Search found 820 matches

by madsinger
Fri Dec 02, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2016)
Replies: 5
Views: 632

Re: madsinger monthly report (November 2016)

A pretty quiet month. Nothing really to report here... OR MAYBE NOT!!! Yes, November was quite a month for the markets. US stock markets up 3% to 6% for large caps, and as high as 10% for small cap value. Bonds were down in the -2% to -3% range. International stocks down in the -1% to -2% for develo...
by madsinger
Fri Dec 02, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2016)
Replies: 5
Views: 632

madsinger monthly report (November 2016)

Here is a big fat collection of portfolios, with their November 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 11 months, 10 years 11 months, 5 years 11 months, 3 years 11 months). I broke them into four categories, roughly corresponding to 100/0, 80/...
by madsinger
Wed Nov 02, 2016 10:15 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2016)
Replies: 3
Views: 527

Re: madsinger monthly report (October 2016)

Not a lot of places to hide in October. US and International large caps down -1% to -2%. Small caps down -3% to -4%. Bonds lost a -0.1%. REITs were down over -5%, precious metals down over -6%. Of all of the funds I track, only the Emerging Markets fund was up, +0.6%. Madsinger permanent portfolio: ...
by madsinger
Wed Nov 02, 2016 10:04 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2016)
Replies: 3
Views: 527

madsinger monthly report (October 2016)

Here is a big fat collection of portfolios, with their October 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 10 months, 10 years 10 months, 5 years 10 months, 3 years 10 months). I broke them into four categories, roughly corresponding to 100/0, 80/2...
by madsinger
Fri Oct 07, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2016)
Replies: 9
Views: 1389

Re: madsinger monthly report (September 2016)

Better late than never? This was a busy week for me, sorry for the delay in posting. Not too many swings this month. US stocks mostly flat, between -0.5% and +0.5% returns. Bonds a little lower. Internationals had a better month, up between +1.5% to 2.5%. A little more swing in the sectors, Precious...
by madsinger
Fri Oct 07, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2016)
Replies: 9
Views: 1389

madsinger monthly report (September 2016)

Here is a big fat collection of portfolios, with their September 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 9 months, 10 years 9 months, 5 years 9 months, 3 years 9 months). I broke them into four categories, roughly corresponding to 100/0, 80/20,...
by madsinger
Wed Oct 05, 2016 12:45 pm
Forum: Forum Issues and Administration
Topic: Does anyone know where Madsinger is with his monthly report?
Replies: 4
Views: 997

Re: Does anyone know where Madsinger is with his monthly report?

This is a very busy week for me...so I'm running a bit behind. I hope to post the report soon!

Thanks,
Brad.
by madsinger
Fri Sep 02, 2016 9:41 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2016)
Replies: 3
Views: 973

Re: madsinger monthly report (August 2016)

investor wrote:Thanks Brad,
just PM'ed you the August returns.

Wellington and Wellesley look fine, as always.

investor


Thanks, investor. The chart has been updated.

-Brad.
by madsinger
Thu Sep 01, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2016)
Replies: 3
Views: 973

Re: madsinger monthly report (August 2016)

By the end, a rather tame summer month. Stocks up 0-1%, bonds down a little. Gold fell a little over -3%, and the VGPMX fund fell -14% (but still up over 70% for the year). REITs fell about -3.5%. The permanent portfolio had its worst month of the year (with both long bonds and gold dropping), but t...
by madsinger
Thu Sep 01, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2016)
Replies: 3
Views: 973

madsinger monthly report (August 2016)

Here is a big fat collection of portfolios, with their August 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 8 months, 10 years 8 months, 5 years 8 months, 3 years 8 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60...
by madsinger
Tue Aug 02, 2016 11:41 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2016)
Replies: 13
Views: 1974

Re: madsinger monthly report (July 2016)

updated with Newsletter returns for July.
by madsinger
Mon Aug 01, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2016)
Replies: 13
Views: 1974

Re: madsinger monthly report (July 2016)

Portfolios up in July. Stock funds up in the 3% to 5% range. Bonds up 0.5% to 1.0%. Vanguard's precious metals and mining fund up another 11% to reach a year to date return of 98%. All three non-cash components of the permanent portfolio had a good month...3.65% for S&P 500 and 2% for long bonds...
by madsinger
Mon Aug 01, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2016)
Replies: 13
Views: 1974

madsinger monthly report (July 2016)

Here is a big fat collection of portfolios, with their July 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 7 months, 10 years 7 months, 5 years 7 months, 3 years 7 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/4...
by madsinger
Fri Jul 01, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1272

