[Poll] What was your 2013 return?
[Poll] What was your 2013 return?
2013 XIRR was 19.3%
2013 Asset allocation 35% US stock, 40% International stock, 25% bonds and cash.
Benchmark is 35% Total US stock market (VTI), 40% all-world stock ex-US (VEU),
20% Total Bond Market (BND) and 5% Money Market Prime (VMMXX).
Benchmark return=17.0%, so I beat my benchmark by 2.3 percentage points.
2013 XIRR by account:
My 401-K +19.5%
My taxable +15.7%
My IRA +22.3%
Her 401-K +14.3%
Her IRA +30.9%
Her ESOP +37.9%
2012 I beat my benchmark by 2.2 percentage points, 16.2% versus 14.0% for benchmark
2011 I lagged benchmark by 4.8 percentage points, -8.5% versus -3.7% for benchmark
2010 I beat my benchmark by 2.4 percentage points, 15.0% versus 12.6% for benchmark
2009 I beat my benchmark by 9.4 percentage points, 37.4% versus 28.0% for benchmark
2008 I lagged benchmark by 3.5 percentage points, -35.1% versus -31.6% for benchmark
2013 Asset allocation 35% US stock, 40% International stock, 25% bonds and cash.
Benchmark is 35% Total US stock market (VTI), 40% all-world stock ex-US (VEU),
20% Total Bond Market (BND) and 5% Money Market Prime (VMMXX).
Benchmark return=17.0%, so I beat my benchmark by 2.3 percentage points.
2013 XIRR by account:
My 401-K +19.5%
My taxable +15.7%
My IRA +22.3%
Her 401-K +14.3%
Her IRA +30.9%
Her ESOP +37.9%
2012 I beat my benchmark by 2.2 percentage points, 16.2% versus 14.0% for benchmark
2011 I lagged benchmark by 4.8 percentage points, -8.5% versus -3.7% for benchmark
2010 I beat my benchmark by 2.4 percentage points, 15.0% versus 12.6% for benchmark
2009 I beat my benchmark by 9.4 percentage points, 37.4% versus 28.0% for benchmark
2008 I lagged benchmark by 3.5 percentage points, -35.1% versus -31.6% for benchmark
70/30 AA for life, Global market cap equity. Rebalance if fixed income <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.
Re: What was your 2013 return?
Ours would be about 0.8*VSMGX + 0.1*(VFSUX + VBILX).
We took withdrawals and also rebalanced, so I have no idea what the exact number is. Even if I knew it, I would then have nothing specific to do with it. If there is a significant market event, we will change our withdrawals, not alter our AA.
L.
We took withdrawals and also rebalanced, so I have no idea what the exact number is. Even if I knew it, I would then have nothing specific to do with it. If there is a significant market event, we will change our withdrawals, not alter our AA.
L.
You can get what you want, or you can just get old. (Billy Joel, "Vienna")
Re: What was your 2013 return?
More than I deserved, I'm sure.
Re: What was your 2013 return?
One of those returns for which I hate being very early accumulator
TR 2045 - 22%
TR 2045 - 22%
When in doubt, http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939
Re: What was your 2013 return?
About 3%.
"The two most important days in someone's life are the day that they are born and the day they discover why." -John Maxwell
Re: What was your 2013 return?
According to Quicken, the return on my 69% stock and 31% fixed income portfolio was 18.27%.
Not bad.
Not bad.
A fool and his money are good for business.
Re: What was your 2013 return?
23%
72% stock /28% bond
72% stock /28% bond
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Re: What was your 2013 return?
26.14% (TSP L2050)
Too bad I'm just out of the gate, because it didn't do much for me.
Too bad I'm just out of the gate, because it didn't do much for me.
Re: What was your 2013 return?
18.34% on a 50%/50% portfolio.
Re: What was your 2013 return?
28.4% - ~90% stock/10% bond for most of the year (recently AA adjusted to more like 80:20)
Re: What was your 2013 return?
In my TSP just shy of 33% (100% equities). In my Roth, The Roths only around 20%.
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Re: What was your 2013 return?
Vanguard says 15.8% 62/32/5, cash is high, but I have my 2 years living expenses ready to go.
Re: What was your 2013 return?
9.76%
I'm still not staying the course. That will change as of tomorrow. I'll be 100% L2020 in my TSP. I will be 100% Target Retirement 2015 in both my Roth accounts for my wife and I. No longer am I going to try to time the market. If I am tempted to sell at a low, I'll post here to get all of you great advisers to help me stay the course. God bless you all.
