Search found 933 matches

by madsinger
Tue Jun 04, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2019)
Replies: 2
Views: 483

Re: madsinger monthly report (May 2019)

In May, everything changed directions (at least for one month). US stocks down -6% to -8%. Internationals -5% to -6%. Total Bond market up about 2%, but long term US bonds up over 6.5%. Gold went up at the end of the month (and even more on the first day of June). REITs were flat for the month, and ...
by madsinger
Tue Jun 04, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2019)
Replies: 2
Views: 483

madsinger monthly report (May 2019)

Here is a big fat collection of portfolios, with their May 2019 returns, 2019 YTD return, and annualized returns since 1999, 2009, 2014, and 2016 (20 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, 60/4...
by madsinger
Fri May 03, 2019 10:19 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2019)
Replies: 2
Views: 500

Re: madsinger monthly report (April 2019)

The stock market just keeps marching along. US stocks up about +4% for the month. International up +2% to +3%. Total Bonds and REITs were basically flat, long bonds tumbled a bit, and gold was down a little bit and is now where it started the year. Staring at the stock number below, it has clearly b...
by madsinger
Fri May 03, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2019)
Replies: 2
Views: 500

madsinger monthly report (April 2019)

Here is a big fat collection of portfolios, with their April 2019 returns, 2019 YTD return, and annualized returns since 1999, 2009, 2014, and 2016 (20 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
Sun Apr 14, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2019)
Replies: 9
Views: 925

Re: madsinger monthly report (March 2019)

Well...it's still the first half of April. It's been a busy couple of weeks. If you can remember back to March, it was a good month for the portfolios. All positive again for the month. Stocks were fine, and bonds had a very good month. The Permanent Portfolio shows strong stock returns (up almost 2...
by madsinger
Sun Apr 14, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2019)
Replies: 9
Views: 925

madsinger monthly report (March 2019)

Here is a big fat collection of portfolios, with their March 2019 returns, 2019 YTD return, and annualized returns since 1999, 2009, 2014, and 2016 (20 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
Fri Mar 08, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2019)
Replies: 3
Views: 666

Re: madsinger monthly report (February 2019)

February report, finally. Another strong month for stocks. US stocks up +3% to +5% large to small. International stocks up over 1.5%. Bonds mostly flat (although at the long end, down over -1%), and gold down about -0.5%. Thanks to stocks, the permanent portfolio was up again in February. Stocks are...
by madsinger
Fri Mar 08, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2019)
Replies: 3
Views: 666

madsinger monthly report (February 2019)

Here is a big fat collection of portfolios, with their February 2019 returns, 2019 YTD return, and annualized returns since 1999, 2009, 2014, and 2016 (20 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
Fri Feb 01, 2019 2:16 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2019)
Replies: 3
Views: 994

Re: madsinger monthly report (January 2019)

A few updates to the methodology for the charts. Up until this year, I have always used "investor class" shares. Since Vanguard has basically shifted their index funds to Admiral shares, I will now be using Admiral shares to track the portfolios. The 3% holding in "Precious Metals and Mining" fund i...
by madsinger
Fri Feb 01, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2019)
Replies: 3
Views: 994

Re: madsinger monthly report (January 2019)

Quite a change from December to January! US large stocks up 7% to 8%, small caps up 11% to 12%. International stocks up 7% to 8%. Bonds up 1%. A year's worth of gains in a month! (...but, in reality, only get back to about even for the past two months). All four assets in the permanent portfolio wer...
by madsinger
Fri Feb 01, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2019)
Replies: 3
Views: 994

madsinger monthly report (January 2019)

Here is a big fat collection of portfolios, with their January 2019 returns, 2019 YTD return, and annualized returns since 1999, 2009, 2014, and 2016 (20 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, 60/4...
by madsinger
Thu Jan 24, 2019 12:09 pm
Forum: Personal Investments
Topic: Can you exchange funds inside your Vanguard Roth IRA?
Replies: 5
Views: 458

Re: Can you exchange funds inside your Vanguard Roth IRA?

