I always do this every year just to quickly see where I stand beside the benchmark, which in this case is the STI ETF.
XIRR is not an exhaustive measure for performance because it depends on many various factors, such as whether it includes cash. Mine did not include cash consideration otherwise it would have been a lot lower. A low XIRR in one particular year also does not mean that you are a lousy investor. Similarly, a high XIRR does not mean that you are a good investor.
We just need to be aware of the shortfall of the tools.
Many people have asked me on my previous post for the 31.8% growth year on year. To clarify, that includes capital injection and is simply a mathematical function of the overall portfolio growth. It does not measure the performance returns (though there are some correlation to it), which ......