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Overall a pretty good year, beating the S&P-500 by a good amount due primarily to a solid investment in GOOG early in the year that paid off well.

		1Y		3Y		5Y
tecmo		+21.6%		+23.9%		+15.3%
S&P-500		+17.1%		+22.9%		$14.4%

I am still in the accumulation stage (although accumulations are now a tiny portion of the portfolio each year) so I am pretty much fully invested almost all the time. I did open up a small BND position this year that I will probably add to in 2026 as I get a bit more defensive (and I might make a big purchase [~5% of the portfolio will need to be liquidated] in the next 18 months that I want to be prepared for).

Investment Mix
Equities	95%
Cash		 3%
Bonds            2%

No major changes to my investments this year, I added a fair bit to GOOG (increased to 15% from 10% YoY), and played around with LULU as a speculative play. I trimmed MSFT for the first time in many years (moved that into BND).

Investments
US Index 		26%
MSFT			16%
GOOG			15%
BRK			14%
Global Index		11%
AAPL			 4%
CASH			 3%
OTHER			 3%
TD Bank			 2%
AMZN			 2%
BND			 2%
DG			 1%
DIS 			 1%
LULU			 1%

Indexes + BRK are my core holdings and are roughly 50% of my portfolio at all times. I have a mix of US indexes that so far has proven to be a drag on the portfolio. I would have been better off in SPY only the past few years for sure. I am not planning on throwing in the towel in this allocation just yet. If you look above, I am way overweight on MSFT, GOOG which sort of counters the equal weight (RSP, QQQE) indexes.

Index Performance

My US Index Funds are roughly
	SPY 	: 50%
	RSP	: 25%
	QQQE	: 25%


		1Y		5Y
SPY		+16.64%		+82.39%
QQQ		+20.40%		+95.80%
RSP		+ 9.64%		+50.20%
QQQE		+14.03%		+26.12%

Happy new year!

tecmo
...

Tecmo, well done! Looking at your results makes me wish I'd stayed more aggressive the last 10 years of working.

At the moment I have 35% in 3 foreign ETFs, 45% in bond funds including high yield, 8% US index and 6-10% growth stocks - depending on technicals & market health.

After getting killed like everyone else in '08-09 I became more cautious and set a goal of "growth with capital preservation". Target became beating a 60/40 using US and global asset class index ETFs. I use a tactical asset allocation approach with 60ish/40ish custom funds. (and several market health timing signals, which reduced the drawdown in the covid crash and in '22.

Each of the last 2 years I made about 10% average. I've beaten VBINX TTM but fallen behind a bit over 3 years & 5 years due to a tentative re-entry in 2023. And as widely known the S&P500 beat everything the last 10 years.

Added risk in second half of '25 with a few growth/momentum mechanical stock picks that did very well, and added a couple more N100s recently which have continued exploding. 5 month return of 65% has added 5% to the total portfolio balance - covering my expected withdrawal in year 1 of slightly early retirement.

FC

Now that we are in retirement it is a bit tougher trying to figure out returns. With raw numbers we were up a bit over 9%, throwing back in what we spent from the accounts it would be 12%.
Considering I'm fairly conservative and hold a lot of treasuries I'll take that any day.

I'm probably 50% stocks, 50% fixed income (mostly treasuries with some bond funds). I did move a bunch of money into international stocks in Jan 2025 so that helped a bunch along with some money in gold. I'm around 50% US/50% international stocks (maybe even less US stocks).

I need to simplify things since I have about 20 investments. Only about 6 individual stocks and a couple are so small it makes no sense keeping them except due to laziness.
I've been building up AOR (ishares fund similar to Vanguard's Lifestyle strategy mutual fund) and maybe will make that my prime ETF in non-taxable accounts.

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