Continuing on my tradition from last year I have calculated my cumulative investment returns from 2006 until now against the SP500. The good news is that I am still pretty handily beating the SP500, especially when it comes to my individual stock investments, but the bad news is that I trailed the market by a few percentage points this year. Given my massive outperformance last year I can’t be too upset about trailing by a few points.

During the 9 years I have been tracking my investments closely enough to calculate returns the SP500 has produced annualized returns of 6.47%. During the same period of time all of the investments in my Retirement Nestegg have produced 7.36% annualized returns which is nice to be beating the market. But where I am really proud of is that my individual stock picks which now make up more than half of my portfolio have returned annualized returns of 12.17% which is nearly double what the SP500 has returned. If I am able to keep this up financial independence is not too far around the corner

Cummulative Returns By Year

Year	SP500	MFJ Nestegg	MFJ Stocks
2006	15.79%	14.37%	14.20%
2007	22.15%	20.66%	22.48%
2008	-24.78%	-37.23%	-22.84%
2009	-4.88%	-16.68%	4.77%
2010	6.99%	3.82%	43.47%
2011	7.32%	-1.92%	40.19%
2012	21.78%	15.85%	54.56%
2013	57.83%	74.01%	160.55%
2014	75.80%	89.51%	181.16%

Yearly Returns By Year

Year	SP500	MFJ Nestegg	MFJ Stocks
2006	15.79%	14.37%	14.20%
2007	5.49%	5.50%	7.25%
2008	-38.42%	-47.98%	-37.00%
2009	26.46%	32.75%	35.78%
2010	12.48%	24.60%	36.94%
2011	0.31%	-5.53%	-2.29%
2012	13.47%	18.12%	10.25%
2013	29.60%	50.20%	68.58%
2014	11.39%	8.91%	7.91%