What are you up YTD? [Year To Date]

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

Post by Garco » Sat Dec 31, 2016 9:19 am

In my core retirement account, I finished +6.8%, with 51% equities. Wish it were better but it is what it is -- and I "safely" took my ~4% RMD without depleting the fund. I have no plans to change my allocation for 2017.

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

Post by TheTimeLord » Sat Dec 31, 2016 9:37 am

Beardstown Ladies tell me my portfolio is up 16.06% thanks in large measure to the wise deployment of human capital. More importantly in absolute dollar terms 2016 was by far the best year since I started tracking my results in 2010 breaking the record from 2013. My portfolio has now grown by double digits in 6 of the last 7 years (Beardstown Lady Style) with the exception being 2015. Onward to 2017.
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Re: What are you up YTD? [Year To Date]

Post by sperry8 » Sat Dec 31, 2016 9:45 am

According to M* I am up 8.62% in 2016 (although it appears Dec 31 may not be in those #'s - so I may have lost to my benchmark).

I have a 70/30 stock allocation with a 66/33 domestic/int'l split. I also tilt SC & V and overweight Healthcare.

I beat my Total World benchmark by .12% (using Vanguard's VT as the proxy for those returns). This was my worst yr v the benchmark since M* tracking in 2011.

Here are my returns v the benchmark according to M*:

------ VT---- Me
2016: 8.51% 8.62%
2015: -1.86% 1.83%
2014: 3.67% 10.73%
2013: 22.95% 34.38%
2012: 17.12% 17.84%
2011: -7.50% -3.65%

Via quick perusal - my overperformance from 2011-2015 was due to my sig overweight in HC and my underperformance this year was due to the same. I'm cool with that as I'm a believer in this sector tilt.
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Re: What are you up YTD? [Year To Date]

Post by grettman » Sat Dec 31, 2016 9:53 am

I am in the accumulation phase. Up 16% (includes principal I added though). I am 90% stocks/10% CDs.

This much better than 2015 where I was up only 4% (which included my contributions).

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

Post by sperry8 » Sat Dec 31, 2016 9:59 am

TheTimeLord wrote:Beardstown Ladies tell me my portfolio is up 16.06% thanks in large measure to the wise deployment of human capital. More importantly in absolute dollar terms 2016 was by far the best year since I started tracking my results in 2010 breaking the record from 2013. My portfolio has now grown by double digits in 6 of the last 7 years (Beardstown Lady Style) with the exception being 2015. Onward to 2017.


grettman wrote:I am in the accumulation phase. Up 16% (includes principal I added though). I am 90% stocks/10% CDs.

This much better than 2015 where I was up only 4% (which included my contributions).


Wow - you're both up more than the US, EM and/or Int'l. How? Are you both in all domestic value? That seems to be the only sector that made more than 16%.
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Re: What are you up YTD? [Year To Date]

Post by grettman » Sat Dec 31, 2016 10:08 am

sperry8 wrote:
TheTimeLord wrote:Beardstown Ladies tell me my portfolio is up 16.06% thanks in large measure to the wise deployment of human capital. More importantly in absolute dollar terms 2016 was by far the best year since I started tracking my results in 2010 breaking the record from 2013. My portfolio has now grown by double digits in 6 of the last 7 years (Beardstown Lady Style) with the exception being 2015. Onward to 2017.


grettman wrote:I am in the accumulation phase. Up 16% (includes principal I added though). I am 90% stocks/10% CDs.

This much better than 2015 where I was up only 4% (which included my contributions).


Wow - you're both up more than the US, EM and/or Int'l. How? Are you both in all domestic value? That seems to be the only sector that made more than 16%.


I did some quick math and if you exclude my contributions (my own capital), and just look at market returns, I am up 12%. I know I should but I don't, look at just market performance. For me it, it doesn't matter since I just accept what the market gives me...blind faith I suppose.... By the way international only accounts for 4% of my portfolio (the I fund in TSP).

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

Post by montanagirl » Sat Dec 31, 2016 10:10 am

Meh, 4.8%. Too much in bonds I guess. I want to get to 50/50 but, uh, not right now.. :|

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

Post by SQRT » Sat Dec 31, 2016 10:28 am

The results of my 100% Canadian equity portfolio (IRR) are as follows.

