What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
Estate_Esq
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Re: What are you up YTD? [Year To Date]

Postby Estate_Esq » Tue Jul 12, 2016 6:08 pm

GoldenFinch wrote:We hit an "all time high" the day before Brexit, and now are at a new "all time high" today. It's been an interesting year.


And yet another today. DJIA closed at 18347.67.

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ruralavalon
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Re: What are you up YTD? [Year To Date]

Postby ruralavalon » Tue Jul 12, 2016 6:21 pm

Retired, age 70, asset allocation 50/50.

Up 7.19% year to date per Morningstar's portfolio manager.

Best fund so far is Vanguard REIT Index Fund, up 15.71% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

hulburt1
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Re: What are you up YTD? [Year To Date]

Postby hulburt1 » Wed Jul 13, 2016 11:50 am

I've hit $80000 plus take out 1000 a month. I live on 60000 a year. I'm semi-retired at 63.

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BeBH65
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Re: What are you up YTD? [Year To Date]

Postby BeBH65 » Wed Jul 13, 2016 12:02 pm

According to Morningstar:
- Protection portion of the portfolio (40%) : +2.3%
- Growth (sic) portion of the portfolio (60%): +0.93%
Combined: 1,47% -- all calculations in EUR
BeBH65. (only an investment enthusiast, not a financial adviser, perform your due diligence).

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FreeAtLast
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Re: What are you up YTD? [Year To Date]

Postby FreeAtLast » Thu Jul 14, 2016 6:15 pm

Might as well update my last post in this thread. Retired, age 60.7342 years, 50/50 allocation. All investments with Vanguard. Its website tells me I am up 6.11% YTD. Yowza.
Illegitimi non carborundum.

fmzip
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Re: What are you up YTD? [Year To Date]

Postby fmzip » Sun Jul 31, 2016 8:45 pm

Portfolio return as of 7/31/2016

1 month 3.0%
3 months 4.6%
6 months 10.7%
YTD 6.9%
1 year 4.3%

Total US Bond Market Index 22%
Hi Yield Corporate Fund 8%
Short Term Inflation Protected 8%
Total US Stock Market Index 37%
Total International Index 19%
REIT Index 6%

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ruralavalon
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Re: What are you up YTD? [Year To Date]

Postby ruralavalon » Mon Aug 01, 2016 8:48 am

Retired, age 70, asset allocation 50/50.

Up 8.28% year to date per Morningstar's portfolio manager.

Best fund so far is Vanguard REIT Index Fund, up 18.26% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | | Wiki article link:Getting Started

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AllieTB1323
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Re: What are you up YTD? [Year To Date]

Postby AllieTB1323 » Mon Aug 01, 2016 9:38 am

As of July31, with a 56/44 AA, YTD up 7.82%.

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TheTimeLord
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Re: What are you up YTD? [Year To Date]

Postby TheTimeLord » Mon Aug 01, 2016 10:24 am

Vanguard Admiral Shares as of 7/29/2016
VFIAX 7.64% (S&P 500)
VTSAX 7.75% (Total Market)
VIMAX 8.33% (Mid Cap)
VSMAX 10.34% (Small Cap)
VFWAX 4.36%(ex-US)
VBTLX 6.19% (Total Bond)
VBILX 7.63% (Intermediate Bond)
VBIRX 2.67% (Short Term Bond)
Run, You Clever Boy!

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David Jay
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Re: What are you up YTD? [Year To Date]

Postby David Jay » Mon Aug 01, 2016 10:30 am

My IONS (Ionis Pharma) is up 38% TODAY (at 11:00am Eastern).
Prediction is very difficult, especially about the future - Niels Bohr | To get the "risk premium", you really do have to take the risk - nisiprius

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Sheepdog
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Re: What are you up YTD? [Year To Date]

Postby Sheepdog » Mon Aug 01, 2016 1:54 pm

Okay, portfolio update, 7/31, 22% stock allocation, +6.68%. Since we live off of this, what we take out is important too, so.... Withdrawals for spending to date only -1.52%.
Staying positive :moneybag
However good or bad a situation is, it will change

J295
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Re: What are you up YTD? [Year To Date]

Postby J295 » Mon Aug 01, 2016 7:23 pm

Perhaps I'm an outlier on this board, but we don't keep track of YTD investment returns. We have our IPS and review allocations quarterly (adjusting when bands are hit), and our spreadsheet shows year to year totals for the various allocation categories so we know which direction we are heading. Age 57 and mostly retired.

