Q. Total returns for stocks, bonds, and indexes?

​Total return = the capital appreciation (depreciation) and dividends/interest.  The formula becomes more complex if the dividends are reinvested in the security being analyzed as then the timing of dividend payments and intermediate prices become relevant.  

The formula : 

Return =(Ending value of asset +  Ending value of the issued and invested dividends/interest) / Beginning value. 

To annualize = Return^(1/years)