Real Rate of Return

 S & P 500 started out January 1st at 2,506; as of January 11,  it’s at 2,596. The annual, to date, point to point Rate of Return is .03%,  If you figured in the highs and lows, the actual Rate of Return .03%.

If using the Dow Jones Industrial Average for the benchmark, January 1st started at 23,327 and as of January 11, 2019  the Dow is at 23,995 an annual, to date, point to point Rate of Return is .02%. If you figured in the daily highs and lows the actual Rate of Return to date is .02%.