For me, XIRR results in a more +ve return than my own non-standard way of computing returns. I have decided to continue to use my own approach as it's more conservative...

Luck & Fortune Favours those who are Prepared & Decisive when Opportunity Knocks
------------ 知己知彼 ,百战不殆 ;不知彼 ,不知己 ,每战必殆 ------------
------------ 知己知彼 ,百战不殆 ;不知彼 ,不知己 ,每战必殆 ------------