For me it was -36.94%, according to Quicken. If I had followed my desired asset allocation of 10% VBMFX, 67.5% VTSMX, and 22.5% VGTSX, and if I had rebalanced quarterly, and if I had not added any money during the year, I would have seen a return of -35.01%. So I was not too far off.

As you can see from this chart, I was at least above what I had contributed for most every quarter, except for Q4 2008. I am not worried, if the stock marker can drop that quick, it can come back quickly also. Besides, the big growth (as you may be able to see from the chart) will be from my contributions. Starting in Q4 2007 I started adding money like a crazy person.