Naira Journal

Live account

The real account,
in public.

Current balance

₦823,487

+₦23,487 above deposits (2.9% return)

As of 27 Aug 2026 · held in the GT Equity Income Fund

★ ₦800K reachedNext ₦900K

8 crossed · ₦76,513 to the next.

Every entry sourced to a video. Every number real. This is what Nigerian investing actually looks like, not what it should look like.

Total deposited

₦800,000

Gain above deposits

+₦23,487

2.9% return

Started

4 Feb 2026

Entries tracked

107

Best day: +₦115,670

Balance over time

Feb 2026MarAprMayJunJulAug 2026

BalanceDepositedGain, the space between

Month by month

Deposited vs what the market added

Feb 2026

₦230,105

2 deposits, ₦200,000 in
+₦30,105 market

Mar 2026

₦333,773

1 deposit, ₦100,000 in
+₦3,668 market

Apr 2026

₦490,696

1 deposit, ₦100,000 in
+₦56,923 market

May 2026

₦592,622

1 deposit, ₦100,000 in
+₦1,926 market

Jun 2026

₦629,730

1 deposit, ₦100,000 in
₦-62,892 market

Jul 2026

₦737,021

1 deposit, ₦100,000 in
+₦7,291 market

Aug 2026

₦823,487

1 deposit, ₦100,000 in
₦-13,534 market

Best single day

+₦115,670

17 Feb 2026

Milestones crossed

8

Latest: ₦800,000

Crossover date

-

Balance first beat deposits

Every entry

Download CSV
All 107 entries, newest first
27 Aug 2026
₦823,486.55+₦23,486.55
₦800,000 deposited100% equity fund
21 Aug 2026
₦819,396.19+₦19,396.19
₦800,000 deposited100% equity fund
20 Aug 2026 (entry 2 of 2)
₦825,702.77+₦25,702.77
₦800,000 deposited100% equity fund
20 Aug 2026 (entry 1 of 2)
₦833,803.00+₦33,803.00
₦800,000 deposited100% equity fund
14 Aug 2026
₦834,849.68+₦34,849.68
₦800,000 deposited100% equity fund
11 Aug 2026
₦843,440.93+₦43,440.93
₦800,000 deposited100% equity fund
6 Aug 2026deposit landed
₦838,677.99+₦38,677.99
₦800,000 deposited100% equity fund
5 Aug 2026
₦743,587.08+₦43,587.08
₦700,000 deposited100% equity fund
31 Jul 2026
₦737,020.86+₦37,020.86
₦700,000 deposited100% equity fund
30 Jul 2026
₦744,759.84+₦44,759.84
₦700,000 deposited100% equity fund
29 Jul 2026
₦748,436.06+₦48,436.06
₦700,000 deposited100% equity fund
28 Jul 2026
₦744,759.57+₦44,759.57
₦700,000 deposited100% equity fund
27 Jul 2026
₦743,279.79+₦43,279.79
₦700,000 deposited100% equity fund
24 Jul 2026
₦755,254.67+₦55,254.67
₦700,000 deposited100% equity fund
23 Jul 2026
₦741,916.93+₦41,916.93
₦700,000 deposited100% equity fund
22 Jul 2026
₦739,599.13+₦39,599.13
₦700,000 deposited100% equity fund
21 Jul 2026
₦742,775.55+₦42,775.55
₦700,000 deposited100% equity fund
20 Jul 2026
₦733,180.64+₦33,180.64
₦700,000 deposited100% equity fund
17 Jul 2026
₦775,383.43+₦75,383.43
₦700,000 deposited100% equity fund
16 Jul 2026
₦726,607.02+₦26,607.02
₦700,000 deposited100% equity fund
15 Jul 2026
₦724,773.68+₦24,773.68
₦700,000 deposited100% equity fund
14 Jul 2026
₦723,557.07+₦23,557.07
₦700,000 deposited100% equity fund
13 Jul 2026
₦729,663.30+₦29,663.30
₦700,000 deposited100% equity fund
10 Jul 2026
₦734,580.09+₦34,580.09
₦700,000 deposited100% equity fund
9 Jul 2026
₦727,995.04+₦27,995.04
₦700,000 deposited100% equity fund
8 Jul 2026
₦717,139.51+₦17,139.51
₦700,000 deposited100% equity fund
7 Jul 2026
₦715,241.47+₦15,241.47
₦700,000 deposited100% equity fund
6 Jul 2026
₦708,201.28+₦8,201.28
₦700,000 deposited100% equity fund
3 Jul 2026
₦700,307.85+₦307.85
₦700,000 deposited100% equity fund
2 Jul 2026deposit landed
₦707,429.17+₦7,429.17
₦700,000 deposited100% equity fund
1 Jul 2026
₦624,479.41+₦24,479.41
