<prompt> Human: Hello, I hope you are all well.I was looking at my personal performance in Vanguard and noticed I only a 4.2 rate of return on all my accounts which Ive had since January 2014. I have 1.5 bonds, 65.6 US Stocks, 22.1 International Stocks, and 10.7 in a REIT index.I thought 4.2 return was pretty low for about over 2 years invested and noticed that International stocks were weighing me down. But I logged into Personal Capital and noticed they had my portfolio performance at 119.27? I only have my vanguard account linked to Personal Capital.Can anyone explain why the performance tracking is so different between both sites? What is my true returnsperformance?Please see my comparison screenshot and my cost basis below.Comparison: Cost basis: Thank you all for your time and have a great day.  <response>: If I had to guess, Id say that Vanguard is showing a true rate of return and Personal Capital is seeing contributions that you make as gains rather than contributions, possibly because it cant tell the difference. Again, just a guess. 