Fidelity: Year-To-Date Change

[Tommy_Dolitte]

Is this value net of expenses? Mine for the year shows 11.2%.

[Dude]

If you are getting this number from your Fidelity 401k account then it is probably your "personal rate of return".* It is my understanding that this includes all activity in your account over the period, including expenses.* Think of it as the rate of return you earned on an imaginary savings account with all of the same investment/withdrawal activity.