{"id":19571,"date":"2025-01-09T15:41:46","date_gmt":"2025-01-09T15:41:46","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/annual-broad-asset-class-target-fund-returns-my-money-blog\/"},"modified":"2025-01-09T15:41:46","modified_gmt":"2025-01-09T15:41:46","slug":"annual-broad-asset-class-target-fund-returns-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=19571","title":{"rendered":"Annual Broad Asset Class &#038; Target Fund Returns \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Happy New Year!  \ud83c\udf89 \ud83e\udd73   Let\u2019s see how the year went for the broad asset classes that I track.   Per Morningstar, here are the total annual returns (includes price appreciation and dividends\/interest) for select asset classes as benchmarked by popular ETFs after market close 12\/31\/24.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/2024ytd1.gif\" alt=\"\" width=\"703\" height=\"686\" class=\"aligncenter size-full wp-image-82047\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/2024ytd2.gif\" alt=\"\" width=\"533\" height=\"410\" class=\"aligncenter size-full wp-image-82048\" \/><\/p>\n<p>I didn\u2019t include Bitcoin or any other crypto because I honestly don\u2019t track it, don\u2019t own it as part of my long-term portfolio, and would not advise my family to own it.  However, I acknowledge that it went up something like 120% this year.<\/p>\n<p>The \u201cset and forget\u201d <a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/performance\/vffvx\" rel=\"noopener\" target=\"_blank\">Vanguard Target Retirement 2055 fund (VFFVX) <\/a>, currently consisting of roughly 90% diversified stocks and 10% bonds, was up 14.6% in 2023.   <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/tdf2055_2024ytd.gif\" alt=\"\" width=\"700\" height=\"359\" class=\"aligncenter size-full wp-image-82050\" \/><\/p>\n<p><strong>Commentary.<\/strong>   2024 again shows that you want to stay in the game.   If you waited on the sidelines because stocks have historically high valuations and you were waiting for a dip\u2026 well, that didn\u2019t work out. The S&amp;P 500 had two great years in a row, the best two consecutive years in over 25 years according to the <a href=\"https:\/\/www.wsj.com\/finance\/stocks\/stocks-on-pace-for-best-two-years-in-a-quarter-century-c5b5f9b3?st=ksZEjp&amp;reflink=desktopwebshare_permalink\" target=\"_blank\">WSJ<\/a> (gift article):<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/sp500_wsj_2024ytd.gif\" alt=\"\" width=\"700\" height=\"560\" class=\"aligncenter size-full wp-image-82051\" \/><\/p>\n<p>Historically, the S&amp;P 500 annual return is negative in roughly every 1 in 4 years.  But holding through that volatility is part of the price you pay for the long-term returns.  For most of us, the best we can do is to \u201cstay the course\u201d and enjoy the up years while knowing that the down years will inevitably be sprinkled in there.   I try my best not to skip and ignore all the predictions, or even listen to daily market close announcements.   If you stand by the roulette table and stare long enough at the red and black numbers that come up, your mind will start to find patterns where they don\u2019t exist.  <\/p>\n<p>Instead, here are your cumulative returns through the end of 2024 if you had been a steady investor in the Vanguard Target Retirement 2055 fund over the past several years, despite the many, many problems of the world:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/tdf2055_2024cumulative.gif\" alt=\"\" width=\"700\" height=\"274\" class=\"aligncenter size-full wp-image-82049\" \/><\/p>\n<p>(These work great inside 401ks and IRAs.  I\u2019d <a href=\"https:\/\/www.mymoneyblog.com\/warning-avoid-buying-vanguard-target-retirement-funds-in-taxable-accounts.html\" target=\"_blank\">avoid buying Target Retirement funds in a taxable account<\/a>.)<\/p>\n<p>Holding cash would have been a lot less scary, but the returns would have been a lot less impressive.   I will post more about my personal portfolio changes and performance shortly.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Happy New Year! \ud83c\udf89 \ud83e\udd73 Let\u2019s see how the year went for the broad asset classes that I track. Per Morningstar, here are the total annual returns (includes price appreciation and dividends\/interest) for select asset classes as benchmarked by popular ETFs after market close 12\/31\/24. I didn\u2019t include Bitcoin or any other crypto because I [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19572,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[8425,10911,3767,11664,6079,11460,832,10970,3307],"dealstore":[],"offerexpiration":[],"class_list":["post-19571","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-annual","tag-asset","tag-blog","tag-broad","tag-class","tag-fund","tag-money","tag-returns","tag-target"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Annual Broad Asset Class &amp; Target Fund Returns \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=19571\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Annual Broad Asset Class &amp; Target Fund Returns \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Happy New Year! \ud83c\udf89 \ud83e\udd73 Let\u2019s see how the year went for the broad asset classes that I track. 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