Am I beating the market?
A performance question asks what a portfolio has actually returned. The answer keeps the money you paid in apart from the money the investments made, which is why a time-weighted and a money-weighted return can differ so much on the same account.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
Short answer: No — over the same full period your portfolio underperformed the benchmark.
Table summarising returns (periods available in your data):
| Period | Portfolio time-weighted return (%) | Benchmark return (%) | Excess (percentage points) |
|---|---|---|---|
| 12/05/2021 to 10/09/2026 | +45,96% | 75,79 | -30,59 |
| 01/01/2026 to 10/09/2026 | 5,28 | 11,16 | -5,88 |
What this means
- Over 12/05/2021–10/09/2026 your portfolio's time-weighted return was +45,96% while the HSBC MSCI World UCITS ETF returned 75,79% — an underperformance of -30,59 percentage points.
- Year-to-date (01/01/2026–10/09/2026) your portfolio returned 5,28% versus the same ETF's 11,16% — an underperformance of -5,88 percentage points.
If you want, I can break the comparison down by holdings, sectors or currency next.
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See this for your own portfolio
The assistant answers the same question about your own holdings, with your figures and today’s prices. Import from your broker, or open the demo portfolio and ask it there.