[12,000 / 10,000] - 1 = 0.20, or 20%

Bought mutual fund for $10,000

Got $1,000 in dividend and reinvested it

Sold the fund for $12,000

What is my ROI ?

(12-10)/10 = 20% Sale - Cost / Cost

Or (12-(10+1))/10 = 10% (Sale - (cost+div)) / Cost

Or (12-10)/(10+1)= 18% (sale - Cost) / (cost+div)

Or (12-(10+1))/(10+1) = 9% (sale - (cost+div)) / (cost+div)