It's my birthday. I'm 39 years old.
I've never liked the fact that time flies. But, owning stocks changes your perception of time. Time brings new results, which brings more money. I know, there's not only money in life, but it helps.
Since the beginning of 2018, the performance of my portfolio has been deceiving (about -2%). However, once again, my savings contributed well to the adjusted performance of the portfolio.
Since may of 2009, I keep track of the worth of my portfolio for each one of my birthdays. Here's how it looks (2009 being year 0).
May 2010: 75%
May 2011: 41%
May 2012: 38%
May 2013: 31%
May 2014: 50%
May 2015: 54%
May 2016: -8%
May 2017: 22%
May 2018: 19%
Adjusted average annual return: 36%
I believe that I've reached a point where it's gonna be very hard to achieve a performance over 20% given the size of the portfolio and given the fact that my savings don't have the same relative weight that they did in the past.
First and foremost, what's behind these numbers is a lot of discipline and control of costs. Some years, I’ve managed to save about 50% of my income. You have to be very very gifted to get a 36% annual performance without considerable savings.