I’ve got two Google Sheets, one to keep track of my equities holdings; I keep it up to date as soon as I sell or buy a stock. The second sheet is for networth, which keeps track of all other investments such as savings account, bonds, real estate, NPS, PF, EPF, and so on. I update all other assets once in 3-6 months, real state whenever I receive on going rate information from a credible source (may be once in 18-24 months). I keep making a copy on these sheets in same file at end of each quarter and Diwali.
I have these sheets maintained from Jan 2009. It is quite difficult to get XIRR information from brokers and then combine it with other brokers and various cash in or out from the trading accounts.
I have kept calculating performance relatively simple. I only look networth sheet.
if Investible cash/fund + equity at any time is (Tn)
Equity investment performance = CAGR ((T5), (T1)) – Savings from salary.
For example, if on 1st April 2018 my equity portfolio was X, which grew to 4X by 1st April 2023. That is 32 % compounded rate. Best estimate of salary saving available for equity investing taken as 4%, that gives me equity investment performance rate of 32-4 = 28%
It is also my memory anchor book, which keep reminding me different phases, learnings in my investing cycle.
I believe that assessing investment performance without including investible funds is not a true performance.
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