A sequel to my previous post. Can I make use of XIRR's value to help in my investment portfolio goal setting? Think come, think go... cannot leh. :( WHY? Because XIRR % is like a report card grade which shows how my portfolio has performed over a fixed period of time, say last year. However, it is not practical to set a goal based on the % or confer a meaning to it as the current market value of my portfolio is controlled by Mr Market (although you may argue investment timing matters *cough cough*). So on sunny days, XIRR is good and on rainy days, XIRR is bad. Notwithstanding the fact that data punching is going to be tedious for the value to be accurate. Diligence... hmm... Before I put XIRR completely out of picture... XIRR calculation might be meaningful IF you want ......