 5/05/2012 -0.001121
SUN 6/05/2012 -0.001121
MON 7/05/2012 0.201643
TUE 8/05/2012 0.104886
WED 9/05/2012 0.339094
THU 10/05/2012 0.020779
FRI 11/05/2012 0.08647
SAT 12/05/2012 -0.001121
SUN 13/05/2012 -0.001121
MON 14/05/2012 -0.027697
TUE 15/05/2012 0.158237
WED 16/05/2012 0.071883
THU 17/05/2012 0.021225
FRI 18/05/2012 0.04215
SAT 19/05/2012 -0.001121
SUN 20/05/2012 -0.001121
MON 21/05/2012 -0.054506
TUE 22/05/2012 0.317253
WED 23/05/2012 -0.181027
THU 24/05/2012 -0.138233
FRI 25/05/2012 0.197213
SAT 26/05/2012 -0.066257
SUN 27/05/2012 -0.001121
MON 28/05/2012 0.050966
TUE 29/05/2012 -0.033819
WED 30/05/2012 -0.030741
THU 31/05/2012 0.136072
FRI 1/06/2012 0.294679
SAT 2/06/2012 -0.001121
SUN 3/06/2012 -0.001121
MON 4/06/2012 0.38891
TUE 5/06/2012 0.230844
WED 6/06/2012 0.054997
THU 7/06/2012 -0.416563
FRI 8/06/2012 -0.179626
SAT 9/06/2012 -0.001121
SUN 10/06/2012 -0.001121
MON 11/06/2012 -0.157827
TUE 12/06/2012 0.153879
WED 13/06/2012 0.042331
THU 14/06/2012 -0.018781
FRI 15/06/2012 -0.164334
SAT 16/06/2012 -0.001121
SUN 17/06/2012 -0.001121
MON 18/06/2012 0.268691
TUE 19/06/2012 0.008593
WED 20/06/2012 -0.134899
THU 21/06/2012 0.172356
FRI 22/06/2012 -0.294506
SAT 23/06/2012 0.04916
SUN 24/06/2012 -0.001121
MON 25/06/2012 0.020007
TUE 26/06/2012 0.135073
WED 27/06/2012 0.149953
THU 28/06/2012 0.092747
FRI 29/06/2012 -0.092216
SAT 30/06/2012 -0.552221
SUN 1/07/2012 0
MON 2/07/2012 0
TUE 3/07/2012 0
WED 4/07/2012 0.025417
THU 5/07/2012 -0.001672
FRI 6/07/2012 -0.065355
SAT 7/07/2012 -0.001203
SUN 8/07/2012 -0.001203
MON 9/07/2012 0.259243
TUE 10/07/2012 0.038867
WED 11/07/2012 0.221651
THU 12/07/2012 0.095505
FRI 13/07/2012 0.042338
SAT 14/07/2012 -0.001203
SUN 15/07/2012 -0.001203
MON 16/07/2012 0.304163
TUE 17/07/2012 0.026897
WED 18/07/2012 0.016163
THU 19/07/2012 0.018437
FRI 20/07/2012 0.075977
SAT 21/07/2012 -0.001203
SUN 22/07/2012 -0.001203
MON 23/07/2012 -0.013506
TUE 24/07/2012 0.100641
WED 25/07/2012 0.280603
THU 26/07/2012 -0.074188
FRI 27/07/2012 0.069525
SAT 28/07/2012 -0.001203
SUN 29/07/2012 -0.001203
MON 30/07/2012 -0.065498
TUE 31/07/2012 -0.48564
WED 1/08/2012 -0.15696
THU 2/08/2012 0.117483
FRI 3/08/2012 -0.084002
SAT 4/08/2012 -0.001203
SUN 5/08/2012 -0.001203
MON 6/08/2012 0.015616
TUE 7/08/2012 -0.006755
WED 8/08/2012 0.087702
THU 9/08/2012 -0.374236
FRI 10/08/2012 -0.084318
SAT 11/08/2012 -0.001203
SUN 12/08/2012 -0.001203
MON 13/08/2012 -0.039113
TUE 14/08/2012 0.254427
WED 15/08/2012 -0.018201
THU 16/08/2012 -0.153537
FRI 17/08/2012 -0.198095
SAT 18/08/2012 -0.001203
SUN 19/08/2012 -0.001203
MON 20/08/2012 -0.22315
TUE 21/08/2012 0.066478
WED 22/08/2012 0.074659
THU 23/08/2012 -0.004697
FRI 24/08/2012 0.247648
SAT 25/08/2012 0.017703
SUN 26/08/2012 -0.001203
MON 27/08/2012 0.246227
TUE 28/08/2012 0.062324
WED 29/08/2012 0.129701
THU 30/08/2012 0.042312
FRI 31/08/2012 0.00969
SAT 1/09/2012 -0.001203
SUN 2/09/2012 -0.001203