I'm still not staying the course. That will change as of tomorrow. I'll be 100% L2020 in my TSP. I will be 100% Target Retirement 2015 in both my Roth accounts for my wife and I. No longer am I going to try to time the market. If I am tempted to sell at a low, I'll post here to get all of you great advisers to help me stay the course. God bless you all.
Re: What was your 2013 return?
Good plan.peddler12 wrote:9.76%
I'm still not staying the course. That will change as of tomorrow. I'll be 100% L2020 in my TSP. I will be 100% Target Retirement 2015 in both my Roth accounts for my wife and I. No longer am I going to try to time the market. If I am tempted to sell at a low, I'll post here to get all of you great advisers to help me stay the course. God bless you all.
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Re: What was your 2013 return?
21.83 % 79/21 Fidelity
25.5 % 75/25 Vanguard
25.5 % 75/25 Vanguard
Re: What was your 2013 return?
24% return for 2013.
100% global equities. Too bad my balances aren't big enough yet for this to really matter.
100% global equities. Too bad my balances aren't big enough yet for this to really matter.
Re: What was your 2013 return?
12.22% 45/51/4, equities, bonds, cash. Rebalanced to bonds several times during the year to reach almost 30 years living expenses in FI. It all matters much less now.
Re: What was your 2013 return?
15.49% on a 65 equities/35 bonds and cash portfolio.
With international as 30% of equities.
With international as 30% of equities.
Re: What was your 2013 return?
18.2% off an 80% eq/20% bonds split
40% US
30% INTL
10% REIT
15% TOTAL US BOND
5% TIP
40% US
30% INTL
10% REIT
15% TOTAL US BOND
5% TIP
You cannot control the actions of others. You can only control your reactions to their actions.
Re: What was your 2013 return?
23.24%. 90/10 stocks/bonds; 50/50 US/international.
Re: What was your 2013 return?
20.52% according to my 401k statement. All of my 401k money is in Vanguard's TR 2035 fund. My Roth is made up of the four individual funds (ETF's) that make up the 2035 fund. The return there, according to Vanguard, is 23.5%. Both funds were DCA'd throughout the year on each payday. Not sure why the return in the Roth is so much more, other than it wasn't rebalanced constantly as the TR fund would have been. The ER of the ETF's is lower but not that much lower. I rebalance the Roth using new contributions which possibly let the outperforming TSM fund run ahead until the next contribution.
Re: What was your 2013 return?
13.37%
Allocation is 42% US equities, 21% Intl equities, 27% Bonds, 10% Precious Metals (half gold, half silver).
-- Net worth increased by 25.4%.
-- Entered the two-comma club for the first time this year.
-- Saved 35% of gross income.
-- My investing gains, just barely, were bigger than my contributions. First time for that.
-- Best account returned 32% (a formerly managed account that has ETFs that I can't get rid of due to large gains).
-- Worst account was my precious metals which lost 29%.
All in all, a good year. I target 5% XIRR for all my retirement projections (I'm a tad conservative) so this year was successful, even if the "broad" stock market blew my portfolio away.
Allocation is 42% US equities, 21% Intl equities, 27% Bonds, 10% Precious Metals (half gold, half silver).
-- Net worth increased by 25.4%.
-- Entered the two-comma club for the first time this year.
-- Saved 35% of gross income.
-- My investing gains, just barely, were bigger than my contributions. First time for that.
-- Best account returned 32% (a formerly managed account that has ETFs that I can't get rid of due to large gains).
-- Worst account was my precious metals which lost 29%.
All in all, a good year. I target 5% XIRR for all my retirement projections (I'm a tad conservative) so this year was successful, even if the "broad" stock market blew my portfolio away.
Last edited by jaj2276 on Wed Jan 01, 2014 6:32 pm, edited 1 time in total.
Re: What was your 2013 return?
16.3%
AA: Equities/Bonds/Metals: 69/28/3
With in equities Domestic/Intl: 75/25
AA: Equities/Bonds/Metals: 69/28/3
With in equities Domestic/Intl: 75/25
Re: What was your 2013 return?
23.6% Not complaining about that one.
I did make some changes to that account mid year. It was in a target retirement fund, company stock, and some non-VG funds, but now it is total stock/total international and I put a little in the extended market index to increase my small/mid cap exposure.
I did make some changes to that account mid year. It was in a target retirement fund, company stock, and some non-VG funds, but now it is total stock/total international and I put a little in the extended market index to increase my small/mid cap exposure.
Re: What was your 2013 return?
I did over 20%.
More importantly, I just donated to this website. I hope the quality of discussions continues and the moderators do an excellent job keeping things tight. I donated because in such a huge up year, it is nice to give back to this community. Thanks to all.
