^ Nice work Andrew. That'll be the All Ordinaries Accumulation Index, so yes, it includes dividends, but not franking credits. However, it also includes a number of unrealistic and optimistic assumptions. These include zero brokerage both buying and selling, zero administration and compliance costs, so call it about even.

PS: I have an HP 12c too! Also a later model, possibly a 41c. Alas, I haven't used them for ages. These days I prefer Quattro Pro.