Investing

Found a reasonable article on calculating basis, but a couple of points are unclear.

 

  1. Where the article states add all nondeductible contributions together, is it for 2021 only or since inception (2020). 100% of contributions were nondeductible (after tax money) and my annuity income in 2021 was over the contribution deductible limit anyway.
  2. Where there was 2021 income posted (short term gain) and reinvested, how is that treated?

Thanks.