You can even temporarily add a few of your own favorite stocks or funds here to see the performance comparisons. Option 6 makes it easy to Copy/Paste the data from the Morningstar Total Return %. Just drag the mouse across the numbers on that Morningstar data line to highlight the Total Return % numbers, and then directly Paste here. Also there is a calculator #3 that will provide the same Copy/Paste of the Morningstar Total Return % numbers. Morningstar shows the past ten years (plus the current YTD) of these annual Total Return numbers (which for stocks are at the Price vs Fair Value tab, or for funds are at the Performance tab). Total Return includes compounding and reinvested dividends, less fund fees.
Most of the last 10 years have been generally good to very good market years for the S&P 500. However 2022 was very seriously negative for all, especially for growth stocks and funds, with pretty much an extreme top to bottom reversal in this table for the growth stocks. The S&P 500 was down -25% at bottom on 12 October 2022. There is also a S&P 500 50 year gain history calculator.
But so far 2023 is suddenly a little different, the growth stocks are starting to reverse back, so do check a sort on 2023 only. The S&P 500 is still down about -12% (from the past high well more than a year ago), but some of the worst hit companies shown here now have positive gains of 20% to 100% in 2023 so far (from the bad 2022 year), which normally would be great gains for an entire year. Of course, this is still bad times, and there's still more recovery to go, but it is looking better than last year so far. Recovery might be slow until the next election, but Good stocks will recover. The market has always recovered, and the gain will look much better after recovery. This "Recovery Needed" is calculator #4 on next page.
Recovery Needed if a stock or fund is Down this percent | ||||||||
---|---|---|---|---|---|---|---|---|
Down | 10% | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
Recovery gain | 11.1% | 25% | 42.5% | 66.7% | 100% | 150% | 233% | 400% |
to 100% Value | 1.11x | 1.25x | 1.43x | 1.67x | 2x | 2.5x | 3.33x | 5x |
In this calculator,
Also show years 2013-2017 (the table below will be much wider) | |
Scroll to the table at any active setting change | |
Total Return of the Year Span through year | |
All years span 2013-2023 | |
The one year span Will sort any one year | |
Sort Table by compounded total return of year Span Gain | |
Sort Table by Annualized Return | |
Sort Table by Name | |
Sort Table by Ticker The column sorted is Yellow. | |