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cfs
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Re: What are you up YTD? [Year To Date]

Postby cfs » Mon Aug 01, 2016 7:29 pm

Sheepdog wrote:Okay, portfolio update, 7/31, 22% stock allocation, +6.68%. Since we live off of this, what we take out is important too, so.... Withdrawals for spending to date only -1.52%.
Staying positive :moneybag

Great job by our shipmate Sheepdog!

You are doing a fantastic job with your "Black Swan-Ready" Portfolio of 22% in equities.

And for the rest of our shipmates "Take Notice."

Good luck with your investments.

Thanks for reading.

Phalanx
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Re: What are you up YTD? [Year To Date]

Postby Phalanx » Mon Aug 01, 2016 9:40 pm

Finally got a round tuit to play around with longinvest's spreadsheet (kudos to you, sir, for the inspiration!). Although I've been using XIRR for a few years, it was quite the effort to go through old records across several accounts to calculate time-weighted returns.

portfolio:
30% pre-Boglehead legacy NASDAQ stocks
15% indexed international stocks
15% real assets
40% T-bonds/cash

2013 2014 2015 2016
1.08 10.67 4.09 13.44 IRR
1.09 10.63 3.08 14.03 TWR

Would love to change my US holdings into TSM/REIT, but I cannot sell. C'est la vie.

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Hawaiishrimp
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Re: What are you up YTD? [Year To Date]

Postby Hawaiishrimp » Mon Aug 01, 2016 10:56 pm

Around 6.5 - 7% YTD
I save and invest my money, so money can make money for me, so I don't have to make money eventually.

Pharmacist
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Re: What are you up YTD? [Year To Date]

Postby Pharmacist » Tue Aug 02, 2016 1:24 am

Up 5.8% YTD - 100% stocks

Was negative 13% at one point in Q1

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dandypandys
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Re: What are you up YTD? [Year To Date]

Postby dandypandys » Tue Aug 02, 2016 6:03 am

Is this the same as this Rate of Return % given on my Transamerica account? It says: *Calculates the percentage change of your account balance by weighting all activity included in the time period measured. It includes your investment earnings during the period and is net of plan fees and credits. Indicated returns are cumulative for all periods shown.

Rate of Return*
Year to Date

4.89%



83.57% Stocks - 68% VSTAX, 14% VTMGX, 1% VEMAX
16.43% Bonds - 15% is Stable Asset Value fund

I probably should rebalance soon, but not sure of the timing? or how best to do it. I really want 80/20 and 20-25% international

Sandi_k
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Re: What are you up YTD? [Year To Date]

Postby Sandi_k » Tue Aug 02, 2016 2:29 pm

We're up 9% YTD, excluding contributions. Note that some funds are duplicative, but we have limited options in my 403(b)/457(b), so we are choosing the closest match to our target allocation in those funds.

Ticker symbol and percentage of portfolio:

FSTVX - Spartan Total Mkt Index - Fidelity Adv Class - 48.96%
FOSFX - Fidelity Overseas Fund - 12%
FPMAX- Spartan Emerging Markets - 10.08%
FINPX - Fidelity TIPS - 1.74%
VGSNX - Vanguard REIT Index, Institutional Shares - 3.77%
FSRVX - Spartan® Real Estate Index Fund - Fidelity Advantage Class- 9.87%
FBIOX - Fidelity Select BioTech - 5.42%
FDRXX - Fidelity Cash Reserves - 1.27%
FNCMX - NASDAQ Index - 6.90%

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cfs
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Re: What are you up YTD? [Year To Date]

Postby cfs » Tue Aug 02, 2016 2:47 pm

J295 wrote:Perhaps I'm an outlier on this board, but we don't keep track of YTD investment returns. We have our IPS and review allocations quarterly (adjusting when bands are hit), and our spreadsheet shows year to year totals for the various allocation categories so we know which direction we are heading. Age 57 and mostly retired.

