Comparison of market performance of the
Total Returns of a few Stocks and Funds

This calculator compares performance of 60+ popular stocks and funds during up to 15 years of spans. Except for Roku, the companies here are in the S&P 500 (large caps). The emphasis is on growth stocks, but the list also includes various additional entries representing other diversified trends and notions. The collection of stocks here are just my whims with no other significance as a group. For stocks Not included here, shows ten years of these annual Total Return numbers (which for stocks are at the Price vs Fair Value tab, and for funds are at the Performance tab).

11 of the last 15 years have been good to very good market years, but 2022 turned difficult, and sorting here by the single year 2022 shows about everything is down very substantially now (S&P 500 was down 17.5% YTD on 12 May). Market fear moved the Growth stocks down in this list, far negative for the year. The Value stocks moved higher in the list (mostly still negative, but they didn't drop as much). So there are dramatic top and bottom switches in this list of many stocks, a very different picture than seen in past years. Even our largest strongest best performing stocks, Apple, Microsoft, Alphabet (Google), Amazon, Meta (Facebook), Nvidia, and the S&P 500 are seriously negative year-to-date. A compare of the one year 2022 vs. a span of few of the other years is a sight to see (clicking the two Sort buttons provides that). The market will recover of course, when the situation improves. Amazon and Google have announced 20 to 1 stock splits (mid-year).

The Russian invasion of Ukraine is of course a big worry, but inflation is another of the current big concerns in the US. The government's massive spending of Trillions, and their own self-imposed policy last year limits our own U.S. oil production, which has had strong effect increasing inflation. The U.S. oil production was self-sufficient before, but now we must import oil again. Oil affects the price of everything (transportation, plastics, etc), and doubled oil price has increased U.S. inflation, up from 1.4% in 2020 to 8.3% now (by far the highest year in 40 years).

Comparison of Total Returns of a few stocks and funds

This option adds years 2007-2016, but that screen will be too wide for cell phones (1270 pixels).

Sort Span cumulative Total Return gains of the   bold year Span through year
Sort Only Sorts only that one year column values.
    2022 partial year YTD (Year-To-Date) is NOT the whole future year

Sort Table by Span cumulative return of year Span (last column)
Sort Table by Ticker (first column).
Sort Table by Name (next to last column)

1 Clear all red/green color markings on all stocks and years   (colors are set in Option 2, and then used in all options)
2 Color values with highs >= +% and lows <= -%.   And brighter colors beyond ±20% or ±40%
3 Mark the highest and lowest year gain value in year span.   Or see a wider view in Option 2 with +80 and -25 limits.
4 Show annual differences with of all years of all funds .
Each fund is 2 lines in table. 1st line is the funds data each year.
The 2nd line (lower case ticker) is the funds gain difference from the compared fund.
5 Adds detail of each stock's compounded gain.
Also shows Annualized Total Return of the long term compounding. Include each stock's gain summary
Initial Investment in each fund is $ (Initial dollars do Not affect gain percentages)

