随手记专业版 for iPad vs VectX

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"How much have you actually earned? Your balance says +8%. Your real annualised return might be 12.3% — or 3.1%. VectX calculates XIRR, the method professionals use, so every deposit, withdrawal and dividend is weighted by the time it was invested. No account. No broker login. Your data stays on your device and in your own private iCloud. ◆ TRUE RETURN, NOT GUESSWORK · XIRR — money-weighted return for uneven cash flows · P&L — total invested, current value, unrealised gain or loss · Peak capital method — uses your historical highest net investment as the denominator, so heavy trading still gets a fair number · Zero-cost status detected automatically ◆ EVERY PORTFOLIO IN ONE PLACE · Independent portfolios for US stocks, mutual funds, crypto — whatever you hold · 13 card themes, compact and standard layouts · Categories, tags and filters, plus one-tap add from the card · Clone a transaction instead of retyping it ◆ BUILT FOR CROSS-BORDER INVESTING · 17 currencies with automatic rate sync and one-tap base currency switch · Analyse in the original currency or in your base currency · 12 date formats, 5 number formats, red-up/green-down or the reverse ◆ DEEP ANALYSIS · Interactive trend chart — tap any point for details · Monthly investment bars · Market value distribution, P&L ranking, tag distribution, trading frequency and risk insight ◆ TOOLS THAT ANSWER REAL QUESTIONS · Compound calculator with growth curves · XIRR playground — simulate cash flows and see the result instantly · FIRE calculator — how many years to financial independence ◆ AUTOMATION WITH APPLE SHORTCUTS · "VectX Add Transaction" by voice or on a schedule · "VectX Update Market Value" paired with a price source for automatic tracking ◆ PRIVACY FIRST · Data is stored locally by default · iCloud sync uses your own private container — we cannot read it · No third-party analytics SDK, no ad tracking, no data sold ◆ FREE AND PRO Free: 3 portfolios with all analytics and all calculators. PRO: unlimited portfolios, iCloud sync across devices, CSV import and export for backup and migration. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Download VectX and make every investment traceable."