1. Remove 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 with brighter colors beyond ±20% or ±40% | |
3. Like 2, but with color limits of +50 and -30 to highlight the extreme values. | |
4. Show annual differences with of all years of all funds. Each fund becomes two lines in table. The 1st line is the funds data each year.
The 2nd line (lower case ticker) is the funds gain difference from the compared fund (marked with delta, Δ, math symbol for difference, and it fits the space). | |
5. Shows Annualized Total Return of the Span (in separate list below)
Show each stock's gain summary of the span years. Initial investment in each fund is $ | |
6. Add new ticker row of your choice with a simple Copy/Paste of Morningstar Total Return % data. This can be repeated multiple times for more additions. Caution: Reloading the page will start over, losing any additions. But until then, selecting any option still works OK with the additions too. |
Ticker | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 YTD | May 26, 2023 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OXY | 27.48 | -11.87 | -12.44 | 9.55 | 7.71 | -12.46 | -27.75 | -56.01 | 67.71 | 119.08 | -6.14 | Occidental Petrol | ||
XOM | 19.77 | -5.98 | -12.57 | 19.62 | -3.94 | -14.61 | 7.36 | -35.94 | 56.91 | 86.06 | -3.18 | Exxon Mobile | ||
MPC | 48.05 | 0.40 | 17.39 | -0.25 | 34.06 | -7.78 | 5.69 | -27.50 | 60.32 | 85.78 | -5.22 | Marathon Petrol | ||
CVX | 19.11 | -6.82 | -15.99 | 35.60 | 10.03 | -9.52 | 15.15 | -25.64 | 45.25 | 57.79 | -12.47 | Chevron | ||
NVDA | 33.20 | 27.28 | 66.36 | 225.32 | 81.82 | -30.69 | 76.73 | 122.20 | 125.41 | -50.26 | 166.53 | Nvidia | ||
TSLA | 344.14 | 47.85 | 7.91 | -10.97 | 45.70 | 6.89 | 25.70 | 743.44 | 49.76 | -65.03 | 56.82 | Tesla | ||
META | 105.30 | 42.77 | 34.15 | 9.93 | 53.38 | -25.71 | 56.57 | 33.08 | 23.13 | -64.22 | 117.75 | Meta (Facebook) | ||
GOOG | 44.56 | 1.71 | 35.58 | -1.03 | 29.10 | 31.03 | 65.17 | -38.67 | 41.36 | Google C | ||||
GOOGL | 58.43 | -5.39 | 46.60 | 1.86 | 32.93 | -0.80 | 28.18 | 30.85 | 65.30 | -39.09 | 41.23 | Google A | ||
AMD | 61.25 | -31.01 | 7.49 | 295.12 | -9.35 | 79.57 | 148.43 | 99.98 | 56.91 | -49.79 | 96.12 | AMD | ||
MSFT | 43.69 | 27.24 | 22.22 | 14.65 | 40.22 | 20.75 | 57.12 | 42.37 | 52.24 | -27.94 | 39.38 | Microsoft | ||
CRM | 31.33 | 7.47 | 32.19 | -12.68 | 49.33 | 33.98 | 18.74 | 36.82 | 14.20 | -47.83 | 62.49 | SalesForce | ||
SHOP | 66.16 | 135.60 | 37.08 | 187.17 | 184.71 | 21.68 | -74.80 | 70.73 | Shopify | |||||
KO | 17.05 | 5.16 | 4.88 | -0.23 | 14.23 | 6.60 | 20.27 | 2.04 | 11.03 | 10.40 | -4.54 | Coca-Cola | ||
PEP | 24.48 | 17.06 | 8.59 | 7.68 | 17.64 | -4.88 | 27.14 | 11.45 | 20.00 | 6.61 | 2.25 | PepsiCo | ||
