Portfolio performance 2024

[K Douglas]

How did your portfolios perform in 2024? Mine did well.

RRSP account was up 23.5%. Much better than 2023 which was an increase of 8.4% and 2022 which was a decrease of 16.5%. My RRSP account is managed. I pay annual fees of about 1.45% of the net asset value. 3 year rate of return 5.1%.

Open account in my personal corporation was up 22.4% which was basically the same gain as I had in 2023. In 2022 I lost 16.9%. I personally manage this account. 3 year rate of return 9.3%. Its generally a riskier pool of assets than my RRSP. It's also about 1/10 the size of my RRSP value. Yes I own some Meta and Tesla stock in here. I wish I had held my Broadcom shares I sold off in May 2023 at US$71. Its worth $237 today. Nuts!

 

[Shaquille Oatmeal]

I just do couch potato investing with ETFs.
My RRSP did very well in 2023. Up 27% from 2023. In 2023 it was 10%.
Overall my portfolio went up 54% in 2024. Good year!

 

[tastingyou]

How did your portfolios perform in 2024? Mine did well.

RRSP account was up 23.5%. Much better than 2023 which was an increase of 8.4% and 2022 which was a decrease of 16.5%. My RRSP account is managed. I pay annual fees of about 1.45% of the net asset value. 3 year rate of return 5.1%.

Open account in my personal corporation was up 22.4% which was basically the same gain as I had in 2023. In 2022 I lost 16.9%. I personally manage this account. 3 year rate of return 9.3%. Its generally a riskier pool of assets than my RRSP. It's also about 1/10 the size of my RRSP value. Yes I own some Meta and Tesla stock in here. I wish I had held my Broadcom shares I sold off in May 2023 at US$71. Its worth $237 today. Nuts!

Fire your adviser. His value added is less than ZERO !! About 3 or 4 broad ETF's like XIU, XDY and VFV and ZQQ would have done much better with very low MER's. It has taken me many years to learn the KISS principle - keep it simple stupid. If the market corrects you will lose that year, but your adviser will lose you money too.

 

[Gators]

My direct investing was up 34%. So far I am up 2% lol

 

[K Douglas]

Fire your adviser. His value added is less than ZERO !! About 3 or 4 broad ETF's like XIU, XDY and VFV and ZQQ would have done much better with very low MER's. It has taken me many years to learn the KISS principle - keep it simple stupid. If the market corrects you will lose that year, but your adviser will lose you money too.

Not an option. He knows far more than I about investing. Plus I don't have the time to manage the portfolio. BTW, XIU is about 24% of my RRSP portfolio. Its the only Canadian content I hold, the rest is US and Asia.

 

[Shaquille Oatmeal]

Not an option. He knows far more than I about investing. Plus I don't have the time to manage the portfolio. BTW, XIU is about 24% of my RRSP portfolio. Its the only Canadian content I hold, the rest is US and Asia.

I recommend VEQT.
Its US, Canada and International.
It hasn't failed me.

 

[K Douglas]

I recommend VEQT.
Its US, Canada and International.
It hasn't failed me.

I'll look into it thanks.

 

[WetSeeker]

One year does not matter, you should look at 10 15 20 years and expect 80% plus and only 20% negative returns
One piece of advice, do a plan and determine what numbers you need for your personal RoR - it's good to know that 5 or 6% is enough.
No point swinging for the fences, you're more likely to experience losses and if your plan tells you to save more or spend less then do it.

 

[WetSeeker]

I have a few accounts DIY for nearly 20 years - primary account was 20.29% 2024 9.62 over 5 years 7.49 over 10 and 7.42 over 15 year net of fees
Mostly individual securities with a couple of ETFs and a couple of specialty funds - primary account has 23 positions and two negative returns
Do your plan to know the #s you need for your specific goals and invest long term money for the long-term - low portfolio turnover, do research and invest with conviction
If you don't have the time or interest then delegate to someone that can manage it for you, don't be a fool if you can't manage it and your emotions.

 

[Carvher]

My entire portfolio which consists of RRSP, TFSA, and investment account was up 26.50% not including dividends as I stopped the DRIP couple years back.
My TFSA was up 38% because I bought a lot of RDDT and it exploded. My RRSP is obviously much larger than my TFSA though.
My investment account was up less than the overall 26.50% as I have mostly Canadian dividend companies.
My investment account is smaller than my TFSA so it doesn't impact as much.

 

[K Douglas]

One year does not matter, you should look at 10 15 20 years and expect 80% plus and only 20% negative returns
One piece of advice, do a plan and determine what numbers you need for your personal RoR - it's good to know that 5 or 6% is enough.
No point swinging for the fences, you're more likely to experience losses and if your plan tells you to save more or spend less then do it.

No question. It's always about the long term. I won't be touching my RRSP for another 20 years when it turns into a RRIF.

 

[sprite09]

You guys need to adjust your performance for risk to see if youve actually outperformed passively investing in , say, an index fund based on the SPX.

eg Treynor for more diversified portfolios, Sharpe ratio for more concentrated portfolios (volatility aka standard deviation of a 3+ asset -portfilio is more difficult to calculate, but I'm sure there are online tools for it)