I started tracking my returns in 2006, and shown below is my starting account balance and the dates and amounts of all subsequent deposits:
12/31/2005 - 25,213
7/9/2007 - 10,000
1/22/2008 - 5,000
5/21/2008 - 10,000
10/6/2008 - 2,500
10/9/2008 - 2,500
10/28/2008 - 2,500
11/19/2008 - 1,200
2/13/2009 - 5,000
2/20/2009 - 2,500
2/23/2009 - 2,500
4/4/2011 - 25,000
6/15/2011 - 10,000
6/25/2012 - (10,000)
Starting Balance: $25,213
Deposits: $78,700
Withdrawals: $10,000
Current account balance (as of 12/31/2013): $267,482
IRR: 19.5%
Had I purchased/sold shares in the S&P (via index fund "SPY") with the above deposits/withdrawals (and reinvested dividends) my results would be as follows:
"S&P Portfolio" hypothetical account balance: $162,930
IRR: 10.1%
