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When tracking returns of your 401(k), should you count employer contributions as contributions into the account or as a gain? I can see arguments both ways. If I contribute $100 and my employer contributed $50, I have still invested only $100 though the account value is $150. However, doing it that way makes it near impossible to track the fund performance.

I happened to notice today that of my 401(k)'s value, 38% is my contributions, 29% is employer contributions, 8% was from a rollover, leaving the final 25% as investment gains. (Sounds sad, but this account was started in 2006, and we know what happened shortly after that). So that just got me thinking and led to the question above.
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