[Poll] What was your 2013 return?

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.

What was your 2013 return?

Negative Return
2
0%
0-4.9%
10
2%
5-9.9%
31
7%
10-14.9%
80
19%
15-19.9%
126
30%
20-24.9%
74
18%
25-29.9%
36
9%
30-34.9%
11
3%
35-39.9%
6
1%
40-44.9%
1
0%
45-49.9%
1
0%
50% or greater
3
1%
I don't know and I don't care
33
8%
That's rude to ask
2
0%
 
Total votes: 416

MnD
Posts: 3805
Joined: Mon Jan 14, 2008 12:41 pm

[Poll] What was your 2013 return?

Post by MnD » Wed Jan 01, 2014 3:15 pm

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

Leeraar
Posts: 4109
Joined: Tue Dec 10, 2013 8:41 pm
Location: Nowhere

Re: What was your 2013 return?

Post by Leeraar » Wed Jan 01, 2014 3:20 pm

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.
You can get what you want, or you can just get old. (Billy Joel, "Vienna")

john94549
Posts: 4638
Joined: Tue Jul 26, 2011 8:50 pm

Re: What was your 2013 return?

Post by john94549 » Wed Jan 01, 2014 3:22 pm

More than I deserved, I'm sure.

User avatar
ray.james
Posts: 1048
Joined: Tue Jul 19, 2011 4:08 am

Re: What was your 2013 return?

Post by ray.james » Wed Jan 01, 2014 3:26 pm

One of those returns for which I hate being very early accumulator

TR 2045 - 22%
When in doubt, http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939

User avatar
obgyn65
Posts: 770
Joined: Sun May 06, 2012 9:11 am

Re: What was your 2013 return?

Post by obgyn65 » Wed Jan 01, 2014 4:15 pm

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

User avatar
nedsaid
Posts: 10648
Joined: Fri Nov 23, 2012 12:33 pm

Re: What was your 2013 return?

Post by nedsaid » Wed Jan 01, 2014 4:22 pm

According to Quicken, the return on my 69% stock and 31% fixed income portfolio was 18.27%.

Not bad.
A fool and his money are good for business.

Dario33
Posts: 88
Joined: Mon Jul 02, 2012 10:10 am

Re: What was your 2013 return?

Post by Dario33 » Wed Jan 01, 2014 4:25 pm

23%

72% stock /28% bond

BobStrauss
Posts: 101
Joined: Fri Aug 19, 2011 9:08 pm

Re: What was your 2013 return?

Post by BobStrauss » Wed Jan 01, 2014 4:32 pm

26.14% (TSP L2050)

Too bad I'm just out of the gate, because it didn't do much for me.

User avatar
Jake46
Posts: 748
Joined: Tue Feb 20, 2007 10:16 am
Location: Fort Collins, Colorado

Re: What was your 2013 return?

Post by Jake46 » Wed Jan 01, 2014 4:36 pm

18.34% on a 50%/50% portfolio.

IMD801
Posts: 134
Joined: Sat Dec 21, 2013 9:26 pm

Re: What was your 2013 return?

Post by IMD801 » Wed Jan 01, 2014 4:37 pm

28.4% - ~90% stock/10% bond for most of the year (recently AA adjusted to more like 80:20)

tigermilk
Posts: 536
Joined: Thu Aug 15, 2013 9:32 am

Re: What was your 2013 return?

Post by tigermilk » Wed Jan 01, 2014 4:48 pm

In my TSP just shy of 33% (100% equities). In my Roth, The Roths only around 20%.

Grasshopper
Posts: 924
Joined: Sat Oct 09, 2010 3:52 pm

Re: What was your 2013 return?

Post by Grasshopper » Wed Jan 01, 2014 4:49 pm

Vanguard says 15.8% 62/32/5, cash is high, but I have my 2 years living expenses ready to go.

peddler12
Posts: 110
Joined: Sat Sep 03, 2011 10:01 pm

Re: What was your 2013 return?

Post by peddler12 » Wed Jan 01, 2014 4:53 pm

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.

Dario33
Posts: 88
Joined: Mon Jul 02, 2012 10:10 am

Re: What was your 2013 return?

Post by Dario33 » Wed Jan 01, 2014 5:02 pm

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.
Good plan. :happy

The Casualty
Posts: 70
Joined: Sun Oct 24, 2010 9:09 pm

Re: What was your 2013 return?

Post by The Casualty » Wed Jan 01, 2014 5:34 pm

21.83 % 79/21 Fidelity
25.5 % 75/25 Vanguard

User avatar
g$$
Posts: 447
Joined: Wed Dec 21, 2011 12:17 am
Location: San Francisco

Re: What was your 2013 return?

Post by g$$ » Wed Jan 01, 2014 5:38 pm

24% return for 2013.