MON 3/09/2012 0.203334
TUE 4/09/2012 0.137346
WED 5/09/2012 0.041208
THU 6/09/2012 -0.004191
FRI 7/09/2012 0.122405
SAT 8/09/2012 -0.001203
SUN 9/09/2012 -0.001203
MON 10/09/2012 -0.198554
TUE 11/09/2012 -0.123308
WED 12/09/2012 0.173723
THU 13/09/2012 0.028262
FRI 14/09/2012 -0.170169
SAT 15/09/2012 -0.001203
SUN 16/09/2012 -0.001203
MON 17/09/2012 -0.006516
TUE 18/09/2012 -0.120234
WED 19/09/2012 -0.182615
THU 20/09/2012 0.253684
FRI 21/09/2012 0.031656
SAT 22/09/2012 -0.001203
SUN 23/09/2012 -0.001203
MON 24/09/2012 0.309936
TUE 25/09/2012 -0.132963
WED 26/09/2012 0.187307
THU 27/09/2012 0.10392
FRI 28/09/2012 0.21333
SAT 29/09/2012 0.016791
SUN 30/09/2012 -0.001203
MON 1/10/2012 0.060958
TUE 2/10/2012 0.125291
WED 3/10/2012 0.026145
THU 4/10/2012 0.128299
FRI 5/10/2012 0.15422
SAT 6/10/2012 -0.001203
SUN 7/10/2012 -0.001203
MON 8/10/2012 -0.109087
TUE 9/10/2012 -0.135921
WED 10/10/2012 -0.019718
THU 11/10/2012 0.040616
FRI 12/10/2012 -0.008828
SAT 13/10/2012 -0.001203
SUN 14/10/2012 -0.001203
MON 15/10/2012 0.163797
TUE 16/10/2012 0.052983
WED 17/10/2012 0.059192
THU 18/10/2012 -0.069063
FRI 19/10/2012 -0.245312
SAT 20/10/2012 -0.001203
SUN 21/10/2012 -0.001203
MON 22/10/2012 -0.213427
TUE 23/10/2012 0.144087
WED 24/10/2012 0.053691
THU 25/10/2012 -0.078728
FRI 26/10/2012 -0.020334
SAT 27/10/2012 0.018259
SUN 28/10/2012 -0.001203
MON 29/10/2012 -0.128934
TUE 30/10/2012 0.118607
WED 31/10/2012 0.177704
THU 1/11/2012 0.100851
FRI 2/11/2012 0.03491
SAT 3/11/2012 -0.001203
SUN 4/11/2012 -0.001203
MON 5/11/2012 0.017796
TUE 6/11/2012 -0.135697
WED 7/11/2012 0.081279
THU 8/11/2012 -0.117721
FRI 9/11/2012 0.089767
SAT 10/11/2012 -0.001203
SUN 11/11/2012 -0.001203
MON 12/11/2012 0.094857
TUE 13/11/2012 0.097471
WED 14/11/2012 0.058333
THU 15/11/2012 0.05208
FRI 16/11/2012 -0.02792
SAT 17/11/2012 -0.001203
SUN 18/11/2012 -0.001203
MON 19/11/2012 0.080775
TUE 20/11/2012 -0.010525
WED 21/11/2012 -0.094417
THU 22/11/2012 -0.17152
FRI 23/11/2012 -0.080367
SAT 24/11/2012 0.136708
SUN 25/11/2012 -0.001203
MON 26/11/2012 -0.103432
TUE 27/11/2012 -0.078593
WED 28/11/2012 0.107474
THU 29/11/2012 -0.035926
FRI 30/11/2012 0.183555
SAT 1/12/2012 0.019504
SUN 2/12/2012 -0.001203
MON 3/12/2012 0.01676
TUE 4/12/2012 0.177282
WED 5/12/2012 0.069148
THU 6/12/2012 -0.039458
FRI 7/12/2012 0.017797
SAT 8/12/2012 -0.001203
SUN 9/12/2012 -0.001203
MON 10/12/2012 0.152156
TUE 11/12/2012 -0.023155
WED 12/12/2012 -0.058452
THU 13/12/2012 0.061212
FRI 14/12/2012 -0.204735
SAT 15/12/2012 -0.001203
SUN 16/12/2012 -0.001203
MON 17/12/2012 -0.165803
TUE 18/12/2012 -0.125793
WED 19/12/2012 0.031584
THU 20/12/2012 -0.089571
FRI 21/12/2012 0.02088
SAT 22/12/2012 -0.001203
SUN 23/12/2012 -0.001203
MON 24/12/2012 0.095933
TUE 25/12/2012 0.139761
WED 26/12/2012 -0.028873
THU 27/12/2012 -0.001203
FRI 28/12/2012 -0.001203
SAT 29/12/2012 -0.117312
SUN 30/12/2012 -0.001203
MON 31/12/2012 0.079447