No you are NOT alone. I track my portfolio "growth" from year to year, and hopefully on 31 December 2016 my balance will be larger than what I had on 31 December 2015. Good luck with your investments.

Thanks for reading.

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Uncle Pennybags
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Re: What are you up YTD? [Year To Date]

Postby Uncle Pennybags » Tue Aug 02, 2016 3:54 pm

dandypandys wrote:I probably should rebalance soon, but not sure of the timing? or how best to do it. I really want 80/20 and 20-25% international
If you are still in the accumulation phase just add more money to the accounts you want it increase and reinvest all dividends there too. That's how I keep my asset allocation. It is a form of dollar cost averaging with a buy low twist. You can dollar cost average by transferring a small amount over a period of time too.

bayview
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Re: What are you up YTD? [Year To Date]

Postby bayview » Tue Aug 02, 2016 6:42 pm

Trailing portfolio return (time-weighted return, comparable return)

Portfolio return as of 7/31/16
1 month 1.70%
3 months 2.64%
6 months 6.46%
YTD 4.27%
1 year 1.70%
3 years* 4.61%

63.6% bonds - all Treasuries, mostly G fund, the rest VG Treasury funds
29.0% US stock - approximately broad US market (some juggling with TSP options)
7.4% International - VFSVX ex-US small cap

Not adventurous, but we sleep well at night, 4 1/2 years out from retirement, knock wood.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

GoldenFinch
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Re: What are you up YTD? [Year To Date]

Postby GoldenFinch » Tue Aug 02, 2016 7:39 pm

cfs wrote:
J295 wrote:Perhaps I'm an outlier on this board, but we don't keep track of YTD investment returns. We have our IPS and review allocations quarterly (adjusting when bands are hit), and our spreadsheet shows year to year totals for the various allocation categories so we know which direction we are heading. Age 57 and mostly retired.

No you are NOT alone. I track my portfolio "growth" from year to year, and hopefully on 31 December 2016 my balance will be larger than what I had on 31 December 2015. Good luck with your investments.

Thanks for reading.


I do this too! But when the market is up, I can't help but look along the way. As the market goes down, I don't pay attention so much. Savings are automated, so it doesn't matter anyway. :happy

Bacchus01
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Re: What are you up YTD? [Year To Date]

Postby Bacchus01 » Tue Aug 02, 2016 8:59 pm

Somewhere around 20% using Beardstown Ladies.

About half of that is portfolio growth. Call it 10%.

Sounds about right.

bayview
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Re: What are you up YTD? [Year To Date]

Postby bayview » Wed Aug 03, 2016 5:54 pm

Bacchus01 wrote:Somewhere around 20% using Beardstown Ladies.

About half of that is portfolio growth. Call it 10%.

Sounds about right.

:D
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

Almost there
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Re: What are you up YTD? [Year To Date]

Postby Almost there » Thu Aug 04, 2016 3:54 pm

Asset Allocation:
55% stocks
45% bonds

How do I find out how much money I made?
All my funds are with VG.
Do I look at the return for each fund?

Almost there

moshe
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Re: What are you up YTD? [Year To Date]

Postby moshe » Fri Aug 05, 2016 12:38 am

Here is a simple formula you can use: (current value/beginning value) -1. If you want more precise you could use the XIRR function of Excel to produce an annual return and them compensate for actual time that has passed since beginning value date.

If you reinvested your dividends you don't have to do anything as the current value will already include the reinvested dividends. If you didn't reinvest you should add dividends collected to the CV and then divided by the BV, all minus 1 to turn it into a decimal result.

if you added new money then you should figure your actual $ gains by taking your CV (plus dividends if not reinvested) minus your (BV plus new money additions). You can then take this gain or loss result divided by the BV. XIRR would be more accurate but this calculation is close enough in my opinion if you are comparing your percentage returns against some benchmark.