Ticker200720082009201020112012201320142015201620172018201920202021YTD5/20/2022   Span
XOM 24.34-13.14-12.6010.1418.714.6819.77-5.98-12.5719.62-3.94-14.617.36-35.9456.91 53.00Exxon Mobile
CVX 30.56-18.318.1022.9520.28 4.9319.11-6.82-15.9935.6010.03-9.5215.15-25.6445.25 45.43Chevron
NVDA 37.88-76.28131.47-17.56-10.00-11.0033.2027.2866.36225.3281.82-30.6976.73122.20125.41 -43.23Nvidia
TSLA 7.2518.59344.1447.857.91-10.9745.706.8925.70743.4449.76 -37.18Tesla
GOOG 44.561.7135.58-1.0329.1031.0365.17 -24.44Google C
GOOGL 48.88-55.51101.52-4.208.749.5258.43-5.3946.601.8632.93-0.8028.1830.8565.30 -24.81Google A
AMD -63.14-71.20348.15-15.50-33.99-55.5661.25-31.017.49295.12-9.3579.57148.4399.9856.91 -35.02AMD
MSFT 20.83-44.3960.50-6.53-4.52 6.0943.6927.2422.2214.6540.2220.7557.1242.3752.24 -24.54Microsoft
LOW -26.75-3.3310.599.173.3942.9041.7941.1912.14-3.4733.251.2232.2436.4162.78 -27.93Lowe's
HD -31.14-11.5030.4224.9723.4049.8835.6529.7728.243.4744.01-7.1730.2624.3858.73 -30.34Home Depot
BLK 45.08-36.9876.68-15.96-3.6119.3456.3515.42-2.3314.4437.62-21.1931.3346.4229.18 -33.89Blackrock
AAPL 133.48-56.91146.9053.0725.5632.717.6440.03-2.8012.1548.24-5.1288.0981.8534.48 -22.26Apple
AMZN 134.77-44.65162.3233.81-3.8344.9358.96-22.18117.7810.9555.9628.4323.0376.262.38 -35.46Amazon
ORCL 31.74-21.4839.3928.61-17.4632.2415.5518.79-17.506.9024.84-2.9019.3623.9136.67 -20.57Oracle
CSCO 0.95-39.7946.87-15.50-9.6311.4516.7527.310.5814.9330.4815.6113.87-3.7144.89 -31.06Cisco
TXN 15.65-52.7471.8427.09-8.898.5945.6124.585.1336.1246.03-7.7439.1530.8417.39 -8.68Texas Instruments
LMT 15.99-18.58-7.58-3.8420.69 19.2166.2633.2315.9618.2231.44-15.8952.15-6.323.11 20.13Lockheed Martin
BRK.B 29.19-32.142.2421.90-4.7617.5632.1726.64-12.0623.4321.623.0110.932.3728.95 1.69Berkshire Hath B
F -10.39-65.97336.6867.90-35.9122.2122.243.69-5.23-7.888.33-32.9129.41-3.87137.43 -38.85Ford Motor
GM -45.0142.2341.76-11.651.376.9122.01-14.6913.9614.8140.80 -39.62General Motors
PLD 1.64-57.9615.4420.36-6.3131.554.3320.033.2826.9125.54-6.0055.4214.4071.46 -28.42Prologis
INTU 3.61-24.7429.1760.437.0114.5929.5021.875.8120.0538.9025.8034.0545.8569.98 -42.61Intuit
MU -48.65-63.59293.18-22.74-21.570.79243.0660.97-59.5554.8087.59-22.8469.4939.7924.17 -25.93Micron
BAC -18.86-63.147.49-11.17-58.13109.5334.4515.67-4.8132.8035.34-14.7045.62-11.9049.36 -23.42Bank of America
GS -10.79-60.41102.540.54-45.6043.0240.5710.62-5.7034.307.60-33.1940.1316.8747.53 -19.28Goldman Sachs
AXP -13.39-63.72126.077.8311.6223.5159.343.63-24.068.2235.83-2.5732.28-1.4936.73 -5.75American Express
JPM -6.90-25.1334.362.30-19.9735.7036.109.688.2033.4726.30-6.4046.18-6.2627.53 -24.64JP Morgan Chase
KR 17.030.13-20.9610.8610.249.4854.2964.1531.52-16.42-19.041.607.6011.9044.96 8.44Kroger
MS -20.17-68.7587.93-7.40-43.9327.6965.0624.84-16.6035.0226.32-22.3432.2136.8046.30 -17.72Morgan Stanley
UNH 8.38-54.2614.7519.8942.198.6040.7736.1218.2338.0639.5514.5719.6720.9344.79 -2.98United Health
ADBE 3.92-50.1872.76-16.31-8.1533.2958.9121.4129.229.5970.2229.1045.7851.6413.38 -29.62Adobe
