Rayvt,It becomes quite complicated when you have irregular contributions and/or a mix of both additions & withdrawals. Like when you want to figure your returns for a taxable account that you shift money into and out of. But XIRR takes all that in stride, whereas none of the simpler methods do. Yes, it seems like XIRR would work for that, but it would be a pain. The complexity of taxable accounts has always been unattractive to me. Almost as much as having to pay the taxes ;).
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