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Personal Rate of Return

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Reader Question Regarding Personal Rate of Return

Friday, April 16th, 2010

Yesterday I received an email from a guy who needed help with figuring out his personal rate of return using Excel’s XIRR formula. He had just started contributing to his 401(k): 3/26/2010 – $188.50 4/8/2010 – $377.02 4/16/2010 – Balance of $593.54 The XIRR formula requires both negative and positive numbers in order for it […]

401(k) Just a Few Thousand Away From Previous High

Thursday, September 17th, 2009

I was checking my wife’s 401(k) balance last night and noticed a couple of interesting things: 1. The balance is just a few thousand shy of its previous high-water mark. Yes, that number includes contributions but it’s still shows drastic improvement from the low. 2. Last year’s personal rate of return was somewhere around -40%. […]

SURPRISE!!!!! Our Personal Rate of Return is 11.5% for 2009!

Wednesday, June 3rd, 2009

I logged into my wife’s 401(k) account this morning to find this: The definition of personal rate of return (I put together a tutorial here) on Fidelity’s website is: Your Personal Rate of Return is calculated with a time-weighted formula, widely used by financial analysts to calculate investment earnings. The calculated value reflects the result […]

Question From a Reader – Am I Calculating My Returns Correctly?

Monday, November 10th, 2008

This comment was left by Leland Holliday on an old post, Fun Math: How to Calculate Returns Using Monthly Data: I used your method on each of the funds in my portfolio for YTD 2008 (thru 10/31/08). The results I got exactly matched the YTD values published in WSJ and on the Fidelity and Vanguard […]

What’s Better Than A 20% Return?

Tuesday, January 29th, 2008

What could possibly be better than a 20% return on your money?? I’ll tell you, and it isn’t a gimmick.

Fidelity’s Year-to-Date Change Feature

Friday, May 4th, 2007

My wife’s company moved their 401(k) to Fidelity in January 2001. For the most part, it was a good move. One feature that Fidelity has that I really like is the Year-to-Date Change screen that looks like this: (If this were an anonymous blog, I would have no problem giving more details.) Anyway, Fidelity started […]

Question From a Reader – Calculating Returns

Wednesday, January 24th, 2007

My How ‘Total Returns’ Are Calculated post received the following comment from a reader named Dan: I get a little confused when I try to make these calculations to work with (1) purchases that occur at different times and (2) account fees. As an example of each: – Suppose I buy somes shares in January. […]

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