Returns are not updated on weekends, public holidays, or non-trading days for the fund. The public holidays follow the calendar of the country where the fund is located. Learn more about your fund.
How to check how your money is performing
There are two ways you can check your Assets' performance:
1. On the app or web
This is the quickest way to check your Assets' performance. You'll see a summary of all your earnings since you opted for Stocks.
Go to your balance or Jar held as Stocks
Select Total returns
You'll see your:
gains graph — it reflects two types of gains — “realised” and “unrealised” gains. Learn more about them below.
fund performance graph — The relative performance of the fund in percentage across the period of time selected.
You can easily toggle between different time periods below the graph to see the data most relevant to you.
2. Standard and Accounting Statements
You can also check your earnings summary and get historical insights on your balance growth via standard and accounting statements.
Go to your balance or Jar held as Stocks
Select Statements and reports
Choose the type of statement you'd like to download.
Both statements will feature a line above the last transaction called Earnings since start.
It shows the gain or loss since you started using Stocks, compared to holding money as cash. It also compares the current value of your account using the latest fund price with the sum of all historical cash transactions.
The latest cash balance in your statement, below Earnings since start, represents what your account would look like if you had always kept it as cash. If the fund unit price has dropped since you invested, Earnings since start may show a negative amount.
To check earnings for a specific day:
Download a statement for the day before
Download another statement for the day you're interested in
The difference in the Earnings since start section between these two statements represents your earnings for that specific day
What are the different types of gains?
Your earnings number reflects two types of gains — realised and unrealised gains.
Realised gains are calculated from the units you have sold to send money, withdraw, or spend from Stocks. For each of these transactions, Wise sells some units to cover the respective amounts.
If the fund performance increases — fewer units would need to be sold. If the fund performance decreases — more units would need to be sold. The accumulation of these differences from the day you started investing to a given date is the realised gains up to that date.
Unrealised gains are calculated from the units you have remaining as Stocks. In other words, anything you haven’t withdrawn, sent, or spent yet. It looks at the difference between the price of the units on a particular day and the prices of those units on the day they were purchased. Unrealised gains can be positive or negative
How can I access my earnings?
We offer an Accumulating fund class – so any income from the underlying assets (e.g. cash dividends from a company in the fund) are reinvested by the fund manager back into the fund. When you withdraw or spend money from this Balance or Jar, or when you convert it back to Cash, your earnings will be realised.
If you buy units and their price goes up, your investment has grown. This means that a unit is worth more compared to when you bought it. It also means that you spend less units if you choose to sell at that price.
When you spend or send from your account, we sell the equivalent number of units. So, to access your earnings, you just need to spend your money. There’s no need to divest the balance or Jar held as Stocks.
How to read the fund performance graph for Stocks?
This performance graph tracks the relative change in the fund day after day. Our Stocks fund tracks the MSCI world index, so the changes you see here reflect the same relative changes to that index.
Learn more about the fund and MSCI world index
The past performance and future projections of the fund may show an upward trend. This projection does not guarantee a future growth.
But the performance of a balance or Jar held as Stocks will not always match the fund performance due to some factors that impact the investment, such as:
Moving money to and from the balance or Jar held as Stocks
The price of the unit when you buy or sell your full or partial investment
The exchange rate may also affect the performance of balances and Jars held in different currencies (ie not in EUR).