What is the way to calculate the annual return of my mutual fund investment? At any moment I can see the current market value of my investment, but this number comprises 3 things: market fluctuation, new money of mine coming in, and re-invested dividend.
More philosophically, should I care about this annual return rate? If not, what should I care about to estimate the trajectory of my long-term net worth?
EDIT: I'm using Vanguard mutual fund, in case Vanguard produces these numbers for my convenience.