A great year so far

In the spirit of sharing, I note mine below. Note that my account has been getting a fortnightly cash infusion of approximately 0.75% of NAV. I track the performance of my account versus SPY (using VFINX as proxy) using both total return and XIRR.

Total return = [NAV - (NAV on 12/31/2014 + cash additions since 12/31/2014)]/[NAV on 12/31/2014 + cash additions since 12/31/2014], where NAV is current net asset value

XIRR is calculated using current NAV and the cash flows, beginning with NAV on 31/12/2014 and the subsequent cash additions.

I calculate returns on both USD and AUD (my home currency).


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Total returns (USD):      5.2%
Total returns (AUD):     10.1%
Total returns (SPY, USD): 0.2%

XIRR (USD):              29.9%
XIRR (AUD):              64.7%
XIRR (SPY, USD):          1.2%
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It was much better just a week or so back, but 'm still handily beating SPY, so shouldn’t really be complaining.

Anirban