August 13th, 2022

 S & P 500 started out January 3rd, 2022 at 4,796 as of August 12, 2022 it’s at 4,280. 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 is -13%.

If using the Dow Jones Industrial Average for the benchmark, January 3rd, 2022 started at 36,585 and as of August 12, 2022 the Dow is at 32,803 an annual, to date, point to point Rate of Return is - 7%. If you figured in the daily highs and lows the actual Rate of Return to date is - 9%.