Investing

Share your AVERAGE RETURN ON INVESTMENT Percentage

  • Last Updated:
  • Sep 12th, 2021 11:30 am
[OP]
Sr. Member
Nov 6, 2014
906 posts
1558 upvotes
Woodbridge, ON

Share your AVERAGE RETURN ON INVESTMENT Percentage

I wanted to start a thread on what people's average return on investment (ROI) is across all of their investments (excluding real estate) over the past year. No need for details on what products, stocks, institutions...etc unless you wish to share.

I'll start!

My average ROI across my investments is 4.4% and think that's pretty good given the economic times but was interested how I compare with other people's average.
Last edited by fordmaple on Sep 10th, 2021 3:15 pm, edited 2 times in total.
33 replies
Sr. Member
User avatar
May 31, 2018
726 posts
1740 upvotes
Saskatchewan
Over what time frame? This year? Last decade? Since I started in 1984?

In any case, I wouldn’t have the slightest clue, and have no desire to find out either. Whatever number it is, it is now in the past and I never look back. No remorse, no regrets, no rear view mirror.
[OP]
Sr. Member
Nov 6, 2014
906 posts
1558 upvotes
Woodbridge, ON
FarmerHarv wrote: Over what time frame? This year? Last decade? Since I started in 1984?

In any case, I wouldn’t have the slightest clue, and have no desire to find out either. Whatever number it is, it is now in the past and I never look back. No remorse, no regrets, no rear view mirror.
Good point, as I've updated the original post to suggest over the last year. It might be a good indicator to realize the performance of your returns year over year and understand the growth of your investment/passive income.
Sr. Member
User avatar
May 31, 2018
726 posts
1740 upvotes
Saskatchewan
fordmaple wrote: Good point, as I've updated the original post to suggest over the last year. It might be a good indicator to realize the performance of your returns year over year and understand the growth of your investment/passive income.
Not trying to be argumentative, just trying to understand what that knowledge would do for me? If my returns didn't meet whatever arbitrary benchmark I set, then I'd be tempted to mess with things in order to increase them, most likely going outside of my desired risk zone. If they exceeded my arbitrary benchmark, then I might start to think I'm smarter than I really am, and probably mess with things while going outside of my desired risk zone.

Best course for me is to stay in my lane, and ignore the temptation to measure or compare my results to anything.
Deal Expert
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Dec 12, 2009
21264 posts
9667 upvotes
Toronto
I can say this much, the US and Canadian indices are up about 20% YTD. The MSCI Europe index is up a few points less. These are better benchmarks to work with. All alpha seekers want to beat these benchmarks.
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Sr. Member
Dec 8, 2020
591 posts
605 upvotes
Toronto
OP if that 4.4% is net after taking into account all your gains & losses, in this market you are doing poorly YTD.

YTD below

https://stockcharts.com/freecharts/perf ... 0&O=011000

12 mth below

https://stockcharts.com/freecharts/perf ... 0&O=011000

7 year below

https://stockcharts.com/freecharts/perf ... 0&O=011000

I currently have only 3 holdings, net combined doing better than 4.4% YTD
Deal Addict
User avatar
May 8, 2007
1143 posts
362 upvotes
Fraser Valley, BC
2017 was 49.4%
2018 was -12.0%
2019 was 104.8%
2020 was 71.2%
2021 was 13.8% so far
Jr. Member
Jul 12, 2019
169 posts
673 upvotes
No offence, but it sounds like you haven't been investing very long. 1 year returns mean absolutely nothing. Note that the market underperforms totally riskless treasury bills one third of all years.
Also keep in mind that you're probably not going to get a representative sample. People with below average returns aren't as likely to share them publicly.
Deal Addict
Jan 31, 2007
3034 posts
2608 upvotes
Richmond Hill
Over what time frame????
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Deal Expert
User avatar
Nov 15, 2004
19788 posts
3797 upvotes
Toronto
I'm up 78% over the past year. 4.4% is alright, but given that the money printer has been on overdrive since the start of the pandemic you could be doing better. The S&P 500 alone has gone up 34% in that same time.
Member
Jul 20, 2019
211 posts
111 upvotes
If only stocks, I'm up about 200% since last year but mainly because I have LSPD to make up for other losers
Newbie
Mar 1, 2019
42 posts
31 upvotes
My TFSA has 11.1% annualized return since inception in 2015, and I've just been doing some form of the couch potato the whole time, although I did get rid of bonds a few months ago when I switched from VGRO to VEQT. All my other accounts are just invested exactly the same way so they'd have the same performance, but thanks to the timing of when I started my RRSP it shows a 22.6% annualized return since inception, so clearly I'm the next Warren Buffet.
Newbie
Sep 18, 2017
86 posts
88 upvotes
Net worth up well over 7 figures this year. Seems far more important to me than my 17% XIRR YTD return although I do like seeing my investment portfolio growing by six figures every other month.
Deal Fanatic
Aug 4, 2005
8152 posts
796 upvotes
Brampton
I thought the S&P 500 is the universal benchmark. So if your not currently up ~18.5% or more YTD, sell all your investments and buy that etf.

