Most trackers do not reinvest dividends, and that is where I think they fall short for hard core purposes.
I track my portfolio's in yahoo. I know I am down worst case 8% right now. I get about 2-5% back in dividends at end of year which boosts my returns (so what I see throughout year is worst case, then I get pleasently surprised in January when I do IRR calculation for previous year.
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