Re: madsinger monthly report (June 2016)

updated chart with Newsletter returns included.
by madsinger
Fri Jul 01, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1272

Re: madsinger monthly report (June 2016)

Madslinger, any particular reason why you use long bonds instead of intermediate/short ones? For the "permanent portfolio" portion of my investments, I'm following the ideas laid out originally by Harry Browne and more recently written about by Craig Rowland in the book: "The Permane...
by madsinger
Fri Jul 01, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1272

Re: madsinger monthly report (June 2016)

Roller coaster month! By the end of the month, the return numbers seem relatively normal, but it was quite a ride during the month. US stocks in the 0% to 1% range for the month. Internationals range from -4.4% in Europe Fund to +5.0% in Emerging Markets with the Vanguard Total International coming ...
by madsinger
Fri Jul 01, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1272

madsinger monthly report (June 2016)

Here is a big fat collection of portfolios, with their June 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 6 months, 10 years 6 months, 5 years 6 months, 3 years 6 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/4...
by madsinger
Tue Jun 28, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: compare Balanced to Total Stock & Total Bond
Replies: 8
Views: 787

Re: compare Balanced to Total Stock & Total Bond

Your total return numbers for these funds are not correct. You may use a tool like Morningstar to get total returns for these funds: http://quotes.morningstar.com/chart/fund/chart?t=VBAIX&region=usa&culture=en-US I used this tool to find the total returns for the funds you listed from 6/1/20...
by madsinger
Sat Jun 04, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 2094

Re: Is Cricket Wireless down for lots of people?

Late to the party here...but I was down from about 7pm last night until after midnight (Boston area). When I got up this morning, I had service. I felt a little silly because I just convinced someone this week to switch to Cricket! d'oh! Been using it over a year and have had zero problems....until ...
by madsinger
Thu Jun 02, 2016 9:47 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2016)
Replies: 14
Views: 1558

Re: madsinger monthly report (May 2016)

The chart has been completed with portfolio returns for May. Mel, I will consider adding the midcap index to the "all stocks" portion of the chart. I have not wanted to arbitrarily add things that have recently come into fashion...but I believe you've been asking for midcaps in the chart f...
by madsinger
Wed Jun 01, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2016)
Replies: 14
Views: 1558

Re: madsinger monthly report (May 2016)

Sure would like to see "Mel's Unloved Mid-Caps" added to these regular monthly reports, Brad. Any chance of that happening? For you, Mel? Okay! I used the "investor" share values (VIMSX) because that is the class I use for all portfolios here. Comparing the Midcap index fund wit...
by madsinger
Wed Jun 01, 2016 9:01 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2016)
Replies: 14
Views: 1558

Re: madsinger monthly report (May 2016)

US stocks up 1% to 2% for the month. Internationals down a little. Bonds were flat. Gold dropped -6%, and the precious metals fund fell over -10%. Permanent portfolio was dragged down a bit by gold, but YTD this has been a net positive. STOCK LONG BOND CASH GOLD PORTFOLIO January -4.97% 5.24% 0.09% ...
by madsinger
Wed Jun 01, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2016)
Replies: 14
Views: 1558

madsinger monthly report (May 2016)

Here is a big fat collection of portfolios, with their May 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 5 months, 10 years 5 months, 5 years 5 months, 3 years 5 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/40...
by madsinger
Mon May 02, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2016)
Replies: 2
Views: 620

Re: madsinger monthly report (April 2016)

April bounced around but ended mostly positive for the portfolios. The "blowout number" to look at the Precious Metals and Mining fund...up almost 30% for the month and almost 70% year-to-date. Of course, this fund has been down a lot the last few years, so it's all kind of RTM. The "...
by madsinger
Mon May 02, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2016)
Replies: 2
Views: 620

madsinger monthly report (April 2016)

Here is a big fat collection of portfolios, with their April 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 4 months, 10 years 4 months, 5 years 4 months, 3 years 4 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/...
by madsinger
Mon Apr 11, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Anybody use a Motorola Moto X smartphone?
Replies: 17
Views: 1766

Re: Anybody use a Motorola Moto X smartphone?

