thanks wiz - are you saying the "dividends" value in the final table of results per post #418 is not all of the dividends for the year? Instead you added the dividend values during the year to the returns of the underlying shares? Because I can't see how ~$1,000+ of FMG dividends plus 4 others equals $374. This is the part I was not getting given I thought you did a final fix up of ALL dividends at the end of the year - whereas maybe the fix up was for dividends declared but not yet paid.....is that right?