### Comment:
Hey I noticed you left out the '-' thought I would correct you. Cheers.

### REPLY:
If you didn’t put any more money into your account your “yoy” would be 6%. Someone correct me if I’m wrong.  
  
 Using $1000 for simplicity 
  
 First year -20% =$800 (-200) 
 Second year +40% =1120 (+320) / 2 years = 6% yoy

### END.