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@newcreation17 Thanks, yeah I read through the comments and confirmed it with my account. This is annoying because it's basically a useless metric. IRR is the interpretable metric, there's really no point in compounding it to the lifetime of the account, given that we make cashflow transactions...

@newcreation17 Mate, I just did exactly this myself yesterday, with the same result. Did you ever get a resolution to this?

@newcreation17 I'm confident they're right, because I looked at Vanguard's IRR for arbitrary 12 months periods and it's correct. The annualised figure is the one I prefer as it's much easier for me to interpret. I will have a think about lifetime IRR though and see if I can make sense of it.