On 2026-07-01 05:42, Brent McBride wrote:

Hi Wm,
You're right that the report has Grand Totals for Realized/Unrealized Gain and 
ROI, but not for the CAGR columns — and that was a deliberate decision rather 
than an oversight. Here's the reasoning:
The Gain and ROI totals work because they're built from plain currency amounts. 
Gains simply add up, and ROI is just total gain divided by total basis — both 
of which combine cleanly across everything in the report, even when different 
accounts hold different securities.
CAGR is different. It's an annualized rate of return, not a dollar amount, so you can't just 
add the individual lots' CAGRs together. To produce a meaningful total you have to compute a 
weighted average, and each lot also covers a different holding period and different start/end 
dates. Within a single account (which holds one security), the report can weight each lot's 
CAGR by its share count and give you a sensible account-level figure. But the Grand Total 
spans multiple accounts holding different securities, and you can't meaningfully combine 
share counts across, say, Apple shares and an S&P 500 fund. Without a common basis to 
weight by, any single "grand total CAGR" number would be arbitrary and potentially 
misleading — so rather than show a figure that looks authoritative but isn't trustworthy, the 
report leaves it blank.
A grand-total CAGR isn't impossible in principle — it would mean switching to a 
value-weighted average (weighting by each lot's cost basis in the report 
currency instead of by share count), or a proper money-weighted return (IRR) 
that accounts for the differing time periods. Both are more involved changes, 
and the harder part is being confident the resulting single number is actually 
meaningful rather than just plausible-looking.
Thanks,
Brent

Thank you for your detailed reply, Brent.  I agree it is better to leave the grand totals out under the circumstances.

Wm

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