ROI-Rechner

A good ROI depends on the investment type and risk. Stock market average is 10% annually. Real estate typically returns 8-12%. A 15%+ annual return is excellent. Riskier investments should offer higher potential returns to compensate for increased risk.

ROI is total return regardless of time. Annualized return converts total ROI to a yearly rate for comparison. A 50% ROI over 5 years equals about 8.4% annualized. Annualized returns help compare investments held for different periods.

Subtract all costs from your final value before calculating. If you invested $10,000, paid $500 in fees, and have $13,000 now: ($13,000 - $10,000 - $500) / $10,000 = 25% true ROI. Always account for fees, commissions, and taxes.

Yes, negative ROI means you lost money. If $10,000 investment is now worth $8,000: ($8,000 - $10,000) / $10,000 = -20% ROI. Negative returns happen during market downturns or poor investment choices. Long-term investing reduces negative return risk.

Convert all returns to annualized percentages for fair comparison. Also consider risk level, liquidity, and time horizon. A 6% guaranteed CD return may be preferable to a potential 10% stock return for some investors.