I'm somewhere in the 9~12% range, and I'll go back and compute the IRRs for all of the individual accounts and the total portfolio New Year's Eve.
That said, I've been been keeping track of performance of all of my brokerage accounts throughout the year and found something interesting to ponder for the future. My 401K is my best performing account. I have a handful of brokerage accounts, 3 of them with Interactive Brokers, where commissions are dirt cheap. Meanwhile, my 401K, which is invested in stocks of my choosing, has commissions that are pretty expensive, $100 per trade. The heirarchy of XIRRs for my various accounts are as follows:
1. 401k (only equities, no shorting, no options...trades here tend to be establishing a full position or selling a position in full completely)
2. IRA (dirt cheap commissions with covered call trades, no shorting)
3. After-tax Accounts (dirt cheap commissions, shorting, covered calls, naked puts, etc...)
The more I did this year, the lower my returns. I'll keep track of this, but I'm of the mind that I need to simplify my approach and avoid overtrading going forward.