~Moshe
My money has no emotions. ~Moshe | | I'm the world's greatest expert on my own opinion. ~Bruce Williams

Engineer250
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Re: What are you up YTD? [Year To Date]

Postby Engineer250 » Fri Aug 05, 2016 2:59 pm

moshe wrote:Here is a simple formula you can use: (current value/beginning value) -1. If you want more precise you could use the XIRR function of Excel to produce an annual return and them compensate for actual time that has passed since beginning value date.

If you reinvested your dividends you don't have to do anything as the current value will already include the reinvested dividends. If you didn't reinvest you should add dividends collected to the CV and then divided by the BV, all minus 1 to turn it into a decimal result.

if you added new money then you should figure your actual $ gains by taking your CV (plus dividends if not reinvested) minus your (BV plus new money additions). You can then take this gain or loss result divided by the BV. XIRR would be more accurate but this calculation is close enough in my opinion if you are comparing your percentage returns against some benchmark.

~Moshe


Thanks I like this quick and dirty method. Looks like I am up 9.9% YTD, not including new contributions via the 2nd method above. I just switched over to a small portion of fixed income a couple weeks ago, so this is mostly off a 100% equity portfolio. I started using Personal Capital a few months ago so look forward to when it can give me more precise numbers going forward since it seems to sift out my contributions pretty well.

On a side note, trying to figure out what my starting balance was meant I had to go pull up old statements from my prior 401k, which was with Vanguard (I rolled over to TSP). The funds I was in are bonkers. Just because something says Vanguard doesn't mean it's cheap. Due to some prior misunderstanding of financials I thought I needed mid and small cap separate from some total market index. My mid cap had an ER of .99 and small had .97. The bond fund had .47 and the international (which I just realized was MSCI EAFE apparently, so didn't even include emerging) was .95 and that was the only international they offered. So don't let it be said that just because someone has Vanguard for their 401k that they don't have expensive funds. I probably could have picked better, their 1000 index I was in was .08 so that was okay. I think they had an admiral fund for S&P 500 which might have been even cheaper, but the fund selections were pretty poor and limited (I think they had all the target retirement funds, I'd have been so much better off in one of those). I blame my executives who I think were trying to mimic the funds available in the prior 401k. Nice to be in .029 TSP land now! Not bad to be in .05 territory in my Vanguard Roth as well.

columbia
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Re: What are you up YTD? [Year To Date]

Postby columbia » Fri Aug 05, 2016 10:20 pm

No idea, but TBM has returned twice as much as TSM this year...not bad.

The Casualty
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Re: What are you up YTD? [Year To Date]

Postby The Casualty » Sat Aug 06, 2016 12:16 am

Retired. 60, 50/50 portfolio.

+ $ 139,000 = 4.98 % YTD

Loving VWIAX this year.

Almost there
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Re: What are you up YTD? [Year To Date]

Postby Almost there » Sun Aug 07, 2016 3:44 pm

Thank you Moshe:

Here is a simple formula you can use: (current value/beginning value) -1. If you want more precise you could use the XIRR function of Excel to produce an annual return and them compensate for actual time that has passed since beginning value date.

If you reinvested your dividends you don't have to do anything as the current value will already include the reinvested dividends. If you didn't reinvest you should add dividends collected to the CV and then divided by the BV, all minus 1 to turn it into a decimal result.

if you added new money then you should figure your actual $ gains by taking your CV (plus dividends if not reinvested) minus your (BV plus new money additions). You can then take this gain or loss result divided by the BV. XIRR would be more accurate but this calculation is close enough in my opinion if you are comparing your percentage returns against some benchmark.


It was quite helpful.

YTD: 6.13%

Almost there

livesoft
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Re: What are you up YTD? [Year To Date]

Postby livesoft » Sun Aug 07, 2016 4:26 pm

columbia wrote:No idea, but TBM has returned twice as much as TSM this year...not bad.

Vanguard says that this year its TBM has returned 5.57% and its TSM has returned 8.24% and its TISM has returned 4.40%.
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cfs
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Re: What are you up YTD? [Year To Date]

Postby cfs » Sun Aug 07, 2016 5:30 pm

Just like in downtown.