ISRG 236.81-60.68138.94-15.0579.645.91-21.6837.723.2616.1172.6431.2323.4338.3931.76 -39.03Intuitive Surgery
COST 33.21-23.9814.3423.6716.7328.1721.7720.2518.560.2221.8310.6445.5232.5351.49 -26.35Costco
INTC 34.23-43.4743.906.2719.33-11.3830.2443.29-2.428.3030.244.2730.22-14.556.16 -17.71Intel
QCOM 5.40-7.6431.199.0112.2614.8522.132.28-30.2534.581.63-7.3159.3975.5821.81 -27.66Qualcomm
MCD 36.388.554.0126.9333.66-9.2213.54-0.0529.756.0944.555.6013.9511.1427.37 -12.23McDonalds
JNJ 3.61-7.7711.28-0.589.8910.5534.3517.191.0515.2324.16-5.1015.9410.6211.36 4.07Johnson & Johnson
PG 16.63-13.771.209.367.045.0823.4015.00-9.939.2412.533.1439.0913.9020.01 -12.23Procter & Gamble
WMT 4.9120.00-2.583.2313.8716.8318.0911.58-26.3416.0245.82-3.5629.8623.121.90 -16.84Walmart
MA 119.40-33.3979.73-12.2266.7232.0670.493.6613.746.8347.4525.3058.9820.081.16 -6.17Mastercard A
V 67.86-18.9945.4350.2747.8218.5019.071.3647.0316.4943.2117.06-0.31 -7.81Visa
T 20.58-28.014.8211.639.0117.299.640.778.0429.18-3.97-21.4544.08-21.08-7.23 8.69AT&T
VZ 22.56-17.734.2823.2418.2312.8718.36-0.453.5420.413.5110.7013.52-0.29-7.26 -2.21Verizon
DIS -4.80-28.6343.7217.581.6834.7755.1724.7913.020.604.713.5933.5125.27-14.51 -33.88Walt Disney
VFIAX 5.47-36.9726.6215.052.0815.9632.3313.641.3611.9321.79-4.4331.4618.3728.66 -17.68V S&P 500 Index
VGHAX 4.50-18.3921.036.2111.5115.1743.2728.5712.71-8.9419.661.2122.9812.6714.36 -8.64V Health Care
FDGRX 19.89-40.9041.1520.550.6718.5237.6114.447.836.0136.76-4.5338.4267.5122.67 -30.87Fidelity Growth
TWCIX 21.67-39.6734.7914.581.4214.7430.2110.527.695.4828.93-3.6336.3133.9725.18 -24.99AmerCenturySelect
TWCUX 21.83-41.7435.3616.561.1914.1836.919.916.164.3831.900.6634.6049.7823.21 -28.87AmerCentury Ultra
VWUAX -18.89-37.6935.1411.74-0.5318.5435.7113.208.61-0.5931.740.7533.5158.7412.45 -35.37V US Growth
VIGAX 12.70-38.2236.4217.121.8717.0132.4013.633.306.1227.80-3.3437.2340.1927.26 -28.56V Growth Index
VBIAX -6.02-22.0419.8213.294.2911.4918.109.990.518.7713.89-2.8621.7916.4014.22 -15.05V Bal Index 40%
VWENX 8.48-22.2322.3411.043.9512.6719.769.900.1411.0914.82-3.3522.6110.6819.12 -14.63V Wellington 30%
VWIAX 5.76-9.7916.1410.719.7410. -8.28V Wellesley 60%
VIMAX 6.17-41.7840.4825.59-1.9715.9935.1513.76-1.3411.2219.25 -12.5731.0318.2424.51 -18.22V Mid Cap Index
VSMAX 1.24-36.0036.3327.89-2.6918.2437.817.50-3.6418.3016.24-9.3127.3719.1117.73 -17.78V Small Cap Index
VTSAX 5.57-36.9928.8317.261.0816.3833.5212.560.3912.6621.17-5.1730.8020.9925.71 -18.88V Total US Stk Mkt
VIVAX -0.16-35.9719.5814.281.0015.0032.8513.05-1.0316.7516.99-5.5525.672.1826.31 -6.32V Value Index
VBTLX 7.694.15-2.155.890.402.603.56-0.038.717.72-1.67 -9.30V Total Bond Mkt
QQQ 19.02-41.7354.7019.913.3818.1236.6319.189.457.1032.66-0.1238.9648.6227.42 -27.35NASDAQ 100 ETF
TGT -11.57-29.9942.4326.29-12.98 18.109.6022.98-1.502.67-6.294.1797.9339.7832.90 -32.09Target
NFLX 2.9412.2884.31218.93-60.5633.63297.64-7.21134.388.2455.0639.4420.8967.1111.41 -69.07Netflix
FB 105.3042.7734.159.9353.38-25.7156.5733.0823.13 -42.46Meta (Facebook)
PYPL 9.0386.5214.2228.64116.51-19.48 -57.29PayPal
ROKU -40.83337.01147.96-31.27 -58.72Roku