More importantly, I just donated to this website. I hope the quality of discussions continues and the moderators do an excellent job keeping things tight. I donated because in such a huge up year, it is nice to give back to this community. Thanks to all.
Re: What was your 2013 return?
About 20%. Hard to manage considering all the contributions but I know my net worth, which is what I really care about, increased 27%
Re: What was your 2013 return?
ROTH 31%
IRA 27%
Non-IRA 23%
IRA 27%
Non-IRA 23%
Re: What was your 2013 return?
15.23%
70/30 mix, with 30% of equities international
70/30 mix, with 30% of equities international
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Re: What was your 2013 return?
21.44%______80% Stock (21% International / Emerging Markets) / 20% Bonds
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Re: What was your 2013 return?
23% with an 80/10/10 mix
pretty happy with that
pretty happy with that
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Re: What was your 2013 return?
24.63% at 100% stocks in 401k.
30% Large cap
29% small cap
8% REIT
6% emerging Markets
26% International
30% Large cap
29% small cap
8% REIT
6% emerging Markets
26% International
Re: What was your 2013 return?
20 - 22 %. Do not track more specifically . 88% stock, 12% bonds at present , but stocks exceeded 90% most of the year.
Ram
Re: What was your 2013 return?
about 9% on an approximately 30% equity 70% fixed income mix.
- Sunny Sarkar
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- Contact:
Re: What was your 2013 return?
19% for our 70/30 total market portfolio.
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle
Re: What was your 2013 return?
2013 Return: 14.41%
Asset allocation: 54/46
US 67%, Int'l 33%
US: TSM 55%, TSP C & S Funds: 45% (3:1 ratio C:S)
Int'l: FTSE All World ex US 48%, Total Int'l 34%, TSP I Fund 18%
Bonds: TSP G Fund 65%, Muni 15%, TIPS 11%, Savings Bonds 9%
Weighted average expense ratio: .066%
Comments: Portfolio balance has nearly doubled since 12/31/2008
Thank you Bogleheads!, Thank you TSP!, Thank you Mr Market!
Asset allocation: 54/46
US 67%, Int'l 33%
US: TSM 55%, TSP C & S Funds: 45% (3:1 ratio C:S)
Int'l: FTSE All World ex US 48%, Total Int'l 34%, TSP I Fund 18%
Bonds: TSP G Fund 65%, Muni 15%, TIPS 11%, Savings Bonds 9%
Weighted average expense ratio: .066%
Comments: Portfolio balance has nearly doubled since 12/31/2008
Thank you Bogleheads!, Thank you TSP!, Thank you Mr Market!
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Re: What was your 2013 return?
XIRR was 15.1% on an AA of 58/42
Re: What was your 2013 return?
12.3% at 45/55.
Equity in total stock and total international. Plus, my wife still owns some active management -- Fidelity Contra, Wellington.
Fixed was in stable value or bank CDs.
Status: Retired and in distribution. The return is adjusted for withdrawals, which were 1.9% of assets.
Equity in total stock and total international. Plus, my wife still owns some active management -- Fidelity Contra, Wellington.
Fixed was in stable value or bank CDs.
Status: Retired and in distribution. The return is adjusted for withdrawals, which were 1.9% of assets.
"have more than thou showest, |
speak less than thou knowest" -- The Fool in King Lear
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Re: What was your 2013 return?
Just curious why folks care what their returns are if they are passive investors?
If one chooses passive investing then your returns are directly related to the returns of the asset classes held in weighted amounts. So for a passive investor calculating how you did this year or next or last makes no sense. If you did well or not is mostly do to your asset allocation and nothing more (sound familiar??)
Now asking what your net worth is now and if your willingness, need, and ability to take risk has changed makes sense to see if one needs to change asset allocation. Comparing your portfolio to the appropriate benchmarks in weighted fashion even makes sense to see if one's tracking error is low to the planned asset allocation.
Good luck.
If one chooses passive investing then your returns are directly related to the returns of the asset classes held in weighted amounts. So for a passive investor calculating how you did this year or next or last makes no sense. If you did well or not is mostly do to your asset allocation and nothing more (sound familiar??)
Now asking what your net worth is now and if your willingness, need, and ability to take risk has changed makes sense to see if one needs to change asset allocation. Comparing your portfolio to the appropriate benchmarks in weighted fashion even makes sense to see if one's tracking error is low to the planned asset allocation.
Good luck.
"The stock market [fluctuation], therefore, is noise. A giant distraction from the business of investing.” |
-Jack Bogle
Re: What was your 2013 return?
Ouch, are you staying the course in 2014?jaj2276 wrote:13.37%
10% Precious Metals (half gold, half silver).