Well, then The Three-Fund Portfolio is doing fine [in ref to previous note from our shipmate Live Soft]. Good luck with your investments.

Thanks for reading.

Almost there
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Re: What are you up YTD? [Year To Date]

Postby Almost there » Sun Aug 07, 2016 6:39 pm

I just wish when people are using initials, they would also explain what the initials stand for. It is truly frustrating. Each posting should stand on its own two feet so the reader will understand the posting.

? TSM, ? TBM, ? TISM

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moshe
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Re: What are you up YTD? [Year To Date]

Postby moshe » Sun Aug 07, 2016 6:54 pm

Almost there wrote:I just wish when people are using initials, they would also explain what the initials stand for. It is truly frustrating. Each posting should stand on its own two feet so the reader will understand the posting.

? TSM, ? TBM, ? TISM

Almost there


TSM = Total Stock Market. Symbol: VTI or ITOT
TBM = Total Bond Market. Symbol: BND or AGG
TISM = Total International Stock Market. Symbol: VXUS or IXUS

Hope this helps,
~Moshe
My money has no emotions. ~Moshe | | I'm the world's greatest expert on my own opinion. ~Bruce Williams

Almost there
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Re: What are you up YTD? [Year To Date]

Postby Almost there » Sun Aug 07, 2016 7:03 pm

Thank you Moshe for the input:

TSM = Total Stock Market. Symbol: VTI or ITOT
TBM = Total Bond Market. Symbol: BND or AGG
TISM = Total International Stock Market. Symbol: VXUS or IXUS


Now I am more than before confused.

For Total Stock I use: VTSAX
For Total Bond I use: VBTLX
For International Stock I use: VTIAX

Why are yours different and why do you show more than 2 symbols?

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moshe
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Re: What are you up YTD? [Year To Date]

Postby moshe » Sun Aug 07, 2016 7:10 pm

Almost there wrote:Thank you Moshe for the input:

TSM = Total Stock Market. Symbol: VTI or ITOT
TBM = Total Bond Market. Symbol: BND or AGG
TISM = Total International Stock Market. Symbol: VXUS or IXUS


Now I am more than before confused.

For Total Stock I use: VTSAX
For Total Bond I use: VBTLX
For International Stock I use: VTIAX

Why are yours different and why do you show more than 2 symbols?

Almost there


You asked me what TSM stood for and i told you and then i told you the exchange-traded fund (ETF) stock symbols that track that index which are sold by different market makers/brokers. One ETF is by Vanguard (VTI) and one is by iShares(ITOT) and sold by other brokers, Fidelity, TD Ameritrade, etc.

VTSAX is the symbol for Vanguard's' TSM mutual fund. VTI is Vanguard's equivalent TSM sold as an ETF (VTSAX = VTI, more or less)....and so on.

Compare ETFs vs. mutual funds
https://investor.vanguard.com/etf/etf-vs-mutual-fund

Does this help?

~Moshe
My money has no emotions. ~Moshe | | I'm the world's greatest expert on my own opinion. ~Bruce Williams

Almost there
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Re: What are you up YTD? [Year To Date]

Postby Almost there » Sun Aug 07, 2016 7:43 pm

Oh thank you Moshe for your input. I didn't know you were writing about exchange traded funds.
Appreciate your time and effort explaining it to me including giving me the Vanguard's website.

Almost there

livesoft
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Re: What are you up YTD? [Year To Date]

Postby livesoft » Sun Aug 07, 2016 10:23 pm

Other financial vendors have their own versions of TBM, TSM, and TISM, so the ticker symbols just shown are not the only ones possible.
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jamesthebaker
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Re: What are you up YTD? [Year To Date]

Postby jamesthebaker » Sun Aug 07, 2016 10:46 pm

I used Quicken to generate IRR year to date which is the most accurate method I know of determining rate of return.

28% Vanguard Total Bond
10% individual stocks
62% Vanguard Total Stock

8.5% YTD return as of today.

This aided greatly by good luck with my individual stocks (and I do mean luck). With my finance degree I still enjoy picking some individual stocks but I limit exposure to 10% of my portfolio and index fund the rest of it.

