Hello from suburban Chicago. I'm new to the forum, having stumbled accross it just today after reading my fee-only advisor's summary of my rate of return for investments under his guidance.
My spouse insists on being "conservative" so our portfolio is only invested 50% in equities (via mutual funds), the rest in MMF or bonds (insured ones). The time-weighted RoR from 12/31/2005-7/31/2008 (after deduction of the financial advisor's cut) is "actual=5.21 %" and "annual=2.01 %." Seems pretty poor, but since I am financially challenged I don't really know whether this is totally out of whack or not. I hope that, as a result of signing up here, maybe someone can enlighten me!
My spouse insists on being "conservative" so our portfolio is only invested 50% in equities (via mutual funds), the rest in MMF or bonds (insured ones). The time-weighted RoR from 12/31/2005-7/31/2008 (after deduction of the financial advisor's cut) is "actual=5.21 %" and "annual=2.01 %." Seems pretty poor, but since I am financially challenged I don't really know whether this is totally out of whack or not. I hope that, as a result of signing up here, maybe someone can enlighten me!