Are you actually beating the market?
BenchMarked simulates buying an index or stock on the same days you deposited, and selling on the days you withdrew. The result is a fair comparison that includes the cost of money sitting in cash.
Trading 212 supported at launch · read-only API access · your key stays encrypted
The problem
Why every other comparison lies to you
Most ways of measuring your return quietly assume something that isn't true. Here is what they get wrong, and what BenchMarked does instead.
The naive comparison
Comparing your return to the index over the same period assumes you invested everything on day one. So does time-weighted return, the number most trackers show: it is designed to ignore when you added money. In reality you added money gradually, and that timing is the one thing you actually control.
Pretends all your money was there on day one
What BenchMarked does
BenchMarked answers a simpler question: what if every deposit you made had gone into the index that same day, and every withdrawal had come back out the same way? Money taken out counts the same way money put in does. If the index would have beaten your picks with your exact cash flows, you will see it.
Same amount, same days, simulated index buys
We'd rather show you a gap than a guess
When our price history has a hole in it, the chart says so: a shaded, labeled gap right where the data is missing. A benchmark tool that hides its own limitations can't be trusted with yours.
What you get
See where you actually stand
Beat the S&P but lose to the world?
Compare against more than one benchmark, such as the S&P 500, FTSE 100, and global all-world, and see which you're actually ahead of.
Your deposits, on the chart
Every deposit is a marker on the chart, so you can see when your money arrived and what the market did next.
Risk, explained
Risk, named plainly
Volatility, beta, Sharpe ratio, and max drawdown, for your portfolio and the benchmark side by side. Click any of the four to see what it means and how it's calculated.