How Were Your Investment Returns in 2015?

[Gilberto de Piento]

Mine were not so good. That's ok though, I'm in it for the long haul.

VTSMX 0.31% http://performance.morningstar.com/fund ... ture=en-US
VFFVX -2.83% http://performance.morningstar.com/fund ... ture=en-US
Pension fund about -1%

I know this is not the most scientific way to think about this but I wanted to look at it anyway.

[JamesR]

Terrible. Just holding tens of thousands of canadian dollars! Man, I should've been investing

[JL13]

CAGR of negative 7.33%. I added $55,000 during the year. I've been sleeping soundly

[cmonkey]

In terms of my single best and single worst investments, SBRA was my worst at about -43%. MSFT was the best at about +32%. BBL has quickly turned into my worst for this year at about -47% now. All in HSA.

Overall I think I was about +3% for stocks. LC was +14%.

[enigmaT120]

My net worth went down, so my returns were negative for the year.

[Gilberto de Piento]

Another way to think about it (I didn't come up with this): if you think that the fundamentals of the industries that these stocks represent are good then they are just on sale right now.

[JL13]

@Gilberto

Yes that's right, but I don't have any cash left to invest

As long as your coworkers are walking in with Starbucks lattes, then your SBUX is doing just fine.

[Dragline]

Pretty flat overall. Best performer was PCL (a REIT) and worst was IBM. But p2p lending (LC) was steady at 9% and the cash accumulates daily, which is pleasing to watch.

I believe the technical term for this kind of performance is "Meh".

[IlliniDave]

Roughly speaking, down about 2.75%. Too much overseas exposure did me in. Of course they are down more in the first two weeks of 2016.

[Slevin]

My stocks, a little bit miserable. -5% or so. A little bit discouraging due to it being my first year investing. Hopefully it will get better this year (at something like -7% right now ).

On the other hand, my other personal investments return has been phenomenal, somewhere between +50% and +75% due to some lucky opportunities in the automotive market and being offered deals I couldn't refuse.

So overall I have to be pretty happy with my luck in 2015.

[Tyler9000]

My investments were down less than 3% for the year, and currently stand pretty much even from when I retired last year. Not bad at all, especially for a down year. I have no complaints.

[slsdly]

Down overall a few points. The significant decline in Canadian investments was offset by the fact I don't use currency hedging for my international exposure. The USD/CAD ratio carried the day on that front.

[George the original one]

"Meh"

With terrible oil returns, I scrambled to readjust throughout 2015 and closed out at +2.3%. Sitting on about 20% cash.

S&P500 index was -0.7% and yield of 2.2%.

[thrifty++]

Great question.
Mine were disastrous. My stocks funds overall are around a 10% capital loss since inception. Unfortunately I started investing for the first time ever in June this year. Just before everything started turning to shit. At a peak price. Sigh. Oh well I expect recovery in the long run. I have lots of stash just in interest bearing deposits and accounts so my return overall is probably still positive. Not sure exactly how much though.

[Hankaroundtheworld]

Reasonable:
* Real-estate investment: 6% yield (quite stable the last 7 years)
* Mutual funds stock: 4.5% (worldwide coverage has helped)
* Cash, 1.7% (because of CD's)
So, overall, around 4%. My goal is 5-6% annually on average (measured over longer period)

2016 is going to be more shaky, I am afraid, but that might lead to buying moments (using the Cash I have kept)

[jennypenny]

I did ok in 2015. I had some big wins and some big losses. I'm getting better at hedging. I keep the bulk of our money in Wellington (flat) and PIMCO's Income Fund (+2%) and they keep us afloat.

2016 ... not so much.

[Chad]

I'm down roughly 8%. I started getting in to energy too early. Also, started focusing on emerging markets a lot and they are still down or dead in the water. All of this was a known possibility, as I take more risk than most, and I'm happy to hold all of these for the long run. I will definitely be adding to these positions this year.

[Carlos]

Quicken says I'm up 1.17% for the year which seems about right I guess. Essentially a flat year.

One thing I don't understand is that Quicken shows my discretionary trading account as up 4.85% while Fidelity (where I keep it) tells me the return is 2.76%.

1.1% 401K (holds IVV and AGG)
-0.3% After tax (VTSAX Total Stock Mkt, VFWAX Total Int'l, VGSLX REIT Fund)
2.76% After tax trading account (blue-chip dividend stocks plus a muni-bond fund and S&P fund)

[cmonkey]

But p2p lending (LC) was steady at 9% and the cash accumulates daily, which is pleasing to watch.

Isn't it though? I log in each day just to look and really enjoy seeing it accumulate. I don't know why more people don't get into it I really think its a solid investing platform at this point. Certainly a hedge against what's going on the past few weeks in the markets.

[almostthere]

Depending upon the day I measured it, -1 to -3%. I was actually quite satisfied b/c it closely tracked the 'lazy portfolio' returns I judge myself by. I am consistently performing inline with a globally diversified asset allocation. Consistently getting market returns is better than most investors ever do!