Don’t Compare Your Investment Returns With Others (Especially On The Internet)

February 11th, 2023
47

Investors are competitive people.

When I was a Wall Street trader, work was all about the P&L (profit & loss). Higher P&L meant higher bonuses and faster promotions. A low P&L could mean getting laid off.

Regular investors, like professional Wall Street traders, also want to get high investment returns. The better your investment returns, the more money you’ll have for retirement, vacations, philanthropy, or other financial goals.

Everyone wants to know how their investments are doing. But more importantly, everyone wants to know how their investments are doing, compared to others.

At water coolers and doctor’s lounges, physicians love to compare their winners with others. The losing trades conveniently get forgotten.

But discussing your investment returns (or even looking at them) can sow seeds of discontent and envy, and may ultimately be counterproductive.

Everything is a Competitive Game

The need to compare ourselves with others stems from our competitive nature. This competitiveness can motivate you and drive you to work harder and do better.

The competitions and comparisons happen in sports, business, and life.

In any competitive game, people like to keep score. In sports, the rules are well-defined and the scoreboard is clear.

Winning feels good, not just for whatever prize you might receive but also for bragging rights amongst your friends or colleagues.

For some, life is a competitive game that is played to win. Whether it is having the nicest things, living the happiest life, or having the most money, we want more, and we compare our lives with those of others.

Social Media and Comparisons

Social media has made it easier than ever to compare our lives with others.

I’m sure you’ve read many articles describing how reading social media makes people less happy.

Just like sharing only your stock winners at the doctor’s lounge, many people only share their joys and successes with their friends on social media.

Everyone’s kids look so perfect and smiling in the photos on Facebook. That’s strange, because I have to scream at my kid “Smile! Look at the camera!” a hundred times before I’ll get one photo where one is smiling and the other is looking away.

Look at the camera!

In viewing the success and joys of others, we often create negative self-comparisons and feel inadequate about our own lives.

The Internet Feeds On Your Insecurity About Your Investment Returns

As we all know, no one talks about how they sold at the bottom of the market in 2009. No one talks about how they bought bitcoin for $12,000. They talk about how they bought Amazon in 1996. They talk about how they bought Bitcoin when it was $100.

When you’re feeling bad about your investment returns (whether you’ve lost money or made less money than you think you should have), the Internet is ready to sell you newsletters and other products.

I scrolled through some of the advertisements on Yahoo! Finance, and look what I found:

Advertisement #1

I know whether the stock market will go up or down in the future, and I’ll tell you in my paid newsletter rather than make billions of dollars for myself…

He must really know what he’s talking about. Let me click through and learn about his paid newsletter…

Here’s the next ad on the same page:

Advertisement #2

Tell me more! Tell me more! (Don’t you wish this wasn’t just a screenshot so you could click through and learn more?)

What am I doing wrong? I’m still working at the hospital and flying coach on commercial, while this guy is flying private after he made millions trading from home.

Motley Fool

Motley Fool is a stock picking website that plasters the internet with ads.

Here’s how they pitch themselves on their homepage:

Index fund investors bought all of these stocks as well…

My index funds never go up 14,680%. How am I missing out on investment returns that others are getting?

Comparing Investment Returns, Index-Fund Investor Style

I’m sure you’re saying to yourself that you’d never fall for those ads.

You know that stock picking and trading are losing strategies.

That’s why you invest in low-cost index funds and stay the course.

However, comparing investments returns with others isn’t just for Wall Street traders and armchair stock pickers.

Index fund investors compare their investment returns, too.

There is a longstanding thread on Bogleheads called “What are you up YTD?”, which asks readers to post their investment returns from January 1st to the current date (year-to-date or YTD).

Despite the fact that the Bogleheads forum community is all about index funds, passive investing, and staying the course, the selection bias in who chooses to post in these threads from year-to-year is noticeable.

In 2018, with the S&P 500 down 6%, you see a lot of people posting about stock/bond asset allocations of 60/40 and 50/50 portfolios.

In 2017, on the other hand, with the S&P 500 up 19%, a lot more of the younger readers with stock-heavy portfolios posted their returns.

These types of threads are one of the downsides of internet forums, for all the good they do in promoting discussion and a way to learn about topics.

If forums are used as an area of comparison, it can make users feel inadequate instead of empowering them to improve and do better.

I think this response in the Bogleheads YTD thread by LaLearning summarizes how you should think about your investment returns, as well as those of others:

Conclusion

It might be surprising to some people, but I have no idea how my portfolio did in 2018.

I probably lost money in 2018, because I invest in index funds and the indices fell in 2018.

I suppose if I calculated my investment returns and wrote a post about it, it would generate a lot of clicks.

But instead, I wrote this article, encouraging you to avoid comparing your returns with others.

To use a sports cliche, focus on the process of making good investment decisions, and the results will take care of themselves.

What do you think? Do you enjoy reading about other people’s investment returns? Does it make you feel better or worse about your own investments?

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  1. Welcome back! Hope you had a great month off.

    I think tracking your own returns is a useful exercise. Comparing them to those of others? Not so useful. In fact, it often provokes anxiety. Our 401(k) provider ranks us by percentile for 401(k) performance. I took sign out this am from a partner who was very worried that his were pretty low and he was anxious to hire someone to tell him what his allocation should be.

  2. Just another way to avoid trying to keep up with the Dr. Joneses. I also don’t pay too much attention to how my portfolio is doing. It won’t make any difference in what I do this year, so why bother taking the time to figure it out. If I don’t know how mine did, I can’t compare it to anyone else’s plan. Don’t order a test if the results will not alter your plan. I’m going to add this article to my Fawcett’s Favorites this Monday. Thanks.

