Finding performance data
The Portfolio tab and the Holdings tab in M1 both show you the performance of your investments. Each page has a different goal in mind so M1 uses two different calculations to show the return.
Portfolio tab: Total Gain, Market Gain, Net Cash Flow, & Money-Weighted Return
Total Gain
Total gain is your market gains / losses plus dividends earned over your selected time period. This includes:
Unrealized gains/losses from current positions
Realized gains/losses from securities sold or Slices removed
Market Gain
Market gain is the increase or decrease in value of your investment over your selected time period. Market gain is either unrealized or realized.
Net Cash Flow
Net cash flow represents the dollars you move into or out of a given Pie or Slice.
Net cash flow increases when you buys, reinvest dividends, and move securities into a Pie or Slice.
Net cash flow decreases when you sell or move securities out of a Pie or Slice.
Return
On M1, you can view your performance as one of two cumulative return metrics:
Money-Weighted Rate of Return (MWRR):
Helps you understand your internal rate of return (IRR)
Shows performance of your underlying holdings and the timing of your trades
Reflects the timing and size of your buys, sells, and cash flows. For example, a large purchase right before a security increases in value would increase MWRR.
Time-Weighted Rate of Return (TWRR): Coming soon
Helps you compare your return relative to benchmarks (e.g., 60/40 stock/bond portfolio, S&P500)
Shows performance of your underlying holdings and any changes to your underlying holdings over the time period
Excludes the impact of your buys, sells, and cash flows
More Info:
How it's Calculated: Money-weighted Rate of Return (MWRR) and Time-Weighted Rate or Return (TWRR)
Holdings tab: Unrealized Gain & Cost basis
Unrealized Gain
The Holdings tab shows the value of your current positions and their cost basis. The
difference between these two values is your unrealized gain. It does not show positions you’ve sold.
This tab's main goal is to give you a snapshot of your current positions and their potential tax liability upon sale. Unrealized gain is not a complete picture of your past performance because it excludes dividends earned and realized gains/losses.
Unrealized gain may be higher than your total gain for a few reasons, including:
You previously sold higher cost basis shares.
You transferred securities to M1. Your unrealized gain will be based on your cost basis from the date you originally purchased the shares, while your all-time total gain on M1 will start at the date you transferred your shares into your Pie on M1.
Unrealized gain (%) compares your unrealized gain vs. your cost basis. It is different than your money-weighted in a few ways:
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Time Period |
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Cost basis
Cost basis is the purchase price of a security for tax purposes.The cost basis displayed by M1 does not consider disallowed losses.
Why did my performance data change?
Your performance data may be temporarily affected when action is taken on the account that credits, debits, or moves a position.
This commonly happens when a corporate action occurs.
If a corporate action has affected your account, please allow a few business days for your performance data to adjust. Other situations may require our support team to manually reset your performance data.
Request to reset performance data
Our team can manually reset the performance data for your account. If you would like to reset your data, please chat with us and type "reset performance information".
Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. Please look at your account statement to determine how your account is cleared.
All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using margin can add to these risks. Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Margin rates may vary.
Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.
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