Yes, the little chart they show you has no history--it just extends back from the current data and the current algorithm. So what it shows you now as they value

Yes, the little chart they show you has no history--it just extends back from the current data and the current algorithm. So what it shows you now as they value five years ago is different from what it showed you five years ago. In that sense it does not function as actually tracking the market. Does it really need to? What do you really care about beyond what you originally paid and what you might sell it for if you have to?