100% global equities. Too bad my balances aren't big enough yet for this to really matter.

User avatar
midareff
Posts: 5853
Joined: Mon Nov 29, 2010 10:43 am
Location: Biscayne Bay, South Florida

Re: What was your 2013 return?

Post by midareff » Wed Jan 01, 2014 5:49 pm

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.

User avatar
BHCadet
Posts: 391
Joined: Sun Jan 15, 2012 12:47 am
Location: SoCal

Re: What was your 2013 return?

Post by BHCadet » Wed Jan 01, 2014 5:56 pm

15.49% on a 65 equities/35 bonds and cash portfolio.
With international as 30% of equities.

nonroom
Posts: 124
Joined: Tue Apr 01, 2008 8:44 am
Location: Southeastern US

Re: What was your 2013 return?

Post by nonroom » Wed Jan 01, 2014 6:07 pm

18.2% off an 80% eq/20% bonds split

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.

User avatar
youngindexer
Posts: 70
Joined: Wed Nov 20, 2013 5:55 pm

Re: What was your 2013 return?

Post by youngindexer » Wed Jan 01, 2014 6:10 pm

26.3% :beer

Cash
Posts: 1339
Joined: Wed Mar 10, 2010 10:52 am

Re: What was your 2013 return?

Post by Cash » Wed Jan 01, 2014 6:14 pm

23.24%. 90/10 stocks/bonds; 50/50 US/international.

aquifer
Posts: 320
Joined: Sat Oct 20, 2012 9:01 am

Re: What was your 2013 return?

Post by aquifer » Wed Jan 01, 2014 6:25 pm

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.

jaj2276
Posts: 362
Joined: Sat Apr 16, 2011 5:13 pm

Re: What was your 2013 return?

Post by jaj2276 » Wed Jan 01, 2014 6:26 pm

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.
Last edited by jaj2276 on Wed Jan 01, 2014 7:32 pm, edited 1 time in total.

amitb00
Posts: 435
Joined: Sun Jan 01, 2012 9:04 am

Re: What was your 2013 return?

Post by amitb00 » Wed Jan 01, 2014 6:40 pm

16.3%
AA: Equities/Bonds/Metals: 69/28/3
With in equities Domestic/Intl: 75/25

ASUGrad
Posts: 259
Joined: Sun Oct 20, 2013 8:09 pm

Re: What was your 2013 return?

Post by ASUGrad » Wed Jan 01, 2014 7:19 pm

23.6% Not complaining about that one. :D

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.

sambb
Posts: 2193
Joined: Sun Mar 10, 2013 3:31 pm

Re: What was your 2013 return?

Post by sambb » Wed Jan 01, 2014 7:22 pm

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.

Bacchus01
Posts: 2059
Joined: Mon Dec 24, 2012 9:35 pm

Re: What was your 2013 return?

Post by Bacchus01 » Wed Jan 01, 2014 7:25 pm

About 20%. Hard to manage considering all the contributions but I know my net worth, which is what I really care about, increased 27%

insein
Posts: 31
Joined: Thu Nov 14, 2013 11:03 pm

Re: What was your 2013 return?

Post by insein » Wed Jan 01, 2014 7:29 pm

ROTH 31%
IRA 27%
Non-IRA 23%

User avatar
wander
Posts: 2576
Joined: Sat Oct 04, 2008 9:10 am

Re: What was your 2013 return?

Post by wander » Wed Jan 01, 2014 7:30 pm

About 17%.

ClaireTN
Posts: 247
Joined: Tue Jan 06, 2009 8:23 pm
Location: Tennessee

Re: What was your 2013 return?

Post by ClaireTN » Wed Jan 01, 2014 7:31 pm

15.23%

70/30 mix, with 30% of equities international

labguru7628
Posts: 47
Joined: Tue Dec 31, 2013 8:36 pm

Re: What was your 2013 return?

Post by labguru7628 » Wed Jan 01, 2014 7:32 pm

21.44%______80% Stock (21% International / Emerging Markets) / 20% Bonds

DoubleDraw
Posts: 83
Joined: Mon Aug 13, 2012 11:30 pm

Re: What was your 2013 return?

Post by DoubleDraw » Wed Jan 01, 2014 7:35 pm

23% with an 80/10/10 mix

pretty happy with that

HornedToad
Posts: 892
Joined: Wed May 21, 2008 12:36 am

Re: What was your 2013 return?

Post by HornedToad » Wed Jan 01, 2014 7:37 pm

24.63% at 100% stocks in 401k.

30% Large cap
29% small cap
8% REIT
6% emerging Markets
26% International

User avatar
ram
Posts: 1095
Joined: Tue Jan 01, 2008 10:47 pm
Location: Midwest

Re: What was your 2013 return?

