About

Investor's Report Card began with a question Ray's son asked him: how are our investments really doing compared with the overall market? Ray, a retired Air Force engineer with a PhD, set out to answer it.

The brokerage statements couldn't. They listed balances and transactions, but they never showed the true return, and they gave no way to grade it against what the rest of the market was doing. Without that, there was no good way to judge the decisions being made with the family's money.

So, true to his engineering roots, Ray built the answer himself. He worked out a method to calculate the precise return on an account, deposits and withdrawals included, and turned it into reports. It started as a spreadsheet he called the Portfolio Tracker, used for his own accounts and those of his family. Before relying on it, he had mathematicians at the University of Illinois check his calculations to confirm they were exact. He then teamed up with a software engineer to turn the spreadsheet into a Windows program, so the rest of the family could track their own returns and print their own reports.

Ray has since passed away. His son and that same software engineer have brought his work online as Investor's Report Card, so anyone can know how their money is really doing, and whether the people managing it are earning their keep.

It is our Mission to provide you, the Individual Investor, with the most accurate and most “User-Friendly” Tool to be able to quickly and easily determine your Overall Investment Performance for “Any Desired Time Period” in terms of “Overall Return on Investment” (ROI). This ROI Result is then compared with the performance of the Index (or “Benchmark”) of your choice (Dow, S+P, Nasdaq, or Other Index) for the same period. This comparative information is Critical to allow you, the Individual Investor, to evaluate the Performance of your Money Manager, Stock Broker, or Any Investment vs. the Overall Stock Market or Index or “Benchmark” of your choice. The “INVESTORS REPORT CARD” will rate your Money Manager!

Our Software will calculate an “Annualized ROI” for any Time Period, from 1-day to many years! All Long-Term ROI Calculations are “Compounded Annually”, which is extremely powerful and intuitive. Our Software can factor in any number of deposits and/or withdrawals into the “ROI” Calculation with absolute precision. We also use “Time-Weighting” and “Value-Weighting” into the Overall “ROI” Calculation, which is generally not available to Individual Investors by Brokerage Institutions. You absolutely must have this Information to truly understand how your Investments are performing vs. The Market. We can do this for you. We make it easy!

Armed with this Powerful Performance Data you can make intelligent decisions about “Managing your Money” and “Getting Your Money’s Worth”! Nobody cares more about your Money than you do! Information equals Power!