month ago I was asked, whether I know if I outperform index with my "active investing". Whether with passive investing to SP500 I wouldn't be doing better. I didn't know the answer, I remember that I expected to be doing 8% a year on average, so I was happy with my current 17.6% XIRR.
Today I got to it and tried to calculate what would be the result if I would be buying SPY instead of individual stocks. To my surprise, SPY would outperform me by 2500 USD on my ~29k portfolio. I might have higher dividend yield, but that does not make significant difference. Also numbers are not precise, as for SPY I only use monthly prices, but it should more or less match.
https://www.digrin.com/portfolio/24-dgi/performance/
EDIT:
ok, it's just 600 USD below. I head a 700 usd sell transaction in December 2018 and in new page I was calculating it as buy transaction for SP500 ETF. This was previous version of graph - https://monosnap.com/file/XTh7FwEF5QzM2f...4bUspWCOyT
Today I got to it and tried to calculate what would be the result if I would be buying SPY instead of individual stocks. To my surprise, SPY would outperform me by 2500 USD on my ~29k portfolio. I might have higher dividend yield, but that does not make significant difference. Also numbers are not precise, as for SPY I only use monthly prices, but it should more or less match.
https://www.digrin.com/portfolio/24-dgi/performance/
EDIT:
ok, it's just 600 USD below. I head a 700 usd sell transaction in December 2018 and in new page I was calculating it as buy transaction for SP500 ETF. This was previous version of graph - https://monosnap.com/file/XTh7FwEF5QzM2f...4bUspWCOyT