Post by ram » Wed Jan 01, 2014 7:48 pm

20 - 22 %. Do not track more specifically . 88% stock, 12% bonds at present , but stocks exceeded 90% most of the year.
Ram

gdm129
Posts: 33
Joined: Fri Oct 08, 2010 4:16 pm

Re: What was your 2013 return?

Post by gdm129 » Wed Jan 01, 2014 8:06 pm

about 9% on an approximately 30% equity 70% fixed income mix.

User avatar
Sunny Sarkar
Posts: 2417
Joined: Fri Mar 02, 2007 1:02 am
Location: Flower Mound, TX
Contact:

Re: What was your 2013 return?

Post by Sunny Sarkar » Wed Jan 01, 2014 8:48 pm

"Cost matters". "Stay the course". "Press on, regardless". ― John C. Bogle

User avatar
Groundhog
Posts: 207
Joined: Mon Oct 24, 2011 7:10 pm

Re: What was your 2013 return?

Post by Groundhog » Wed Jan 01, 2014 8:54 pm

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!

Rich in Michigan
Posts: 175
Joined: Mon Jun 11, 2012 1:27 pm

Re: What was your 2013 return?

Post by Rich in Michigan » Wed Jan 01, 2014 9:02 pm

XIRR was 15.1% on an AA of 58/42

Stonebr
Posts: 1468
Joined: Wed Jan 21, 2009 11:19 am
Location: Maine

Re: What was your 2013 return?

Post by Stonebr » Wed Jan 01, 2014 9:05 pm

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.
"have more than thou showest, | speak less than thou knowest" -- The Fool in King Lear

staythecourse
Posts: 6199
Joined: Mon Jan 03, 2011 9:40 am

Re: What was your 2013 return?

Post by staythecourse » Wed Jan 01, 2014 9:07 pm

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.
"The stock market [fluctuation], therefore, is noise. A giant distraction from the business of investing.” | -Jack Bogle

stan1
Posts: 6074
Joined: Mon Oct 08, 2007 4:35 pm

Re: What was your 2013 return?

Post by stan1 » Wed Jan 01, 2014 9:08 pm

jaj2276 wrote:13.37%
10% Precious Metals (half gold, half silver).

-- Worst account was my precious metals which lost 29%.
Ouch, are you staying the course in 2014?

bobbun
Posts: 159
Joined: Thu Jun 27, 2013 2:38 pm

Re: What was your 2013 return?

Post by bobbun » Wed Jan 01, 2014 9:10 pm

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.

User avatar
zebrafish
Posts: 531
Joined: Sat Nov 24, 2012 10:28 pm
Location: Inside the tank

Re: What was your 2013 return?

Post by zebrafish » Wed Jan 01, 2014 9:11 pm

19.3% on 80/20 stocks/bonds

:beer

Lafder
Posts: 3843
Joined: Sat Aug 03, 2013 7:56 pm
Location: East of the Rio Grande

Re: What was your 2013 return?

Post by Lafder » Wed Jan 01, 2014 9:13 pm

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

Grt2bOutdoors
Posts: 19490
Joined: Thu Apr 05, 2007 8:20 pm
Location: New York

Re: What was your 2013 return?

Post by Grt2bOutdoors » Wed Jan 01, 2014 9:16 pm

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? :wink: ). :)
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions

Deceptor
Posts: 30
Joined: Sat Nov 23, 2013 6:50 pm

Re: What was your 2013 return?

Post by Deceptor » Wed Jan 01, 2014 9:31 pm

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.

User avatar
Average Investor
Posts: 162
Joined: Fri Jul 13, 2012 11:27 am

Re: What was your 2013 return?

Post by Average Investor » Wed Jan 01, 2014 9:32 pm

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!
Tomorrow never knows.

User avatar
rustymutt
Posts: 3732
Joined: Sat Mar 07, 2009 12:03 pm
Location: Oklahoma

Re: What was your 2013 return?

Post by rustymutt » Wed Jan 01, 2014 9:56 pm

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.
I'm amazed at the wealth of Knowledge others gather, and share over a lifetime of learning. The mind is truly unique. It's nice when we use it!

User avatar
Ketawa
Posts: 1954
Joined: Mon Aug 22, 2011 1:11 am
Location: DC

Re: What was your 2013 return?

Post by Ketawa » Wed Jan 01, 2014 10:16 pm

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).

MnD
Posts: 3805
Joined: Mon Jan 14, 2008 12:41 pm

Re: What was your 2013 return?

Post by MnD » Wed Jan 01, 2014 10:22 pm

Here's a link on how to compute your return using Excel xirr
http://whitecoatinvestor.com/how-to-cal ... -function/

Post Reply