2.6% Yay! I bet the S&P! Why, you may ask, did I do so bad this year when I made 42% and 187% the previous years? Lets put it this way....when you find what you think is a sure thing, dont go all in on that trade. A stock I bought right before earnings came in 1 cent below estimates and the stock tanked 25% that day(which is really 50% when you use margin) Talk about the biggest overreaction of a stock ever. That was the first time in years that I ever went all in on one stock and it bit me in the ass. Will remember this experience for a long time to come and never do that again.