Real Rate of Return

 S & P 500 started out January 1st at 2,506; as of February 15,  it’s at 2,775. The annual, to date, point to point Rate of Return is 10%,  If you figured in the highs and lows, the actual Rate of Return 11%.

If using the Dow Jones Industrial Average for the benchmark, January 1st started at 23,327 and as of February 15, 2019  the Dow is at 25,883 an annual, to date, point to point Rate of Return is 10%. If you figured in the daily highs and lows the actual Rate of Return to date is 11%.