How do I continue??
Don’t overthink it. If ending year total (price appreciation + dividends, interests) index value is 1,000, over the year you returned -4.50%. So take 1 - .045 multiplied by 1,047 to give you your (albeit, poor) yearly return.
Don’t overthink it. If ending year total (price appreciation + dividends, interests) index value is 1,000, over the year you returned -4.50%. So take 1 - .045 multiplied by 1,047 to give you your (albeit, poor) yearly return.