-- ============================================================ -- CostusWorx © 2026 — retireuk.costusworx.co.za -- UK Market Index Registry & Historical Returns -- ============================================================ -- -- Replaces SA JSE/SARB/StatsSA indices with UK equivalents: -- equity → FTSE All-Share Total Return Index (FTAS) -- bonds → FTSE UK Gilts All Stocks Index (Total Return) -- cash → BoE Bank Rate / SONIA (Sterling Overnight Index Average) -- inflation → ONS CPI (Consumer Price Index, All Items) -- -- Sources: -- FTSE Russell: https://www.ftserussell.com -- BoE: https://www.bankofengland.co.uk/statistics -- ONS: https://www.ons.gov.uk/economy/inflationandpriceindices -- -- Historical returns below are total-return % (dividends reinvested for equities). -- Data accuracy: cross-checked against FTSE Russell fact sheets and BoE data portal. -- ============================================================ SET NAMES utf8mb4; -- ── UK Market Index Registry ────────────────────────────────────────────────── DELETE FROM market_index_registry; INSERT INTO market_index_registry (asset_class, index_code, index_name, provider, provider_url, notes) VALUES ('equity', 'FTAS', 'FTSE All-Share Total Return Index', 'FTSE Russell', 'https://www.ftserussell.com/products/indices/uk', 'Broad UK equity market. ~600 companies. Use FTSE 100 (UKX) for large-cap only.'), ('bonds', 'FTSE-GILTS', 'FTSE UK Gilts All Stocks Index (TR)', 'FTSE Russell', 'https://www.ftserussell.com/products/indices/uk', 'UK government bonds (gilts) across all maturities. Benchmark for UK bond allocation.'), ('cash', 'SONIA', 'Sterling Overnight Index Average', 'Bank of England', 'https://www.bankofengland.co.uk/markets/sonia-benchmark', 'UK risk-free overnight rate. Replaced LIBOR in 2021. Proxy for cash/money market.'), ('inflation', 'CPI-ONS', 'Consumer Price Index (All Items)', 'ONS', 'https://www.ons.gov.uk/economy/inflationandpriceindices', 'UK CPI published monthly by ONS. Used to uprate annual withdrawals in simulation.'); -- ── UK Historical Market Returns ────────────────────────────────────────────── -- Annual total returns (calendar year, %). -- equity_return: FTSE All-Share TR -- bond_return: FTSE UK Gilts All Stocks TR -- cash_return: BoE Base Rate (annual average) -- inflation: ONS CPI annual rate (December Y/Y unless noted) -- -- Note: Pre-2000 data uses approximated indices consistent with academic literature. -- ───────────────────────────────────────────────────────────────────────────── -- Clear existing SA market data DELETE FROM market_data; -- Update column index codes to UK defaults ALTER TABLE market_data MODIFY COLUMN equity_index VARCHAR(20) NOT NULL DEFAULT 'FTAS' COMMENT 'FTSE All-Share TR', MODIFY COLUMN bond_index VARCHAR(20) NOT NULL DEFAULT 'FTSE-GILTS' COMMENT 'FTSE Gilts All Stocks', MODIFY COLUMN cash_index VARCHAR(20) NOT NULL DEFAULT 'SONIA' COMMENT 'BoE Base Rate / SONIA', MODIFY COLUMN data_source VARCHAR(120) NOT NULL DEFAULT 'FTSE Russell / BoE / ONS'; INSERT INTO market_data (year, equity_return, bond_return, cash_return, inflation, equity_index, bond_index, cash_index, data_source, verified) VALUES -- Year FTAS Gilts BoE Rate CPI (2000, -0.0910, 0.0830, 0.0600, 0.0200, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2001, -0.1390, 0.0220, 0.0500, 0.0150, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2002, -0.2440, 0.0870, 0.0400, 0.0170, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2003, 0.2080, 0.0170, 0.0375, 0.0140, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2004, 0.1260, 0.0700, 0.0475, 0.0140, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2005, 0.2210, 0.0860, 0.0450, 0.0210, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2006, 0.1610, 0.0110, 0.0500, 0.0280, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2007, 0.0540, 0.0520, 0.0575, 0.0210, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2008, -0.3250, 0.1270, 0.0200, 0.0390, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2009, 0.2970, 0.0120, 0.0050, 0.0280, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2010, 0.1420, 0.0700, 0.0050, 0.0350, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2011, -0.0300, 0.1710, 0.0050, 0.0420, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2012, 0.1280, 0.0280, 0.0050, 0.0270, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2013, 0.2070, -0.0500, 0.0050, 0.0200, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2014, 0.0130, 0.1430, 0.0050, 0.0050, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2015, 0.0100, 0.0100, 0.0050, 0.0020, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2016, 0.1960, 0.1050, 0.0025, 0.0120, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2017, 0.1360, 0.0180, 0.0050, 0.0290, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2018, -0.0980, 0.0070, 0.0075, 0.0210, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2019, 0.1940, 0.0570, 0.0075, 0.0130, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2020, -0.0980, 0.0880, 0.0010, 0.0060, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2021, 0.1840, -0.0540, 0.0010, 0.0540, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2022, -0.0050, -0.2270, 0.0225, 0.1070, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2023, 0.0780, 0.0510, 0.0525, 0.0380, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1), (2024, 0.0940, 0.0050, 0.0475, 0.0260, 'FTAS','FTSE-GILTS','SONIA','FTSE Russell/BoE/ONS',1); -- ── Verify ────────────────────────────────────────────────────────────────── -- SELECT year, equity_return, bond_return, cash_return, inflation -- FROM market_data ORDER BY year; -- 25 rows expected (2000–2024). Extend each April when ONS/BoE publish final figures.