-- Worst account was my precious metals which lost 29%.
Warning: I am about 80% satisficer (accepting of good enough) and 20% maximizer
Re: What was your 2013 return?
Vanguard reports my 2013 performance as 20.8% (80/20 allocation). That's not especially reflective of my actual return, though. My assets at Vanguard increased substantially over the course of the year (roughly tripled) due to consolidating accounts and putting new money to work. I haven't sat down yet and done all the number crunching to figure out the overall return--and likely won't be in a hurry to do so.
Re: What was your 2013 return?
19.3% on 80/20 stocks/bonds
Re: What was your 2013 return?
Vanguard returns for past 1 year = 21.4%
75.3 Stocks (30% stocks international)
24.7 bonds
I need to do some rebalancing.........but always find that very challenging to actually DO.
lafder
75.3 Stocks (30% stocks international)
24.7 bonds
I need to do some rebalancing.........but always find that very challenging to actually DO.
lafder
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Re: What was your 2013 return?
18.4%
73/27 ending allocation, target 70/30; 30-40% international
I don't necessarily do this calculation for return purposes, other than to ensure allocation is on target. I just want to see the balances increase (don't we all? ).
73/27 ending allocation, target 70/30; 30-40% international
I don't necessarily do this calculation for return purposes, other than to ensure allocation is on target. I just want to see the balances increase (don't we all? ).
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions
Re: What was your 2013 return?
What is important is how much you keep versus how much you earn. I heard Louis Rukeyser say something like that decades ago and it is still true today.
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Re: What was your 2013 return?
17.4% with a 65/35 stock/bond mix. Stock allocation is 70% US with a small slice of SCV, and 30% Intl. Bond allocation is mostly TBM with some ibonds and eebonds.
My first complete year as a Boglehead. Thanks to everyone here and Happy New Year!
My first complete year as a Boglehead. Thanks to everyone here and Happy New Year!
Tomorrow never knows.
Re: What was your 2013 return?
staythecourse wrote:Just curious why folks care what their returns are if they are passive investors?
If one chooses passive investing then your returns are directly related to the returns of the asset classes held in weighted amounts. So for a passive investor calculating how you did this year or next or last makes no sense. If you did well or not is mostly do to your asset allocation and nothing more (sound familiar??)
Now asking what your net worth is now and if your willingness, need, and ability to take risk has changed makes sense to see if one needs to change asset allocation. Comparing your portfolio to the appropriate benchmarks in weighted fashion even makes sense to see if one's tracking error is low to the planned asset allocation.
Good luck.
+1 exactly what was going through my mind as I read the replies to the post.
Even educators need education. And some can be hard headed to the point of needing time out.
Re: What was your 2013 return?
17.1% Total Portfolio
24.5% Equities
36.1% Domestic
38.5% Domestic Small Cap Value (VBR/PXSV)
30.0% S Fund
15.3% International
20.9% International Developed (VEA/I Fund)
-10.8% International Emerging (VWO/IEMG)
20.7% VSS
2.9% Fixed Income
1.9% G Fund
4.0% NFCU Special CDs
3.0% NFCU EasyStart CD
4.7% Mango Savings Account
4.7% Union Plus Savings Account
2.0% EFA/VEA/SCHF Options TLH Strategy
My split is 80/20 in retirement accounts, but these return numbers include my emergency fund. I'm about 65/35 including the e-fund. I was also about 50/50 earlier in the year when I had a big chunk in the G Fund for a few months before taking a TSP loan for a home down payment. I have slightly more international than domestic (market weight split).
24.5% Equities
36.1% Domestic
38.5% Domestic Small Cap Value (VBR/PXSV)
30.0% S Fund
15.3% International
20.9% International Developed (VEA/I Fund)
-10.8% International Emerging (VWO/IEMG)
20.7% VSS
2.9% Fixed Income
1.9% G Fund
4.0% NFCU Special CDs
3.0% NFCU EasyStart CD
4.7% Mango Savings Account
4.7% Union Plus Savings Account
2.0% EFA/VEA/SCHF Options TLH Strategy
My split is 80/20 in retirement accounts, but these return numbers include my emergency fund. I'm about 65/35 including the e-fund. I was also about 50/50 earlier in the year when I had a big chunk in the G Fund for a few months before taking a TSP loan for a home down payment. I have slightly more international than domestic (market weight split).
Re: What was your 2013 return?
Here's a link on how to compute your return using Excel xirr
http://whitecoatinvestor.com/how-to-cal ... -function/
http://whitecoatinvestor.com/how-to-cal ... -function/
70/30 AA for life, Global market cap equity. Rebalance if fixed income <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.