UPS | 45.88 | 8.35 | -10.81 | 22.37 | 6.83 | -15.09 | 23.96 | 47.31 | 29.70 | -16.06 | 0.56 | United Parcel Svc | ||
CON | 26.49 | 1.77 | -28.13 | 9.53 | 11.59 | 15.70 | 6.44 | -35.91 | 85.37 | 70.39 | -12.31 | ConocoPhillips | ||
LOW | 41.41 | 40.50 | 12.01 | -4.81 | 32.82 | 1.29 | 31.90 | 35.91 | 62.78 | -21.49 | 4.71 | Lowe's | ||
HD | 35.65 | 29.77 | 28.24 | 3.47 | 44.01 | -7.17 | 30.26 | 24.38 | 58.73 | -22.06 | -6.63 | Home Depot | ||
AAPL | 7.64 | 40.03 | -2.80 | 12.15 | 48.24 | -5.12 | 88.09 | 81.85 | 34.48 | -26.32 | 35.38 | Apple | ||
AMZN | 58.96 | -22.18 | 117.78 | 10.95 | 55.96 | 28.43 | 23.03 | 76.26 | 2.38 | -49.62 | 42.99 | Amazon | ||
ORCL | 15.55 | 18.79 | -17.50 | 6.90 | 24.84 | -2.90 | 19.36 | 23.91 | 36.67 | -4.80 | 28.21 | Oracle | ||
CSCO | 16.75 | 27.31 | 0.58 | 14.93 | 30.48 | 15.61 | 13.87 | -3.71 | 44.89 | -22.44 | 6.28 | Cisco Systems | ||
TXN | 45.61 | 24.58 | 5.13 | 36.12 | 46.03 | -7.74 | 39.15 | 30.84 | 17.39 | -9.85 | 8.20 | Texas Instrument | ||
LMT | 66.26 | 33.23 | 15.96 | 18.22 | 31.44 | -15.89 | 52.15 | -6.32 | 3.11 | 40.09 | -7.20 | Lockheed Martin | ||
BRK.B | 32.17 | 26.64 | -12.06 | 23.43 | 21.62 | 3.01 | 10.93 | 2.37 | 28.95 | 3.31 | 3.79 | Berkshire Hath | ||
F | 22.24 | 3.69 | -5.23 | -7.88 | 8.33 | -32.91 | 29.41 | -3.87 | 137.43 | -41.60 | 12.12 | Ford Motor | ||
GM | 41.76 | -11.65 | 1.37 | 6.91 | 22.01 | -14.69 | 13.96 | 14.81 | 40.80 | -42.32 | -0.77 | General Motors | ||
PLD | 4.33 | 20.03 | 3.28 | 26.91 | 25.54 | -6.00 | 55.42 | 14.40 | 71.46 | -31.17 | 11.61 | Prologis | ||
INTU | 29.50 | 21.87 | 5.81 | 20.05 | 38.90 | 25.80 | 34.05 | 45.85 | 69.98 | -39.05 | 7.91 | Intuit | ||
MU | 243.06 | 60.97 | -59.55 | 54.80 | 87.59 | -22.84 | 69.49 | 39.79 | 24.17 | -45.87 | 48.15 | Micron | ||
BAC | 34.45 | 15.67 | -4.81 | 32.80 | 35.34 | -14.70 | 45.62 | -11.90 | 49.36 | -23.62 | -13.86 | Bank of America | ||
GS | 40.57 | 10.62 | -5.70 | 34.30 | 7.60 | -33.19 | 40.13 | 16.87 | 47.53 | -7.89 | -2.58 | Goldman Sachs | ||
AXP | 59.34 | 3.63 | -24.06 | 8.22 | 35.83 | -2.57 | 32.28 | -1.49 | 36.73 | -8.47 | 7.18 | American Express | ||
JPM | 36.10 | 9.68 | 8.20 | 33.47 | 26.30 | -6.40 | 46.18 | -6.26 | 27.53 | -12.79 | 3.61 | JP Morgan Chas | ||
MS | 65.06 | 24.84 | -16.60 | 35.02 | 26.32 | -22.34 | 32.21 | 36.80 | 46.30 | -10.38 | 0.51 | Morgan Stanley | ||
KR | 54.29 | 64.15 | 31.52 | -16.42 | -19.04 | 1.60 | 7.60 | 11.90 | 44.96 | 0.57 | 7.29 | Kroger | ||
UNH | 40.77 | 36.12 | 18.23 | 38.06 | 39.55 | 14.57 | 19.67 | 20.93 | 44.79 | 6.86 | -8.87 | United Health | ||
