In my ongoing attempt to better understand my annual rate of return on my taxable Sharebuilder portfolio, my readers have noted that I need to look at how much was actually invested annually to solve this. So here we go. More math to follow.
Total Dollars Invested & Withdrew Per Year (*not counting taxes & fees)
| Year | Invested | Withdrawal |
| 2008 | $2350 | 0 |
| 2009 | $6300 | -$300 |
| 2010 | $24270.72 | -$1261.74 |
| 2011 | $28350 | -$51.8 |
| 2012 | $19944.68 | -$2947.87 |
| 2013 | $7308 | -$24896.98 |
Taxes Each Year
| Year | ST gain/loss | LT gain/loss | Total Gain/Loss | Qualified Dividends | Ordinary Dividends | FT Withheld |
| 2011 | -$3226.97 | -$1894.53 | -$5121.5 | $483.7 | $0 | -$12.39 |
| 2012 | -$1108 | -$767.85 | -$1875.85 | $1278.64 | $63.29 | -$7.5 |
| 2013 | -$1254.74 | $8122.4 | $6867.66 | TBD | TBD | TBD |
| Total | -$129.69 | $1762 |
Withdrawal Details
| 11/10/2011 | MTW | ING DIRECT INSTANT WITHDRAWAL XXXX6243 | -$51.8 |
| 2/6/2012 | MTW | ING DIRECT INSTANT WITHDRAWAL XXXX6243 | -$70.07 |
| 9/14/2009 | ACD | ELECTRONIC FUNDS WITHDRAWAL | -$300 |
| 9/24/2010 | ACD | ELECTRONIC FUNDS WITHDRAWAL | -$1621.74 |
| 8/30/2012 | ACD | ELECTRONIC FUNDS WITHDRAWAL | -$2427.8 |
| 2/19/2013 | ACD | ELECTRONIC FUNDS WITHDRAWAL | -$2982.14 |
| 6/10/2013 | ACD | ELECTRONIC FUNDS WITHDRAWAL | -$6914.84 |
| 7/8/2013 | ACD | ELECTRONIC FUNDS WITHDRAWAL | -$15000 |
Transfer In Details
| Date | Type | Type Details | Total Transfer |
| 1/18/2008 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 1/23/2008 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 1/23/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/25/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/28/2008 | ACH | ACH DEPOSIT – ONE-TIME | $250 |
| 3/18/2008 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 3/25/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 4/23/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 5/23/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 6/24/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 7/23/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 8/25/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 9/23/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 10/23/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 11/25/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 12/23/2008 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 1/23/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/11/2009 | ACH | ACH DEPOSIT – ONE-TIME | $200 |
| 2/20/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 2/24/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 3/3/2009 | ACH | ACH DEPOSIT – ONE-TIME | $200 |
| 3/6/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 3/20/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 3/24/2009 | ACH | ACH DEPOSIT – ONE-TIME | $300 |
| 3/24/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 4/3/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 4/6/2009 | ACH | ACH DEPOSIT – ONE-TIME | $100 |
| 4/8/2009 | ACH | ACH DEPOSIT – ONE-TIME | $200 |
| 4/17/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 4/20/2009 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 4/23/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 5/1/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 5/15/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 5/20/2009 | ACH | ACH DEPOSIT – ONE-TIME | $600 |
| 5/26/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 5/29/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 6/12/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 6/23/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 6/26/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 7/10/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 7/23/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 7/24/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 8/7/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 8/11/2009 | ACH | ACH DEPOSIT – ONE-TIME | $300 |
| 8/21/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 8/25/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 9/2/2009 | ACH | ACH DEPOSIT – ONE-TIME | $300 |
| 9/4/2009 | ACH | ACH DEPOSIT – RECURRING | $100 |
| 9/23/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 10/15/2009 | ACH | ACH DEPOSIT – ONE-TIME | $300 |
| 10/23/2009 | ACH | ACH DEPOSIT – ONE-TIME | $300 |
| 10/23/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 11/9/2009 | ACH | ACH DEPOSIT – ONE-TIME | $200 |
| 11/24/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 12/23/2009 | ACH | ACH DEPOSIT – ONE-TIME | $200 |
| 12/23/2009 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 1/5/2010 | ACH | ACH DEPOSIT – ONE-TIME | $200 |
| 1/25/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 3/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 4/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 5/4/2010 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 5/25/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 6/2/2010 | ACH | ACH DEPOSIT – ONE-TIME | $300 |
| 6/9/2010 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 6/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 7/6/2010 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 7/13/2010 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 7/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 8/24/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 8/31/2010 | ACH | ACH DEPOSIT – ONE-TIME | $3000 |
