| A | B | C | |
| 1 | Date | Cashflow | Type |
| 2 | 1-Jan-14 |
-$1,000
|
Invest |
| 3 | 1-Jun-14 |
-$500
|
Invest |
| 4 | 1-Jul-14 |
$50
|
Dividend |
| 5 | 1-Aug-14 |
$500
|
Withdrawal |
| 6 | 31-Dec-14 |
$1,100
|
Today's Market Value |
The first column is quite self-explanatory, the date of transaction. Column B represents the cashflow from your own perspective, i.e. an investment means a cash outflow (negative), and a withdrawal or cash dividend collected represents a cash inflow (positive).
The last row is to be updated with today's date, and the market value of the entire portfolio's current valuation, i.e. the money you were to get if you sell everything you have. This has to be done whenever you want to compute your CAGR. For the example, the formula would be =XIRR(B2:B6,A2:A6).
This will give you 14.2% return, from the profit of $150 made in the year.
If you are trading in other currencies say USD, you would similarly track you SGD cash outflow and inflow into a USD trading account. At the end of the day, the SGD market value would be the sum your stocks' USD value and the trading account USD balance multiply by today's exchange rate.
The process is definitely tedious. You can either continue to "act blur" with regards to your own true investment performance or get down to calculating it.
I tracked the performance of the my 3 portfolios mentioned in my previous post, wanting to see how each of them perform in a time period of 5 years. I used the STI as a rough gauge of their performance. It is to be noted that this is not an apple-to-apple comparison, as my own portfolio consists of regular investment over the period stated, whereas the STI performance is based on one lump sum investment at the beginning of the period.
I have 3 different spreadsheets tracking each of their performance. To compute the overall portfolio performance, just need to copy them into one spreadsheet and sort the first column by date. A superb spreadsheet for tracking stocks can be found here.
Stocks Portfolio
28 Apr 2008 till 20 Jan 2014
| STI Absolute Gain/Loss | -4.2% |
| Personal Stock Portfolio CAGR | 6.3% |
Unit Trust Portfolio
09 May 2012 till 20 Jan 2014
| STI Absolute Gain/Loss | 6.1% |
| UT Portfolio CAGR | 4.0% |
Permanent Portfolio
12 June 2012 till 20 Jan 2014, based on USD/SGD exchange rate of 1.268
12 June 2012 till 20 Jan 2014, based on USD/SGD exchange rate of 1.268
| STI Absolute Gain/Loss | 10.4% |
| PP Portfolio CAGR | 3.4% |
Overall CAGR: 5.65%
It's be interesting to see how each of the 3 CAGRs compare 3 to 4 years down the road.
It's be interesting to see how each of the 3 CAGRs compare 3 to 4 years down the road.
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