Thanks for the response JAFO. I understand what you're saying about the time the capital was invested effecting the return. Unfortunately, accounts like my 401K, have contributions going in so often that I'm not sure if the difficulty of calculating a more exact return based on how much capital was invested over any period of time would really be worth the effort. I usually use my bonus $ to fund my other accounts in December, so there it would make a difference (and probably a relevant one) because I'm including those dollars as my 'cost' at year-end, when actually they've only been invested a few days!
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