[quote=carlsbadworker]It is another year that my investment returns trails S&P 500 index. And guess which asset class has the best return in 2012?

The answer is Greek bonds! Both Greek/Portuguese bonds have return over 80% in dollar term in the past year.[/quote]

Actually, take note of this for the next 2-3 years. If you’re consistently underperforming benchmarks, that you tell you just to put it into benchmarks and not worry about it…

Lot’s of time, some folks hit a home run one year, only to crap out the next year and vice versus. Or someone doubles on one investment and loses bigtime elsewhere..

Also, size of the money also makes a difference, as an individual. Me thinks doing 60+% returns on say $10k is a lot easier than say doing 60+% returns on $100k or $1mil….

So what matters is are you consistently beating the benchmarks YOY. Only time will tell. If you are, great. If you’re not, we’ll then you just saved yourself a lot of headaches because you can just put stuff into a passive account and forget about it…