I year 26.7%
3 year 13.1%
5 year 15.5%
10 year 10.2%

2016 was my best year since 2009. These results are much better than the Canadian benchmarks. Did absolutely no trading in 2016. So much for expected lower returns.
Last edited by SQRT on Sat Dec 31, 2016 10:32 am, edited 1 time in total.

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

Post by BW1985 » Sat Dec 31, 2016 10:30 am

I don't track this but VG 'balances over time' says 7.3% for 1 year. Not sure how accurate that is, it also includes my EF which is cash sitting in a money market.
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TheTimeLord
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Re: What are you up YTD? [Year To Date]

Post by TheTimeLord » Sat Dec 31, 2016 10:38 am

sperry8 wrote:
TheTimeLord wrote:Beardstown Ladies tell me my portfolio is up 16.06% thanks in large measure to the wise deployment of human capital. More importantly in absolute dollar terms 2016 was by far the best year since I started tracking my results in 2010 breaking the record from 2013. My portfolio has now grown by double digits in 6 of the last 7 years (Beardstown Lady Style) with the exception being 2015. Onward to 2017.


grettman wrote:I am in the accumulation phase. Up 16% (includes principal I added though). I am 90% stocks/10% CDs.

This much better than 2015 where I was up only 4% (which included my contributions).


Wow - you're both up more than the US, EM and/or Int'l. How? Are you both in all domestic value? That seems to be the only sector that made more than 16%.


In my case I am using the Beardstown Ladies calculation method which included contributions. I just track the changes in my portfolio in dollar terms because in the end, best I can tell, that is all that matters anyway. For me personally if I tracked the performance of my portfolio like most do then I would feel the need to tinker or chase the hot area. Instead I try to be satisfied that the market returns what it returns in each area of my portfolio and concentrate on risk management instead of returns, which I can't change. My guess is that there are not a lot of more conservatively positioned portfolios than mine but as long as it is growing double digits each year (including contributions) and I already have enough to for all intents and purposes financially independent why take unnecessary risk. As Larry Swedroe shared with me "the surest way to create a small fortune is to start with a large one and take too much risk." so I try to take that wisdom to heart. Or look at it as Bernstein's I have won the game so I have stopped playing in the sense of taking risk because of the need for reward. All that said there are many, many Bogleheads that are apparently far, far wealthier than I will ever be (lots of mid-7 and 8 digit portfolios).

So bottomline my returns (while very impressive to myself) are probably not as impressive as your first read took them to be. Happy investing in 2017.
Last edited by TheTimeLord on Sat Dec 31, 2016 10:40 am, edited 1 time in total.
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon » Sat Dec 31, 2016 10:40 am

Retired, age 71, asset allocation 50/50.

Best performing fund Vanguard Small-cap Value Index Fund, up 24.78%.

Portfolio total return = 7.53%.
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Re: What are you up YTD? [Year To Date]

Post by Tycoon » Sat Dec 31, 2016 10:48 am

9.80%
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Re: What are you up YTD? [Year To Date]

Post by QuietProsperity » Sat Dec 31, 2016 10:50 am

11.06%

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

Post by BW1985 » Sat Dec 31, 2016 10:53 am

ruralavalon wrote:Retired, age 71, asset allocation 50/50.

Best performing fund Vanguard Small-cap Value Index Fund, up 24.78%.

Portfolio total return = 7.53%.


Nice! How much of your 50% is SCV? I'm always curious about how much people tilt.

Also, you really helped me when I was getting started about 7 yrs ago, thank you for that. :sharebeer
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Re: What are you up YTD? [Year To Date]

Post by zaboomafoozarg » Sat Dec 31, 2016 11:20 am

My 401k site says my 2016 return was 8.75%, so my portfolio return is probably somewhere around 8-9%.

Including contributions my increase was 24.5%.
Last edited by zaboomafoozarg on Sat Dec 31, 2016 11:35 am, edited 1 time in total.

