The individual rate of return (or IRR) is a return number that includes the impact of the size and timing of your deposits and withdrawals. Since it includes the impact of your deposits and withdrawals, it may not reflect how well Betterment is managing your money. For that, you’ll want to refer to Time-Weighted Return (or TWR) which you can see in your “Portfolio returns.” Your Portfolio Returns (Time Weighted) Individual Rate of Return (Money-Weighted) Includes impact of portfolio returns   ...