had to break it in two to upload...

TUE 1/01/2013 0.060162
WED 2/01/2013 0.091386
THU 3/01/2013 -0.001203
FRI 4/01/2013 -0.2855
SAT 5/01/2013 -0.001203
SUN 6/01/2013 -0.001203
MON 7/01/2013 0.000071
TUE 8/01/2013 -0.194597
WED 9/01/2013 0.081615
THU 10/01/2013 0.069063
FRI 11/01/2013 0.081025
SAT 12/01/2013 -0.001203
SUN 13/01/2013 -0.001203
MON 14/01/2013 -0.092517
TUE 15/01/2013 -0.038237
WED 16/01/2013 0.074578
THU 17/01/2013 0.095882
FRI 18/01/2013 0.191497
SAT 19/01/2013 -0.001203
SUN 20/01/2013 -0.001203
MON 21/01/2013 0.121424
TUE 22/01/2013 -0.201946
WED 23/01/2013 0.110404
THU 24/01/2013 -0.006393
FRI 25/01/2013 0.138921
SAT 26/01/2013 -0.02035
SUN 27/01/2013 -0.001203
MON 28/01/2013 0.023783
TUE 29/01/2013 -0.168389
WED 30/01/2013 -0.015183
THU 31/01/2013 -0.352676
FRI 1/02/2013 -0.017158
SAT 2/02/2013 -0.001203
SUN 3/02/2013 -0.001203
MON 4/02/2013 0.188925
TUE 5/02/2013 -0.150389
WED 6/02/2013 -0.065199
THU 7/02/2013 0.152935
FRI 8/02/2013 -0.011267
SAT 9/02/2013 -0.001203
SUN 10/02/2013 -0.001203
MON 11/02/2013 0.13819
TUE 12/02/2013 -0.042656
WED 13/02/2013 0.106915
THU 14/02/2013 -0.042278
FRI 15/02/2013 -0.13787
SAT 16/02/2013 -0.001203
SUN 17/02/2013 -0.001203
MON 18/02/2013 -0.104371
TUE 19/02/2013 0.124534
WED 20/02/2013 -0.049995
THU 21/02/2013 -0.011885
FRI 22/02/2013 0.009544
SAT 23/02/2013 0.043861
SUN 24/02/2013 -0.001203
MON 25/02/2013 0.16132
TUE 26/02/2013 0.009703
WED 27/02/2013 0.156724
THU 28/02/2013 0.266299
FRI 1/03/2013 0.094601
SAT 2/03/2013 -0.001203
SUN 3/03/2013 -0.001203
MON 4/03/2013 0.013715
TUE 5/03/2013 0.073794
WED 6/03/2013 0.113833
THU 7/03/2013 -0.168028
FRI 8/03/2013 -0.151267
SAT 9/03/2013 -0.001203
SUN 10/03/2013 -0.001203
MON 11/03/2013 -0.110503
TUE 12/03/2013 -0.250176
WED 13/03/2013 -0.028387
THU 14/03/2013 -0.025323
FRI 15/03/2013 0.073654
SAT 16/03/2013 -0.001203
SUN 17/03/2013 -0.001203
MON 18/03/2013 -0.263274
TUE 19/03/2013 0.135898
WED 20/03/2013 0.342835
THU 21/03/2013 -0.066894
FRI 22/03/2013 0.051365
SAT 23/03/2013 -0.001203
SUN 24/03/2013 -0.001203
MON 25/03/2013 -0.106909
TUE 26/03/2013 0.078614
WED 27/03/2013 -0.095172
THU 28/03/2013 0.129418
FRI 29/03/2013 0.175783
SAT 30/03/2013 0.143984
SUN 31/03/2013 -0.001203
MON 1/04/2013 0.181315
TUE 2/04/2013 -0.001203
WED 3/04/2013 -0.001203
THU 4/04/2013 0.04295
FRI 5/04/2013 -0.014788
SAT 6/04/2013 -0.001203
SUN 7/04/2013 -0.001203
MON 8/04/2013 0.183601
TUE 9/04/2013 0.282422
WED 10/04/2013 0.132194
THU 11/04/2013 -0.043153
FRI 12/04/2013 -0.127419
SAT 13/04/2013 -0.001203
SUN 14/04/2013 -0.001203
MON 15/04/2013 0.025832
TUE 16/04/2013 0.072537
WED 17/04/2013 0.158115
THU 18/04/2013 -0.040072
FRI 19/04/2013 -0.010756
SAT 20/04/2013 -0.001203
SUN 21/04/2013 -0.001203
MON 22/04/2013 0.130445
TUE 23/04/2013 -0.024372
WED 24/04/2013 0.028461
THU 25/04/2013 0.16794
FRI 26/04/2013 0.031965
SAT 27/04/2013 -0.137555
SUN 28/04/2013 -0.001203
