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Question for financial advisors or people with financial advisors about returns last year
Posted on 10/12/25 at 4:37 pm
Posted on 10/12/25 at 4:37 pm
My friend advisor gave 12%. They are semi conservative. Me and the friend felt this was a little low. Advisor said it was a great year. And quoted morning star as examples of his investments. Was that a good return?
6
Posted on 10/12/25 at 5:02 pm to tigerbacon
VTSAX made just under 24% last year
0.04% expense ratio
So......
0.04% expense ratio
So......
Posted on 10/12/25 at 5:18 pm to GEAUXT
I agree.
Posted on 10/12/25 at 5:19 pm to tigerbacon
quote:
In 2024, the S&P 500 returned approximately \(25.0\%\) and the Nasdaq Composite gained nearly \(29.6\%\). The Dow Jones Industrial Average had a more modest return of about \(13\%\). Overall, U.S. equity markets performed well, with gains led by large-cap technology companies benefiting from the artificial intelligence boom. International developed markets returned about \(3.5\%\) for the year, while emerging markets returned roughly \(7.5\%\)
What did they have you invested in is the question
Posted on 10/12/25 at 5:23 pm to UltimaParadox
I don’t know the specifics which I know matter. I just told him my return and I’m no expert. I’m also conservative, but 2024 was a great year
Posted on 10/12/25 at 6:10 pm to tigerbacon
Depends on what your friend is invested in. How much is your friend invested in bonds and stocks?
This post was edited on 10/12/25 at 6:31 pm
Posted on 10/12/25 at 6:54 pm to tigerbacon
I think the issue is not the 12%, which could very well be fine for a "conservative" portfolio.
The issue is that the ACTUAL return is likely significantly lower due to the additional fees.
I suspect your friend's advisor has him in a mess of loaded mutual funds.
The issue is that the ACTUAL return is likely significantly lower due to the additional fees.
I suspect your friend's advisor has him in a mess of loaded mutual funds.
Posted on 10/12/25 at 8:14 pm to tigerbacon
All depends on how conservative or aggressive the portfolio is.
Is the asset allocation appropriate for your friend?
I am doing a basic 3 fund portfolio (index total US stock, index US bond, index international) and I had a 28.9% YTD with a low expense ratio (0.03, 0.03, 0.06). My allocation is more stock heavy for sure, but still low cost index funds.
Like others said, he may or may not be underperforming based on asset allocation, but he is likely overpaying.
Is the asset allocation appropriate for your friend?
I am doing a basic 3 fund portfolio (index total US stock, index US bond, index international) and I had a 28.9% YTD with a low expense ratio (0.03, 0.03, 0.06). My allocation is more stock heavy for sure, but still low cost index funds.
Like others said, he may or may not be underperforming based on asset allocation, but he is likely overpaying.
Posted on 10/12/25 at 8:33 pm to tigerbacon
Semi conservative 12% is fine.
Risk goes hand in hand with return.
And an advisor is there to help have the right amount of risk. When it’s a good year you overpay the advisor. When it’s a bad year or there is volatility and the advisor keeps you from doing something stupid you are vastly underpaying them. Not everyone is cut out to make the right decisions despite what some on this board think. I know two very smart people - one went ultra conservative mid 2024 and has lost out on 20-30% since then at least. Another went conservative in April this year - didn’t have the appetite for the risk and how the account had already gone down. Both would have been much better off with an advisor.
Risk goes hand in hand with return.
And an advisor is there to help have the right amount of risk. When it’s a good year you overpay the advisor. When it’s a bad year or there is volatility and the advisor keeps you from doing something stupid you are vastly underpaying them. Not everyone is cut out to make the right decisions despite what some on this board think. I know two very smart people - one went ultra conservative mid 2024 and has lost out on 20-30% since then at least. Another went conservative in April this year - didn’t have the appetite for the risk and how the account had already gone down. Both would have been much better off with an advisor.
Posted on 10/12/25 at 9:27 pm to Tigerstark
I actually got a little worried about him when I mentioned VOO and how it did in 2024 and he was asked me what VOO was
Posted on 10/13/25 at 6:37 am to tigerbacon
quote:
I actually got a little worried about him when I mentioned VOO and how it did in 2024 and he was asked me what VOO was
Did you also tell him how it did in 2022 to see if he was comfortable with that? If not you did him a disservice.
Posted on 10/13/25 at 6:48 am to Tigerstark
I did.
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