Full results are in. A very satisfying year in terms of investment returns. 2023 Performance YTD My Portfolio: +44.8% Vanguard 500 Index: +26.11% Performance since inception (Jan 2021) My Portfolio: +20.35% Vanguard 500 Index: +31.76% (Based on an arbitrary starting amount of $10,000) My portfolio steadily beats the Vanguard 500 Index in 2024. In terms of 3 years returns, my portfolio still trails Vanguard 500 Index. But I'm confident that I could beat the index in terms of 5 years returns. If we evaluate the results in terms of CAGR, my portfolio has a CAGR of 6.35% across a three year period. That's certainly not bad results as this is better than what I could get from putting my money in CPF. For the index, the CAGR is around 9.61% across the same time period. In case anyone forgets, the index has a -18% return in 2022. Despite having a bad year, the index still returns a 9.61% CAGR across a three year period. This is  ...