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

Post by just frank » Sat Dec 31, 2016 11:21 am

TheTimeLord wrote:
In my case I am using the Beardstown Ladies calculation method which included contributions. I just track the changes in my portfolio in dollar terms because in the end, best I can tell, that is all that matters anyway. For me personally if I tracked the performance of my portfolio like most do then I would feel the need to tinker or chase the hot area. Instead I try to be satisfied that the market returns what it returns in each area of my portfolio and concentrate on risk management instead of returns, which I can't change. My guess is that there are not a lot of more conservatively positioned portfolios than mine but as long as it is growing double digits each year (including contributions) and I already have enough to for all intents and purposes financially independent why take unnecessary risk. As Larry Swedroe shared with me "the surest way to create a small fortune is to start with a large one and take too much risk." so I try to take that wisdom to heart. Or look at it as Bernstein's I have won the game so I have stopped playing in the sense of taking risk because of the need for reward. All that said there are many, many Bogleheads that are apparently far, far wealthier than I will ever be (lots of mid-7 and 8 digit portfolios).

So bottomline my returns (while very impressive to myself) are probably not as impressive as your first read took them to be. Happy investing in 2017.


The Ladies think I made 17.9% average CAGR for the last 8 years running. 8-)
Last edited by just frank on Sat Dec 31, 2016 11:49 am, edited 1 time in total.

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

Post by ruralavalon » Sat Dec 31, 2016 11:24 am

BW1985 wrote:
ruralavalon wrote:Retired, age 71, asset allocation 50/50.

Best performing fund Vanguard Small-cap Value Index Fund, up 24.78%.

Portfolio total return = 7.53%.


Nice! How much of your 50% is SCV? I'm always curious about how much people tilt.

Also, you really helped me when I was getting started about 7 yrs ago, thank you for that. :sharebeer

Vanguard Small-cap Value Index Fund is about 11% of portfolio, about 22% of stocks, and about 27% of domestic stocks.
Last edited by ruralavalon on Sat Dec 31, 2016 11:59 am, edited 1 time in total.
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Re: What are you up YTD? [Year To Date]

Post by LadyGeek » Sat Dec 31, 2016 11:57 am

Based on Vanguard's definition of YTD performance, I got +8.8%.

I use a Lazy portfolio modeled after Vanguard's 2020 target retirement fund.* Rebalancing was done earlier this week.

My Mom's portfolio is mostly Vanguard's Target Income Retirement fund, along with some tax-free muni and US bond funds held in a taxable account (not worth the effort to change anything). YTD is +2.5%, which is perfectly fine for someone who needs to preserve capital.

* Here's how: Approximating Vanguard target date funds
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Re: What are you up YTD? [Year To Date]

Post by ikowik » Sat Dec 31, 2016 12:02 pm

8% for 2016. 50/50 portfolio, mostly index funds, some Wellington, Wellesley and TIAA-Traditional.
International 20% of stocks.

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

Post by triceratop » Sat Dec 31, 2016 12:17 pm

My 1-year trailing Portfolio return is 10.29%. My benchmark (45/45/10 VTIAX/VTSAX/BND) returned 8.05%.

I have a 90/10 Stocks/Bonds portfolio with 50/50 US/Intl equities; however I was buying international all year to achieve this so perhaps not a fair comparison yet.

Beardstown ladies return is 135%. :shock:
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Re: What are you up YTD? [Year To Date]

Post by steve roy » Sat Dec 31, 2016 12:27 pm

Up 4.4% with a 30/70 allocation. We are largely out of the equities game, but will increase holdings next year when slugs of new money come in.

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

Post by The Casualty » Sat Dec 31, 2016 12:39 pm

6.25% 50/50. Drags on portfolio this year were GE Stock, and VG Health Care.

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

Post by Cramerica » Sat Dec 31, 2016 1:22 pm

Using XIRR:
HSA: 16%
Roth: 24%
Solo 401k: 25%
Taxable: 28%

Not using XIRR:
Employer 401k: 12% according to Net Benefits. Will calculate this when I have time.
-------------------

The HSA is passively managed (100% equities).

The employer 401k was passive, but I started actively managing it this year. All bonds (0-10% of the overall portfolio; currently 3% and increasing) and international (0-5%; currently 2%) are held in the 401k.
Last edited by Cramerica on Sat Dec 31, 2016 6:23 pm, edited 1 time in total.

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

Post by xystici » Sat Dec 31, 2016 1:35 pm

Here are my numbers for 2016; performance of fund returns show own performance (i.e. contributions, re-balancing, etc).
Another fantastic year. Best wishes to all for 2017.

