<prompt> Human: Hello PF,I just downloaded an app for ING direct retire for my 401k. I was just wondering if the number for my personal rate of return that the app gives me includes my contributionsloan repayments. It says my Personal Rate of Return YTD is 24.69 as of 619. This number has to include both of those numbers, correct?  <response>: This number has to include both of those numbers, correct?Yes, unfortunately it includes both contributions and earnings. 