Worthic’s investment returns are based on the holdings and investment activity recorded inside each portfolio. For detailed portfolios, the app looks at trade events, current units, average cost, latest market value, brokerage fees, sale proceeds, and dividend payments. It then calculates different return views for different questions.
The annualised return uses a money-weighted XIRR-style calculation. Buys are treated as money invested, sells and dividends are treated as money returned, and the current value of the remaining holdings is added as the ending value. Because each cashflow keeps its own date, the result reflects both performance and timing: investing earlier, adding later, selling, or receiving dividends all affect the annualised figure.
Worthic also calculates a since-inception return by comparing total invested capital with current value plus money returned through sells and dividends. Income yield is calculated separately from dividend payments over the previous 12 months, compared with the current value of the portfolio.
Where currencies differ, amounts are converted using available FX rates so returns can be viewed consistently in the account or reporting currency.