ADBE | 58.91 | 21.41 | 29.22 | 9.59 | 70.22 | 29.10 | 45.78 | 51.64 | 13.38 | -40.65 | 23.43 | Adobe | ||
ISRG | -21.68 | 37.72 | 3.26 | 16.11 | 72.64 | 31.23 | 23.43 | 38.39 | 31.76 | -26.15 | 15.66 | Intuitive Surgery | ||
COST | 21.77 | 20.25 | 18.56 | 0.22 | 21.83 | 10.64 | 45.52 | 32.53 | 51.49 | -18.97 | 11.54 | Costco | ||
INTC | 30.24 | 43.29 | -2.42 | 8.30 | 30.24 | 4.27 | 30.22 | -14.55 | 6.16 | -45.84 | 11.58 | Intel | ||
QCOM | 22.13 | 2.28 | -30.25 | 34.58 | 1.63 | -7.31 | 59.39 | 75.58 | 21.81 | -38.28 | 1.06 | Qualcomm | ||
MCD | 13.54 | -0.05 | 29.75 | 6.09 | 44.55 | 5.60 | 13.95 | 11.14 | 27.37 | 0.42 | 9.12 | McDonalds | ||
FTNT | -8.99 | 60.27 | 1.66 | -3.37 | 45.05 | 61.20 | 51.58 | 39.13 | 141.97 | -31.98 | 38.62 | Fortinet | ||
CMG | 79.11 | 28.48 | -29.90 | -21.37 | -23.40 | 49.39 | 93.87 | 65.65 | 26.07 | -20.64 | 49.26 | Chipolte | ||
JNJ | 34.35 | 17.19 | 1.05 | 15.23 | 24.16 | -5.10 | 15.94 | 10.62 | 11.36 | 5.86 | -11.31 | Johnson&Johnsn | ||
PG | 23.40 | 15.00 | -9.93 | 9.24 | 12.53 | 3.14 | 39.09 | 13.90 | 20.01 | -5.14 | -2.84 | Procter&Gamble | ||
WMT | 18.09 | 11.58 | -26.34 | 16.02 | 45.82 | -3.56 | 29.86 | 23.12 | 1.90 | -0.46 | 4.07 | Walmart | ||
MA | 70.49 | 3.66 | 13.74 | 6.83 | 47.45 | 25.30 | 58.98 | 20.08 | 1.16 | -2.68 | 7.99 | Mastercard | ||
V | 47.82 | 18.50 | 19.07 | 1.36 | 47.03 | 16.49 | 43.21 | 17.06 | -0.31 | -3.40 | 8.74 | Visa | ||
T | 9.64 | 0.77 | 8.04 | 29.18 | -3.97 | -21.45 | 44.08 | -21.08 | -7.23 | -1.33 | -12.79 | AT&T | ||
VZ | 18.36 | -0.45 | 3.54 | 20.41 | 3.51 | 10.70 | 13.52 | -0.29 | -7.26 | -19.22 | -7.86 | Verizon | ||
BA | 83.69 | -2.63 | 14.04 | 10.69 | 93.08 | 11.67 | 3.56 | -33.66 | -5.95 | -5.38 | 6.90 | Boeing | ||
MMM | 53.79 | 19.60 | -5.83 | 21.49 | 34.44 | -16.74 | -4.39 | 2.41 | 5.01 | -29.13 | -16.66 | 3M Co. | ||
NIKE | 54.09 | 23.54 | 31.21 | -17.62 | 24.51 | 19.84 | 37.87 | 40.64 | 18.61 | -29.04 | -7.83 | Nike | ||
DIS | 55.17 | 24.79 | 13.02 | 0.60 | 4.71 | 3.59 | 33.51 | 25.27 | -14.51 | -43.91 | 1.62 | Walt Disney | ||
VFIAX | 32.33 | 13.64 | 1.36 | 11.93 | 21.79 | -4.43 | 31.46 | 18.37 | 28.66 | -18.15 | 10.27 | V S&P 500 Index | ||
VGHAX | 43.27 | 28.57 | 12.71 | -8.94 | 19.66 | 1.21 | 22.98 | 12.67 | 14.36 | -1.01 | 1.01 | V Health Care | ||
TWCIX | 30.21 | 10.52 | 7.69 | 5.48 | 28.93 | -3.63 | 36.31 | 33.97 | 25.18 | -28.93 | 22.10 | Amern Cent Select | ||
TWCUX | 36.91 | 9.91 | 6.16 | 4.38 | 31.90 | 0.66 | 34.60 | 49.78 | 23.21 | -32.46 | 24.15 | Amern Cent Ultra | ||
VWUAX | 35.71 | 13.20 | 8.61 | -0.59 | 31.74 | 0.75 | 33.51 | 58.74 | 12.45 | -39.58 | 23.14 | V US Growth | ||
VIGAX | 32.40 | 13.63 | 3.30 | 6.12 | 27.80 | -3.34 | 37.23 | 40.19 | 27.26 | -33.14 | 24.90 | V Growth Index | ||
