The end of 2012 posted a +14.1% return for the 2 for 1 model portfolio, a real IRA account in the editor’s name at E*Trade Securities. This was better than our 10.1% annualized return over the last 16 years, but only just about even with the overall market for the year. No complaints, but we look forward to beating the market again next year, as has been the norm since the newsletter was started in 1996.