[jIM_Ohio]

The same way I look at each account as a whole, you could break down each account the same way.

Use what I posted previously as a summary page. Then for each account:

list fund names across top. Have 3 sections- balance, deposits and return calculation.

Then each quarter add a row and input the quarterly numbers. Quarterly balance, quartery deposit and have this calculate quarterly return.

I would be careful about doing this- you will see the volatility early on (some investments will go up or down ~8% per quarter, even if yearly average return is 6 or 7%.

You might make decision after two quarters a fund licks rocks, when in reality the reason for it's high return year in and year out is because it is volatile.

I use the yearly returns of the mutual funds to decide if the fund is licking rocks or not. An analysis like this is better suited to see if the funds quarterly return and your quarterly return match (they might not).

If you are depositing into volatile funds (which move up and down 3% per day or 8-16% per quarter), it's possible the timing of your deposits is hurting your returns-
this is the data I would be looking for.

I would NOT drop a fund because my return calculations for the fund are bad. I would drop a fund if it is NOT returning as high as I expect that asset class to perform. Measured in 5 year and 10 year returns (quarterly returns do not matter if 10 year trend is upward).