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Another question: If I wanted to track Unrealized Cap Gain% and Profit % for T (AT&T) by year from the time of first purchase, how do I generate that report? Not using Power BI Desktop. If I just look at the most recent year 2021 and last month (Feb) I see -6.29% for Unrealized Cap Gain% and -2.6% for Profit %. Are these the right numbers to look at?

I guess that Unrealized Capital Gains % is cumulative over time and is based on the stock price but what about Profit% which includes dividends paid?

Please clarify. Thanks.

## Comments

Example:

Jan 20$ dividends for 1000$ holdings (2%)

Feb 30$ dividends for 900$ holdings (3.333%)

Formula:

( (1 + 20/1000) * (1+30/900) ) - 1 = 1.02 * 1.033333 - 1 = 0.054 = 5.4%

Profit % formula is much more complicated and actually very much depends if Cash * symbol is included in the calculation. You can review that formula in PowerPivot - ALL formulas in PowerPivot are "open" - visible to everyone.

The problem with Profit % is that it is an approximate calculation, that works best for short time periods when there are not too many "movements". Larger deposits/withdrawals, or larger purchases skew results. That is why in the latest release Profit % is not by default included in Yearly or Holding reports.

Proper way to check your performance is to look at "Annlzd RoR" measure - it is properly Microsoft implemented XIRR function (google Excel XIRR). Problem with this calculation is that results are hard to understand for short periods. If you would look at Annlzd RoR for a single month, that would show you your annual profit/loss % IF returns would be exactly the same for the other 11 months.

So for short periods Profit % is OK, but for anything above 1 year you should not be looking at Profit %, but should be looking at "Annlzd RoR". And just to confirm - "Annlzd RoR" returns include dividends %.