Net worth mid-September

Back at the end of May I posted my first net worth update and I was curious to see if there had been any improvement. I still don't quite have a routine or method for this down and I think it'll take me the guts of a year to really be able to see exactly what's what. That accounts for the fact that, according to my spreadsheet, my net worth has gone up by just over 12.5% in just over three months. About 3% of that is due to my starting the new pension plan with work. I don't know how to figure that one out exactly yet so for now I'm just counting what I've paid in - when I do get a statement (I think at the end of the calendar year) I'll have to do an adjustment to take account of fees and what not. Hopefully they'll also point me in the direction of an online tool that will allow me to check balances on a regular basis.

I wasn't able to check my Irish retirement bond so just left the value of that the same for now. I logged in to the website for my German Riesterrente for the first time and I think there is definitely something off there, as the total was substantially higher than my last statement (which I received in January). Again, I think perhaps when I get the next statement at the end of the year I'll see all the fees having been deducted and that I'm just not seeing that at the moment - especially since the difference I'm seeing is more than €400 more than the amount I have actually paid in to that pension so far this year! Next time I go to visit my friends in Frankfurt I might bring some stuff with me and try and go through it with them. My friend's husband is a pretty savvy investor and good with that kind of stuff.

I did however, all by myself, realise that I was making a mistake in my spreadsheet. Or at least I think I was. I was calculating the percentage by dividing the amount of the change by the total value. But I was taking the total current value and I think actually I should be looking at the amount of the change as a percentage of what the previous total value was. Does that sound about right? Would love to hear from anyone who also calculates the percentage increase of their net worth and how you figure that out. Maths has never really been my strong point.