MON 29/04/2013 -0.01033
TUE 30/04/2013 0.051491
WED 1/05/2013 0.118137
THU 2/05/2013 0.066769
FRI 3/05/2013 0.039954
SAT 4/05/2013 -0.001203
SUN 5/05/2013 -0.001203
MON 6/05/2013 0.189389
TUE 7/05/2013 -0.091292
WED 8/05/2013 -0.119397
THU 9/05/2013 0.144683
FRI 10/05/2013 -0.030011
SAT 11/05/2013 -0.001203
SUN 12/05/2013 -0.001203
MON 13/05/2013 -0.07467
TUE 14/05/2013 -0.291772
WED 15/05/2013 0.018674
THU 16/05/2013 -0.047083
FRI 17/05/2013 -0.06398
SAT 18/05/2013 -0.001203
SUN 19/05/2013 -0.001203
MON 20/05/2013 0.157651
TUE 21/05/2013 0.068204
WED 22/05/2013 -0.109533
THU 23/05/2013 -0.06456
FRI 24/05/2013 -0.078848
SAT 25/05/2013 -0.004768
SUN 26/05/2013 -0.001203
MON 27/05/2013 -0.041447
TUE 28/05/2013 -0.006534
WED 29/05/2013 0.077599
THU 30/05/2013 -0.21478
FRI 31/05/2013 -0.299885
SAT 1/06/2013 -0.001203
SUN 2/06/2013 -0.001203
MON 3/06/2013 0.125118
TUE 4/06/2013 0.029553
WED 5/06/2013 -0.081431
THU 6/06/2013 -0.117776
FRI 7/06/2013 0.108586
SAT 8/06/2013 -0.001203
SUN 9/06/2013 -0.001203
MON 10/06/2013 0.07954
TUE 11/06/2013 0.097434
WED 12/06/2013 -0.049862
THU 13/06/2013 -0.375314
FRI 14/06/2013 -0.168579
SAT 15/06/2013 -0.001203
SUN 16/06/2013 -0.001203
MON 17/06/2013 0.160595
TUE 18/06/2013 0.152681
WED 19/06/2013 -0.112103
THU 20/06/2013 0.017513
FRI 21/06/2013 -0.08807
SAT 22/06/2013 -0.001203
SUN 23/06/2013 -0.001203
MON 24/06/2013 -0.666372
TUE 25/06/2013 -0.408488
WED 26/06/2013 -0.750274
THU 27/06/2013 0.405238
FRI 28/06/2013 0.051572
SAT 29/06/2013 0.170608
SUN 30/06/2013 -0.001203
MON 1/07/2013 0
TUE 2/07/2013 0
WED 3/07/2013 -0.090536
THU 4/07/2013 0.261508
FRI 5/07/2013 0.072313
SAT 6/07/2013 -0.001203
SUN 7/07/2013 -0.001203
MON 8/07/2013 -0.136845
TUE 9/07/2013 -0.23625
WED 10/07/2013 -0.177235
THU 11/07/2013 0.085858
FRI 12/07/2013 0.166197
SAT 13/07/2013 -0.001203
SUN 14/07/2013 -0.001203
MON 15/07/2013 0.308329
TUE 16/07/2013 -0.035352
WED 17/07/2013 0.114616
THU 18/07/2013 0.032945
FRI 19/07/2013 0.041459
SAT 20/07/2013 -0.001203
SUN 21/07/2013 -0.001203
MON 22/07/2013 0.17396
TUE 23/07/2013 0.056796
WED 24/07/2013 0.127472
THU 25/07/2013 -0.042523
FRI 26/07/2013 -0.166361
SAT 27/07/2013 -0.001203
SUN 28/07/2013 -0.001203
MON 29/07/2013 -0.195861
TUE 30/07/2013 0.075902
WED 31/07/2013 0.079589
THU 1/08/2013 0.108637
FRI 2/08/2013 -0.006343
SAT 3/08/2013 -0.001203
SUN 4/08/2013 -0.001203
MON 5/08/2013 0.063288
TUE 6/08/2013 -0.138087
WED 7/08/2013 -0.009059
THU 8/08/2013 0.170167
FRI 9/08/2013 0.116942
SAT 10/08/2013 -0.001203
SUN 11/08/2013 -0.001203
MON 12/08/2013 0.057878
TUE 13/08/2013 -0.113502
WED 14/08/2013 0.0354
THU 15/08/2013 -0.243429
FRI 16/08/2013 -0.184184
SAT 17/08/2013 -0.001203
SUN 18/08/2013 -0.001203
MON 19/08/2013 -0.161437
TUE 20/08/2013 -0.190355
WED 21/08/2013 -0.150927
THU 22/08/2013 0.155114
FRI 23/08/2013 -0.020644
SAT 24/08/2013 -0.235483
SUN 25/08/2013 -0.001203
MON 26/08/2013 -0.242823
