Determine the value of the Dow Jones Industrial Average as of your date of birth and as of your most recent birthday. What was the annualized return on the average between the two dates? Since this return does not include dividend income, it understates the return. Assume that you collected dividends of 2 percent and compare the return on the Dow (including the dividends) with the historical return of 10.4 percent. Information on the Dow Jones averages and indexes may be found at www.djindexes.com.