What is total return on a stock investment?

Total return includes both capital gain (the increase in share price) and any dividends received during the holding period. It gives a more complete picture of investment performance than price appreciation alone.

What is annualised return and why does it matter?

Annualised return (CAGR) converts your total return into a per-year equivalent, making it easy to compare investments held for different lengths of time. A 50% total return over 5 years is very different from the same return over 1 year.

Are brokerage fees included in the calculation?

Yes. The calculator deducts buy-side and sell-side brokerage fees from your profit, giving you a more realistic net return figure. On NGX trades you should also account for SEC fees, CSCS fees, stamp duty, and VAT — use our NGX Brokerage Calculator for a precise breakdown.

Does this account for taxes such as withholding tax?

This calculator shows pre-tax returns. In Nigeria a 10% withholding tax is typically deducted at source on dividend income. Capital gains tax treatment may vary; consult a tax adviser for your specific situation.

What does a negative return mean?

A negative return means you sold the shares for less than you paid (a capital loss), and any dividends received were not enough to offset that loss. The annualised return will also be negative in this case.

What is total return on a stock investment?

Total return includes both capital gain (the increase in share price) and any dividends received during the holding period. It gives a more complete picture of investment performance than price appreciation alone.

What is annualised return and why does it matter?

Annualised return (CAGR) converts your total return into a per-year equivalent, making it easy to compare investments held for different lengths of time. A 50% total return over 5 years is very different from the same return over 1 year.

Are brokerage fees included in the calculation?

Yes. The calculator deducts buy-side and sell-side brokerage fees from your profit, giving you a more realistic net return figure. On NGX trades you should also account for SEC fees, CSCS fees, stamp duty, and VAT — use our NGX Brokerage Calculator for a precise breakdown.

Does this account for taxes such as withholding tax?

This calculator shows pre-tax returns. In Nigeria a 10% withholding tax is typically deducted at source on dividend income. Capital gains tax treatment may vary; consult a tax adviser for your specific situation.

What does a negative return mean?

A negative return means you sold the shares for less than you paid (a capital loss), and any dividends received were not enough to offset that loss. The annualised return will also be negative in this case.

Stocks & Shares Calculator

Estimate your capital gain, dividend income, and annualised return on any stock investment. Figures are illustrative only.

Number of Shares

1100,000

Buy Price per Share

₦

1005,000,000

Sell Price per Share

₦

1005,000,000

Total Dividends Received

₦

010,000,000

Brokerage Fee (each way)

Holding Period

years

0.2530

Net Profit / Loss

₦3,760,000

Estimated Results

Total Cost (inc. buy fee)

₦10,100,000

Capital Gain / Loss

₦4,000,000

Dividends Received

₦0

Total Fees

₦-240,000

Total Return

37.23%

Annualised Return (CAGR)

11.13%

An illustration using the figures you entered, for education only — not financial, investment or tax advice. Real returns depend on prices, fees and tax at the time.

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