Our spending was again at the low end. February is going to come in around $A4,750 due to car expenses (registration and depreciation - there has been no depreciation for a about a year). As you can see from the accounts we lost lots of money in January - the rate of return in USD terms was -7.34% vs. -4.30% for the MSCI World Index and -3.60% for the S&P 500. In AUD terms it was -6.27%. The largest losses were in Australian stocks and the effect of the strengthening of the USD with the Aussie falling about one US cent over the month.
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