# FAQ

## Data & coverage

**Which funds are covered?**
Roughly 32,000 US-listed mutual funds and ETFs. See [Coverage](/coverage).

**Do you cover non-US funds, stocks, or bonds?**
No — US mutual funds and ETFs only. No individual equities, bonds, or non-US funds.

**How far back does history go?**
To each fund's inception. `min_return_date` on the fund tells you its earliest date, and
`return_earliest_available` is its since-inception return.

**Are delisted funds included?**
Yes. The dataset is survivorship-bias-free — closed funds keep their full history and are flagged
`is_inactive`.

## Methodology

**Are returns net of fees?**
They're **total returns** from adjusted closing prices (splits + dividends reinvested). For funds,
the published NAV/price already reflects the fund's expense ratio, so returns are effectively net
of fund fees — but they don't model your own transaction costs or taxes.

**Are returns percentages or decimals?**
Decimal fractions: `0.0523` = +5.23%. Multiply by 100 to display. Up to 6 decimal places.

**How is a multi-year return calculated?**
Periods under 2 years are cumulative; 2 years and longer are annualized (CAGR). Full formulas in
[Methodology](/methodology).

**Do you offer intraday or real-time data?**
No — end-of-day only.

**What does `as_of` do on a weekend or holiday?**
It snaps back to the nearest prior trading day; the response's `as_of_date` shows the day actually
used.

## Freshness

**How often is data updated?**
Incremental updates five days a week, full rebuilds Wednesday and Saturday. See
[Freshness](/freshness).

## Limits & keys

**What are the rate limits?**
A per-minute burst and a monthly quota, both by plan (Free 250/mo → Business 10,000/mo). See
[Errors & rate limits](/errors).

**Can I fetch many funds at once?**
Yes — the `/batch` endpoints take up to 100 codes and count as one request. Batch and cache to stay
well under quota.

## Licensing

**Can I store and cache the data?**
Yes, on every plan. See [Licensing](/licensing).

**Can I show the data to my own end users, or redistribute it?**
Both require the **Business plan** or the [Snowflake Marketplace dataset](/api-vs-snowflake).
Internal use — building apps, analysis, and research for your own organization — is fine on any
plan; surfacing the returns to people outside your organization is the part that needs Business.
See [Licensing](/licensing).

## Support

Have a question this page doesn't answer, or a licensing edge case to confirm? Email
[contact@fruitstand.dev](mailto:contact@fruitstand.dev) or reach out through
[fruitstand.dev](https://fruitstand.dev) and we'll help.