Yes, one can exchange within a Roth IRA. On my screen, when I bring up my Roth IRA, I see a box that says "Transact" on the far right of the holding. If I press that button, a drop down appears letting me choose "Buy, Sell, Exchange". If you are not seeing this, I don't know what that would be. But ...
by madsinger
Wed Jan 02, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2018)
Replies: 11
Views: 1218

Re: madsinger monthly report (December 2018)

Hot Hands? I have sorted the Vanguard stock funds by 2018 return, and have found only three funds with positive returns...one "specialty fund" and two diversified funds. I will be choosing the highest returning diversified fund for 2018 as the Hot Hands fund that I will track for 2019. Whether or no...
by madsinger
Wed Jan 02, 2019 5:11 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2018)
Replies: 11
Views: 1218

Re: madsinger monthly report (December 2018)

Very short term rebalancing bonus! I looked the annual returns for my stock, bond, and gold holdings in the PP. As noted above, sales of stocks three times throughout the year resulted in having "rate of return" of -3.87% while the Vanguard S&P 500 fund returned -4.43%. Similarly, the Vanguard Long ...
by madsinger
Wed Jan 02, 2019 5:02 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2018)
Replies: 11
Views: 1218

Re: madsinger monthly report (December 2018)

Well...here are the numbers for December and the year ending 2018. Unless you were hiding for the whole month (or perhaps you went into hiding after December 24th), these numbers are not surprising. US stocks down -9% to -11% for the month. Internationals fell "only" around -5% for the month. Bonds ...
by madsinger
Wed Jan 02, 2019 4:50 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2018)
Replies: 11
Views: 1218

madsinger monthly report (December 2018)

Here is a big fat collection of portfolios, with their December 2018 returns, 2018 YTD return, and annualized returns since 1999, 2009, 2014, and 2016 (20 years, 10 years, 5 years, 3 years). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/40, 40/60 stock/bond portfolios,...
by madsinger
Fri Dec 28, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2018)
Replies: 7
Views: 866

Re: madsinger monthly report (November 2018)

whodidntante wrote:
Fri Dec 28, 2018 10:30 pm
December might be fun.
Yes...and that is why I wanted to make sure I had "good" November numbers!

-Brad.
by madsinger
Fri Dec 28, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: madsinger needs a data point...
Replies: 1
Views: 332

Re: madsinger needs a data point...

Thanks to someone who sent the numbers to me, the monthly portfolio charts for November are up to date (just in time...)

-Brad.
by madsinger
Fri Dec 28, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2018)
Replies: 7
Views: 866

Re: madsinger monthly report (November 2018)

Finally updated with the November newsletter returns.
by madsinger
Fri Dec 28, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: madsinger needs a data point...
Replies: 1
Views: 332

madsinger needs a data point...

Normally, each month, the Newsletter website posts the YTD returns for the four portfolios they create. This month, the public charts were not updated for the November returns. If anyone has access to this information (YTD and monthly returns for the four portfolios) and would be willing to either r...
by madsinger
Mon Dec 10, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2018)
Replies: 7
Views: 866

Re: madsinger monthly report (November 2018)

November had a lot of bouncing around, but in the end, it was basically an up month. International stocks are down -10% for more for the year, long bonds are negative, and US stocks (as of November 30) are up near 5% YTD for large caps, but hovering around flat for small caps. The beginning of Decem...
by madsinger
Mon Dec 10, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2018)
Replies: 7
Views: 866

madsinger monthly report (November 2018)

Here is a big fat collection of portfolios, with their November 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Fri Nov 02, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2018)
Replies: 4
Views: 616

Re: madsinger monthly report (October 2018)

Lots of negative signs on the chart this month. Not a lot of places to hide this month.... S&P 500 down almost -7%, small caps down around -10%, international down -8%, REITs down -3%, total bond fund down almost -1%, long bonds closer to -3%. Gold had its first positive month since last March, up a...
by madsinger
Fri Nov 02, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2018)
Replies: 4
Views: 616

madsinger monthly report (October 2018)

Here is a big fat collection of portfolios, with their October 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Tue Oct 02, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2018)
Replies: 5
Views: 873