(Partly kidding)

Also to be fair even my benchmark isn’t the S&P 500. I look at XEQT and that’s currently up ~15.5% YTD
Member
Aug 18, 2019
301 posts
220 upvotes
~900% from meme stonks this past year✌️
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Sr. Member
Dec 8, 2020
591 posts
605 upvotes
Toronto
Badman wrote: I thought the S&P 500 is the universal benchmark. So if your not currently up ~18.5% or more YTD, sell all your investments and buy that etf.

(Partly kidding)

Also to be fair even my benchmark isn’t the S&P 500. I look at XEQT and that’s currently up ~15.5% YTD
^^^ agree on the S&P investment in the SPY ETF park it & forget it for 10 or 20 years.

I say that everyone should have a benchmark, mine is not a particular stock or ETF, just that I must achieve not less than 12%/yr in good & bad years. Even the 2020 drop recovered by the end of that year.

on the S&P/SPY, other choices in the S&P benchmark is SPGI, SSO, UPRO
[OP]
Sr. Member
Nov 6, 2014
906 posts
1558 upvotes
Woodbridge, ON
I am scratching my head on how ppl can be getting 20% ROI or even 100+ like 900%!?!? I must be doing something wrong. Say you invest $100K @ 900% that would bring the investment to $1M! How?
Sr. Member
Dec 8, 2020
591 posts
605 upvotes
Toronto
fordmaple wrote: I am scratching my head on how ppl can be getting 20% ROI or even 100+ like 900%!?!? I must be doing something wrong. Say you invest $100K @ 900% that would bring the investment to $1M! How?
some hit it lucky with one-off's ... meme stocks, crypto, GME, AMC, penny stocks.

this year has been good for many ETF's

some don't include their losses, just their gainers.

doing it right it should be the net (gainers minus losses)

tell us why you have achieved 4.4% ... is it a buy & hold portfolio or do you keep buying & selling?

let me give you simple...ZEB, pays 3.3% dividend based on current stock price.

growth

YTD 25.87%

12 mths 39.92%

5 yrs 52.22%

10 years 152.78%
[OP]
Sr. Member
Nov 6, 2014
906 posts
1558 upvotes
Woodbridge, ON
Janus2faced wrote:
tell us why you have achieved 4.4% ... is it a buy & hold portfolio or do you keep buying & selling?

let me give you simple...ZEB, pays 3.3% dividend based on current stock price.
Hmm... Well I make 13% on my mutual funds and couch potatoe some gics and stocks which don't make near as much 13% so I'm down to 4.4%. I thought I was doing ok, but need to educate myself. Confused Face
Sr. Member
Dec 8, 2020
591 posts
605 upvotes
Toronto
fordmaple wrote: Hmm... Well I make 13% on my mutual funds and couch potatoe some gics and stocks which don't make near as much 13% so I'm down to 4.4%. I thought I was doing ok, but need to educate myself. Confused Face
^^^ its not as bad as it looks!

are the playing the stocks dragging your growth down?

maybe stick with what is giving you the best average overall highest returns & stop playing with the flavour of the day/following the crowd stocks.

look at your mutual funds & couch potato to see what just those two combined + GIC/HISA are giving you year over year.

my guess is just those combined are better than 4.4%

what about a balanced

90% - 95% Mutual funds with couch potato .... growth with yield/distributions/dividends of 13% - 18%

5% - 8% GIC/HISA ... 1.25%

1% casino money .... even money,no gains, no losses

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