Understand my realized capital gain/loss

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The capital gain (or capital loss) is equal to the difference between the amount you have placed in your savings plans and the current value of your investments. It indicates the return on your savings at a given time , in other words what you could gain (or lose) if you sold your shares at their current value.

We then add up all the capital gains/losses of each of your investments.

How is the added value calculated?

Capital gain per fund = (Unit price of units – PMPA)

• The unit price corresponds to the value of a share held in a fund (net asset value) at a time T. This price fluctuates every day depending on the financial markets.

• The PMPA (Weighted Average Acquisition Price) corresponds to the weighted average of the different acquisition prices of all operations on the same fund (payment, arbitration, participation, profit-sharing, etc.)

Example: You purchased 10 shares of fund X whose unit purchase price is €100. Later, you buy 20 shares of this same fund at a unit purchase price of €120. The PMPA applied for your 30 shares is: [(10 x €100) + (20 x €120)] / 30 = €113.33

You decide to withdraw all of your savings corresponding to the 30 shares held in fund X. Let's say that the unit price of a share at the time of withdrawal is €118 .

Capital gain = (€118-€113) X 30 shares = €150

Over what period is it calculated? 📆

Generally speaking, the capital gain is calculated from the first day of investment (with Epsor or another service provider) and updated daily according to developments in the financial markets and the amount of your investments (payments).