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Subject: Re: Poll: Did your 401k recover from the 2008 de  Date: 12/27/2010 6:12 PM  
Author: madbrain  Number: 67963 of 81338  
JAFO31, The formula I use to calculate my rate of return in my spreadsheet is as follows : =100*(annual market value change/(starting balance +(personal contributions+employer match)/2)) This is the way I account for the fact that the contributions are made throughout the year  I count the return on half the contributions. It may not be very conventional or accurate. But I think it's good enough for me because I actually try to spread the contributions continue all the way to the last few payrolls of the year to maximize the perpaycheck match. Otherwise I have to wait until april of the next year to get the match trueup, and only get the trueup if I am still with the employer as of 12/31 . What formula would you use to compute the return ? 

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