<prompt> Human: Hi all, Im doing some year-end data collection and have a super simple question for you all.When I look at my general, non-specific Roth IRA account it says the fund has gone up about 17 this calendar year. Yet when I look at my personalized rate of return for the same fund it says it has gone up about 10 for the year. Why the discrepancy?  <response>: It has to do with the timing and prices when you made transactions. Your purchases during the year were at relative highs or your sales were at relative lows. Vanguard has a short video about personal rate of return, on this page. 