How does my portfolio compare to the S&P 500?
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.
Here’s a concise comparison of your portfolio versus the Invesco S&P 500 UCITS ETF Acc (benchmark) over the available periods.
| Period | Your portfolio total return (TWR) [%] | Benchmark return [%] | Excess return (points) |
|---|---|---|---|
| 12/05/2021 to 10/09/2026 | +45,96% | 107,21 | -62,01 |
| 01/01/2026 to 10/09/2026 | 5,28 | 12,49 | -7,21 |
| 01/01/2025 to 31/12/2025 | 1,33 | 3,86 | -2,53 |
| 01/01/2024 to 31/12/2024 | 24,96 | 33,60 | -8,64 |
| 01/01/2023 to 31/12/2023 | 26,80 | 22,69 | +4,11 |
| 01/01/2022 to 31/12/2022 | -16,57 | -14,05 | -2,52 |
| 12/05/2021 to 31/12/2021 | 2,83 | 25,89 | -23,06 |
What this table shows in plain terms:
- Over the full record (since 12/05/2021) your time-weighted return is +45,96% while the S&P 500 ETF returned 107,21%, so your portfolio underperformed by -62,01 percentage points on that horizon.
- Performance varied year-to-year: you outperformed the benchmark in 2023 by +4,11 points, but underperformed in several other full-year periods and in 2026 year-to-date.
- The most recent shorter-term period (01/01/2026–10/09/2026) shows your portfolio returned 5,28% versus the benchmark’s 12,49% (excess -7,21 points).
Notes:
- Returns shown are time-weighted returns (TWR) from your portfolio snapshots and the benchmark returns provided.
- The benchmark named in your data is Invesco S&P 500 UCITS ETF Acc (IE00B3YCGJ38).
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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.