{
    "id": "PRT-018",
    "category": "PRT",
    "title": "個人資金加權回報",
    "question": "考慮我真正存入提取的時間，資金實際賺了多少？",
    "chart": "multi",
    "metric": "年化 XIRR（%）",
    "secondary": "TWR 與 XIRR 差（百分點）",
    "x": "外部現金流日期",
    "y": "年化 XIRR（%）",
    "panels": [
        "資金加權回報",
        "現金流時序",
        "與 TWR 對照"
    ],
    "filters": [
        "投資帳戶",
        "分析期間",
        "記帳幣別"
    ],
    "apis": [
        "EOD",
        "FX",
        "USER"
    ],
    "calculation": "以每筆有日期的外部現金流及期末淨值求 Σ CFt/(1+r)^(dt/365)=0，另列 TWR。",
    "caveat": "需要用戶的持倉／交易／現金流或情境設定；EODHD 不提供券商帳戶。現金流符號多次反轉可能出現多重或無解；年期很短的年化值需突出期間。",
    "data_class": "用戶資料",
    "complexity": "高",
    "audience": "進階",
    "reach": 9,
    "frequency": 9,
    "decision": 9,
    "clarity": 8,
    "sample_labels": [
        "首次投入",
        "加資",
        "提取",
        "期末價值"
    ],
    "cadence": "每日收市及用戶交易更新後",
    "sample_note": "僅用於合成視覺示意，並非真實行情或投資成果。",
    "category_name": "投資組合",
    "score": 89.0,
    "requires_user_input": true,
    "requires_extra_plan": false,
    "source_urls": [
        "https://eodhd.com/financial-apis/api-for-historical-data-and-volumes",
        "https://eodhd.com/financial-apis/list-supported-forex-currencies"
    ],
    "rank": 123,
    "stage": "P1",
    "svg_file": "mockups/0123-PRT-018.svg",
    "demo_fingerprint": "16660c04ef5ecdc7",
    "collection": "catalogue",
    "sample_annotation": {
        "sample": true,
        "as_of": "2026-10-16",
        "notice": "Charts and tables for this report are generated, deterministic synthetic sample observations for educational layout and unit demonstration only. No provider, market data or analysis engine is called, and nothing here is a statement about real securities.",
        "notice_zh": "此報告的圖表與數據為確定性生成的合成示例數據，僅供教育及版面展示；並無連接任何資料供應商或實際分析引擎，不代表任何真實證券的表現。",
        "default_filters": {
            "symbol": "0700.HK",
            "period": "1Y",
            "benchmark": "HSI"
        },
        "filters": {
            "symbol": [
                "0700.HK",
                "0005.HK",
                "AAPL.US",
                "MSFT.US",
                "SPY.US",
                "BTC-USD.CC"
            ],
            "period": [
                "1Y",
                "3Y",
                "5Y"
            ],
            "benchmark": [
                "HSI",
                "SPX",
                "BTC"
            ]
        },
        "library": {
            "version": "2026-10-19",
            "source": "https://chatgpt.com/share/6ad67223-c610-83e8-adb2-33aaf792e584",
            "sample": true
        }
    }
}