December 28, 2019

 S & P 500 started out January 2nd, 2020 at 3,257; as of January 10th, it’s at 3,265 The annual, to date, point to point Rate of Return is 0%,  If you figured in the highs and lows, the actual Rate of Return 0%.

If using the Dow Jones Industrial Average for the benchmark, January 2nd, 2020 started at 28,868 and as of January 10th, the Dow is at 28,823 an annual, to date, point to point Rate of Return is 0%. If you figured in the daily highs and lows the actual Rate of Return to date is 0%.