I use Moto X (2nd generation) with Cricket (just like pochax, I think). Very happy with it. Fingerprint sensor not a big deal for me. It's easy for me to plug in at work, so battery life has not been an issue...but could be if I wasn't able to plug in, I suppose. 16Gb seems fine for me, but I don't ...
by madsinger
Sun Apr 03, 2016 12:18 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2016)
Replies: 11
Views: 1985

Re: madsinger monthly report (March 2016)

Which one is the 40% stock / 60% bond investment? The 40/60 portfolios are represented by: Wellesley Income Fund, the Life Strategy Conservative Growth Fund and the "Newsletter Income" portfolio (although I've been told that the Newsletter Income fund typically has a higher stock percenta...
by madsinger
Fri Apr 01, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2016)
Replies: 11
Views: 1985

Re: madsinger monthly report (March 2016)

The newsletter website has a couple of inconsistencies in the numbers. I am guessing that the Newsletter Growth Index portfolio is +2.0% YTD, not -2.0%, and the Income portfolio is +0.9% YTD not -0.9%. Is there anyone out there that can confirm this? This is how I have entered the numbers on the cha...
by madsinger
Fri Apr 01, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2016)
Replies: 11
Views: 1985

Re: madsinger monthly report (March 2016)

madsinger permanent portfolio returns: STOCK LONG BOND CASH GOLD PORTFOLIO January -4.97% 5.24% 0.09% 5.38% 1.25% February -0.18% 3.20% 0.08% 11.22% 3.47% March 6.72% 0.06% 0.09% -0.92% 1.45% YTD 1.23% 9.03% 0.26% 16.13% 6.28%
by madsinger
Fri Apr 01, 2016 3:27 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2016)
Replies: 11
Views: 1985

madsinger monthly report (March 2016)

Here is a big fat collection of portfolios, with their March 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 3 months, 10 years 3 months, 5 years 3 months, 3 years 3 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/...
by madsinger
Tue Mar 01, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2016)
Replies: 5
Views: 1046

Re: madsinger monthly report (February 2016)

February, while volatile, ended rather tamely. Most portfolios within a percentage point of flat. A couple of wild outliers: Vanguard precious metals and mining fund up over 23% for the month! Gold itself up over 11% for the month. Long bonds up over 3% for the month, on top of a 5% gain in January ...
by madsinger
Tue Mar 01, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2016)
Replies: 5
Views: 1046

madsinger monthly report (February 2016)

Here is a big fat collection of portfolios, with their February 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 2 months, 10 years 2 months, 5 years 2 months, 3 years 2 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, ...
by madsinger
Wed Feb 10, 2016 11:34 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2016)
Replies: 7
Views: 1547

Re: madsinger monthly report (January 2016)

Hit a rebalancing band yesterday. Sold some Long Bond mutual fund (up +8.85% YTD) and bought Total International Fund (down -10.52% YTD). While my "gut" thinks selling long bonds feels right (these rates are "sure" to rise, right?), buying the international stock fund (can only k...
by madsinger
Tue Feb 02, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2016)
Replies: 7
Views: 1547

Re: madsinger monthly report (January 2016)

Chart has been updated with Newsletter returns. Others have pointed out over the past few years that the newsletter's portfolios are more stock heavy than the others in the chart. I have resisted moving them from their "growth", "moderate growth", "conservative growth" ...
by madsinger
Tue Feb 02, 2016 12:53 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2016)
Replies: 7
Views: 1547

Re: madsinger monthly report (January 2016)

investor wrote:Thanks Brad.
here is your missing newsletter information
January and YTD
Growth (6.5)%
Cons Gtrowth (5.8)%
Income Model (3.4)%
Growth Idx (5.0)


investor


Thank you investor! I will update my charts in the morning (after a few hours of sleep)!

-Brad.
by madsinger
Mon Feb 01, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2016)
Replies: 7
Views: 1547

Re: madsinger monthly report (January 2016)

No surprises here, assuming you have heard anything about the stock market in the past month. Stock funds lost in the range of -5% to -7% for the month of January. REITs a little less bad at -3.36%, precious metals fund down -2.2%. Bonds were up for the month, Total Bond fund up 1.43%. The permanent...
by madsinger
Mon Feb 01, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2016)
Replies: 7
Views: 1547

madsinger monthly report (January 2016)

Here is a big fat collection of portfolios, with their January 2016 returns, 2016 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 1 month, 10 years 1 month, 5 years 1 month, 3 years 1 month). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/40...
by madsinger
Tue Jan 05, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to figure out when to switch funds??
Replies: 4
Views: 440

Re: How to figure out when to switch funds??

I assume that all of the dividends, short term gains and long term gains that you posted above were "already distributed" during the 2015 calendar year. You will pay taxes on these gains with your 2015 tax return. (also, the reason you may not "have access" to tax information, is...
by madsinger
Tue Jan 05, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: How to figure out when to switch funds??
Replies: 4
Views: 440

Re: How to figure out when to switch funds??

