Can someone look at this for me... Did I really lose all this money?

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solarascent
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Joined: Sun Dec 24, 2017 8:39 am

Can someone look at this for me... Did I really lose all this money?

Post by solarascent » Sat Jun 09, 2018 1:47 am

https://i.imgur.com/z8wdAJT.png
https://i.imgur.com/ezqDDEw.png

I also don't understand. I have an employer plan with the same Vanguard retirement plan and it has received a return for the last two months. Do I really now have a net loss with all my accounts? Am I'm back to square one with all of this. I also just recently bought more shares yesterday for my roth ira contribution this year. Now I'm thinking that this was a terrible decision if the market's in a downturn.

Has anyone else noticed this with their vanguard retirement funds this past month? I googled and got nothing, but how can it just be me...

I would appreciate if anyone can help me with this. This makes no sense.
Last edited by solarascent on Sat Jun 09, 2018 2:05 am, edited 1 time in total.

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FiveK
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Re: Can someone look at this for me... Did I really lose all this money?

Post by FiveK » Sat Jun 09, 2018 1:52 am

It isn't clear what those charts represent.

Do you have a statement of investments and their balances?

PFInterest
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Re: Can someone look at this for me... Did I really lose all this money?

Post by PFInterest » Sat Jun 09, 2018 1:54 am

It looks like you withdrew a bunch of money.

bert09
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Re: Can someone look at this for me... Did I really lose all this money?

Post by bert09 » Sat Jun 09, 2018 1:54 am

As long as you don’t sell you won’t have realized any losses. Without posting more details first it’s hard to tell what your situation is.

solarascent
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Re: Can someone look at this for me... Did I really lose all this money?

Post by solarascent » Sat Jun 09, 2018 2:01 am

So for my vanguard account, I took a look at my different balances individually.

On the normal page it reads this.

https://imgur.com/tsPGI2H

This is why I didn't notice anything at first because this shows the data for all of my accounts.

When I break it down for individual holdings I get this for my Roth IRA.

https://i.imgur.com/ssFCPd1.png

Which is in a target retirement fund.

But my employer account which is in the same target retirement fund has a return. So, how is it possible that one holding loses money but the other one gains.

solarascent
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Re: Can someone look at this for me... Did I really lose all this money?

Post by solarascent » Sat Jun 09, 2018 2:04 am

FiveK wrote:
Sat Jun 09, 2018 1:52 am
It isn't clear what those charts represent.

Do you have a statement of investments and their balances?
A bank statement? I wouldn't want to post any identifiable information. Vanguard has it in graphical format, but also tabular. Would that be useful?

fujiters
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Re: Can someone look at this for me... Did I really lose all this money?

Post by fujiters » Sat Jun 09, 2018 2:23 am

solarascent wrote:
Sat Jun 09, 2018 2:04 am
A bank statement? I wouldn't want to post any identifiable information. Vanguard has it in graphical format, but also tabular. Would that be useful?
Yeah, it would be helpful to see the transaction history for the past couple of months and also to confirm the fund that money is being invested into.
“The purpose of the margin of safety is to render the forecast unnecessary.” -Benjamin Graham

solarascent
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Re: Can someone look at this for me... Did I really lose all this money?

Post by solarascent » Sat Jun 09, 2018 2:35 am

Okay! I will message it to you.

solarascent
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Re: Can someone look at this for me... Did I really lose all this money?

Post by solarascent » Sat Jun 09, 2018 4:01 am

fujiters wrote:
Sat Jun 09, 2018 2:23 am
solarascent wrote:
Sat Jun 09, 2018 2:04 am
A bank statement? I wouldn't want to post any identifiable information. Vanguard has it in graphical format, but also tabular. Would that be useful?
Yeah, it would be helpful to see the transaction history for the past couple of months and also to confirm the fund that money is being invested into.
I tried sending the message, it says it's in outbox. I'm assuming it's sent. But let me know if it's not.

If anyone else can look. Please do let me know!

madbrain
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Location: San Jose, California

Re: Can someone look at this for me... Did I really lose all this money?