VWENX | 19.76 | 9.90 | 0.14 | 11.09 | 14.82 | -3.35 | 22.61 | 10.68 | 19.12 | -14.08 | 4.61 | V Wellington 70/30 | ||
VWIAX | 9.27 | 8.15 | 1.35 | 8.16 | 10.26 | -2.49 | 16.47 | 8.54 | 8.57 | -9.01 | -0.17 | V Wellesley 40/60 | ||
VIMAX | 35.15 | 13.76 | -1.34 | 11.22 | 19.25 | -9.23 | 31.03 | 18.24 | 24.51 | -18.71 | 1.19 | V Mid Cap Index | ||
VSMAX | 37.81 | 7.57 | -3.64 | 18.30 | 16.24 | -9.31 | 27.37 | 19.11 | 17.73 | -17.61 | 1.65 | V Small Cap Index | ||
VIVAX | 32.85 | 13.05 | -1.03 | 16.75 | 16.99 | -5.55 | 25.67 | 2.18 | 26.31 | -2.18 | -2.74 | V Value Index | ||
FDGRX | 37.61 | 14.44 | 7.83 | 6.01 | 36.76 | -4.53 | 38.42 | 67.51 | 22.67 | -33.78 | 26.97 | Fidelity Growth | ||
FSPTX | 31.76 | 10.65 | 7.40 | 11.94 | 49.86 | -8.79 | 51.07 | 63.71 | 21.97 | -36.87 | 39.26 | Fidelity Select Tech | ||
IYGIX | 35.85 | 11.64 | 7.05 | 1.38 | 29.37 | 2.41 | 36.86 | 31.19 | 30.53 | -26.77 | 21.00 | DelawareIvyGrowth | ||
FOCKX | 46.70 | 16.62 | 11.05 | 3.23 | 38.75 | -3.10 | 39.38 | 46.88 | 25.15 | -32.12 | 24.71 | Fidelity OTC K | ||
SCHG | 34.05 | 15.81 | 3.24 | 6.82 | 28.04 | -1.36 | 36.01 | 39.14 | 28.11 | -31.80 | 26.88 | SchwabGrowth ETF | ||
VMGAX | 32.48 | 13.67 | 3.72 | 6.42 | 29.49 | -2.85 | 37.54 | 41.03 | 28.51 | -33.55 | 28.78 | V MegaCap Growth | ||
VBIAX | 18.10 | 9.99 | 0.51 | 8.77 | 13.89 | -2.86 | 21.79 | 16.40 | 14.22 | -16.90 | 6.20 | V Bal Index 60/40 | ||
VBTLX | -2.15 | 5.89 | 0.40 | 2.60 | 3.56 | -0.03 | 8.71 | 7.72 | -1.67 | -13.16 | 1.53 | V Total Bond Mkt | ||
VTSAX | 33.52 | 12.56 | 0.39 | 12.66 | 21.17 | -5.17 | 30.80 | 20.99 | 25.71 | -19.08 | 9.36 | Total US Stk Mkt | ||
DODIX | 0.64 | 5.48 | -0.59 | 5.61 | 4.36 | -0.31 | 9.73 | 9.45 | -0.91 | -10.86 | 1.97 | Dodge&Cox Income | ||
QQQ | 36.63 | 19.18 | 9.45 | 7.10 | 32.66 | -0.12 | 38.96 | 48.62 | 27.42 | -32.58 | 31.04 | Invesco QQQ ETF | ||
TGT | 9.60 | 22.98 | -1.50 | 2.67 | -6.29 | 4.17 | 97.93 | 39.78 | 32.90 | -33.89 | -5.33 | Target | ||
NFLX | 297.64 | -7.21 | 134.38 | 8.24 | 55.06 | 39.44 | 20.89 | 67.11 | 11.41 | -51.05 | 28.49 | Netflix | ||
PYPL | 9.03 | 86.52 | 14.22 | 28.64 | 116.51 | -19.48 | -62.23 | -15.45 | PayPal | |||||
ROKU | -40.83 | 337.01 | 147.96 | -31.27 | -82.16 | 37.71 | Roku | |||||||
DUK | 13.01 | 25.62 | -10.67 | 13.43 | 12.86 | 6.93 | 10.03 | 4.57 | 18.83 | 1.97 | -11.92 | Duke Energy | ||
ABBV | 59.28 | 27.06 | -6.39 | 9.55 | 58.53 | -0.96 | 0.68 | 26.35 | 31.22 | 23.80 | -13.05 | AbbVie Inc | ||
MRK | 26.48 | 17.00 | -3.80 | 14.96 | -1.21 | 39.33 | 21.99 | -7.33 | -0.68 | 48.42 | 0.77 | Merck & Co. | ||
