A return is the amount of money earned or lost on an investment. For example, if you start the year by investing $100, which then grows to $110 by the end of the year, you have made a 10% return on your investment.

**What is my account summary return?**

On Sarwa Trade we calculate your simple return on an account level. Simple returns are earnings in your portfolio divided by net deposits.

- Simple Return = Earnings ÷ Net Deposits
- Net Deposits = Deposits – Withdrawals

*Note: In a case where you have earned a positive return and then withdrawn funds, your simple return will be impacted.*

**For Example**: If you have deposited $100 into your account and made $10 in returns (i.e., your total account balance is of 110$) your simple return will be 10%. Here is why:

- Net Deposits = $100
- Earnings = Account Balance - Net Deposits = $110 - $100 = 10$
- Simple Return = Earnings ÷ Net Deposits= 10 ÷ 100 = 10%

Now assume you have **withdrawn $30** from your account, bringing your account value to $80. Your simple return is now ~14.3%. Here is why:

- Net Deposits = Deposits - Withdrawals = $100 - $30 = $70
- Earnings = Account Balance - Net Deposits = $80 - $70 = $10
- Simple Return = Earnings ÷ Net Deposits = 10/70 = ~14.3%