Judgement Day 2019

So back in December 9, 2015, I wrote about how I was going to try my hand at managing an investment portfolio and give myself until 2020 to see if I could either outperform VTI or do better than 10% annual returns.

Suffice to say, I woefully lagged both of the conditions I set out for myself. Although the portfolio’s return was positive, it was nowhere near the ~14% annual average returns of VTI from December 9, 2015 to today.

As I meticulously tracked my performance every single month, I have a very accurate – and painful – view of my shortcomings. While it’s a shitty feeling to see that I didn’t live up to the goals I’d set out for myself, you have to accept reality for what it is.

Therefore, I’ve decided to throw in the towel early. I will no longer actively manage our investment portfolio.

What will likely happen going forward is that the vast, vast majority of our money set aside for investing will go into one of Vanguard’s Asset Allocation funds, specifically the Vanguard Balanced ETF.

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