diff --git a/build.zig.zon b/build.zig.zon
index 3c55c81..52d9932 100644
--- a/build.zig.zon
+++ b/build.zig.zon
@@ -14,8 +14,8 @@
             .hash = "httpz-0.0.0-PNVzrBtMBwAPcQx3mNEgat3Xbsynw-eIC9SmOX5M9XtP",
         },
         .zfin = .{
-            .url = "git+https://git.lerch.org/lobo/zfin#913996072ee06c81121f50657e325ce8a56856e6",
-            .hash = "zfin-0.0.0-J-B21paODADTI5LGofs453BW06vDDK9UZl1LapWa-8eb",
+            .url = "git+https://git.lerch.org/lobo/zfin#5052492ffd49ebdc11b209da1b86bbaf7d365e5e",
+            .hash = "zfin-0.0.0-J-B21ryaDACsjkyET8s_NhF0W745-Qoc_fj9VM8Z-Ngx",
         },
     },
 }
diff --git a/src/main.zig b/src/main.zig
index 857ba4d..4a0eeb9 100644
--- a/src/main.zig
+++ b/src/main.zig
@@ -174,8 +174,9 @@ fn handleReturns(app: *App, req: *httpz.Request, res: *httpz.Response) !void {
     const vol_best = v10y orelse v5y orelse v3y orelse v1y;
     const vol_term: ?u8 = if (v10y != null) 10 else if (v5y != null) 5 else if (v3y != null) 3 else if (v1y != null) 1 else null;
 
-    // Total returns with dividend reinvestment (non-fatal if dividends unavailable).
-    // trailing* fields use total return when available, falling back to price-only.
+    // Total returns: adj_close is the primary source (accounts for splits + dividends).
+    // Dividend-reinvestment is only used as fallback when adj_close returns null
+    // (e.g. candle history too short for stable-NAV funds like money markets).
     var t1y: ?f64 = p1y;
     var t3y: ?f64 = p3y;
     var t5y: ?f64 = p5y;
@@ -184,18 +185,18 @@ fn handleReturns(app: *App, req: *httpz.Request, res: *httpz.Response) !void {
     if (app.svc.getDividends(symbol)) |div_result| {
         defer zfin.Dividend.freeSlice(app.allocator, div_result.data);
         const total = zfin.performance.trailingReturnsWithDividends(candles, div_result.data);
-        if (total.one_year) |r| {
+        if (t1y == null) if (total.one_year) |r| {
             t1y = r.annualized_return;
-        }
-        if (total.three_year) |r| {
+        };
+        if (t3y == null) if (total.three_year) |r| {
             t3y = r.annualized_return;
-        }
-        if (total.five_year) |r| {
+        };
+        if (t5y == null) if (total.five_year) |r| {
             t5y = r.annualized_return;
-        }
-        if (total.ten_year) |r| {
+        };
+        if (t10y == null) if (total.ten_year) |r| {
             t10y = r.annualized_return;
-        }
+        };
     } else |_| {}
 
     // Check if XML requested