Real Rate of Return

 S & P 500 started out January 1st at 2,695; as of November 9, 2018,  it’s at 2,781. 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 .07%.

If using the Dow Jones Industrial Average for the benchmark, January 1st started at 24,824 and as of November 9, 2018,  the Dow is at 25,989 an annual, to date, point to point Rate of Return is .04%. If you figured in the daily highs and lows the actual Rate of Return to date is .27%.