Strum data and metrics methodology
How Strum obtains data, values portfolios, and calculates return, P&L, and risk. This page describes general product rules, not personalized financial advice.
Sources and update frequency
Market prices and financial metrics come from Yahoo Finance and other external financial-data providers. Market-instrument quotes are displayed with a 5-minute delay. Ukrainian government bonds and other bond data are updated once a day. Users set and update the value of custom assets themselves.
Portfolio value and currency conversion
Current portfolio value combines positions valued at the latest available price with cash balances. Historical charts use prices and exchange rates available for the relevant date; internal conversion helps compare results across currencies. Results may differ because of the trading session, time zone, quote source, or conversion rate.
Average cost, P&L, and cash flows
Average cost is calculated from entered or imported transactions. Realized results arise after a sale; unrealized results reflect changes in the value of open positions. Accuracy depends on complete trades, deposits, withdrawals, dividends, fees, and taxes in the source data.
Returns: TWR, CAGR, and XIRR
TWR chains sub-period returns and reduces the effect of deposits and withdrawals. CAGR shows an equivalent annual growth rate for a sufficiently long period. XIRR is an annualized money-weighted return based on cash-flow amounts and exact dates; it is unavailable when data is insufficient or cash flows do not include both positive and negative values.
Risk and drawdown
Maximum drawdown is the largest decline from a prior peak to a subsequent low in the selected period. Volatility is calculated from changes in returns and annualized when enough observations are available. Past metrics do not guarantee future results.
Forecasts and limitations
Dividend forecasts, goals, and long-term scenarios are models based on selected assumptions. Actual prices, payments, taxes, inflation, and returns may differ. Before making a financial decision, verify data with a broker, issuer, or another primary source.
Methodology described by Oleksandr Yutysh, co-founder of Strum.
Updated July 29, 2026.