₦600,000 deposited100% equity fund
30 Jun 2026
₦629,730.34+₦29,730.34
₦600,000 deposited100% equity fund
26 Jun 2026
₦641,077.70+₦41,077.70
₦600,000 deposited100% equity fund
25 Jun 2026
₦649,567.58+₦49,567.58
₦600,000 deposited100% equity fund
24 Jun 2026
₦655,142.79+₦55,142.79
₦600,000 deposited100% equity fund
23 Jun 2026
₦645,286.35+₦45,286.35
₦600,000 deposited100% equity fund
19 Jun 2026 (entry 2 of 2)
₦649,776.78+₦49,776.78
₦600,000 deposited100% equity fund
19 Jun 2026 (entry 1 of 2)
₦655,057.47+₦55,057.47
₦600,000 deposited100% equity fund
17 Jun 2026
₦661,505.14+₦61,505.14
₦600,000 deposited100% equity fund
16 Jun 2026
₦672,776.90+₦72,776.90
₦600,000 deposited100% equity fund
12 Jun 2026
₦676,476.38+₦76,476.38
₦600,000 deposited100% equity fund
10 Jun 2026
₦686,936.00+₦86,936.00
₦600,000 deposited100% equity fund
9 Jun 2026
₦685,351.66+₦85,351.66
₦600,000 deposited100% equity fund
8 Jun 2026
₦680,731.68+₦80,731.68
₦600,000 deposited100% equity fund
7 Jun 2026deposit landed
₦689,244.25+₦89,244.25
₦600,000 deposited100% equity fund
3 Jun 2026
₦596,874.83+₦96,874.83
₦500,000 deposited100% equity fund
2 Jun 2026
₦597,896.45+₦97,896.45
₦500,000 deposited100% equity fund
29 May 2026
₦592,621.84+₦92,621.84
₦500,000 deposited100% equity fund
27 May 2026
₦592,818.01+₦92,818.01
₦500,000 deposited100% equity fund
25 May 2026
₦595,464.34+₦95,464.34
₦500,000 deposited100% equity fund
20 May 2026
₦592,800.67+₦92,800.67
₦500,000 deposited100% equity fund
14 May 2026
₦602,341.25+₦102,341.25
₦500,000 deposited100% equity fund
13 May 2026
₦596,820.61+₦96,820.61
₦500,000 deposited100% equity fund
12 May 2026
₦590,009.91+₦90,009.91
₦500,000 deposited100% equity fund
11 May 2026deposit landed
₦588,362.00+₦88,362.00
₦500,000 deposited100% equity fund
7 May 2026
₦495,112.26+₦95,112.26
₦400,000 deposited100% equity fund
5 May 2026
₦495,990.35+₦95,990.35
₦400,000 deposited100% equity fund
4 May 2026
₦503,381.39+₦103,381.39
₦400,000 deposited100% equity fund
30 Apr 2026
₦490,696.21+₦90,696.21
₦400,000 deposited100% equity fund
28 Apr 2026
₦481,632.00+₦81,632.00
₦400,000 deposited100% equity fund
27 Apr 2026
₦494,352.97+₦94,352.97
₦400,000 deposited99% equity fund, 1% money market
24 Apr 2026
₦491,077.24+₦91,077.24
₦400,000 deposited99% equity fund, 1% money market
23 Apr 2026
₦481,915.65+₦81,915.65
₦400,000 deposited99% equity fund, 1% money market
22 Apr 2026
₦484,002.72+₦84,002.72
₦400,000 deposited99% equity fund, 1% money market
21 Apr 2026
₦471,163.98+₦71,163.98
₦400,000 deposited99% equity fund, 1% money market
17 Apr 2026
₦455,515.54+₦55,515.54
₦400,000 deposited99% equity fund, 1% money market
15 Apr 2026
₦434,324.58+₦34,324.58
₦400,000 deposited99% equity fund, 1% money market
not posted
11 Apr 2026
₦433,260.72+₦33,260.72
₦400,000 deposited99% equity fund, 1% money market
9 Apr 2026
₦455,448.62+₦55,448.62
₦400,000 deposited99% equity fund, 1% money market
7 Apr 2026deposit landed
₦446,215.33+₦46,215.33
₦400,000 deposited99% equity fund, 1% money market
6 Apr 2026
₦333,019.40+₦33,019.40
₦300,000 deposited99% equity fund, 1% money market
2 Apr 2026
₦329,721.67+₦29,721.67
₦300,000 deposited99% equity fund, 1% money market
31 Mar 2026
₦333,772.74+₦33,772.74
₦300,000 deposited99% equity fund, 1% money market
27 Mar 2026
₦333,746.50+₦33,746.50
₦300,000 deposited99% equity fund, 1% money market
26 Mar 2026
₦337,453.47+₦37,453.47
₦300,000 depositednot itemised
24 Mar 2026
₦337,011.51+₦37,011.51
