I’m curious, how does your brokerage calculate rate of return YTD? Does it include your YTD contributions or do they exclude your YTD contributions in the YTD return %?
I’m using Schwab, and they include the amount that I added to my investment accounts in 2021 as part of the gains or rate of return on investment for YTD. I find this extremely misleading. Is this a common practice? Anybody else using Schwab - am I just misunderstanding the analytics?