TUE 27/08/2013 0.133371
WED 28/08/2013 0.110423
THU 29/08/2013 0.268842
FRI 30/08/2013 0.010329
SAT 31/08/2013 -0.001203
SUN 1/09/2013 -0.001203
MON 2/09/2013 0.021121
TUE 3/09/2013 0.037365
WED 4/09/2013 -0.142421
THU 5/09/2013 -0.18862
FRI 6/09/2013 -0.12
SAT 7/09/2013 -0.001203
SUN 8/09/2013 -0.001203
MON 9/09/2013 -0.239456
TUE 10/09/2013 -0.092069
WED 11/09/2013 0.207918
THU 12/09/2013 -0.182465
FRI 13/09/2013 0.005476
SAT 14/09/2013 -0.001203
SUN 15/09/2013 -0.001203
MON 16/09/2013 0.3077
TUE 17/09/2013 -0.099904
WED 18/09/2013 0.24474
THU 19/09/2013 -0.076384
FRI 20/09/2013 0.068765
SAT 21/09/2013 0.055997
SUN 22/09/2013 -0.001203
MON 23/09/2013 0.426214
TUE 24/09/2013 -0.125967
WED 25/09/2013 -0.023135
THU 26/09/2013 0.226723
FRI 27/09/2013 0.101991
SAT 28/09/2013 -0.001203
SUN 29/09/2013 -0.001203
MON 30/09/2013 0.004176
TUE 1/10/2013 0.079703
WED 2/10/2013 0.133937
THU 3/10/2013 -0.094944
FRI 4/10/2013 0.056647
SAT 5/10/2013 -0.001203
SUN 6/10/2013 -0.001203
MON 7/10/2013 0.040693
TUE 8/10/2013 -0.215084
WED 9/10/2013 0.05474
THU 10/10/2013 -0.100073
FRI 11/10/2013 -0.031536
SAT 12/10/2013 -0.001203
SUN 13/10/2013 -0.001203
MON 14/10/2013 -0.168041
TUE 15/10/2013 0.082195
WED 16/10/2013 0.043408
THU 17/10/2013 -0.226605
FRI 18/10/2013 -0.054209
SAT 19/10/2013 -0.001203
SUN 20/10/2013 -0.001203
MON 21/10/2013 0.377801
TUE 22/10/2013 0.090724
WED 23/10/2013 0.073235
THU 24/10/2013 0.069807
FRI 25/10/2013 0.31941
SAT 26/10/2013 -0.080377
SUN 27/10/2013 -0.001203
MON 28/10/2013 -0.01611
TUE 29/10/2013 0.051437
WED 30/10/2013 -0.056939
THU 31/10/2013 0.090925
FRI 1/11/2013 0.077369
SAT 2/11/2013 -0.001203
SUN 3/11/2013 -0.001203
MON 4/11/2013 -0.131855
TUE 5/11/2013 -0.156091
WED 6/11/2013 -0.103927
THU 7/11/2013 -0.071825
FRI 8/11/2013 -0.137421
SAT 9/11/2013 -0.001203
SUN 10/11/2013 -0.001203
MON 11/11/2013 0.187233
TUE 12/11/2013 -0.061722
WED 13/11/2013 -0.157532
THU 14/11/2013 -0.159759
FRI 15/11/2013 0.104784
SAT 16/11/2013 -0.001203
SUN 17/11/2013 -0.001203
MON 18/11/2013 0.158385
TUE 19/11/2013 0.039839
WED 20/11/2013 0.067305
THU 21/11/2013 -0.045597
FRI 22/11/2013 -0.122335
SAT 23/11/2013 -0.001203
SUN 24/11/2013 -0.001203
MON 25/11/2013 -0.141786
TUE 26/11/2013 0.112052
WED 27/11/2013 0.109274
THU 28/11/2013 0.174944
FRI 29/11/2013 0.063482
SAT 30/11/2013 -0.008426
SUN 1/12/2013 -0.001203
MON 2/12/2013 -0.100869
TUE 3/12/2013 0.104056
WED 4/12/2013 -0.206588
THU 5/12/2013 -0.034543
FRI 6/12/2013 -0.018951
SAT 7/12/2013 -0.001203
SUN 8/12/2013 -0.001203
MON 9/12/2013 -0.173692
TUE 10/12/2013 -0.029251
WED 11/12/2013 0.204136
THU 12/12/2013 0.05989
FRI 13/12/2013 0.076532
SAT 14/12/2013 -0.001203
SUN 15/12/2013 -0.001203
MON 16/12/2013 0.07748
TUE 17/12/2013 0.059165
WED 18/12/2013 0.223974
THU 19/12/2013 0.000301
FRI 20/12/2013 -0.005775
SAT 21/12/2013 0.097396
SUN 22/12/2013 -0.001203
MON 23/12/2013 -0.118056
TUE 24/12/2013 0.038394