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  3. I like to compare everything! But too myself…
    For instance, how much did I save this month compared to February 2018?
    As for others, I gave up comparing myself to them a while ago. The only place I still compare myself is in the blogosphere. So now that you posted something, I am going to have to get my act together and blog something too

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  4. You know, if I hadn’t looked at my performance in 2018 to write a post about how inconsequential the December decline was I’d have no idea what my return was. It’s not actionable so why would I track it?

  5. Comparison is the theft of joy.
    But if you compare things to when times where much harder then it can bring joy.
    Example your hot water breaks so you have to take a ice cold shower.
    200 yrs ago that would have been the norm, if you even got to take a shower

  6. Thanks for posting! Great reminder. I don’t really know what my returns are either, but growth for me at this point is still from savings rate more than anything else.

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      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

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  23. HOPEFULLY THIS REVIEW WILL SAVE SOMEONE OUT THERE!!!

    Am here to testify about the handwork of A Great Verified Hacker ( Mr Morris Gray )Who helped me recover back my lost funds from the hands of scammers who Ripped me off my money and made me helpless, I could not afford to pay my bills after the whole incident, But a friend of mine helped me out by given me the contact info of trusted Recovery Expert, his email: Morris gray 830 @ gmail . com contact him or chat him up on (+1- /607-69 )8-0239 ) and he will help you recover your lost funds If you have been a victim of any binary/ cryptocurrency or online scam, Mobile spy, Mobile Hack contact this Trusted and Verified hacker, He is highly recommendable and was efficient in getting my lost funds back, 11btc of my lost funds was refunded back with his help, He is the Best in Hacking jobs, contact him ( MORRIS GRAY 830 AT) GMAIL (DOT) COM.

  24. vI had all my cryptos saved in a digital wallet for years. When I upgraded to a new device, trying to log into my wallet on the new device proved abortive. I couldn’t access the funds in my wallet until I reached out to these tech gurus online and explained the state of things to me. I don’t need to write much about these hackers because this testimonial shows that those guys are experts in their crafts. Thank goodness these guys came to the rescue. Within hours, the problem was resolved and I’m now able to access my wallet again. They taught me how not to lose my wallet and guided me about Bitcoin Investment and mining BOTs.

  25. LOST BITCOINS RECOVERY TESTIMONY

    Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

  26. I’m a professional in all kinds of hacking services, which leads me into giving out a blank ATM card to all individuals & serious minded people only, We have help so many people and make them rich, this is real and guarantee sure our Atm will be attached to any serious buyer.

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  27. I agree. Comparison is at the heart of discontentment. Better to set up a sound financial plan with specific goals and stay disciplined to it. Comparing what I am doing to others is a sure way to blow up my plan.

  28. I’m a professional in all kinds of hacking services, which leads me into giving out a blank ATM card to all individuals & serious minded people only, We have help so many people and make them rich, this is real and guarantee sure our Atm will be attached to any serious buyer..

    HERE IS OUR PRICE LISTS FOR THE CARDS

    1,000 USD daily for 2 weeks cost 300 USD
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    1,000 USD daily for 2 months cost 800 USD
    1,000 USD daily for 3 months cost 1,000 USD
    1,000 USD daily for 6 months cost 1,600 USD
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  29. A MUST READ FOR ANYONE WHO HAS EVER FALLEN FOR CRYPTO SCAM BEFORE!!!

    My $1.65 million dolllars was stolen by a phoney wallet that refused to let me withdraw it. Their moniker was Coinbox/vip. When I launch the browser on my phone, the platforms page opens with the Coinbase logo. The legal description of their app wallet mentions Coinbase, and the help centre button links to Coinbase help. However, when I contacted Coinbase, they responded via email that they are not affiliated with Coinbox. Coinbox has now informed me that I must pay a 185k tax before receiving my funds. I immediately opened a case with Owlet tech recovery . com, a guaranteed recovery company, they patched me through MR MORRIS GRAY their smart contract developers on Whatsapp with [+1 (607) 698 0239 ] who then immediately performed a smart contract audit using digital triangulation from outsourced wallets. I’m crying right now as I just received a deposit of 127.4 Btc in my trust wallet. I’m now waiting for the Ethereum gas fee to come through so I can detach the remaining from outsourced wallets. his Email is: Morrisgray 830 @ gmail . com…

  30. Most recovery companies will take your money again. I personally think they are the same set of people that run all of them, seems like an unending cycle and its too sad. The most crazy thing about the whole internet thing is how you can clone a website to make it look like the real one, I discovered so many people fell into this kind of scams. The only recovery company I know that works is Darkrecoveryhacks @ gmail dot com, I have been to their physical address to meet them before and the good thing about them is that they will let you know if they can handle your case or not. So they will not just take your money when they already know they wont help you out.

  31. The team of hackers at “VIRTUALHACKNET” has really been of great help ever since I lost over $182k to a bitcoin scam website , I was devastated by the outcome of my whole investment journey with them “ fxntrade “. I had worked with Virtualhacknet team for over a week ,tracking down the funds I sent to them since they’ve moved the funds from one exchange to another to avoid any trace, but I’m glad that we finally got them at the end , finally I got back a total of $160k out of $182k which was my main profits that was held in the website. I’m so grateful that this people didn’t get away with this , at least there’s still hope for us who are the victims of such cruelty . I do recommend V I R T U A L H A C K N E T @ gmail dot com , this team is definitely the solution to you recovering your funds as well . Here’s their telegram ID @virtualhacknet . Best wishes .

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