I wasn’t sure how to extract my contributions to get the real rate of return accurately. I took the current value, subtracted my contributions, and compared it to the value 12/31.
With that method my 401k made about 2.5%. If you start in Feb, it’s a lot better…January sucked.
My rolled IRAs did better – about 5.5% YTD.
I used the same method at the 401k for calculating 529’s… subtracted out contributions to date, then figured the gain. Not the most accurate since contributions had gain since they were added. 529’s returned 4%
