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I just received my 401(k) statement today, and I am trying to analyze my returns.

I know the following three things:

1) The beginning balance.
2) The amount of contributions (which were made in 12 equal chunks over 6 months).
3) The total gains.

Can anyone suggest how I might figure the yield. The simplest thing that I could think of was take (start + contributions/2 + gains)/(start + contributions/2). But this feels a little too linear to me.

It's kind of embarrassing to be a math major and not know this. I can take triple integrals, but I can't figure out simple questions of compound interest.

Thanks for your help.

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