WED 25/12/2013 0.039192
THU 26/12/2013 0.008967
FRI 27/12/2013 -0.001203
SAT 28/12/2013 -0.001203
SUN 29/12/2013 -0.001203
MON 30/12/2013 -0.001203
TUE 31/12/2013 -0.12013
WED 1/01/2014 0.091448
THU 2/01/2014 0.078445
FRI 3/01/2014 -0.001203
SAT 4/01/2014 -0.001203
SUN 5/01/2014 -0.001203
MON 6/01/2014 -0.193737
TUE 7/01/2014 -0.00299
WED 8/01/2014 0.013596
THU 9/01/2014 0.170628
FRI 10/01/2014 -0.003735
SAT 11/01/2014 -0.001203
SUN 12/01/2014 -0.001203
MON 13/01/2014 -0.040973
TUE 14/01/2014 0.213634
WED 15/01/2014 0.133597
THU 16/01/2014 0.065337
FRI 17/01/2014 -0.124298
SAT 18/01/2014 -0.001203
SUN 19/01/2014 -0.001203
MON 20/01/2014 0.184058
TUE 21/01/2014 0.187529
WED 22/01/2014 0.06866
THU 23/01/2014 -0.039033
FRI 24/01/2014 -0.205383
SAT 25/01/2014 0.271805
SUN 26/01/2014 -0.001203
MON 27/01/2014 0.138844
TUE 28/01/2014 0.322269
WED 29/01/2014 -0.009678
THU 30/01/2014 0.014109
FRI 31/01/2014 -0.127709
SAT 1/02/2014 -0.001203
SUN 2/02/2014 -0.001203
MON 3/02/2014 0.198524
TUE 4/02/2014 0.049031
WED 5/02/2014 0.080206
THU 6/02/2014 -0.074294
FRI 7/02/2014 -0.032391
SAT 8/02/2014 -0.001203
SUN 9/02/2014 -0.001203
MON 10/02/2014 -0.167806
TUE 11/02/2014 -0.07901
WED 12/02/2014 0.039876
THU 13/02/2014 -0.078277
FRI 14/02/2014 -0.109565
SAT 15/02/2014 -0.001203
SUN 16/02/2014 -0.001203
MON 17/02/2014 0.182621
TUE 18/02/2014 0.153088
WED 19/02/2014 -0.083427
THU 20/02/2014 0.012741
FRI 21/02/2014 0.070166
SAT 22/02/2014 -0.274579
SUN 23/02/2014 -0.001203
MON 24/02/2014 -0.02665
TUE 25/02/2014 -0.115362
WED 26/02/2014 0.131808
THU 27/02/2014 0.081432
FRI 28/02/2014 0.156256
SAT 1/03/2014 -0.001203
SUN 2/03/2014 -0.001203
MON 3/03/2014 0.205875
TUE 4/03/2014 0.082505
WED 5/03/2014 0.163436
THU 6/03/2014 -0.135873
FRI 7/03/2014 -0.121401
SAT 8/03/2014 -0.001203
SUN 9/03/2014 -0.001203
MON 10/03/2014 -0.121612
TUE 11/03/2014 -0.15032
WED 12/03/2014 -0.029481
THU 13/03/2014 0.099123
FRI 14/03/2014 0.057381
SAT 15/03/2014 -0.001203
SUN 16/03/2014 -0.001203
MON 17/03/2014 0.062673
TUE 18/03/2014 0.265899
WED 19/03/2014 -0.051292
THU 20/03/2014 -0.046936
FRI 21/03/2014 -0.02655
SAT 22/03/2014 -0.001203
SUN 23/03/2014 -0.001203
MON 24/03/2014 -0.170803
TUE 25/03/2014 -0.016748
WED 26/03/2014 0.045825
THU 27/03/2014 0.12983
FRI 28/03/2014 0.057275
SAT 29/03/2014 0.015721
SUN 30/03/2014 -0.001203
MON 31/03/2014 0.095917
TUE 1/04/2014 0.004882
WED 2/04/2014 -0.013361
THU 3/04/2014 -0.124072
FRI 4/04/2014 -0.111618
SAT 5/04/2014 -0.001203
SUN 6/04/2014 -0.001203
MON 7/04/2014 0.01952
TUE 8/04/2014 0.158841
WED 9/04/2014 0.220191
THU 10/04/2014 0.005
FRI 11/04/2014 0.044719
SAT 12/04/2014 -0.001203
SUN 13/04/2014 -0.001203
MON 14/04/2014 0.107165
TUE 15/04/2014 0.096109
WED 16/04/2014 0.113293
THU 17/04/2014 0.002397
FRI 18/04/2014 0.027147
SAT 19/04/2014 -0.001203
SUN 20/04/2014 -0.001203
MON 21/04/2014 -0.004573
TUE 22/04/2014 -0.001203
