How to measure portfolio performance?

I’ve been failing at creating a spreadsheet that accurately tracks my portfolio performance and compares this to the same investment in the stock market. I’m going to try this a slightly different way… via, not a spreadsheet (which should make it easy but doesn’t) and instead, in the form of a blog post. Let’s see if this works…

Today, I’m reviewing my Sharebuilder Taxable account, which was opened in 2008. So far, it’s looking like my investments have been… pretty bad. One can say they’ve been good because, had I not been investing in Sharebuilder, I would not have invested so aggressively. However, it looks like I’m down about $10k at the moment since my first investment. This can’t be 100% accurate since I’m counting my full investments and sales at the beginning of the years, and some of them did not have the full year to grow. Other than manually analyzing this for every single investment and the S&P value on that day, I’m not sure how to get a better analysis of the success or failure of these investments. For all you investing/math geniuses out there, any better ideas on how to review?

2008

  • SOY Account Value: $0
  • Invested: $2350
  • Withdrew: $0
  • Annual S&P %: -37%
  • If Invested in S&P: $1481
  • Actual Value EOY: $1542
  • Beat S&P by $61
  • Actual % Growth/Loss: -34.38%

2009 

  • SOY Account Value: $1542
  • Invested: $6000
  • Withdrew: $300
  • Total Value Active: $7242
  • Annual S&P %: 26.46
  • If Invested in S&P: $9155
  • Actual Value EOY: $10,792
  • Beat S&P by $1637
  • Actual % Growth/Loss: 49.02%

2010

  • SOY Account Value: $10,792
  • Invested: $24,271
  • Withdrew: $1,622
  • Total Value Active: $33,441
  • Annual S&P %: 15.06
  • If Invested in S&P: $38,477
  • Actual Value EOY: $47,675
  • Beat S&P by $9197.78
  • Actual % Growth/Loss: 42.56%

2011

  • SOY Account Value: $47,675
  • Invested: $28,350
  • Withdrew: $52
  • Total Value Active: $75,973
  • Annual S&P %: 2.11
  • If Invested in S&P: $77,576
  • Actual Value EOY: $66,552
  • Lost to S&P by -$11024.03
  • Actual % Growth/Loss: -14.16%

2012

  • SOY Account Value:  $66,552
  • Invested: $19,945
  • Withdrew: $2,498
  • Total Value Active: $83,999
  • Annual S&P %: 16
  • If Invested in S&P:  $97,438.84
  • Actual Value EOY: $95,241
  • Lost to S&P by -$2,197.84
  • Actual % Growth/Loss: 13.38%

2013

  • SOY Account Value: $95,241
  • Invested: $7308
  • Withdrew: $24897
  • Total Value Active: $77652
  • Annual S&P %: 32.39
  • If Invested in S&P: $102,803
  • Actual Value EOY: $81,540
  • Lost to S&P by -$21,263
  • Actual % Growth/Loss: 5.01%

2014

  • SOY Account Value: $81,540
  • Invested: 8150
  • Withdrew: 0
  • Total Value Active: $89,690
  • Annual S&P %: 13.69
  • If Invested in S&P:  $101,968
  • Actual Value EOY: $99,520
  • Lost to S&P by $2448
  • Actual % Growth/Loss: 10.96%

2015

  • SOY Account Value: $99,520
  • Invested: $0
  • Withdrew: $15,007
  • Total Value Active: $84,513
  • Annual S&P %: 1.38
  • If Invested in S&P: $85,679
  • Actual Value EOY: $92,190
  • Beat S&P by $6510
  • Actual % Growth/Loss: 9.08%

2016

  • SOY Account Value: $92,190
  • Invested: $0
  • Withdrew: $0
  • Total Value Active: $92,190
  • Annual S&P %: 11.96
  • If Invested in S&P: $103,215
  • Actual Value EOY:  $101,000
  • Lost to S&P by $2215.92
  • Actual % Growth/Loss: 9.56%

2017

  • SOY Account Value: $101,000
  • Invested: $0
  • Withdrew: $0
  • Total Value Active: $101,000
  • Annual S&P %: 20.49%
  • If Invested in S&P: $121,694
  • Actual Value EOY: $133,354
  • Beating S&P by $11659.10
  • Actual % Growth/Loss: 32.03%

SUMMARY

  • Total Behind: Lost $10,083 vs S&P Investment
  • My % Average YoY: 12.3%
  • S&P % Average YoY: 10.25%

I’m not sure how it’s coming out that the average YoY growth in my account was higher, yet I am down $10k from a 100% S&P investment. Perhaps if I didn’t sell so much of my Apple stock to buy my car, I would have been much further ahead. But at the time I thought I was overweight in Apple and it would be wiser to sell it vs other household brands.

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