You probably have long term capital gains dating back from 2013. It is very likely that contributions made in this past year (2015) are showing short term losses (but you'll have to check your account). If this is true, then I would just exchange your high cost funds to Spartan's right away. You wil...
by madsinger
Tue Jan 05, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2015)
Replies: 6
Views: 1258

Re: madsinger monthly report (December 2015)

Looking ahead to 2016, for the "hot hands" idea (best performing diversified fund from previous year), a sorting of the Vanguard funds by asset class shows: Domestic: US Growth 8.47% International: International Explorer: 8.60% Sector: Health Care: 12.65% I will select one of these. I don'...
by madsinger
Tue Jan 05, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2015)
Replies: 6
Views: 1258

Re: madsinger monthly report (December 2015)

2015 is in the books, and the portfolio returns are mostly flat across the board. Full year returns all within a couple of percentage points of zero. The biggest hit to portfolios were anything gold/energy/natural resources (precious metals fund down over -29%). Also, emerging markets down over -15%...
by madsinger
Tue Jan 05, 2016 10:28 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2015)
Replies: 6
Views: 1258

madsinger monthly report (December 2015)

Here is a big fat collection of portfolios, with their December 2015 returns, 2015 YTD return, and annualized returns since 1999, 2006, 2011 and 2013 (17 years 0 months, 10 years 0 months, 5 years 0 months, 3 years 0 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, ...
by madsinger
Tue Dec 08, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my XIRR spreadsheet
Replies: 12
Views: 1836

Re: Critique my XIRR spreadsheet

As someone else pointed out, your "absolute return" line is a little strange. It's simply how big your account is now relative to the first deposit. I'm not sure how meaningful that is. As for your XIRR, it looks correct to me. As for re-invested dividends, you don't really need to count t...
by madsinger
Fri Dec 04, 2015 4:32 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2015)
Replies: 5
Views: 1511

Re: madsinger monthly report (November 2015)

A few days late...I was out of town this week. Gold got crunched in November, so the madsinger portfolios got hit accordingly. Here's the returns for the permanent portfolio: STOCK LONG BOND CASH GOLD PORTFOLIO January -3.14% 9.37% 0.08% 8.37% 3.40% February 5.68% -5.65% 0.08% -5.79% -1.43% March -1...
by madsinger
Fri Dec 04, 2015 4:28 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2015)
Replies: 5
Views: 1511

madsinger monthly report (November 2015)

Here is a big fat collection of portfolios, with their November 2015 returns, 2015 YTD return, and annualized returns since 1999, 2005, 2010 and 2012 (16 years 11 months, 10 years 11 months, 5 years 11 months, 3 years 11 months). I broke them into four categories, roughly corresponding to 100/0, 80/...
by madsinger
Mon Nov 02, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2015)
Replies: 9
Views: 1201

Re: madsinger monthly report (October 2015)

Stocks had a big month in October, all rising strongly, and bringing most portfolio YTD returns positive again. Small stocks are still down a little YTD, so portfolios emphasizing these stocks are trailing a bit. Permanent portfolio (returns listed above) had only its second positive month of the ye...
by madsinger
Mon Nov 02, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2015)
Replies: 9
Views: 1201

madsinger monthly report (October 2015)

Here is a big fat collection of portfolios, with their October 2015 returns, 2015 YTD return, and annualized returns since 1999, 2005, 2010 and 2012 (16 years 10 months, 10 years 10 months, 5 years 10 months, 3 years 10 months). I broke them into four categories, roughly corresponding to 100/0, 80/2...
by madsinger
Sat Oct 10, 2015 9:47 am
Forum: Investing - Theory, News & General
Topic: Internal Rate of Return Calculation Question
Replies: 21
Views: 1434

Re: Internal Rate of Return Calculation Question

Adding detail to pshonore's advice to be careful when entering dates, does the second of the following three lines from the example that results in an error make sense? 1/12/2015 550 1/12/ 2105 450 1/26/2015 450 FactualFran wins the sharp-eyed award! Brilliant! And, what is interesting, is the 7/1/...
by madsinger
Sat Oct 03, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2015)
Replies: 17
Views: 2368

Re: madsinger monthly report (September 2015)

I've been seeing these, and they are quite interesting. One that puzzles me is the "Hot hands". From searching the forum I gather it's the best Vanguard managed fund from last year or something? If so, what is the fund? If not, then what the heck is it? Earl The "Hot Hands" fund...
by madsinger
Thu Oct 01, 2015 5:08 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2015)
Replies: 17
Views: 2368

Re: madsinger monthly report (September 2015)

pkcrafter wrote:How did you get everything lined up this month?

Paul


Hmmm....I don't understand this question. Can you reword it in another way?

-Brad.

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