Return of investment portfolio = 7.3%
    US Stocks
    [25%] Vanguard Total Stock Market = 12.7%
    [3%] Vanguard Mid Cap = 11.4%
    [8%] Vanguard Small Cap = 18.6%
    [4%] Vanguard REIT = 7.9%

    International
    [29%] Vanguard Total International Market = 5.1%

    Bonds
    [29%] Vanguard Total Bond Market = 2.4%
    [2%] Vanguard Inflation Protected = 3.3%


Networth growth = 12.3%
    Growth from savings = 63%
    Growth from wealth (Interests, distributions, market appreciation, etc) = 37%

Savings as % of gross income = 42%
Last edited by xystici on Sat Dec 31, 2016 1:50 pm, edited 1 time in total.
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Re: What are you up YTD? [Year To Date]

Post by livesoft » Sat Dec 31, 2016 1:37 pm

Cramerica wrote:Using XIRR:
.
.
Solo 401k: 25%
.
Not using XIRR:
401k: 12% according to Net Benefits (but likely 15-20% using XIRR). Will calculate this when I have time.
-------------------

Fidelity Net Benefits does use an XIRR algorithm. The performance I always got from the Net Benefits performance number always matched my XIRR() calculations :)
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Re: What are you up YTD? [Year To Date]

Post by island » Sat Dec 31, 2016 1:48 pm

TheTimeLord wrote:Beardstown Ladies tell me......


What does that mean, how are you figuring out your performance?

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

Post by ruralavalon » Sat Dec 31, 2016 1:51 pm

island wrote:
TheTimeLord wrote:Beardstown Ladies tell me......


What does that mean, how are you figuring out your return?

That refers to total growth of portfolio including contributions, appreciation and dividends.

The Beardstown Ladies are an investment club in Beardstown, Illinois. Years ago they caused quite a stir when they claimed astounding investing returns. It turned out that they were miscalculating , by including their contributions in their "returns".
Last edited by ruralavalon on Sat Dec 31, 2016 1:55 pm, edited 1 time in total.
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Re: What are you up YTD? [Year To Date]

Post by livesoft » Sat Dec 31, 2016 1:52 pm

island wrote:
TheTimeLord wrote:Beardstown Ladies tell me......


What does that mean, how are you figuring out your performance?

Great wikipedia article: https://en.wikipedia.org/wiki/Beardstown_Ladies
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Re: What are you up YTD? [Year To Date]

Post by honduranhurricane » Sat Dec 31, 2016 1:53 pm

401K +12.8% ~70/30 AA.
HSA +13.0% 100/0 AA.
Roth +12% 100/0 AA. This account I am shifting toward indexes from individual equities


401K: 90+% of retirement assets
Equity allocation skewed toward small and mid cap indexes (~55%),,,I am keeping this as we head into 2017. Small/Mid cap weight holds roughly true for HSA and Roth 100% equity AA.

401K Bond allocation is 100% LSFYX, +11.5% 2016 per M*.

401K had a favorable HY tactical move (~8% of portfolio) that generated +10% in ~5 months (on top of my allocation to LSFYX). Funds were redeployed towards equities from late Sept through late Nov.

Looking forward to 2017! Cheers.
Last edited by honduranhurricane on Sat Dec 31, 2016 6:58 pm, edited 2 times in total.

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

Post by Cramerica » Sat Dec 31, 2016 2:03 pm

livesoft wrote:
Cramerica wrote:Using XIRR:
.
.
Solo 401k: 25%
.
Not using XIRR:
401k: 12% according to Net Benefits (but likely 15-20% using XIRR). Will calculate this when I have time.
-------------------

Fidelity Net Benefits does use an XIRR algorithm. The performance I always got from the Net Benefits performance number always matched my XIRR() calculations :)


Good to know! If only the regular Fidelity website used XIRR... :twisted:

Fidelity also adds dividends to the cost basis of my HSA for some reason (but not to my Roth or Solo 401k). I asked them about it and they said there's no way to change it at this time. That just artifically lowers my HSA return, in addition to already lowering it by not using XIRR.

The 401k does make sense, though. 12% for my 401k, which was around 30-40% bonds for most of the year. The international market timing worked, but was still lower than domestic gains so that also makes sense. I also did some key market timing moves in the other accounts before "rebalancing" out of bonds in the 401k.