My individual stocks:

Ford F down roughly 10%
Altria MO up double digits
Fiserv FISV up double digits
Exact Sciences EXAS up almost 200%

I'm not recommending individual stocks, just have been lucky this year and again this is only a small part of my portfolio.

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jazman12
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Re: What are you up YTD? [Year To Date]

Postby jazman12 » Mon Aug 08, 2016 2:31 pm

3.8% total return aprox65 st/35 bd allocation

2Birds1Stone
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Re: What are you up YTD? [Year To Date]

Postby 2Birds1Stone » Mon Aug 08, 2016 2:36 pm

+9.95%

TheBestOrNothing
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Re: What are you up YTD? [Year To Date]

Postby TheBestOrNothing » Mon Aug 08, 2016 4:36 pm

5.65% YTD

100% Stocks

GoldenFinch
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Re: What are you up YTD? [Year To Date]

Postby GoldenFinch » Mon Aug 08, 2016 5:33 pm

So far YTD 6.95.

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BeBH65
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Re: What are you up YTD? [Year To Date]

Postby BeBH65 » Tue Aug 09, 2016 6:48 am

Hello James,

jamesthebaker wrote:I used Quicken to generate IRR year to date which is the most accurate method I know of determining rate of return.

28% Vanguard Total Bond
10% individual stocks
62% Vanguard Total Stock

8.5% YTD return as of today.

This aided greatly by good luck with my individual stocks (and I do mean luck). With my finance degree I still enjoy picking some individual stocks but I limit exposure to 10% of my portfolio and index fund the rest of it.

My individual stocks:

Ford F down roughly 10%
Altria MO up double digits
Fiserv FISV up double digits
Exact Sciences EXAS up almost 200%

I'm not recommending individual stocks, just have been lucky this year and again this is only a small part of my portfolio.

Out of curiosity; what is your re-balancing strategy on your individual stocks? i.e. is the 10% at the beginning of the year or today?

Regards,
BeBH65. (only an investment enthusiast, not a financial adviser, perform your due diligence).

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kenyan
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Re: What are you up YTD? [Year To Date]

Postby kenyan » Wed Aug 10, 2016 12:33 pm

Up about 10.7% not counting contributions. XIRR gives about 17.5% return annualized (both numbers inexact; I only do real calculations at the end of the year).

It's been a good year thus far for EM and REITs in particular, with small value not far behind, but everything is up.
Retirement investing is a marathon.

lazydavid
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Re: What are you up YTD? [Year To Date]

Postby lazydavid » Thu Aug 11, 2016 6:58 am

Don't want to go through the exercise of precisely subtracting out contributions, so here's the lazy version:

Total gain on accounts not receiving contributions: 7.8%
Total increase on accounts receiving contributions: 38.2%
Total increase on portfolio including contributions: 16.9%

The first group of accounts make up 74% of our current total, down from 80% at the start of the year.

rixer
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Re: What are you up YTD? [Year To Date]

Postby rixer » Thu Aug 11, 2016 9:07 am

Right now it's 6.5 with 40 stocks 60 bonds.

Nowizard
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Re: What are you up YTD? [Year To Date]

Postby Nowizard » Thu Aug 11, 2016 10:16 am

60.40 and 8.13% as of yesterday.

Tim

Broken Man 1999
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Re: What are you up YTD? [Year To Date]

Postby Broken Man 1999 » Thu Aug 11, 2016 12:24 pm

Wife and I are 63.

Up 4.8% 01/01/16 - 08/10/16.

30% cash/MM
42.8% stocks
27.2% bonds

Broken Man 1999

Rodc
Posts: 13601
Joined: Tue Jun 26, 2007 9:46 am

Re: What are you up YTD? [Year To Date]

Postby Rodc » Thu Aug 11, 2016 3:11 pm

8.63%

Someone up thread says REITS are up 15+% YTD. That cannot be. I know because I read some threads in the last year or two that said REITS were then over valued. :)
We live a world with knowledge of the future markets has less than one significant figure. And people will still and always demand answers to three significant digits.


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