A touch under 3%. I originally started about 20 years ago with $5K worth of individual stocks, and it's grown significantly over the years, mostly due to lucky guesses and neglect. It's a great lesson, proving that a monkey with darts can outperform trained financial experts. Whenever I get a wild hair to move outside my financial plan I look at my various choices, both the winners (Apple, Brk.b) , the losers (Enron, WorldCom), and the winner/losers (Cisco, Pfizer), and I realize that I have no idea why some succeeded and others failed. I still do occasional trading (every couple of years), mostly to reset cost bases when my tax bracket is low.