How much have you made in the stock market since 2020?

[Anonymous]

Such wild swings I’m curious.

[Anonymous]

How much have you made?

[Anonymous]

Turned $60k into $300k. I had no idea what I was doing in 2020-way into 2023. All is much clearer now as I learned a lot from my losses and wins.
I'm excited for my future.

[Anonymous]

Anonymous wrote:Turned $60k into $300k. I had no idea what I was doing in 2020-way into 2023. All is much clearer now as I learned a lot from my losses and wins.
I'm excited for my future.

Mostly short-term or long-term gains?

[Anonymous]

Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

[Anonymous]

Anonymous wrote:Such wild swings I’m curious.

Made or Change in Financial Net Worth (which includes savings, cash, bonds, large outflows such as car purchases private college tuition, etc.)?

Made = No idea
Change = 20.31%; Not a straight line.. Using Dec 2020 NW as the denominator,
Dec 2021 - Up 17%
Dec 2022 - Down 6.3%
Dec 2023 - Up 20.31%

[Anonymous]

Overall investment performance is about 10% annualized, but that's somewhat lowered by the fact we have about 30% in bonds and 10% in cash (DH retired early, I'm still working for another 10-15 years)--stock performance is higher but I haven't separated out those figures.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Turned $60k into $300k. I had no idea what I was doing in 2020-way into 2023. All is much clearer now as I learned a lot from my losses and wins.
I'm excited for my future.

Mostly short-term or long-term gains?

Half and half. I'm poor, so I don't really worry about taxes. I think I paid $900 last year or zero since I'm getting almost $4k back.

[Anonymous]

Our retirement plans have grown from $1.2M to $3.1M. Our taxable brokerage has grown from $40K to $371K. Our 529 plans have grown from $180K to $304K. Our HSA has grown from $117K to $261K. Taxes have been irrelevant for most of our accounts, so we’ve bought and sold countless ETFs and individual stocks in our tax-sheltered accounts to capitalize on all the fear-induced volatility. In our taxable brokerage, it’s been 50/50 short-term and long-term. We’ve cashed in on several short-term gains after doubling our money.

COVID has been the best thing to happen in the markets since the dot-com bust!! Best is that it’s not even over. Large-cap growth markets are so wildly overvalued right now that another 20% drop is inevitable. We have $2.5M in cash for the moment VUG drops to 250 per share. And then we’ll rake in another $1M in gains when it claws its way back to $350.

SO GLAD we converted our 401ks to Rollover IRAs in March 2020!!!! Allowed us to invest in so many more options to ride the volatility to massive success. Can’t wait to see where our NW stands when DH and I hit our 40s.

[Anonymous]

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

NP. I just posted in the 529 thread. We have Vanguard 529s that are split 50% total stock and 50% 500 index. We’ve never traded them, and have similar gains to our stock portfolio. We stopped investing in 2019 and haven’t ever changed the allocation, so I’m not sure why this is unbelievable.

[Anonymous]

8-9%

[Anonymous]

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

All 529s--we have three--are invested in Vanguard 500 Index Option. 1/1/20 balance was $290K and current balance is $491K. We made the decision to superfund in 2014/2015 and do not make monthly contributions. We also have access to one GI bill and will maximize the yellow ribbon program benefits. That's a 4 year ROI of 69.4% versus the previously market return of 72.9%. Not a troll.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

All 529s--we have three--are invested in Vanguard 500 Index Option. 1/1/20 balance was $290K and current balance is $491K. We made the decision to superfund in 2014/2015 and do not make monthly contributions. We also have access to one GI bill and will maximize the yellow ribbon program benefits. That's a 4 year ROI of 69.4% versus the previously market return of 72.9%. Not a troll.

Cool. So you’re both stupid and lucky? You superfunded a plan in 2014 which means you’ve had it for some named beneficiary for 10 years. This further suggests you’re investing currently with an 8-year time horizon and you’ve decided that going 100% all-in on equities with that short of a time horizon is the way to go. Especially when the market is greatly overvalued and prone to substantial dropping in the near-term…clueless. Your luck will run out within a matter of months.

Oh, BTW, thanks for providing your numbers and proving irrefutably that you’re spinning a story. Somehow you’re invested in a 529 index fund that has beaten the very index in question despite your paying of management fees.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

All 529s--we have three--are invested in Vanguard 500 Index Option. 1/1/20 balance was $290K and current balance is $491K. We made the decision to superfund in 2014/2015 and do not make monthly contributions. We also have access to one GI bill and will maximize the yellow ribbon program benefits. That's a 4 year ROI of 69.4% versus the previously market return of 72.9%. Not a troll.

Cool. So you’re both stupid and lucky? You superfunded a plan in 2014 which means you’ve had it for some named beneficiary for 10 years. This further suggests you’re investing currently with an 8-year time horizon and you’ve decided that going 100% all-in on equities with that short of a time horizon is the way to go. Especially when the market is greatly overvalued and prone to substantial dropping in the near-term…clueless. Your luck will run out within a matter of months.

Oh, BTW, thanks for providing your numbers and proving irrefutably that you’re spinning a story. Somehow you’re invested in a 529 index fund that has beaten the very index in question despite your paying of management fees.

So rude. Fùck yøu.