I know there are some people interested in investing here so I figured I would ask. 18.11% for me - weighed down by investments in international index funds. (One decade they'll outperform the US right? Right? )
Ever year for the last decade has been the year international is going to outperform and it hasn't yet. I have been rebalancing every year to stay about 33% in international so I never get returns like the S&P 500 does. History tells us that everything reverts to the mean eventually and international will meet the US so I keep waiting.
I'm in SPY only as well, no restrictions. 2020 saw me paying way more in taxes, only because I did a sell/buy, because I feared a sell off due to the madness approaching the general election. That turned out to be a mirage, and I had to pay short term capital gains. I think maybe 2021 was better than 2020 for the S&P500. I dumped some shares before Dec. was done, I think it allows me to reap some without being taxed. I bought some back this month with that money, but that will be short term until Dec. 2022.Pure S&P500 in all my retirement accounts so like 27% in there or whatever it did last year. I’m 32 and can’t touch those for 27 years so I just chase easy returns.
SPY + my fiancées company stock in our after tax accounts, the latter of which did ~100%. Of course it’s tanked with the rest of tech this year so we’re barely beating SPY in those now over the last 13 months.
I used to keep 20% in International, but now it's down to just 17% simply because my domestic stocks keep outperforming it by a huge margin. I'm not putting more money in... all the big S&P 500 companies are multinational anyway.
Are you really asking about 2020, or 2021?
A common refrain that has been wrong for a while now. I mean I still hold international because it might come to pass one day but the world keeps coming up with new reasons why it won't this year* (Insert every year since - 1998? Didn't find it in a 5 second google search but tis been a while)It may be time to increase international. The out-performance of the US can't last forever.
We have 9 accounts (4 from my work alone due to how they do their 4xxY accounts) so I created a spreadsheet that automatically pulls in the prices. So all I need to do change the number of shares we own every so often which takes ~10min every time I do it. At the end of every year I input the YTD returns manually (that used to automatic but something in google sheets broke) and a formula calculates the overall ROI. It also tells me my asset allocation %. I think the initial setup was ~2 hours of work but almost no real effort since then. I have slowly added things over time though. I started recording snapshots of account balances Dec 31st in 2018 and then added a chart to show progression over time. Then I started copying the end of the year info into a new tab so I can see my ROI per asset class per year. Recently I added a rough 'spending' tracker tab which will get more detailed the closer we get to retirement. I also added retirement healthcare, retirement account withdrawal rules, pension guestimates for my wife and SS projections (At full promised benefits and at 65% of promised benefits).Since I have another 25 years to work, I really haven't aggregated all of my investments together to figure it out. Sometimes I feel like a dog that has all his bones buried across the back yard. I know it's all there, but would have to find it all to even know what's what.
For my main investment account, I've stayed with the S&P 500 and small-cap index for a number of years. 2021 was a good year at ~27-28% return. I have some crypto holdings that hit almost 500% for the year but have since taken a steep dive.
I don't do FAUX, but the Duck displays some of their headlines.....Yeah, I decided around April of 2021 that a small amount of my portfolio should be in crypto and crypto stocks, just in case the fanboys are right about it going up 10X over the next 5 years. So, yeah... I bought high and got my ass kicked. I'm probably break-even at this point.