0 1 0 ▁an ▁academic ▁paper ▁highlight ed ▁this ▁issue ▁found ▁with ▁most ▁web ▁charts ▁in ▁the ▁' compare ' ▁mode , ▁and ▁was ▁published ▁in ▁the ▁Journal ▁of ▁Be havior al ▁Fin ance . ▁The ▁dis cre p ancy ▁between ▁total ▁return ▁charts ▁and ▁" price ▁only " ▁charts ▁was ▁later ▁brought ▁out ▁in ▁the ▁Wall ▁Street ▁Journal . ▁ ▁Stock ▁and ▁bond ▁funds ▁provide ▁annual ▁Total ▁Return ▁values ▁summar izing ▁the ▁last ▁ten ▁years ▁of ▁operation . ▁Total ▁Return ▁assumes ▁that ▁divid ends ▁and ▁interest ▁are ▁re inv ested ▁in ▁the ▁funds . ▁ ▁A ▁reason ably ▁accurate ▁equation ▁for ▁the ▁percent ▁Total ▁Return ▁in ▁a ▁year ▁of ▁any ▁security ▁is ▁the ▁sum ▁of ▁the ▁percent ▁gain ▁( or ▁loss , ▁a ▁negative ▁percent ) ▁over ▁the ▁year ▁in ▁the ▁security ▁value , ▁plus ▁the ▁annual ▁divid end ▁yield ▁expressed ▁as ▁a ▁percent ▁( 1 0 0 ▁× ▁annual ▁divid ends ▁divided ▁by ▁the ▁security ▁price ▁at ▁the ▁beginning ▁of ▁the ▁year ). ▁This ▁slightly ▁under states ▁the ▁Total ▁Return ▁because ▁it ▁ign ores ▁the ▁rein vest ment ▁of ▁divid ends , ▁as ▁soon ▁as ▁they ▁are ▁paid , ▁for ▁purch asing ▁more ▁of ▁the ▁security . ▁Professor ▁P ank aj ▁Agr raw al ▁produced ▁the ▁Return F inder ▁App ▁to ▁rect ify ▁the ▁issue ▁created ▁by ▁these ▁web - charts , ▁the ▁App ' s ▁algorithm ▁includes ▁divid ends ▁and ▁bond ▁income ▁in ▁the ▁total ▁return ▁calculations . ▁The ▁problem ▁can ▁lead ▁to ▁the ▁per n icious ▁in version ▁of