# Investment Return Breakdown

**URL:** <https://community.trading212.com/t/investment-return-breakdown/16154>\
**Category:** 📰 What's new\
**Created:** [August 14, 2020, 9:07pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154 "2020-08-14T21:07:07Z")\
**Posts on this page:** 20\
**Page:** 1

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**Author:** ![George](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/george/32/22694_2.png) [@George](https://community.trading212.com/u/George)\
**Post date:** [August 14, 2020, 9:07pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/1 "2020-08-14T21:07:07Z")

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**"Sell price higher than average price, why my return is negative?"**

Foreign exchange impact on investment returns is now crystal clear:

 ![image](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/1/1663f1b08806fa2834927050d5f558ca51f8628f.png)

The update is out for Android devices. iOS update coming up in the following days.

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**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.trading212.com/u/phildawson)\
**Post date:** [August 14, 2020, 9:09pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/2 "2020-08-14T21:09:28Z")

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Excellent improvement

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**Author:** ![Spacebar](https://avatars.discourse-cdn.com/v4/letter/s/a3d4f5/32.png) [@Spacebar](https://community.trading212.com/u/Spacebar)\
**Post date:** [August 14, 2020, 9:41pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/3 "2020-08-14T21:41:12Z")

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🥳 whoo hoo! I was hoping for something like this. Rock on 🤘

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**Author:** ![laguiar](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/laguiar/32/275_2.png) [@laguiar](https://community.trading212.com/u/laguiar)\
**Post date:** [August 14, 2020, 10:44pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/4 "2020-08-14T22:44:40Z")

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That’s great, thanks! 👋 👋 👋

ps: go enjoy the weekend George 😉

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**Author:** ![InvestOnly](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/investonly/32/8010_2.png) [@InvestOnly](https://community.trading212.com/u/InvestOnly)\
**Post date:** [August 14, 2020, 10:56pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/5 "2020-08-14T22:56:05Z")

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Cant wait for this to get on IOS. Great work T212!!

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**Author:** ![topher](https://avatars.discourse-cdn.com/v4/letter/t/9de053/32.png) [@topher](https://community.trading212.com/u/topher)\
**Post date:** [August 14, 2020, 11:56pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/6 "2020-08-14T23:56:37Z")

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Nifty addition this.

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**Author:** ![kali](https://avatars.discourse-cdn.com/v4/letter/k/a88e57/32.png) [@kali](https://community.trading212.com/u/kali)\
**Post date:** [August 15, 2020, 9:12am UTC](https://community.trading212.com/t/investment-return-breakdown/16154/7 "2020-08-15T09:12:54Z")

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the best thing is this’ll remove “that one post a day” asking about why someone lost money despite selling higher

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**Author:** ![topher](https://avatars.discourse-cdn.com/v4/letter/t/9de053/32.png) [@topher](https://community.trading212.com/u/topher)\
**Post date:** [August 15, 2020, 9:16am UTC](https://community.trading212.com/t/investment-return-breakdown/16154/8 "2020-08-15T09:16:56Z")

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Yeah, I’m sure it’ll save T212’s staff a lot of headaches. Features like this and the recent Aim warning one will educate users too. Great idea.

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**Author:** ![Richard.W](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@Richard.W](https://community.trading212.com/u/Richard.W)\
**Post date:** [August 15, 2020, 9:17am UTC](https://community.trading212.com/t/investment-return-breakdown/16154/9 "2020-08-15T09:17:11Z")

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> [@kali](#):
>
> “that one post a day” asking about why someone lost money despite selling higher

Questions will still surely come, but they can now be answered by referring enquirer to the app. I still like the idea that a notice should appear on the first occasion that someone buys an instrument that is not in their base currency.

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**Author:** ![cmaranhao81](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/cmaranhao81/32/629_2.png) [@cmaranhao81](https://community.trading212.com/u/cmaranhao81)\
**Post date:** [August 15, 2020, 1:37pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/10 "2020-08-15T13:37:02Z")

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I have trading 212 app updated and I am on Android, I cannot see this FX Impact statistic. what am I doing wrong?

