I've been in the RL360 Quantum fund now for 4.5 years. I'll admit and say I was much more naive then than I am now, and I'm still pretty naive! But my senses started tingling late last year and after finding this site and some other stuff on Reddit I spoke to my advisor today who did nothing to allay my fears.
If I bail out by the end of this month I will lose about $20k and my wife is pretty mad to say the least...
I started with an $800/month deposit but reduced that to $300/month for the past 15 months or so. I was going to increase my premiums again but now I'm thinking just to cut my losses.
I've run the spreadsheets that I found on the earlier pages. Thanks a lot, they proved very insightful. But I have a question,
the Premiums Ifl Adjusted column, if the IOM RPI rate changes monthly how can you make an accurate chart? Do you have to input each time it changes?
On my RL360 portal is says my account is up 11.65% since inception. Initially that looks good until I worked out how much fees I'd paid over the past 4.5 years, admittedly my premium amount decreased so my overall return is lower.
When I look at the Profit/Loss column after 30 years though, that's pretty disheartening...