How is the return percentage in my Pluang portfolio calculated?
The return percentage on your Pluang portfolio is your total unrealised profit or loss divided by the total cost of what you hold, which includes your cash balances as well as your investments. Total cost is the amount you paid for the assets you still own plus your cash balances at their cost, such as Rupiah cash and US dollar or USDT balances at the rate you acquired them. Cash is included because the profit figure already contains the exchange rate gain or loss on your USD and USDT cash. Leaving that cash out of the base would overstate the percentage. Each asset tab, such as US Stocks, shows its own percentage, measured against the cost of that asset only, so the total rarely matches any single tab. The percentage reflects positions you still hold; profit from positions you have already closed by selling sits in realised profit and loss.
Formula: Portfolio return percentage = total unrealised profit or loss ÷ (cost of the assets you hold + cost of your cash balances) × 100%
Worked example (simplified)
| Item | Cost | Current value | Unrealised profit/loss |
|---|---|---|---|
| Investments you hold | Rp10,000,000 | Rp11,000,000 | +Rp1,000,000 |
| USD cash | Rp2,000,000 | Rp2,100,000 | +Rp100,000 |
| Rupiah cash | Rp500,000 | Rp500,000 | Rp0 |
| Total | Rp12,500,000 | Rp13,600,000 | +Rp1,100,000 |
Portfolio return percentage = Rp1,100,000 ÷ Rp12,500,000 = 8.8%. Measured against the investments alone, the same profit would read 11%, which counts a currency gain on cash that isn't in the base.
- Each asset tab has its own base. The percentage on an asset tab compares that asset's unrealised profit or loss with what you paid for it. For leveraged US Stocks, it is measured against your own invested money, not the full position.
- The total is weighted by size. Larger items move the total percentage more than smaller ones, so it is not a simple average of each tab's percentage.
- Realised results are separate. Selling a profitable position moves its result into realised profit and loss, so the percentage can fall after a sale even though you made money.
Related questions:
Q: Why doesn't the percentage match my profit divided by my invested amount?
Because the base also includes your cash balances at their cost, not only the money in your investments. The profit figure already contains the exchange rate gain or loss on any USD or USDT cash you hold, so that cash belongs in the base too. To check the figure, divide your total unrealised profit or loss by the cost of your investments plus the cost of your cash balances. If the result matches the app, the calculation is working as intended.
Q: Does topping up my balance change my return percentage?
Yes, it can, even though your profit doesn't change. Cash counts in the base, so adding Rupiah cash increases the total cost while the unrealised profit or loss stays the same, which makes the percentage smaller. Withdrawing cash has the opposite effect. Nothing has happened to your investments in either case; the same profit is simply measured against a larger or smaller base. Check the profit or loss amount itself if you want to see how your holdings performed.
Q: Why is the total percentage different from each asset's percentage?
Because each asset tab measures its own profit or loss against the cost of that asset only, while the total measures all of your profit or loss against everything you hold, cash included. Larger items weigh more in the total, and the total also contains the currency effect on your USD and USDT cash, which the US Stocks tab, for example, does not include. That is why the total rarely equals any one tab's percentage or a simple average of them.
Q: Is the return percentage an annual return?
No. It compares the total unrealised profit or loss on what you hold now with what those holdings and cash balances cost you, however long you have held them. It is not converted into a yearly rate, and it doesn't include profit you have already realised by selling. A 10% figure could reflect a few weeks or several years of holding, so compare it with how long you have held your assets when judging it.