My Investment Portfolio Return for 2008

My portfolio suffered some major losses in 2008, down -18.8% to be exact.
The biggest losses came in the buy-and-hold accounts (401k, Janus and the 529 plan).
These accounts are long-term investments (15 to 20-year time horizon), so I am not concerned by what the market is doing in the short-term. I was able to max out my 401k contributions which should pay off in the long run.
In the actively traded accounts (Brokerage, Rollover and Roth IRA) I was mostly in cash for most of the year.



For the year 2008 the S&P 500 was down -37% after dividends (-38.49% before dividends).