LLY | 7.38 | 39.12 | 25.03 | -10.29 | 17.66 | 39.68 | 15.81 | 30.72 | 65.61 | 33.86 | 17.00 | Eli Lilly | ||
PFE | 25.96 | 5.09 | 7.22 | 4.34 | 15.46 | 24.27 | -6.94 | 1.12 | 64.66 | -10.52 | -25.02 | Pfizer Inc | ||
AGVO | 69.85 | 92.55 | 45.93 | 23.52 | 48.05 | 2.06 | 28.68 | 42.78 | 55.38 | -13.43 | 46.18 | Broadcom | ||
TMO | 75.53 | 13.06 | 13.70 | -0.11 | 35.00 | 18.22 | 45.51 | 43.65 | 43.48 | -17.29 | -5.14 | Thermo Fisher | ||
ABT | 10.44 | 19.75 | 1.89 | -12.16 | 51.34 | 28.70 | 21.86 | 27.71 | 30.19 | -20.66 | -5.37 | Abbott Laboratory | ||
DHR | 38.28 | 11.54 | 9.00 | 8.02 | 19.96 | 11.79 | 49.50 | 45.20 | 48.49 | -19.02 | -12.41 | Danaher Corp | ||
ACN | 26.26 | 10.99 | 19.38 | 14.30 | 32.87 | -6.07 | 50.93 | 25.61 | 60.09 | -34.66 | 14.62 | Accenture PLC | ||
NEE | 27.56 | 27.53 | 0.64 | 18.34 | 34.04 | 14.13 | 42.19 | 29.75 | 23.01 | -8.63 | -10.46 | NextEra Energy | ||
CMCSA | 41.18 | 12.93 | -1.04 | 24.76 | 17.37 | -12.69 | 33.92 | 18.52 | -2.08 | -28.41 | 14.50 | Comcast | ||
WFC | 36.19 | 23.72 | 1.85 | 4.17 | 12.88 | -21.34 | 20.92 | -41.64 | 60.97 | -11.65 | 1.31 | Wells Fargo | ||
LIN | 21.00 | 1.64 | -18.76 | 17.37 | 34.68 | 3.01 | 38.68 | 25.58 | 33.08 | -4.49 | 9.60 | Linde PLC | ||
PM | 8.45 | -2.07 | 12.89 | 8.76 | 20.09 | -32.56 | 34.38 | 2.87 | 20.67 | 11.84 | -8.99 | Philip Morris | ||
BMY | 68.49 | 13.79 | 19.06 | -13.39 | 7.53 | -12.57 | 26.64 | 0.20 | 2.89 | 18.86 | -9.72 | Bristol-Myers Sqb | ||
TRV | 28.79 | 19.28 | 8.87 | 10.79 | 13.11 | -9.48 | 17.06 | 4.96 | 13.93 | 22.20 | -7.61 | Travelers | ||
CAT | 3.26 | 3.66 | -22.54 | 40.99 | 73.26 | -17.28 | 19.19 | 26.04 | 15.93 | 18.11 | -10.59 | Caterpiller | ||
RTX | 41.44 | 3.13 | -14.23 | 16.83 | 18.86 | -14.31 | 43.41 | -26.72 | 23.15 | 19.78 | -6.46 | Raytheon Techn | ||
AMGN | 34.52 | 41.77 | 3.89 | -7.47 | 22.08 | 14.98 | 26.81 | -1.97 | 0.91 | 20.19 | -15.78 | Amgen Inc | ||
IBM | -0.15 | -12.20 | -11.11 | 24.61 | -4.02 | -21.86 | 23.58 | -1.23 | 16.37 | 10.34 | -6.17 | IBM | ||
HON | 46.60 | 11.40 | 5.80 | 14.74 | 34.74 | -8.61 | 36.51 | 22.22 | -0.20 | 4.68 | -8.63 | Honeywell | ||
Average | Average |
Four of the tickers (SHOP, GOOG C, PYPL, ROKU) here began later, so are missing a few early years of data (before that ticker existed). So if the last two columns (Gain and Annualized) have light blue color, it indicates some of the first span years (like 2013) have blank data. Or if both of the last two columns are blank, none of the selected span years had any data. It does compute accurate Gain numbers for the existing years, but a shorter year span is Not directly comparable to the others (Not the same years).
