Goal stated by user: see when monthly market gain starts to exceed
monthly contributions, i.e. the inflection point where the market is
out-earning savings rather than the other way around.
New panel id=25 between the annual decomposition (13) and per-account
ROI (14): bar chart with two side-by-side bars per month --
contributions (blue) and market gain (green). Same calculation as
panel 13 but month-grain instead of year-grain. Months where the
green bar dwarfs the blue one are visible at a glance.
SQL: same endpoints CTE pattern as panel 13, with date_trunc('month',
valuation_date) as the grouping key. Uses max_complete cutoff so
partial-today doesn't skew the latest month.
Layout: panels at y >= 75 shifted down by 11 (chart height). New
chart at y=75; panel 14 (per-account ROI) -> y=86; panel 10
(activity log) -> y=96.
Spot check (recent months from PG):
2025-07: contrib +£5,601 market +£42,295 <- big market month
2025-09: contrib +£1,501 market +£24,206
2026-02: contrib +£35,501 market +£41,382
2026-03: contrib +£5,501 market -£38,483 <- correction
2026-04: contrib +£73,267 market +£21,448
84fd752747