₦300,000 deposited99% equity fund, 1% money market
23 Mar 2026
₦343,954.69+₦43,954.69
₦300,000 deposited99% equity fund, 1% money market
20 Mar 2026
₦348,184.41+₦48,184.41
₦300,000 deposited99% equity fund, 1% money market
18 Mar 2026
₦348,184.96+₦48,184.96
₦300,000 depositednot itemised
17 Mar 2026 (entry 2 of 2)
₦341,908.53+₦41,908.53
₦300,000 depositednot itemised
17 Mar 2026 (entry 1 of 2)
₦334,553.19+₦34,553.19
₦300,000 depositednot itemised
13 Mar 2026
₦330,394.00+₦30,394.00
₦300,000 depositednot itemised
12 Mar 2026
₦332,612.78+₦32,612.78
₦300,000 deposited99% equity fund, 1% money market
11 Mar 2026
₦333,067.18+₦33,067.18
₦300,000 deposited99% equity fund, 1% money market
10 Mar 2026
₦332,731.94+₦32,731.94
₦300,000 deposited99% equity fund, 1% money market
9 Mar 2026deposit landed
₦332,703.67+₦32,703.67
₦300,000 deposited99% equity fund, 1% money market
6 Mar 2026
₦232,703.07+₦32,703.07
₦200,000 deposited99% equity fund, 1% money market
5 Mar 2026
₦231,363.72+₦31,363.72
₦200,000 deposited99% equity fund, 1% money market
4 Mar 2026
₦229,947.71+₦29,947.71
₦200,000 deposited99% equity fund, 1% money market
3 Mar 2026
₦226,841.18+₦26,841.18
₦200,000 deposited99% equity fund, 1% money market
2 Mar 2026
₦227,711.15+₦27,711.15
₦200,000 deposited99% equity fund, 1% money market
27 Feb 2026
₦230,104.75+₦30,104.75
₦200,000 deposited99% equity fund, 1% money market
26 Feb 2026
₦228,799.71+₦28,799.71
₦200,000 deposited99% equity fund, 1% money market
25 Feb 2026
₦229,156.07+₦29,156.07
₦200,000 deposited99% equity fund, 1% money market
24 Feb 2026
₦226,366.79+₦26,366.79
₦200,000 deposited99% equity fund, 1% money market
23 Feb 2026
₦223,812.24+₦23,812.24
₦200,000 deposited99% equity fund, 1% money market
20 Feb 2026
₦224,108.21+₦24,108.21
₦200,000 deposited99% equity fund, 1% money market
19 Feb 2026
₦220,961.00+₦20,961.00
₦200,000 deposited99% equity fund, 1% money market
18 Feb 2026
₦220,597.35+₦20,597.35
₦200,000 deposited99% equity fund, 1% money market
17 Feb 2026deposit landed
₦220,507.79+₦20,507.79
₦200,000 deposited99% equity fund, 1% money market
12 Feb 2026
₦104,838.18+₦4,838.18
₦100,000 deposited97% equity fund, 3% money market
11 Feb 2026
₦103,569.22+₦3,569.22
₦100,000 deposited97% equity fund, 3% money market
10 Feb 2026
₦103,569.22+₦3,569.22
₦100,000 deposited97% equity fund, 3% money market
9 Feb 2026
₦101,665.58+₦1,665.58
₦100,000 deposited97% equity fund, 3% money market
6 Feb 2026
₦103,140.53+₦3,140.53
₦100,000 deposited97% equity fund, 3% money market
5 Feb 2026
₦101,072.92+₦1,072.92
₦100,000 depositednot itemised
4 Feb 2026deposit landed
₦100,678.93+₦678.93
₦100,000 depositednot itemised
Daily account balance, total deposited to date, money above deposits, what it was held in, and the source video, newest first.
DateBalanceDeposited to dateAbove depositsHeld inSource
27 Aug 2026₦823,486.55₦800,000+₦23,486.55100% equity fundvideo
21 Aug 2026₦819,396.19₦800,000+₦19,396.19100% equity fundvideo
20 Aug 2026 (entry 2 of 2)₦825,702.77₦800,000+₦25,702.77100% equity fundvideo
20 Aug 2026 (entry 1 of 2)₦833,803.00₦800,000+₦33,803.00100% equity fundvideo
14 Aug 2026₦834,849.68₦800,000+₦34,849.68100% equity fundvideo
11 Aug 2026₦843,440.93₦800,000+₦43,440.93100% equity fundvideo
6 Aug 2026 deposit₦838,677.99₦800,000+₦38,677.99100% equity fundvideo
5 Aug 2026₦743,587.08₦700,000+₦43,587.08100% equity fundvideo
31 Jul 2026₦737,020.86₦700,000+₦37,020.86100% equity fundvideo