Annualized Return (Gain) is for whole years, and must not be computed if the data span includes an incomplete year, like the current year. It cannot be computed correctly then because the future is unknown. To see Annualized Return here, remove 2023 from the year span. That current year does show current YTD gain OK, but the future gain is unknown, and it will change every new market day. If no blank data years are included (no blue cells), the Annualized sort ORDER is the Same ORDER as the Gain column, and if span is only one single past year, Annualized is also same VALUE as the Gain column. The significance of the Annualized numbers is for a span of several years. (See a detailed description of Annualized Return.)
Annualized Return is the meaningful way to compare stock performance. It's useful and important because stock years have varied performance, some years are up big, some years less, or even a few years may be negative, and then those results are compounded by following years. So the actual gain performance over several years is not obvious. We can see the overall gain that was achieved, but that number depends on the number of years. To know a rate of gain that can be compared, Annualized Return computes a rate from the SAME compounded gain, but AS IF IT HAD BEEN A FIXED ANNUAL RATE, that same rate every year, which is the more logical way to compare actual long term performance. It computes the annual FIXED RATE that would give the SAME GAIN result in the SAME TIME PERIOD, which is then more comprehensible and is comparable to others.
S&P 500 50 year gain history calculator, concerned Withdrawal Depletion and a 4% Rule
S&P 500 daily Action, and Count of annual S&P 500 Record Highs
Withdrawing Stock Dividends is a Poor Investment Plan
(it's a withdrawal, Not new income)
Current U.S. CPI Inflation rate April 4.9% (a 33 year high)
U.S. Inflation Rate history 1913 - 2023
U.S. Fed Interest rate history 1955-2022
U.S. GDP growth rate history 1962-2020
U.S. National debt: $31.8 Trillion (graphs) Highest debt ever, even
more than WW II ratio of Debt to GDP (debt now is 125% of GDP)
Current bond fund performance examples:
Link | Name of Vanguard fund | SEC Yield 5/25 | 1 year Return 4/30 | Bond Duration 3/31 |
---|---|---|---|---|
VMFXX | Federal Money Market | 5.04% | 3.05% | No loss |
VFSUX | Short Term Bond | 4.85% | 1.78% | 2.7 years |
VSCSX | Short-Term Corporate Bond Index | 4.99% | 1.71% | 2.7 years |
VFIDX | Intermediate Term Bonds | 5.00% | -1.70% | 6.3 years |
VBLAX | Long Term Bond Index | 4.82% | -4.33% | 14.5 years |
Investing in bonds is very different than stocks. Increasing interest rates cause newly purchased bonds to pay more, but then resale value of existing bonds go down (less desirable to buy). However, if possible to hold until maturity, directly held bonds do still redeem at face value. Fighting the current high inflation, the U.S. Federal Reserve has continued increasing interest rates, so resale value of existing bonds are dropping. Bonds can be as volatile as stocks. There is more to it, see description at Things you need to know about the market.