[WSSix]

Thanks for putting my gains into perspective, Greg. I like the percentages I'm earning, but I also like to make sure I'm not losing out some how.

I'll have to dig to see what my funds are invested in. Both are target retirement funds so there's some blending but I'm not sure of specifics off the top of my head.

I did my calculations as follows:

The Div gains are simply the percent difference between the total cost and what I paid out of pocket.

Capital gains are the percent difference between total cost and current value.

Total gains are percent difference between current value and what I paid out of pocket.

I know both Fidelity and Vanguard are only calculating the capital gains when I look at the individual stocks. How they are calculating the mutual funds, I don't know.

Even though I am reinvesting the dividends and I understand why they consider it a cost, I like to know what all my money has earned. My total gain matters most to me since it is everything that's been earned with the money I took out of pocket.