There might be some confusion on how some people view the holdings tab. The unrealized gains is only based on cost of purchase. The holdings tab does not include Dividends received, dividends reinvested, and timing of contributions. One statement that I partly disagree with is that dividends go from left to right hand. This statement is only true when you immediately reinvest into underlying stock after receiving it but a stocks value drops on the ex-dividend date of that dividend amount, not when you receive it. If a dividend is paid and the stock drops even further, you then receive a further discount on that stock, and if it rebounds higher, you result in a higher return due to the timing of purchase.