| 9/3/2010 | ACH | ACH DEPOSIT – ONE-TIME | $670.72 |
| 9/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 9/24/2010 | ACH | ACH DEPOSIT – ONE-TIME | $3000 |
| 10/12/2010 | ACH | ACH DEPOSIT – ONE-TIME | $3000 |
| 10/22/2010 | ACH | ACH DEPOSIT – ONE-TIME | $4000 |
| 10/25/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 11/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 12/7/2010 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 12/23/2010 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 12/29/2010 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 1/11/2011 | ACH | ACH DEPOSIT – ONE-TIME | $10000 |
| 1/25/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/16/2011 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 2/23/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 3/8/2011 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 3/9/2011 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 3/22/2011 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 3/23/2011 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 3/23/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 4/11/2011 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 4/26/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 5/3/2011 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 5/19/2011 | ACH | ACH DEPOSIT – ONE-TIME | $1500 |
| 5/24/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 6/23/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 7/25/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 8/23/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 9/7/2011 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 9/23/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 10/18/2011 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 10/25/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 11/1/2011 | ACH | ACH DEPOSIT – ONE-TIME | $300 |
| 11/10/2011 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 11/17/2011 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 11/23/2011 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 12/14/2011 | ACH | ACH DEPOSIT – ONE-TIME | $3000 |
| 12/16/2011 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 12/28/2011 | MTD | ING DIRECT INSTANT DEPOSIT XXXX6243 | $1000 |
| 1/3/2012 | MTD | ING DIRECT INSTANT DEPOSIT XXXX6243 | $1000 |
| 1/17/2012 | MTD | ING DIRECT INSTANT DEPOSIT XXXX6243 | $455 |
| 1/20/2012 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 1/24/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/2/2012 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 2/9/2012 | MTD | ING DIRECT INSTANT DEPOSIT XXXX6243 | $269.52 |
| 2/23/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/28/2012 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 3/19/2012 | ACH | ACH DEPOSIT – ONE-TIME | $500 |
| 3/23/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 4/2/2012 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 4/17/2012 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 4/24/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 5/3/2012 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 5/8/2012 | MTD | ING DIRECT INSTANT DEPOSIT XXXX6243 | $120.16 |
| 5/23/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 6/18/2012 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 6/25/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 7/24/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 8/23/2012 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 8/23/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 9/25/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 10/22/2012 | ACH | ACH DEPOSIT – ONE-TIME | $3000 |
| 10/23/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 11/6/2012 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 11/26/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 12/6/2012 | ACH | ACH DEPOSIT – ONE-TIME | $1000 |
| 12/26/2012 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 1/23/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 2/25/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 3/25/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 4/23/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 5/23/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 6/25/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 7/22/2013 | MTD | CAPITAL ONE 360 DEPOSIT XXXX6243 | $1300 |
| 7/23/2013 | ACH | ACH DEPOSIT – ONE-TIME | $2000 |
| 7/23/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 8/2/2013 | ACH | ACH DEPOSIT – ONE-TIME | $2500 |
| 8/23/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 9/24/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 10/23/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 11/4/2013 | MTD | CAPITAL ONE 360 DEPOSIT XXXX6243 | $908 |
| 11/25/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 12/24/2013 | ACH | ACH DEPOSIT – RECURRING | $50 |
| 1/23/2014 | ACH | ACH DEPOSIT – RECURRING | $50 |
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So in order to figure out your compound rate of return try the formula:
annual_compounded_yield = (capital / return) ^ ((1 / n) – 1)
Where capital is the amount you put in, return is the current value, and n is the number of years.
Since you have deposits over time you can calculate n as a weighted value, i.e.
n = sum over i [ n_i * (deposit_i / total_capital)]
Doing the calculation based on year probably will make the math easier, though complete calculation should be readily doable with a spreadsheet anyway.