Portfolio performance for individual investors

Am I beating
the market?

The one question your brokerage will not answer. Candid reads your entire trading history — every account, every buy, sell and dividend — and returns the answer as a single line you can act on.

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Private beta · access by invitation · No brokerage login · Every trade reconciled

Total return · since Mar 1, 2021

+$98,913.20

109.5% return on $77,000 invested

Versus the S&P 500

1.4 points behind

Unrealized
+$86,852.50
Realized
+$8,543.20
Dividends
+$3,517.50
Today
+$2,410.40

Portfolio value

$172,395.70

Holdings $166,810 · cash $5,586

Your return

109.5%

Across 12 transactions, 7 positions

S&P 500, same dates

110.9%

Your deposits, matched into the index

Difference

−1.4 pts

$3,345 more in your account than in the index

01

One line, drawn against the index that never sleeps.

The benchmark is not a vague market average. Every dollar you deposited is matched into the S&P 500 on the day you deposited it. Same money, same dates — the only comparison that is honest.

Portfolio value vs. benchmark

−50%0%+50%+100%+150%Mar 1 '21Jan 28 '22Jan 3 '23Dec 5 '23Nov 6 '24Oct 14 '25Sep 17 '26
Your portfolio S&P 500, same cash flowsYou +109.49% · Index +110.92%

02

Your history is a mess.
That is the point.

Partial sells. Two entries into the same name at very different prices. A split you forgot about. A withdrawal you forgot about. Candid untangles every bit of it — cost basis, dividends and all — so the number at the end is defensible.

What you did · MAIN 12 rows

2021-03-01  DEPOSIT           $60,000.00
2021-03-02  BUY       AAPL  120 @  125.19
2021-03-02  BUY       MSFT   60 @  233.62
2021-03-02  BUY       DIS    80 @  193.87
2022-09-15  BUY       HD     40 @  271.54
2022-12-15  DEPOSIT           $25,000.00
2023-01-04  BUY       NVDA   25 @  147.50
2023-06-02  BUY       AMZN   60 @  124.25
2023-06-02  BUY       META   20 @  272.47
2025-03-14  SELL      NVDA   80 @  121.54
2026-01-15  BUY       MSFT   20 @  456.71
2026-02-20  WITHDRAWAL         $8,000.00

Read those NVDA rows again: 25 shares bought, 80 sold. Both are right — a 10-for-1 split landed in between, and every row before it has been restated into today's shares. That is why the position now reads 170 shares at a $14.75 average cost.

What it means As of Sep 17, 2026

Portfolio value
$172,395.70
Capital invested
$77,000.00
FIFO cost basis
$79,957.30
Realized gain
+$8,543.20
Unrealized gain
+$86,852.50
Dividend income
+$3,517.50from 90 payments
Your return
109.5%
Benchmark
110.9%

03

Every position, ranked by what it is actually doing.

Sort by any column. Narrow to one account, one symbol, or one date range — and the bottom line only counts what's left.

Positions held, priced at the close on Sep 17, 2026
SymbolSharesAvg costLastMkt valueTodayUnrl P&Lvs S&PIncome% port
AAPLApple Inc.120$125.19$337.09$40,450.80+$552.00+1.38%+$25,428.00+169.26%+71.9 pts$640.8024.2%
MSFTMicrosoft Corporation80$289.39$497.67$39,813.60+$577.60+1.47%+$16,662.20+71.97%+16.0 pts$1,031.4023.9%
NVDANVIDIA Corporation170$14.75$219.40$37,298.00+$928.20+2.55%+$34,790.50+1387.46%+1288.7 pts$64.3022.4%
AMZNAmazon.com, Inc.60$124.25$251.12$15,067.20+$307.80+2.09%+$7,612.20+102.11%+23.8 pts—9.0%
METAMeta Platforms, Inc. Class A20$272.47$682.39$13,647.80+$176.00+1.31%+$8,198.40+150.45%+72.1 pts$103.008.2%
HDHome Depot, Inc.40$271.54$302.62$12,104.80+$1.20+0.01%+$1,243.20+11.45%−84.0 pts$1,418.007.3%
DISThe Walt Disney Company80$193.87$105.35$8,427.60−$132.40−1.55%−$7,082.00−45.66%−143.0 pts$260.005.1%
Holdings$166,809.80+$2,410.40+$86,852.50$3,517.50100.0%

04

A total tells you the score.
Not who scored.

Split the return by position, by month, by account, or by realized versus still riding. Then you know where to put your next hour of attention — and what to stop paying attention to.

69%

Share of the $86,852 open gain produced by just two positions — NVDA and AAPL

PositionContribution to open gainDollars
NVDA+$34,790.50
AAPL+$25,428.00
MSFT+$16,662.20
META+$8,198.40
AMZN+$7,612.20
HD+$1,243.20
DIS−$7,082.00
Solid — adding to your returnOutlined — taking away from it

Concentration

NVDA is 22% of the portfolio and 40% of the open gain.

That is either conviction or an accident, and you should know which. Candid surfaces the imbalance rather than averaging it away. Your largest holding is AAPL; your largest earner is not.

Attention required

DIS is the only holding that has lost you money.

DIS is down $7,082.00 on a position still worth $8,428. That is a decision waiting to be made, not a rounding error — and it is the kind of thing a single portfolio total hides completely.

05

You bring one thing.
Candid works out the rest.

Enter your trades, and nothing else. Prices, cost basis, profit and loss, the benchmark — Candid works all of it out, and updates the moment anything changes.

YOUWhat you didEvery buy, sell, deposit and withdrawal, exactly as it happened. Import a CSV, paste it, or type it. Edit any row and the whole report moves.
CANDIDWhat it is worth todayPrices are our problem, not yours. Daily closes for every symbol you hold are fetched and matched to your history — including the splits and dividends you forgot about.
CANDIDWhat you actually madeFIFO lots, realized versus unrealized, the day change, dividend income. We do the hard part. No spreadsheet required.
CANDIDWhether it beat the marketYour deposits are matched into the S&P 500 on the days you actually made them — so “beating the market” is a fact, not a flattering story.

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Stop guessing.
Start reading the score.

Bring your history. Candid returns what it is worth, what it beat, and exactly where the money came from.

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Private beta · access by invitation · No brokerage credentials · Nothing to install