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**Author:** ![Darthicc](https://avatars.discourse-cdn.com/v4/letter/d/e47c2d/32.png) [@Darthicc](https://community.trading212.com/u/Darthicc)\
**Post date:** [August 15, 2020, 1:54pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/11 "2020-08-15T13:54:57Z")

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Same here tried reinstalling and restarting phone still doesn’t work

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**Author:** ![Richard.W](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@Richard.W](https://community.trading212.com/u/Richard.W)\
**Post date:** [August 15, 2020, 2:00pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/12 "2020-08-15T14:00:52Z")

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You need to press where it says RETURN and expand the list

 ![Screenshot_20200815-145622](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/5/5cea997bf01b2fb7bc28656a2560a856c2deb7cd.jpeg)

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**Author:** ![cmaranhao81](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/cmaranhao81/32/629_2.png) [@cmaranhao81](https://community.trading212.com/u/cmaranhao81)\
**Post date:** [August 15, 2020, 2:03pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/13 "2020-08-15T14:03:57Z")

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nothing available to click on my side

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**Author:** ![Richard.W](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@Richard.W](https://community.trading212.com/u/Richard.W)\
**Post date:** [August 15, 2020, 2:05pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/14 "2020-08-15T14:05:19Z")

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Check you have Android 5.5.7 version of the app.

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**Author:** ![Darthicc](https://avatars.discourse-cdn.com/v4/letter/d/e47c2d/32.png) [@Darthicc](https://community.trading212.com/u/Darthicc)\
**Post date:** [August 15, 2020, 2:12pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/15 "2020-08-15T14:12:34Z")

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Version 5.5.6 guess i have to wait until google decides to let me download the update

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**Author:** ![cmaranhao81](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/cmaranhao81/32/629_2.png) [@cmaranhao81](https://community.trading212.com/u/cmaranhao81)\
**Post date:** [August 15, 2020, 2:19pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/16 "2020-08-15T14:19:58Z")

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yes, me too. I am on 5.5.6, nothing to update on google store.

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**Author:** ![Richard.W](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@Richard.W](https://community.trading212.com/u/Richard.W)\
**Post date:** [August 15, 2020, 2:33pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/17 "2020-08-15T14:33:33Z")

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I made myself a beta tester for the app. Maybe that is why I have 5.5.7. Anyone can sign up as a beta tester.

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**Author:** ![Alpicone](https://avatars.discourse-cdn.com/v4/letter/a/e47c2d/32.png) [@Alpicone](https://community.trading212.com/u/Alpicone)\
**Post date:** [August 15, 2020, 2:38pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/18 "2020-08-15T14:38:21Z")

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The percentage for total gain excluding FX seems to be miscalculated for my investments with positive total returns but negative FX (see picture).

 ![Screenshot_20200815-163528](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/1/16b59f7bd419bd65820e0b19847ab10642a20112.jpeg)

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**Author:** ![Richard.W](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@Richard.W](https://community.trading212.com/u/Richard.W)\
**Post date:** [August 15, 2020, 4:02pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/19 "2020-08-15T16:02:33Z")

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How should these numbers be interpreted? Let’s look at an example.

Suppose share is $100 when fx rate is 0.80 so costs £80. Suppose later price is $120 and rate is 0.75, so value £90.

Increase in GBP terms is 12.5%. The stock price gain in USD terms is 20%. The currency loss is 0.75/.80, ie -6.125%

1.125 = 1.20 x 0.9375

The point is that the two effects are actually multiplicative, not additive. Most things in finance are multiplicative.

RETURN factor = Gain/loss factor x FX impact factor

But another way to look at it is that if the rate had not changed one would be up $20 or £16. But we are up only £10 meaning a currency loss of £6. As proportions of original investment of £80 these are RETURN 12.5%, FX effect -7.5% and gain/loss 20%. Now effects are seen as additive.

So we should interpret the figure gain/loss % as saying how much we would be up if fx rate had been constant. FX impact % shows how much of original investment has been gained or lost due to currency movement alone.

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**Author:** ![Richard.W](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@Richard.W](https://community.trading212.com/u/Richard.W)\
**Post date:** [August 15, 2020, 4:03pm UTC](https://community.trading212.com/t/investment-return-breakdown/16154/20 "2020-08-15T16:03:11Z")

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That is odd. Try logging out and then back in.

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