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Stocks had the second-best year since the inception of my portfolio in 1998, with (SPY) return including dividends of 31.0%. This was exceeded only by the 32.0% return in 2003. Bonds also enjoyed a good return as lower interest rates resulted in capital gains. (AGG) total return was 8.7% for the year, the best of the decade. Information Technology, Communications Services, and Financials were the best performing sectors, and interestingly the only three to outperform the S&P as Tech pulled the whole average up with its 50.3% return. Energy