Annualized return or CAGR (Compound Annual Growth Rate)

I've finally changed the formula in the excel file; to use the proper CAGR formula instead of simply dividing the returns by the number of days or years holding the fund.

For those interested, here's the formula:

=(POWER(K3/H3,1/(F3/365))-1)*100

K3 is the current value of the fund.
H3 is the initial value of the fund. Some would called it the purchased value or invested value.
F3 is the different between the Purchased date and the Current date.

The whole formula is multiply by 100. You can delete this *100 if you displayed the cell in %.

Please note that my file looks similar to the what is seen in the Account Enquiry page in PMO, except that I have some extra fields like Purchased Date.

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I did use this formula quite same time, it is only correct for a single transaction. If you hv few rounds of buy/sell transaction, the result will not be correct anymore. I would suggest use excel formula "XIRR", it can accurately calculate the annualized return.

For a single transaction, above formula and XIRR will give the same result.

I don't summarized and grouped all the purchases of the same fund as like in PMO... meaning each purchase/switch/transaction of the same fund is a line on its own. This way I can see what's the return on each purchase... if a series of purchases were made at various dates, I can tell instantly which purchase is giving negative or positive returns, or is the returns (annualized) moving up or down...

Another thing to make the figures work correctly using my method is how to handle the distribution (if any). The distribution units are added proportionately to each of the purchases.

Using XIRR or IRR (internal rate of return), is more towards cash flow... which don't really serves my purpose of monitoring each purchase on its own since I do some 'market timing'... and will have to re-structure the file and the fields every differently; and will have to change the purchases and distributions to negative figures for the formula to work.

The beauty of my file is that is looks very similar to what you would see in the account enquiry page in PMO, and the purchases of the same fund is not grouped into one line... format and highlight each category of funds in different colours, plus sub-totals for each category... and voila... all the highlighted info in one page!

How to see my mutual fund return in % ?

I try to log in to the website .... But, I didn't see any % gain/loss mentioned lo

What you talking about?

Funds returns or Investors returns? (Maybe, read my previous and recent post on what's the difference between them.)

Funds returns - get them from their annual reports, morningstar website, the performance chart within public mutual website, etc.

Investors returns - you need to track it yourself using excel or other means. Public Mutual Online (PMO) will only show the actual value of your fund, which you can calculate the ROI (return on investment). Without the date of purchase or how long you had been holding the fund, you can't calculate the annualized returns.

He's referring to his portfolio return. PMO doesn't have fancy tool or interface to do that.

Ya, portfolio return in % lo. Thanks David83 for clarification

What you guys talking about? Isn't investor returns same as portfolio returns?

Whatever it calls, he just wants to the return-to-date of each fund he holds.

As in answered in 1st post: Investors returns - you need to track it yourself using excel or other means. Public Mutual Online (PMO) will only show the actual value of your fund, which you can calculate the ROI (return on investment). Without the date of purchase or how long you had been holding the fund, you can't calculate the annualized returns.

Then convert it to % if you want to...

Please take note of upgrade in PMO: PAC number is now needed when you do switching.

Cheers. Stay Invested.

I'm already aware of that.

Really, my latest switching on 22-Jul still process as normal. Do u know when it started?

From what I experience is changing the password, would required PAC number.

My latest switch is today... add some into POGF as the KLCI index is at its 200-day ma.

Deliberating whether to switch fr Pbond to equity fund next week

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This post has been edited by David83: Aug 9 2014, 03:37 PM

I invested PUblic Focus select fund a few years ago. The fund perform terribly...

Any fund advice to switch ? I accept moderate to high risk, but expect reasonable good return (15+% annually, not 4+% after a few years )

Thanks

Is it? On swell, I also switch some on Friday

cutepet,

Hoe did you come out with the 4% return figure?
Have you included the distribution reinvestments into the calculation?

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