My worst year ever in my trading accounts was a 13.52 realized gain. Lifetime it is up a bunch due to some very large winners.
Commodities account is all over the board. But if I had to guess, I realize a consistent 4-5% annually. It serves as a hedge I guess is the best way to describe it.
My businesses retirement account lowest return for the lifetime is 8.57%, which is the high yield bond funds performance, the others are between the high 9's and 14%.
My ROTH is at about 18% for its lifetime. Most of it is in cash currently.
I do take realized gains in all of these accounts where warranted, and also on occasion move to mostly cash and bonds at some points. I never have these moves timed perfectly, but in 2007 I started to move away from equities, and have again recently.
Edit. My question is this, and yes I'm a simpleton. The charts scream the argument for buying an index, or a fund that owns the index securities to get benefit of the dividends. What am I missing here?
This post was edited on 6/9 at 9:03 pm