WED 23/04/2014 -0.001203
THU 24/04/2014 -0.069767
FRI 25/04/2014 0.142925
SAT 26/04/2014 0.019423
SUN 27/04/2014 -0.001203
MON 28/04/2014 0.000848
TUE 29/04/2014 0.041426
WED 30/04/2014 0.090159
THU 1/05/2014 -0.012803
FRI 2/05/2014 0.0268
SAT 3/05/2014 0
SUN 4/05/2014 0
MON 5/05/2014 0.0731
TUE 6/05/2014 0.1123
WED 7/05/2014 0.0891
THU 8/05/2014 0.069
FRI 9/05/2014 -0.0161
SAT 10/05/2014 0
SUN 11/05/2014 0
MON 12/05/2014 0.0217
TUE 13/05/2014 0.025
WED 14/05/2014 -0.0361
THU 15/05/2014 0.0276
FRI 16/05/2014 0.182
SAT 17/05/2014 0
SUN 18/05/2014 0
MON 19/05/2014 0.1384
TUE 20/05/2014 0.0663
WED 21/05/2014 0.064
THU 22/05/2014 -0.0506
FRI 23/05/2014 0.1071
SAT 24/05/2014 0
SUN 25/05/2014 0
MON 26/05/2014 -0.1816
TUE 27/05/2014 -0.0114
WED 28/05/2014 0.1008
THU 29/05/2014 0.0202
FRI 30/05/2014 0.1908
SAT 31/05/2014 0
SUN 1/06/2014 0
MON 2/06/2014 0.1357
TUE 3/06/2014 -0.035
WED 4/06/2014 -0.0856
THU 5/06/2014 -0.1584
FRI 6/06/2014 -0.1684
SAT 7/06/2014 0
SUN 8/06/2014 0
MON 9/06/2014 0.0582
TUE 10/06/2014 0.0639
WED 11/06/2014 0
THU 12/06/2014 0.0185
FRI 13/06/2014 -0.1077
SAT 14/06/2014 0
SUN 15/06/2014 0
MON 16/06/2014 0.1103
TUE 17/06/2014 0.0681
WED 18/06/2014 0.1191
THU 19/06/2014 0.0686
FRI 20/06/2014 -0.0497
SAT 21/06/2014 0
SUN 22/06/2014 0
MON 23/06/2014 0.1844
TUE 24/06/2014 -0.0191
WED 25/06/2014 0.0027
THU 26/06/2014 0.1933
FRI 27/06/2014 0.1646
SAT 28/06/2014 0
SUN 29/06/2014 0
MON 30/06/2014 0.0336
TUE 1/07/2014 0
WED 2/07/2014 0
THU 3/07/2014 -0.1351
FRI 4/07/2014 -0.0083
SAT 5/07/2014 0
SUN 6/07/2014 0
MON 7/07/2014 0.0716
TUE 8/07/2014 -0.0824
WED 9/07/2014 0.0416
THU 10/07/2014 0.1034
FRI 11/07/2014 0.1302
SAT 12/07/2014 0
SUN 13/07/2014 0
MON 14/07/2014 0.1259
TUE 15/07/2014 0.1211
WED 16/07/2014 -0.0646
THU 17/07/2014 0.0181
FRI 18/07/2014 0.0507
SAT 19/07/2014 0
SUN 20/07/2014 0
MON 21/07/2014 0.097
TUE 22/07/2014 0.0604
WED 23/07/2014 -0.0251
THU 24/07/2014 0.0255
FRI 25/07/2014 -0.0656
SAT 26/07/2014 0
SUN 27/07/2014 0
MON 28/07/2014 -0.0785
TUE 29/07/2014 0.0483
WED 30/07/2014 0.0348
THU 31/07/2014 -0.0328
FRI 1/08/2014 0.0082
SAT 2/08/2014 0
SUN 3/08/2014 0
MON 4/08/2014 -0.1576
TUE 5/08/2014 0.0222
WED 6/08/2014 0.0251
THU 7/08/2014 0.0958
FRI 8/08/2014 -0.0622
SAT 9/08/2014 0
SUN 10/08/2014 0
MON 11/08/2014 0.2851
TUE 12/08/2014 0.3081
WED 13/08/2014 -0.2705
THU 14/08/2014 -0.0516
FRI 15/08/2014 -0.0242
SAT 16/08/2014 0
SUN 17/08/2014 0
MON 18/08/2014 0.2051
TUE 19/08/2014 0.0735
WED 20/08/2014 0.051
THU 21/08/2014 -0.0948
FRI 22/08/2014 -0.0586
SAT 23/08/2014 0
SUN 24/08/2014 0
MON 25/08/2014 -0.0852
TUE 26/08/2014 0.0125
WED 27/08/2014 0.101
THU 28/08/2014 0.2117
FRI 29/08/2014 0.138
SAT 30/08/2014 0
SUN 31/08/2014 0
MON 1/09/2014 0.0396
TUE 2/09/2014 0.0791
WED 3/09/2014 -0.0448
THU 4/09/2014 -0.1498
FRI 5/09/2014 -0.1584
SAT 6/09/2014 0
SUN 7/09/2014 0
MON 8/09/2014 -0.0208
TUE 9/09/2014 -0.0775
WED 10/09/2014 0.0102
THU
FRI

