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Peter,
Thanks for decoding my language and explaining the basics.

My online access to the account doesn't have any information going back to 1995 when DW first invested.

EXCEPT, under the performance tab. There, the current balance is broken down as:

EndBalance = BeginningBalance + Additions - Deductions + Income + MarketFluctuation

And there is a Glossary of terms below. I added up the cap gains and dividends from 1099-DIV back to 2000 and that total is very close to their Income number. In other words, I have paid taxes on that amount, right?



Beginning Value – The total dollar value of all accounts included in the analysis for the beginning date chosen.

Additions – Any transactions to move money into your account(s), such as the purchase of new shares or units, exchanges or transfers from any other accounts, and dividends invested in an account from another account. It does not include income or market fluctuation.

Deductions – Any transactions to move money out of your account(s), including redemptions, withdrawals, exchanges or transfers to other accounts, or checkwriting activity. Any applicable redemption fees are also included in the deduction amount. Proceeds from any income that is not reinvested in the same account (cash dividends paid to you and dividends invested into another account) are also reflected as a deduction. Also included is any money out of your account as a result of a fee or commission.

Income – Any proceeds (cash or reinvested dividends, short- and long-term capital gain distributions) earned in your account(s). Income that is not reinvested in the same account (cash dividends paid to you and dividends invested into another account) is reflected as a deduction.

Market Fluctuation – Any increase or decrease in the value of your account(s) over the period selected caused by the changes in the investments’ beginning and ending share or unit prices (net asset values). If all of your holdings are money market funds, there should be no change in value due to market fluctuation, although this is not guaranteed.

Ending Value – The total dollar value of all accounts included in the analysis for the ending date chosen.

Change in Value – The difference between the beginning value and the ending value for the specified time period.
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