As we’re wrapping up 2024, I was wondering how everyone’s investments performed this year. Was it a big win, steady growth, or a loss (hopefully not)?
For me, it was an up year but not as much as it could have been since I shifted my portfolio to a much more conservative allocation. Some of my individual stocks had a solid run, but that’s really just a small percentage of my holdings as I’m mostly in broad based index ETFs.
I made some progress rebalancing my portfolio to reduce risk as I inch closer to retirement. But that didn’t come easy. It was hard closing some positions and then watching them take off.
Did anyone adjust their investments based on inflation or interest rate trends this year?
Are there any investment changes you’re planning for 2025? I’m actually considering increasing my cash holdings as imo things look a bit pricey.
I have unfortunately lost overall.
My allocation is approximately 55% ASX200 45% employee share plan 5% Australian corporate bonds
ASX200 and bonds are up about 4%
My employee share plan is the big loser at a 16% loss but my personal belief is that this is temporary as the company is consistent and profitable.
The employee plan is basically buy 2 get 1 free so my loss is more than covered by this anyway.
2025 I have decided to put more towards the employee plan and I’m earning more than I expected so will put more into my investments overall
I’m glad you’re early. Unfortunately, I wasn’t smart enough and started later than most. But the market has been good to me and I was still able to make up for lost time.
I’m later than I should have. I am fortunate that Australia has a system of forced investing (superannuation) but this money is locked up until your 60s
I started investing properly to hopefully retire early about 1.5 years ago and I’m 32 now.
It was another great year for the S&P500, I’m up ~22% this year overall. How long the recent growth will last will last I’m not so sure, but 2023 and 2024 were great years. I still have a long way to go until retirement, so I’m not too concerned.
My stocks beat the S and P 500 which had a banner year because I’m invested in individual stocks in the Nasdaq 100 mostly but also I searched for some riskier growth stocks such as quantum. Recovered my losses from bad covid investments and more . And crypto is way up. So yeah can’t complain.
Keep invested, if you are not in you can’t win.
I did very well, had two hockey sticks which brought in a year’s salary at the job I just quit. Had two little guys brings me a nice Xmas bonus at the end of the year.
My portfolio is up 55% for 2024, and that’s coming off the highs in November, so not too shabby. Took some profits in November and December, so I have plenty of cash ready to deploy in 2025.
Last year and the previous year big cap stocks were just a surefire winner especially tech stocks.
This year will be the last year of the full on bull market I reckon if indeed it survives for the whole year.
I had previously only seen stonk as a sad comment on stocks dropping a lot… But now when checking, it could also be a stock worth watching to go up. So I learnt something new today, making the word stonk very confusing
And I’m not trying to be a smort ass by not giving a number, because it’s more math than I wanna do. I folded a 401k into my Traditional IRA held on Schwab so that juiced my “return” but if I had to lowball guess, I’d say 75%. But maybe 90%.
My boring stuff, CDs and what not, were locked in when rates were 5% or so— so that worked out well too. Altogether, yeah— good year.
Set up to do very well in 2025– if I have half the year I just had— well goddamn!
To answer the original thread, my portfolio is diversified quite a lot, and did good. Got roughly 7% on top of the market going up so happy as the markets were up quite a lot so an additional 7% on low and medium risk investments is good in my book
Wish you all an extremely successful 2025 in the market! It’s gonna be volatile so play safe but not too safe
