I've looked at the XIRR() command. The problem with this is that I don't
have a negative beginning balance - I'm simply accumulating a single premium
and an annuity using the same interest year per year, however the interest
rate can be different each year - and trying to show a year-end effective
yield rate.

"Brad" wrote:

How can I build a function that will calculate an effective yield rate given
that an individual can put in a lump sum at issue, have a different premium
contribution between year 1 and renewal year?