Showing my ignorance here, trying to understand long-term personal performance.
We haven't shifted very much in our taxable stock market index portfolio in the last 10 years, except recently in 2022 we sold bond funds to create a CD/treasury ladder.
If I look at the 10 year performances in the taxable index part (very little movement from us) an example:
10-year +7.4%
5-yr +6.6%
3-yr +8.6%
1-yr -9.3%
For an average, I'd add all the %s and divide by 10. How would I get the overall real rate of return for 10 years, not counting YTD?
We haven't shifted very much in our taxable stock market index portfolio in the last 10 years, except recently in 2022 we sold bond funds to create a CD/treasury ladder.
If I look at the 10 year performances in the taxable index part (very little movement from us) an example:
10-year +7.4%
5-yr +6.6%
3-yr +8.6%
1-yr -9.3%
For an average, I'd add all the %s and divide by 10. How would I get the overall real rate of return for 10 years, not counting YTD?