Other market pages/calculators here:

S&P 500 daily Action, and Count of annual S&P 500 record highs

S&P 500 gain history calculator, concerned with a 4% Rule

Descriptions of S&P 500 and 4% Rule, and basics of bonds and taxes

Stock Dividends are valuable, but withdrawing them is NOT income

Current U.S. CPI Inflation rate:  April 8.3% (2022 is a 40 year high)

U.S. CPI Inflation rate history   1913-2021 (graph)

U.S. Fed Interest rate history   1955-2022

U.S. National debt: $30.4 Trillion (graphs) Highest debt ever,
even more than in WWII as ratio of debt to GDP ( > GDP )

Current bond fund performance examples:

LinkVanguard fund
SEC Yield
1 year
VMFXXFederal Money Market 0.66%No value loss
VFSUXShort Term Bonds 3.36%-5.31%2.7 years
VSCSXShort-Term Corporate Bond Index3.55%-5.42%2.8 years
VFIDXIntermediate Term Bonds4.23%-10.08%6.4 years
VBLAXLong Term Bond Index4.16%-14.25%15.1 years

The current SEC Yield reported is the previous 30 day interest result annualized to be a hypothetical 12 month rate, which is a standard way to compare the current earning rate of varying gains, but it is not necessarily the years actual result (it changes). It is the previous seven days for Money Market funds.

Definition of bond "Duration":   Bonds pay a fixed interest rate, of dollars based on their face value. However, bond resell value varies with current interest rates, which resell price computes the new effective interest rate. If interest rates increase, existing bonds paying lower interest can only sell at a lower price to attract any interest in them (and also vice versa, price going higher when interest rates decrease). This fact is Extremely Important, especially with interest rates currently increasing from a rock bottom low. See the 1 Year Return in the chart just above. The value decrease and also inflation is much greater than the bond interest, IMO.

The term Duration computes that for Each 1% change in current interest rates, the resell value of existing bonds is expected to change in the opposite direction by their "Duration" percent. Bonds can be volatile when interest rates change. If interest rate doubles (like 1% to 2%), existing bond prices can drop to half (so that then buying two existing bonds effectively pays the higher interest income of one new bond). However since bonds are still redeemed at face value, short term bonds, and bonds nearing maturity date, will have low durations. Long term bonds have high duration. See a description about investing in bonds.

As individual bonds approach their maturity date, their duration drops towards zero, because bonds do repay full face value when redeemed at maturity or recall. So if you buy bonds directly yourself, and hold until redeemed at maturity, the return then will be as expected. However bond funds must buy and sell bonds continually as investors buy and sell shares, and values are computed daily, not necessarily held until redeemed.

Interest rates dropped in 2019 and 2020, increasing existing bond resell values, so bond funds showed good results then. It is important to realize why, and since then, existing bonds lost resell value when interest rates on new bonds increased, and then bond return went negative. With interest rates near zero, there is only one direction they can move. The U.S. Fed has announced several interest rate increases are expected in 2022 due to inflation.

So IMO, it's difficult to think the time to buy bonds is now. With rising inflation and interest rates, that can only be bad. If bonds are a goal, I'd wait to buy for the peak of high interest rates, because then instead of value continuing to drop, existing bond prices (i.e., in bond funds) will turn around and will increase as interest rate falls again (as in the text above). For that to happen will require reducing inflation first, but then as interest rates fall, the increasing bond value will outperform than the bond interest paid. Bonds can be volatile.

Copyright © 2021-2022 by Wayne Fulton - All rights are reserved.

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