To compute the total return from owning an investment, you also have to account for the share price appreciation to compute your capital gains.

OCBC’s share price has surged by 60.6% since December 2013 to close at S$16.80.

This means that your original investment would have grown to S$31,920.

If you add in the dividends received of S$9,857.20, you will end up with S$41,777.20.

Your total return from holding those OCBC shares stands at 110.2%, which is not too shabby from holding the bank for a decade.

This translates into an annual return of 7.7% over 10 years, which easily beats the prevailing core inflation rate of around 2% to 3%.

https://thesmartinvestor.com.sg/if-y...d-in-dividends