Account Profit and Loss Analysis

1. Explanation of Basic Concepts
1.1 End-of-Day Total Assets
The total value of all assets in the account after market close on a given day. This includes, but is not limited to:

• Market value of securities (stocks, funds, ETFs, options, etc.)
• Available cash
• Frozen amounts, unsettled funds, etc.

If the day is not a trading day, the end-of-day total assets are equal to those of the previous trading day.
1.2 Net Asset Inflow
Refers to the funds or assets you deposit into or withdraw from the account, excluding changes caused by market price fluctuations. Typical examples include:

• Deposits, withdrawals, transfers between main and sub-accounts
• Securities transferred in/out
• Cash dividends, interest, promotional rewards, etc.

Formula:
Net Asset Inflow (T) = Asset Inflow (T) − Asset Outflow (T)
1.3 Return Rate Trend
The x-axis represents time, consistent with the profit trend chart.
The y-axis represents the return rate. Each point represents the cumulative rate of return from the beginning of the selected period to that specific date.
You can tap a benchmark index to compare your performance with the market over the same period.
1.4 Profit Amount Trend
The x-axis represents time, from the start to the end of the selected period.
The y-axis represents the cumulative profit amount.
Each point shows the cumulative profit generated by the account (including securities, funds, etc.) within the selected period.
 

2. How Is Profit Amount Calculated?
2.1 Daily Profit Amount
For day T:
Daily Profit (T) = End-of-Day Total Assets (T) − (Begin-of-Day Total Assets (T) + Net Asset Inflow (T)]
Interpretation:
If you regard deposits, withdrawals, and asset transfers as changes to principal, then the daily profit represents the amount gained or lost solely due to market movements, excluding any effect from additional deposits or withdrawals.
2.2 Monthly Profit Amount
For month M:
Monthly Profit = Sum of all daily profit amounts in that month
2.3 Cumulative Profit Amount
The absolute profit generated through investment activities within the selected period.
Formula:
Cumulative Profit = Sum of all daily profit amounts during the period
 

3. How Is Time-Weighted Return (TWR) Calculated?
3.1 Why Use Time-Weighted Return?

• Simple return (End Assets / Begin Assets − 1) becomes highly distorted when there are large deposits or withdrawals. For example, depositing a large amount in one day may artificially inflate or depress the simple return even before the money is invested.
• Time-Weighted Return (TWR) divides the full period into smaller intervals, calculates the return of each interval, and then compounds them. This approach removes the impact of cash flows and reflects the account’s genuine investment performance.

3.2 Daily Return Calculation
Daily Return (T) = Daily Profit (T) ÷ [Begin-of-Day Total Assets (T) + Net Asset Inflow (T)]
3.3 Cumulative Return Calculation
Cumulative Return (TWR) = (1 + R₁) × (1 + R₂) × … × (1 + Rₙ) − 1
Where Rₙ is the daily return for day n.
 

4. Frequently Asked Questions
4.1 At what time are daily profit figures updated?

• Saudi Market: The system displays the next day’s profit data starting from 10:00 AM Saudi time.
• U.S. Market: The system displays the next day’s profit data starting from 8:00 PM Eastern Time.

4.2 If I have multiple cash accounts, are the profit figures aggregated?

• U.S. and Saudi market accounts are tracked separately.
• In the Saudi market, if you have multiple cash accounts, each account’s performance is displayed independently, with no aggregation across accounts.

4.3 Is all data on the Performance page updated in real time?
Yes. When you open the page, the latest performance data is displayed.
You may manually refresh or switch the date range to obtain real-time updates.