30 Jul 2026₦744,759.84₦700,000+₦44,759.84100% equity fundvideo
29 Jul 2026₦748,436.06₦700,000+₦48,436.06100% equity fundvideo
28 Jul 2026₦744,759.57₦700,000+₦44,759.57100% equity fundvideo
27 Jul 2026₦743,279.79₦700,000+₦43,279.79100% equity fundvideo
24 Jul 2026₦755,254.67₦700,000+₦55,254.67100% equity fundvideo
23 Jul 2026₦741,916.93₦700,000+₦41,916.93100% equity fundvideo
22 Jul 2026₦739,599.13₦700,000+₦39,599.13100% equity fundvideo
21 Jul 2026₦742,775.55₦700,000+₦42,775.55100% equity fundvideo
20 Jul 2026₦733,180.64₦700,000+₦33,180.64100% equity fundvideo
17 Jul 2026₦775,383.43₦700,000+₦75,383.43100% equity fundvideo
16 Jul 2026₦726,607.02₦700,000+₦26,607.02100% equity fundvideo
15 Jul 2026₦724,773.68₦700,000+₦24,773.68100% equity fundvideo
14 Jul 2026₦723,557.07₦700,000+₦23,557.07100% equity fundvideo
13 Jul 2026₦729,663.30₦700,000+₦29,663.30100% equity fundvideo
10 Jul 2026₦734,580.09₦700,000+₦34,580.09100% equity fundvideo
9 Jul 2026₦727,995.04₦700,000+₦27,995.04100% equity fundvideo
8 Jul 2026₦717,139.51₦700,000+₦17,139.51100% equity fundvideo
7 Jul 2026₦715,241.47₦700,000+₦15,241.47100% equity fundvideo
6 Jul 2026₦708,201.28₦700,000+₦8,201.28100% equity fundvideo
3 Jul 2026₦700,307.85₦700,000+₦307.85100% equity fundvideo
2 Jul 2026 deposit₦707,429.17₦700,000+₦7,429.17100% equity fundvideo
1 Jul 2026₦624,479.41₦600,000+₦24,479.41100% equity fundvideo
30 Jun 2026₦629,730.34₦600,000+₦29,730.34100% equity fundvideo
26 Jun 2026₦641,077.70₦600,000+₦41,077.70100% equity fundvideo
25 Jun 2026₦649,567.58₦600,000+₦49,567.58100% equity fundvideo
24 Jun 2026₦655,142.79₦600,000+₦55,142.79100% equity fundvideo
23 Jun 2026₦645,286.35₦600,000+₦45,286.35100% equity fundvideo
19 Jun 2026 (entry 2 of 2)₦649,776.78₦600,000+₦49,776.78100% equity fundvideo
19 Jun 2026 (entry 1 of 2)₦655,057.47₦600,000+₦55,057.47100% equity fundvideo
17 Jun 2026₦661,505.14₦600,000+₦61,505.14100% equity fundvideo
16 Jun 2026₦672,776.90₦600,000+₦72,776.90100% equity fundvideo
12 Jun 2026₦676,476.38₦600,000+₦76,476.38100% equity fundvideo
10 Jun 2026₦686,936.00₦600,000+₦86,936.00100% equity fundvideo
9 Jun 2026₦685,351.66₦600,000+₦85,351.66100% equity fundvideo
8 Jun 2026₦680,731.68₦600,000+₦80,731.68100% equity fundvideo
7 Jun 2026 deposit₦689,244.25₦600,000+₦89,244.25100% equity fundvideo
3 Jun 2026₦596,874.83₦500,000+₦96,874.83100% equity fundvideo
2 Jun 2026₦597,896.45₦500,000+₦97,896.45100% equity fundvideo
29 May 2026₦592,621.84₦500,000+₦92,621.84100% equity fundvideo
27 May 2026₦592,818.01₦500,000+₦92,818.01100% equity fundvideo
25 May 2026₦595,464.34₦500,000+₦95,464.34100% equity fundvideo
20 May 2026₦592,800.67₦500,000+₦92,800.67100% equity fundvideo
14 May 2026₦602,341.25₦500,000+₦102,341.25100% equity fundvideo
13 May 2026₦596,820.61₦500,000+₦96,820.61100% equity fundvideo
12 May 2026₦590,009.91₦500,000+₦90,009.91100% equity fundvideo
11 May 2026 deposit₦588,362.00₦500,000+₦88,362.00100% equity fundvideo
7 May 2026₦495,112.26₦400,000+₦95,112.26100% equity fundvideo
5 May 2026₦495,990.35₦400,000+₦95,990.35100% equity fundvideo
4 May 2026₦503,381.39₦400,000+₦103,381.39100% equity fundvideo
30 Apr 2026₦490,696.21₦400,000+₦90,696.21100% equity fundvideo
28 Apr 2026₦481,632.00₦400,000+₦81,632.00100% equity fundvideo
27 Apr 2026₦494,352.97₦400,000+₦94,352.9799% equity fund, 1% money marketvideo
24 Apr 2026₦491,077.24₦400,000+₦91,077.2499% equity fund, 1% money marketvideo
