<prompt> Human: Im looking over my Vanguard Mutual Fund portfolio and Im confused. I have a few different funds with Vanguard. Ive added to those funds slowly over the course of the past 8 years to make a total investment of 50,000. As of right now, Vanguard is saying my current balance is 71,589.46.Am I reading this right? Ive made 21,589.46 over the past 8 years? That almost seems too high. Vanguard also says my rate of return is 9.4. So, that doesnt add up either. If I calculate return 71,589.46 - 50,00050,000 x100 I get 43. So, I dont get how 9.4 is calculate yes, Ive read Vanguards explanation on how its calculated but Im still confused.  <response>: The growth percentage is most likely annual. So youd need to factor in 9.4 each year for the 8 years compounding. Most likely youre just looking at the growth for the last year. Since youve been adding to this over time it makes it even more difficult since its not just 50K growing 9.4 yoy for 8 years. 