Re: madsinger monthly report (September 2018)

US stocks are now up over +10% YTD. Value stocks a bit less. International stocks are down for the year with emerging markets downs almost -9%. The portfolios that are US stock heavy are doing very well. Any tilt towards bonds and International lowers the returns. Gold continues a long streak of mon...
by madsinger
Tue Oct 02, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2018)
Replies: 5
Views: 873

madsinger monthly report (September 2018)

Here is a big fat collection of portfolios, with their September 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Fri Sep 14, 2018 9:50 am
Forum: Personal Investments
Topic: Exchanging investments in 401K
Replies: 6
Views: 582

Re: Exchanging investments in 401K

The operating expenses of the funds are taken out of the holdings of the fund on an ongoing basis. If you have $20K in a fund with a 0.04% expense ratio, that means $8 per year will be taken out of your account to pay for expenses. This does not happen at any one time, but rather your account value ...
by madsinger
Wed Sep 05, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2018)
Replies: 1
Views: 532

Re: madsinger monthly report (August 2018)

US Stocks continue their steady rise up in August, S&P 500 fund up 3.25%. Internationals fell a bit down -2.2% --- over 13% difference YTD between US and International. Gold fell another -2%, but the Vanguard PM fund fell almost -12% for the month! Gold itself down for the fifth straight month. The ...
by madsinger
Wed Sep 05, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2018)
Replies: 1
Views: 532

madsinger monthly report (August 2018)

Here is a big fat collection of portfolios, with their August 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Thu Aug 02, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2018)
Replies: 9
Views: 973

Re: madsinger monthly report (July 2018)

As ResearchMed pointed out, I do not subscribe, so I have gone by either what I "thought" the HH fund would be, or someone who has subscribed has privately told me. Because the "official" fund is described in the Newsletter, I do not feel comfortable "publishing" it publicly. That said, RM did tell ...
by madsinger
Thu Aug 02, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2018)
Replies: 9
Views: 973

Re: madsinger monthly report (July 2018)

Great to see Wellesley making some ground back (was down nearly 3% in April). Madsinger position in gold may start to perform well here imo. Looks like it wants to move higher :beer To be honest, I'm not really "rooting" for a rise in Gold prices. It's more like, if the price of gold rises, I hope ...
by madsinger
Thu Aug 02, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2018)
Replies: 9
Views: 973

Re: madsinger monthly report (July 2018)

And a personal tribute to Neal Hudson, username: investor, who was always a supporter of these posts and who I had the opportunity to message with off and on over the past few years. statsguy announced his passing recently. It's a good reminder to me that these cold charts and anonymous postings on ...
by madsinger
Thu Aug 02, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2018)
Replies: 9
Views: 973

Re: madsinger monthly report (July 2018)

July was a strong, positive month for stocks. US stocks up over 3%, but ranging from 1.8% for small caps, to 4.7% for US Value index. International up 2% to 3% as well. Total bonds were flat, with short gaining, and longs losing. Gold down for the fourth straight month. As a note, the Sheltered Sam ...
by madsinger
Thu Aug 02, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2018)
Replies: 9
Views: 973

madsinger monthly report (July 2018)

Here is a big fat collection of portfolios, with their July 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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 27, 2018 10:17 am
Forum: US Chapters
Topic: RIP investor
Replies: 22
Views: 4634

Re: RIP investor

We had private messaged a few times, but I never knew his name. He was always kind to me, and to everyone else here. My thoughts are with his family and friends.