23 Apr 2026₦481,915.65₦400,000+₦81,915.6599% equity fund, 1% money marketvideo
22 Apr 2026₦484,002.72₦400,000+₦84,002.7299% equity fund, 1% money marketvideo
21 Apr 2026₦471,163.98₦400,000+₦71,163.9899% equity fund, 1% money marketvideo
17 Apr 2026₦455,515.54₦400,000+₦55,515.5499% equity fund, 1% money marketvideo
15 Apr 2026₦434,324.58₦400,000+₦34,324.5899% equity fund, 1% money marketnot posted
11 Apr 2026₦433,260.72₦400,000+₦33,260.7299% equity fund, 1% money marketvideo
9 Apr 2026₦455,448.62₦400,000+₦55,448.6299% equity fund, 1% money marketvideo
7 Apr 2026 deposit₦446,215.33₦400,000+₦46,215.3399% equity fund, 1% money marketvideo
6 Apr 2026₦333,019.40₦300,000+₦33,019.4099% equity fund, 1% money marketvideo
2 Apr 2026₦329,721.67₦300,000+₦29,721.6799% equity fund, 1% money marketvideo
31 Mar 2026₦333,772.74₦300,000+₦33,772.7499% equity fund, 1% money marketvideo
27 Mar 2026₦333,746.50₦300,000+₦33,746.5099% equity fund, 1% money marketvideo
26 Mar 2026₦337,453.47₦300,000+₦37,453.47not itemisedvideo
24 Mar 2026₦337,011.51₦300,000+₦37,011.5199% equity fund, 1% money marketvideo
23 Mar 2026₦343,954.69₦300,000+₦43,954.6999% equity fund, 1% money marketvideo
20 Mar 2026₦348,184.41₦300,000+₦48,184.4199% equity fund, 1% money marketvideo
18 Mar 2026₦348,184.96₦300,000+₦48,184.96not itemisedvideo
17 Mar 2026 (entry 2 of 2)₦341,908.53₦300,000+₦41,908.53not itemisedvideo
17 Mar 2026 (entry 1 of 2)₦334,553.19₦300,000+₦34,553.19not itemisedvideo
13 Mar 2026₦330,394.00₦300,000+₦30,394.00not itemisedvideo
12 Mar 2026₦332,612.78₦300,000+₦32,612.7899% equity fund, 1% money marketvideo
11 Mar 2026₦333,067.18₦300,000+₦33,067.1899% equity fund, 1% money marketvideo
10 Mar 2026₦332,731.94₦300,000+₦32,731.9499% equity fund, 1% money marketvideo
9 Mar 2026 deposit₦332,703.67₦300,000+₦32,703.6799% equity fund, 1% money marketvideo
6 Mar 2026₦232,703.07₦200,000+₦32,703.0799% equity fund, 1% money marketvideo
5 Mar 2026₦231,363.72₦200,000+₦31,363.7299% equity fund, 1% money marketvideo
4 Mar 2026₦229,947.71₦200,000+₦29,947.7199% equity fund, 1% money marketvideo
3 Mar 2026₦226,841.18₦200,000+₦26,841.1899% equity fund, 1% money marketvideo
2 Mar 2026₦227,711.15₦200,000+₦27,711.1599% equity fund, 1% money marketvideo
27 Feb 2026₦230,104.75₦200,000+₦30,104.7599% equity fund, 1% money marketvideo
26 Feb 2026₦228,799.71₦200,000+₦28,799.7199% equity fund, 1% money marketvideo
25 Feb 2026₦229,156.07₦200,000+₦29,156.0799% equity fund, 1% money marketvideo
24 Feb 2026₦226,366.79₦200,000+₦26,366.7999% equity fund, 1% money marketvideo
23 Feb 2026₦223,812.24₦200,000+₦23,812.2499% equity fund, 1% money marketvideo
20 Feb 2026₦224,108.21₦200,000+₦24,108.2199% equity fund, 1% money marketvideo
19 Feb 2026₦220,961.00₦200,000+₦20,961.0099% equity fund, 1% money marketvideo
18 Feb 2026₦220,597.35₦200,000+₦20,597.3599% equity fund, 1% money marketvideo
17 Feb 2026 deposit₦220,507.79₦200,000+₦20,507.7999% equity fund, 1% money marketvideo
12 Feb 2026₦104,838.18₦100,000+₦4,838.1897% equity fund, 3% money marketvideo
11 Feb 2026₦103,569.22₦100,000+₦3,569.2297% equity fund, 3% money marketvideo
10 Feb 2026₦103,569.22₦100,000+₦3,569.2297% equity fund, 3% money marketvideo
9 Feb 2026₦101,665.58₦100,000+₦1,665.5897% equity fund, 3% money marketvideo
6 Feb 2026₦103,140.53₦100,000+₦3,140.5397% equity fund, 3% money marketvideo
5 Feb 2026₦101,072.92₦100,000+₦1,072.92not itemisedvideo
4 Feb 2026 deposit₦100,678.93₦100,000+₦678.93not itemisedvideo