Post by madbrain » Sat Jun 09, 2018 4:05 am

Do you have multiple accounts ? Did you do a backdoor Roth conversion ? In that case, money would have been withdrawn from one account (traditional) to into another (Roth). One report may be the combination of all your accounts, and the other for a single account. Really hard to say without having the titles of what those reports are.

grettman
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Re: Can someone look at this for me... Did I really lose all this money?

Post by grettman » Sat Jun 09, 2018 5:29 am

solarascent wrote:
Sat Jun 09, 2018 1:47 am
Now I'm thinking that this was a terrible decision if the market's in a downturn.
Not sure about your particular situation but that statement right there gives off alarm bells and I highly recommend you read the wiki on this site and get up to speed about investment basics and behavior. You are doing it wrong, If a downturn scares you from investing. It is an indication that you might not have the stomach for equities.

grettman
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Re: Can someone look at this for me... Did I really lose all this money?

Post by grettman » Sat Jun 09, 2018 5:31 am

PFInterest wrote:
Sat Jun 09, 2018 1:54 am
It looks like you withdrew a bunch of money.
The chart reads that the data represents "returns". If the OP withdrew money Vanguard codes that as withdraw right?

mortfree
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Re: Can someone look at this for me... Did I really lose all this money?

Post by mortfree » Sat Jun 09, 2018 5:34 am

solarascent wrote:
Sat Jun 09, 2018 1:47 am
https://i.imgur.com/z8wdAJT.png
https://i.imgur.com/ezqDDEw.png

Am I'm back to square one with all of this. I also just recently bought more shares yesterday for my roth ira contribution this year. Now I'm thinking that this was a terrible decision if the market's in a downturn.
Perhaps the negative is the cash used to buy more shares and the purchase transaction was not recorded simultaneously thus the big dip.

Not sure what market you are investing in, but I haven’t seen any downturns this week.

donfairplay
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Re: Can someone look at this for me... Did I really lose all this money?

Post by donfairplay » Sat Jun 09, 2018 5:59 am

grettman wrote:
Sat Jun 09, 2018 5:31 am
PFInterest wrote:
Sat Jun 09, 2018 1:54 am
It looks like you withdrew a bunch of money.
The chart reads that the data represents "returns". If the OP withdrew money Vanguard codes that as withdraw right?
You can toggle the graph differently. Go to the My Accounts drop down menu, then Personal Performance.

Looking at OP's first pic:
https://i.imgur.com/z8wdAJT.png
Looks like a 12-month graph, with the monthly selection toggle, of just 'purchases and withdrawals' with balances deselected. Balances button won't have the blue color filled, purchases and withdrawals button will be half-green and half-red.

OP's second pic:
https://i.imgur.com/ezqDDEw.png
Looks like a 12-month graph, with the cumulative selection toggle, of purchases and withdrawals plus with balances selected. The balances button is filled blue, and it shows up in the graph/pic as blue above the green/red line.

Or, OP has some really weird Vanguard investments in his/her retirement plan.
Or, OP has investment returns toggled and I could be wrong.

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celia
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Location: SoCal

Re: Can someone look at this for me... Did I really lose all this money?

Post by celia » Sat Jun 09, 2018 11:37 am

I think the best thing you should do (to protect your privacy) is call Vanguard. They are open on Saturday mornings.

They will be able to explain what happened. If it is a problem that needs to be reported to them, you'll end up calling them anyways.

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FiveK
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Re: Can someone look at this for me... Did I really lose all this money?

Post by FiveK » Sat Jun 09, 2018 11:46 am

solarascent wrote:
Sat Jun 09, 2018 2:04 am
A bank statement? I wouldn't want to post any identifiable information. Vanguard has it in graphical format, but also tabular. Would that be useful?
Yes, tabular form, showing only the fund names and amounts. No personal information (name, account number, etc.) needed or desired.

tmwtp
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Re: Can someone look at this for me... Did I really lose all this money?

Post by tmwtp » Mon Jun 11, 2018 10:39 pm

Since when is Vanguard open on Saturdays? At least a few years.
M–F 8 a.m. to 10 p.m., Eastern time.

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