I use PP for tracking crowdlending also. I am watching the Performance Chart. I have a steady interest income every month for most sites, and the Performance just keeps growing. Will it just keep growing, if the interest keeps coming - and how should I interpret this - as opposed to XIRR?
Yes, it will continue to grow because it is not annualized. So, after twenty years of annually 10%, you will have a performance of 573%.
Where PP shows an IRR, on the other hand, it is always annualized.
Is there a way to make a performance graph annualized?
No. I’m not sure what that would be supposed to look like. Do you want a moving average?
Either a moving average or the XIRR movements from month to month? I think that would give a clear indication of the performance of interest income based deposit accounts.