Download the data (CSV) All but 1 row comes from a posted video; that one is labeled "not posted" above, with the value carried from neighbouring days. Balances are the fund's own valuation, already after its fees.

How the numbers are measured

The fund

The money sits in one fund, the GT Equity Income Fund, named for transparency and not as a recommendation. It is a Nigerian equity fund, so the balance moves with the Nigerian share market.

Where each number comes from

Each balance is read straight from the fund's own app and given a source status. Most rows are filmed in a short video posted the same day, and that video is the receipt. A row with no posted clip is labeled "not posted" in the daily data below, with the value carried from neighbouring days instead of invented.

Deposits

₦100,000 goes in at the start of most months. Those dates show up as the steps in "deposited to date", and new money is never counted as growth.

Fees

The balance is the fund's own valuation, which already has the fund's management fee taken out. No extra platform fee is added on top here.

Valuation source

The daily value comes from the fund manager's app, the same screen any holder sees, captured on camera rather than typed in from memory.

What is not shown

The capture is the fund's total naira value, not a unit-by-unit breakdown, so this account does not publish a per-unit price. Where the app showed a split between the equity fund and a money market holding, that split is in the "held in" column.

Why publish this? Because most investing content shows the wins and hides the rest. Long stretches of nearly flat are what real, ordinary, diversified investing looks like at the start, and pretending otherwise would defeat the point.

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