📊 What Is Total Return?
Think of Total Return as a complete summary of how your account has performed since your first deposit into Gotrade.
It answers one simple question: after everything that has happened in your account — deposits, withdrawals, trades, dividends, rewards, fees, and adjustments — are you up or down, and by how much?
The calculation is:
Total Return = Portfolio + Withdrawals − Deposits
In simple terms:
Start with what your portfolio is worth today
Add anything you have already withdrawn
Subtract everything you have deposited
Whatever remains is your Total Return.
Your Total Return consists of two parts:
Total Return = Realised Return + Unrealised Return
📈 What Is Unrealised Return?
Unrealised Return is the gain or loss from positions that you still hold.
It is calculated based on the current market price compared with your Average Cost Basis.
Because these positions have not been sold yet, the value is still "on paper" and can continue to change with the market.
✅ What Is Realised Return?
Realised Return includes changes in your account value that have already been realised.
You can now see a more detailed breakdown of what contributes to it:
Closed positions → gains or losses from positions you have closed, including relevant corporate actions or option settlements
Dividends → cash dividends you have received
Cash earning → earnings generated by your cash balance, for example through Grow
Rewards → bonuses, free stocks, or promotional rewards you have received
Trading fee → transaction fees you have paid
Adjustment in → money or assets added to your account through an adjustment, such as an asset transfer or gift received
Adjustment out → money or assets removed from your account through an adjustment, such as an outgoing asset transfer or gift sent
These components add up to the Realised Return shown in your account.
Not every item will appear for every user. If you have not had a particular type of activity, that line may not be shown.
🧾 Example: Calculating Total Return
Over time, your account activity looks like this:
Deposit → $1,000
Profit from closed positions → +$150
Dividends → +$20
Cash earning → +$5
Reward → +$10
Trading fee → −$3
Unrealised return from positions you still hold → +$40
Withdrawals → $0
Realised Return
$150 + $20 + $5 + $10 − $3 = $182
Unrealised Return
= $40
Total Return
$182 + $40 = $222
You can also verify it using the main formula:
Current Portfolio = $1,222
Total Return = $1,222 + $0 − $1,000 = $222
Both calculations arrive at the same result.
🔄 What Changed in the New Display?
Previously, Realised Return was mainly shown as a single number, making it difficult to understand what contributed to it.
With the new display:
Total Return can still be understood using Portfolio + Withdrawals − Deposits
Realised Return now has a detailed breakdown
Rewards, Trading Fee, and Adjustments are shown separately
You can more easily understand why your Total Return changes
The overall Total Return calculation remains consistent. The new breakdown simply makes the calculation more transparent and easier to understand.