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Without looking at your specific numbers, this is why you would see a lower personal rate of return than the fund. Note, this will ALWAYS be the case when you are dollar cost averaging in and when you compare YTD numbers and your personal numbers - unless the fund goes straight down and never up - then your PROR would actually be better that the fund performance.

Notice that at the beginning of the year the price increased. Come May and the price went down. This means that everything you bought after 1/1 through the first peak of the year, was bought at a price higher than the YTD starting point.

This means that for 5/12s of the year, you bought at a higher price than the YTD number.

Even when the fund bottomed out in July, the bottom was still higher than the price on 1/1. You continued to buy (dollar cost average in) as the fund bounced back and then finished up nicely for a good YTD number - but all of your purchases through the rest of the year were again at a price higher than 1/1.

All this doesn't mean that you did lousy. Quite the contrary. You simply bought more shares over the summer than you are buying now, and the shares you bought in April and May did not recover in price until September.

Your average price is probably pretty good and much better than the 1% PROR indicates.
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