-Brad.
by madsinger
Thu Jul 05, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2018)
Replies: 5
Views: 1052

Re: madsinger monthly report (June 2018)

US stocks up less than 1%, Internationals down -2%, bonds pretty flat. REITs were up over +4%. On the Permanent portfolio front, three up mildly, gold down about -3.5%. At the half way point of the year, and the PP is down almost -1%. Each of the three volatile asset classes has had relatively large...
by madsinger
Thu Jul 05, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2018)
Replies: 5
Views: 1052

madsinger monthly report (June 2018)

Here is a big fat collection of portfolios, with their June 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Mon Jun 04, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2018)
Replies: 3
Views: 933

Re: madsinger monthly report (May 2018)

A spray of returns in May. US stocks up over +2%, US small caps up +4% to +5%. Bonds were positive as rates backed off a little from their long march upward, internationals down -1% to -3% hurt by the rising dollar. Stock heavy portfolios predictably did better than bond heavy portfolios. The perman...
by madsinger
Mon Jun 04, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2018)
Replies: 3
Views: 933

madsinger monthly report (May 2018)

Here is a big fat collection of portfolios, with their May 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Thu May 24, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Help me understand zero coupon bonds
Replies: 11
Views: 1141

Re: Help me understand zero coupon bonds

Just a question on a treasury bill. If I buy a 6 month bill in Oct 2018 is the tax due in 2018 or 2019 when in matures? The income from a treasury bill is considered "paid" at the maturity date. In the case of a six month bill purchased in October 2018, the "taxable event" (assuming you hold to mat...
by madsinger
Wed May 02, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2018)
Replies: 4
Views: 894

Re: madsinger monthly report (April 2018)

By the end of the month, portfolios were all within about 0.5% of where they started. Stocks were generally slightly positive, total bond was down -0.8%, and the portfolios basically tracked these numbers. In the PP world, long bonds dropped about -2% for the month and gold down a bit. STOCK LONG BO...
by madsinger
Wed May 02, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2018)
Replies: 4
Views: 894

madsinger monthly report (April 2018)

Here is a big fat collection of portfolios, with their April 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Tue Apr 03, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2018)
Replies: 2
Views: 509

Re: madsinger monthly report (March 2018)

...and, March has followed in the footsteps of February. Lots of volatility, negative returns for stocks, and most of the portfolios. There were some positive returns for the month...small caps were up about 1% and REITs (after a rough couple of months to start the year) up 3.83%. Bonds were positiv...
by madsinger
Tue Apr 03, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2018)
Replies: 2
Views: 509

madsinger monthly report (March 2018)

Here is a big fat collection of portfolios, with their March 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Fri Mar 02, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2018)
Replies: 2
Views: 737

Re: madsinger monthly report (February 2018)

I had to find the "negative sign" on my keyboard for the first time in a while! Obviously, all of the portfolios took losses in February, although all ended the month much higher than the lows they hit on February 8! (up some 4% since then). This correction may have tested some of our tolerance to p...
by madsinger
Thu Mar 01, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2018)
Replies: 2
Views: 737

madsinger monthly report (February 2018)

Here is a big fat collection of portfolios, with their February 2018 returns, 2018 YTD return, and annualized returns since 1999, 2008, 2013 and 2015 (19 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
Thu Mar 01, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 28
Views: 3918

Re: madsinger monthly report (January 2018)

When putting the February 2018 data into my spreadsheet, I realized that I had made a mistake in my January 2018 spreadsheet (pointed to the wrong cell). This affected the 3,5,10,19 year returns for the portfolios that are made up of more than one fund. I have updated this spreadsheet (at the beginn...
by madsinger
Thu Feb 22, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 8177

Re: Question for music experts about musical keys

I just do not understand Modes. To me it is a version of the major scale with different starting points. This might be one of those concepts which is beyond my basic training. It also might be that I havent broken out of the major/minor scale rule. Most "western music" falls into "major" or "minor"...
by madsinger
Wed Feb 21, 2018 12:20 am
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 4213

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

The bets were first invested in a ten-year zero-coupon Treasury bond, then changed in 2012 (with both parties agreeing) to Berkshire Hathaway Class B shares (BRK.B). "Warren Buffett has won his $1 million bet against the hedge fund industry" - Business Insider Thanks for the information. So, their ...
by madsinger
Tue Feb 20, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 4213

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

I read it. Great story. But...let's see....each investor put up $320,000, expecting that to become $1,000,000 by the end of 10 years. Assuming that they meant $640,000 growing to $1M over 10 years, that would be a gain of 56%, or about 4.5% annualized return. Instead, it grew to $2.2M, an annualized...