Last bit I have...

I hope you know how to get the program to put the data into 3 columns. If not, plse don't tackle it at all.

THU 11/09/2014 -0.5138
FRI 12/09/2014 -0.0772
SAT 13/09/2014 0
SUN 14/09/2014 0
MON 15/09/2014 -0.0762
TUE 16/09/2014 -0.0795
WED 17/09/2014 -0.0347
THU 18/09/2014 0.0803
FRI 19/09/2014 -0.0401
SAT 20/09/2014 0
SUN 21/09/2014 0

Thanks greatly Crooza. Will look at it in detail tonight. Hope this doesn't post twice as I just tried to send same msg, but must of hit wrong button. Cheers for now, have home repair to tackle b4 dark.

Crooza,

What you've done and sent is sooo excellent. Will do some checks in my slow style. I guess all the posts reflect my rank learner status, with an advanced problem The Kingsoft spreadsheets program opened it up no problem. Good freeware.

I like also how when I click on a cell I can see your formula, so the document will help my learning and understanding of formula.

7 negative months showing and no doubt Sept this year would also be a negative month if I get more current data. That will make 8 negative months in 39 months. Too volatile for me. I put the retirement funds in on Sep 1 cos they advertised risk as no greater than money in the bank with negative returns expected only 0.4 of a year over 20 year period which = 2% of the time. Their negative monthly returns are occurring at around 20% of the time.... 10 times more frequently than advertised and even worse than I thought. I'll give them opportunity to compensate me for losses, otherwise formal complaints to ombudsman and also trade practices regulator for false and misleading advertising will be happening.

The only thing I noticed was the monthly figures show beside the 1st day of the following month eg the last day of the first month finishes at row 32 and the monthly figure shows in row 33 being the first day of the next month. Maybe that is the proper protocol, I wouldn't know. I looked at the monthly calculation formula, but was too advanced for me.

Thanks so much. You're an excel guru and legend in my book.

Ben

Crooza,

Thanks for the new monthly figures.

I’m not sure whether my alternate software might be the reason, but there is no value showing for the first month, or for Dec 2011. It just says #N/A.

The revised monthly calculation also shows a result for part month Sep 2014, but shows a positive figure which can’t be right looking at the disasterous Sep 2014 daily earnings rates.

There “looks’ to be a fair variation for some months just from a one day adjustment. Dec 2012, as an example, shows a fair size positive gain. In practice I think the 0.019504 has been added into the calculation (the first day of the month) and 0.060162 has been removed from the calculation (being the first of the following month). So a larger positive return was removed than was added yet the new monthly figure shows that the monthly return increased significantly?

My brain has trouble properly grasping the compounding effect of percentages when they cycle between positive and negative.

As part of grasping the changes if I look at May 2014, the last day of month was a zero day (so no changes at that end of month needed ) and the first day of month was a negative figure. Therefore the new monthly figure, is it just a case of applying the negative day to the previous monthly calculation for May? Or does every day need to be calculated separately starting with the negative day of the first of the month.

I’m not sure of the correct approach to manually check new monthly versus previous monthly figures. To remove the last day (being the first day of the following month) from the original calculation would be easy, but I “think” I have to include a first of month day at the beginning to complete the adjustment? If so, I think, to be correct, I would need to then follow a very much longer process and start raw from first day of the month and calculate each day manually up to and including last day of month, then check result against the new monthly calc’s?

A shortcut approach I thought might be to starting with the first of the month figure then apply the original monthly figure to it, then slice out the last day of the original monthly figure (as it was actually the first day of the next month per the original formula.). But again I suspect this approach would not be accurate, because once an additional day is added at the beginning then I ‘think’ each subsequent day would need to be calculated one at a time to be accurate? I’ll need to be as accurate as I can because no doubt the Fund would employ some spreadsheet aces, who’ll try to discredit my evidence of their false representations. Sorry this post is a bit long winded. Your separate "index" also makes for Great ammo in identifying significant negative return periods.

thanx & regards,
Ben

Crooza,
Very excellent help once more, and no apologies needed at all. I’m very lucky to have received such help from a very decent person, and very smart cookie at that.

I have downloaded the file and will go over it tomorrow, when brain is not so fatigued. The last monthly return, for part Sep 2014, doesn’t appear right to my eyeballs, from glancing the string of daily negative returns received, espec -0.5138 on 11.09.2014. The return I think should be significantly more negative.

I’ve noticed from the “index” column, that you so wisely suggested and included, that there are also variations between the actual annual returns (based on their data) and their advertised annual returns (according to my math).

They advertised historic annual returns of 10.13% for 2011/12, 2.35% for 2012/13, and 5.17% for 2013/14. According to my check against the index column the first year was confirmed as correct, but the second and third years came out as 1.91% and 5.08% respectively. So this appears to be more false advertising that I can make reference to, although I will double check my calc first. Thanks.

regards,
Ben

Crooza,
Thanks again. I spent some bits of time going over it, and learning basic code language. I will have to look closer at your changes during tomorrow. Thanks so much.

For me to manually check monthly returns I have thought that rather than one day at a time it would be so much easier to simply compare the figures for the last day of each month using the “index” column, seeing how it is record of running percentage changes eg if last day of one month was 120 and last day of next month was 125 then monthly % return would be:

(125-120) / (120/100) = 4.1666666666666666666666666666667

Can you see any risk in this approach? It does rely fully on the Index column being 100% accurate which I guess it must be, although there is a difference between the two most recent yearly returns that the Fund advertised and what I came up with from using the index column figures as basis for my check.

Is there any way that the index figures could be inaccurate or partly inaccurate? It “looks” like the same code runs from start to finish so my thinking is the Fund must have falsely advertised higher than actual returns deliberately for last two financial years. Unless they topped up this particular investment option out of their reserves rather show the real returns.

I made my first spreadsheet chart from your index figures, though I hardly knew what I was doing. I hope to progress to one that will highlight the discrepancy between their actual periods of negative returns and what they advertise.

regards,
Ben