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I exit when I either no longer love the product or see a replacement product I like better. I have my accounts at Fidelity and my 10 year RoR is 33% vs 9.78% for the S&P 500 (31% going back to 2003 when I consolidated accounts there).

What I like about the approach is that product is a leading indicator and can be judged by anyone. The financials and stock price seem to trail the product by 1-3 years on both the upside and downside.

BTW I fully agree with the original premise of the thread and think if you try actively trade on financials, timing etc. as a part timer you will get smoked by the pros, sooner or later.



Thanks, that's really interesting. I guess you mean RoI and those are yearly numbers? You've multiplied your money by 17? If so, those are some great bets, congratulations.


You’re saying you made an average yearly return of 33% for 10 years?


No, it's 33% return in 10 year period, so like 3,3% in a year in average.


If it was that it would be a 2.9% return per year and massively underperfom the S&P500.




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