Personal rate of return is a person's own investment performance based on his or her own transaction history and resulting cash flows. The growth of your portfolio is based upon both the performance of your investments and the timing and amounts of your transactions. Therefore, your personal rate of return may differ significantly from the performance of the investments that make up your portfolio. This is because the performance of the investments held in your portfolio only includes the change in share price and any reinvested dividend and capital gains distributions, whereas you may have placed exchange transactions during the period. In addition, price or transaction corrections for previously declared values that were posted after the calculation date may not be reflected in the results. The growth of your portfolio should be monitored over an extended period of time. Also, keep in mind that your portfolio may perform differently in the future than in the past. Past performance cannot guarantee future results. Before making changes to your portfolio there are several other factors that should be considered, such as your investment objectives, your tolerance for risk, and your time horizon.