Stock Market Thread

[WRXtranceformed]

So TSLA has been kicking ass as of late and I got nothing to show for it.

Lee's comment on a post about life insurance as investments got me looking at my annual rate of return. Here's mine for all my major investments, including both retirement and liquid assets. Rates 8-10% seem to be the conventional wisdom, but I don't know how hard you guys are managing your money in an effort to exceed that. Where are you at?

1 Year - 16.9%
3 Years - 10.9%
5 Years - 12.7%
10 Years - 8.5%

Putting the pure liquid assets aside because they fluctuate due to life stuff (ie savings/cash accounts, savings nest egg is recovered now that we are past all of the big home purchase expenses) here is what I dug up. The Merrill dashboard is really complex so I can't find the year specific breakouts, I will have to shoot Ben a note for those:

ML Bank Deposit Program - N/A (slush fund for CD ladder strategy funds and other random stuff IIRC that changes every purchase cycle)
ETFs - MGV: +21.14% Unrealized Gain/Loss, MGK: +34.14% Unrealized Gain/Loss, Combined: +26.51% Unrealized Gain/Loss
Mutual Funds: +19.94% Unrealized Gain/Loss, +56.73% Cumulative Investment Return
Indexed UL Policy: N/A (I hit the 5 year compounding mark last year so the cash value is starting to rise pretty quickly, but I probably won't see "gains" until 2021 when it hits the next mark and the compounding more than doubles, and then again in 2026)

Roth 401k through work/ADP is a little easier to pull it:

Quarter: +6.05%
One Year: +16.10%
Three Years: +5.35%
Five Years: +8.38%

It's pretty cool to see how close our short and long term gainz are on my 401k vs. your portfolio Chris. Without diving into it with the Weber-Wise team I am going to guess that the three year dip was due in part to the market fallout but also the weight that I had on natural resources funds during that time. We caught that and reallocated everything out of those asset classes in my 401k and it seems to have straightened the ship.

The only asset that is tough for me to gauge growth over time is the land ownership in VA. My brother and I are partial partners in the family farm at about 6.474% each. Land is really only worth what someone will pay for it at any given time but land in Loudoun County doesn't seem to have depreciated in the last 10 years. I am sure it will work out alright if my dad every decides its time to sell.