gamadrid wrote:
<<I just received my 401(k) statement today, and I am trying to analyze my returns>>

A standard financial formula for estimating the rate of return is:

i=2I/(A+B-I)

where:

A is the market value at the beginning of the period

B is the market value at the end of the period, and

I is the total investment return in dollars.

If the only external cashflows during the year were contributions of C then you can compute I with the following formula:

I=B-A-C

If, in addition to contributiosni n the amount of C there were disbursements in the amount of D you would compute I as:

I=B-A-C+D

Hope this helps.

rich