Total profit hides the truth. These two numbers show the yearly pace of any investment, even when money went in at different times.
CAGR fits one deposit held to the end. XIRR handles deposits and withdrawals at any dates, so it matches how real portfolios behave.
Use CAGR for one deposit, XIRR for many dated flows.
Type start and end values, or list amounts with dates.
The result is the yearly return that connects your flows.
CAGR = (end ÷ begin)^(1 ÷ years) − 1; XIRR solves NPV(flows, rate) = 0XIRR discounts every flow by actual days, so deposits and withdrawals land fairly.
Judge two funds over the same window fairly.
See the return your behaviour actually produced.
Test course and advisory return claims yourself.
Quote one honest annualised number.
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