Ok. See I thought that, for example, VGSLX has a 3.64% dividend, that that was separate from the overall ~11% annual yield (since inception). But you're telling me the percentage they give in 1, 5, and 10 year yield INCLUDES the dividends/SEC yield?
Yes, the return numbers published are always total return numbers, so they include reinvested dividends and also the expense ratio (so you don't have to subtract that either).
What is your root goal in comparing these funds that led you to want to make these calculations?
You may have heard the phrase "past performance is not a guarantee of future results", and it's true. So simply assuming that future 20-year annual return of a fund will match it's since-inception return is not really a valid approach. For example, the current (well, really 03/31/2015) since-inception return of VGSLX is 12.16%. But if you had asked this same question a year ago, the since-inception return then would have been 10.97%. In your 20-year example that would result in a final-value difference of ~$82k, a huge difference that exists simply because you asked the same question at different times.
Also, you probably shouldn't pay any particular attention to dividends when comparing funds. While they're an important component in calculating a fund's total return, they don't
drive that return. It's total return that matters to the growth of your stash, and the particular method of that return (dividends vs. capital appreciation) is irrelevant (particularly inside an IRA, where there are no tax effects to be concerned with).
