get_performance

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How the signed-in user's portfolio has actually done — an annualized **money-weighted** return (XIRR) in their preferred currency, including dividends received and any sales, next to what the same money moved on the same days would have made in broad index funds. Money-weighted, not time-weighted: it counts *when* each amount went in, so money invested before a good year earns more of the credit than money added at the end. Every flow is converted at the exchange rate published on its own date, so currency movement is part of the answer — unlike `get_realized`, which deliberately never converts because it measures a position rather than a portfolio. `status` says whether a number was produced: * `"ok"` — `rate_pct` and the comparison are present. * `"insufficient_ledger"` — no holding has any trades behind it, so there is nothing to measure a return on. Ask the user to import their broker's trades. * `"awaiting_rates"` — historical exchange rates for the years the ledger spans are still being fetched; they arrive shortly. **`coverage` matters when reporting this.** Holdings whose shares were typed in by hand have no purchase behind them, so they are excluded from both the flows and the value: the rate describes only the part with trade history, and `coverage.value_pct` says how much of the portfolio that is. Say so rather than presenting the figure as the whole portfolio's. Benchmarks are accumulating funds, whose price already includes reinvested dividends, so both sides are total return. They are priced monthly, so treat the comparison as a direction rather than a decimal. Private to the caller.