how to get my rate of return

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how to get my rate of return

Postby coachz » Thu Mar 14, 2013 8:08 pm

I have been with Vanguard for over ten years. Their site only goes back five years on what my returns have been.

How can I get my annualized returns, also called the compound annual growth rate, to measure what my real return is and over the entire timeframe please?
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Re: how to get my rate of return

Postby bogleblitz » Thu Mar 14, 2013 9:46 pm

Use morningstar

http://portfolio.morningstar.com

Enter all your transactions, shares, and when you bought it. Then click performance
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Re: how to get my rate of return

Postby coachz » Thu Mar 14, 2013 9:48 pm

can vanguard give me an electronic copy of the last 13 years or so since I started with them ?
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Re: how to get my rate of return

Postby EmergDoc » Thu Mar 14, 2013 9:50 pm

Do you have records of your contributions and withdrawals? If so, you can XIRR them without any info from Vanguard other than current account value.

http://whitecoatinvestor.com/how-to-cal ... -function/
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Re: how to get my rate of return

Postby coachz » Fri Mar 15, 2013 9:27 pm

no i dont have these records. Can VG give me electronic copies of every transaction they have received from me ?
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Re: how to get my rate of return

Postby Strevlac » Fri Mar 15, 2013 9:54 pm

coachz wrote:I have been with Vanguard for over ten years. Their site only goes back five years on what my returns have been.

How can I get my annualized returns, also called the compound annual growth rate, to measure what my real return is and over the entire timeframe please?


I believe if you have made contributions during this period then you aren't looking for CAGR but rather your internal rate of return (IRR). CAGR is simply the growth rate of the balance, with no distinction as to whether that growth was caused by investment returns or new contributions.
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Re: how to get my rate of return

Postby JW Nearly Retired » Fri Mar 15, 2013 10:11 pm

coachz wrote: no i dont have these records. Can VG give me electronic copies of every transaction they have received from me ?

Ask them..... but I doubt they can since keeping all these records under a succession of computer systems is a royal pain. That's why you don't have any records
of your own. :)
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Re: how to get my rate of return

Postby xram » Fri Mar 15, 2013 10:30 pm

EmergDoc wrote:Do you have records of your contributions and withdrawals? If so, you can XIRR them without any info from Vanguard other than current account value.

http://whitecoatinvestor.com/how-to-cal ... -function/



you dont know of a good way to do this on MAC NUMBERS (does not have XIRR function), do you?
thanks
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Re: how to get my rate of return

Postby Rick Ferri » Fri Mar 15, 2013 10:35 pm

I included a simple time-weighted-return methodology in the Appendix 1 of my first book, Serious Money. The download is free.

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Re: how to get my rate of return

Postby Dandy » Sun Mar 17, 2013 10:24 am

Just curious (not being critical) as to why would you, and many others, want to know your rate of return? If it were simple to get - cool. But once you get it what are you going to do? It is based on investments when there was a bond market bull market and several equity corrections. Do you think it will help you determine future rate of returns? Is it to see if your individual asset management beat some index or fund? Will the results possible prompt you to change your allocation?

I just don't know what I would do with knowing my past rate of return. I generally get a good idea how I am doing by looking at my individual fund performances and change in dollar value of my portfolio.
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Re: how to get my rate of return

Postby Default User BR » Sun Mar 17, 2013 2:02 pm

Dandy wrote:Just curious (not being critical) as to why would you, and many others, want to know your rate of return?

That's always my question. Even assuming you figure it out accurately, what will you do with it? Admire it? I think there's almost nothing actionable in this. Making changes in investing approach based on it is likely to be a mistake.


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Re: how to get my rate of return

Postby coachz » Mon Mar 18, 2013 2:56 pm

That's easy to answer. If it turns out after over 10 years that I''m not making any money, I'll buy a DELI and make sandwiches instead.
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Re: how to get my rate of return

Postby Dandy » Mon Mar 18, 2013 3:09 pm

you can tell if you made money by looking at the change in dollar value of your portfolio. good luck with the portfolio or the deli.
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Re: how to get my rate of return

Postby coachz » Wed Mar 20, 2013 9:28 pm

the dollar value changes every month because I keep adding money. Regarding the deli, thanks !
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Re: how to get my rate of return

Postby bearwolf » Wed Mar 20, 2013 9:41 pm

xram wrote:
EmergDoc wrote:Do you have records of your contributions and withdrawals? If so, you can XIRR them without any info from Vanguard other than current account value.

http://whitecoatinvestor.com/how-to-cal ... -function/



you dont know of a good way to do this on MAC NUMBERS (does not have XIRR function), do you?
thanks
xram


The spreadsheet in google docs seems to have the xirr function. I haven't used it bit it is apparently in there.

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Re: how to get my rate of return

Postby LadyGeek » Wed Mar 20, 2013 10:25 pm

bearwolf wrote:The spreadsheet in google docs seems to have the xirr function. I haven't used it bit it is apparently in there.

BearWolf

You can find XIRR in LibreOffice Calc, which runs on a Mac (also Linux and Windows).
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