Portfolio Return Calculator
Calculate the weighted average return and CAGR of a mixed asset portfolio. Track up to 20 assets including stocks, bonds, and crypto to determine total wealth growth.
About
Managing a diversified portfolio requires more than checking individual stock tickers. This tool calculates the aggregate performance of a mixed basket of assets, providing a single Weighted Average Return metric. This is essential for understanding how a heavy loss in a small position or a small gain in a large position affects overall wealth. It is designed for self-directed investors balancing equities, fixed income, and cryptocurrencies.
The calculator aggregates the total invested capital versus the current market value to derive the absolute return. Additionally, by inputting the holding period, it computes the Compound Annual Growth Rate (CAGR), smoothing out volatility to show the effective annual accumulation rate. This helps in benchmarking personal performance against standard indices like the S&P 500.
Formulas
The Total Portfolio Return is calculated by summing the current value of all assets and comparing it to the total initial investment:
If a holding period t (in years) is provided, the Compound Annual Growth Rate (CAGR) is derived:
Reference Data
| Asset Class | Historical Avg Return (Nominal) | Risk Level | Recommended Allocation (Conservative) | Recommended Allocation (Aggressive) |
|---|---|---|---|---|
| Large Cap Stocks (US) | 10.0% | Medium | 30% | 50% |
| Small Cap Stocks | 11.8% | High | 5% | 20% |
| Intl. Developed Stocks | 8.4% | Medium | 10% | 20% |
| Corporate Bonds (Inv. Grade) | 5.5% | Low | 30% | 5% |
| Government Bonds (10Y) | 4.8% | Very Low | 20% | 0% |
| Real Estate (REITs) | 9.2% | Med-High | 5% | 5% |
| Commodities / Gold | 4.0% | High | 0% | 5% |