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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 per-paycheck match. Otherwise I have to wait until april of the next year to get the match true-up, and only get the true-up if I am still with the employer as of 12/31 .

What formula would you use to compute the return ?
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