PortWhat is XIRR?
The annualized rate of return of a portfolio, accounting for the dates and amounts of all contributions and withdrawals.
Explanation
A simple "what I have minus what I put in" doesn't work when you add money at different times. One hundred thousand invested a year ago and one hundred thousand invested yesterday haven't had the same amount of time to earn returns, so you can't just add them up.
XIRR solves this by finding the annual rate at which all cash flows, discounted to the present day, equal the current portfolio value. The result is a single number comparable to a savings account interest rate or an index's rate of return.
Example
You deposit 10,000 PLN in January and 10,000 PLN in July, and by December you have 21,500 PLN. Your profit is 1,500 PLN, but the XIRR is approximately 10% annually because the second deposit was invested for only half a year.
Related Terms
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Portevo is not an investment advisor. The data and analyses are for informational and educational purposes only and do not constitute a recommendation or an offer to buy or sell financial instruments. Quotes are from external providers and may be delayed. You make investment decisions at your own risk.
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