I assume many of you do track the performance of your portfolio. I am tracking mine in my spreadsheet using the XIRR() function. (On 1.1. I put the current value of my portfolio as a negative entry (as if I bought everything at the beginning of the year), and then on the 31.12. the total value of the portfolio at the end of the year.)
Now here is the thing: For 2019 up until today I got a return of 44.25%
This seems rather high compared to VT’s ytd of ca. 27%. (My portfolio does not match VT 100% since I do have some old picked stocks from the time before I discovered Vanguard. However, they did not outperform so much that this could turn the tide.)
So I am wondering: Is XIRR not the right formula to track the return of a portfolio? How do you guys track your performance? And what performance did you get in 2019?