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

Post by island » Sat Dec 31, 2016 2:32 pm

livesoft wrote:
island wrote:
TheTimeLord wrote:Beardstown Ladies tell me......


What does that mean, how are you figuring out your performance?

Great wikipedia article: https://en.wikipedia.org/wiki/Beardstown_Ladies


Yes, thanks, read that bit and some others that I Googled, so I'm confused...
Are posters including their own contributions to their accounts?

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

Post by Doom&Gloom » Sat Dec 31, 2016 2:32 pm

Doom&Gloom wrote:8.6%
55/35/10 (stock/bond/reit)

All mutual funds. Sliced and diced.

Re-balanced once--reduced reit; increased bond.

Tinkered with slightly to adjust some bond funds, to transfer some funds to funds with lower expenses, and to get AA in funds in different accounts aligned more closely according to the needs of the beneficiary of that account.


Above post is from 9/6/16. Finished 2016 at 8.0%.

I had planned to re-allocate to 50/40/10 and to eliminate one fund from portfolio on 1/1/17. I accelerated both of those moves to a few days after the election.

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

Post by Cramerica » Sat Dec 31, 2016 2:38 pm

livesoft wrote:
Cramerica wrote:Using XIRR:
.
.
Solo 401k: 25%
.
Not using XIRR:
401k: 12% according to Net Benefits (but likely 15-20% using XIRR). Will calculate this when I have time.
-------------------

Fidelity Net Benefits does use an XIRR algorithm. The performance I always got from the Net Benefits performance number always matched my XIRR() calculations :)


I just realized you quoted my solo 401k as well.

I have a separate solo/individual 401k and employer 401k so the using XIRR versus not using XIRR was not for the same 401k...hence the dramatic difference in returns.

The solo 401k was actively managed from the start.

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

Post by HongKonger » Sat Dec 31, 2016 2:40 pm

14.62%
No additions and all dividends taken in cash.

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

Post by Makaveli » Sat Dec 31, 2016 2:45 pm

14.3%, 85:15 split, believe I did everything correctly (current market value, contributions, dividends, and withdrawals) but it sounds awfully high.

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

Post by Robert44 » Sat Dec 31, 2016 2:55 pm

50/45/5
10.17%

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

Post by John Z » Sat Dec 31, 2016 2:57 pm

+6.9% 45/55 Coffeehouse retired 4.5 years.

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

Post by livesoft » Sat Dec 31, 2016 3:03 pm

island wrote:
livesoft wrote:
island wrote:
TheTimeLord wrote:Beardstown Ladies tell me......


What does that mean, how are you figuring out your performance?

Great wikipedia article: https://en.wikipedia.org/wiki/Beardstown_Ladies


Yes, thanks, read that bit and some others that I Googled, so I'm confused...
Are posters including their own contributions to their accounts?

Only jokingly to goose their returns and have some fun with eye-popping results.
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Re: What are you up YTD? [Year To Date]

Post by Aptenodytes » Sat Dec 31, 2016 3:43 pm

8.9%
AA was 50-50 January-October. Since then 30% equities. Weighted average would be 46.7% equities.
Equities have been 50% international all year. Modest small-value tilt Jan-Oct; heavy tilt since then.
Like most people I'm answering a different question than the one posed in the title. I'm telling my portfolio return, XIRR-style.

Benchmarking is hard with this portfolio. The V. 2015 target date fund has the same equity percentage, if you do a weighted average of mine. But its international exposure is less (40% of equities), it doesn't tilt, and it holds international bonds. So kind of apples/oranges, but it returned 6.2%.

My "bond" portfolio is a bit funky too:
TIAA Traditional, 48% (3.75% return)
High-Yield Corporate, 23% (11.2% return)
CDs, 12% (0.8% return) {basically an unforced error; these should have been in a fully-liquid TIAA-TRAD at 3.0%; lesson learned}
Individual TIPS, 11% (I don't mark these to market so I don't even know the total return, but the weighted-average face rate is 0.3%)
Short and intermediate Treasuries, 6% (2.5% return)
But those percentages weren't constant over the year, and some shifted a lot (e.g. I moved a lot from treasuries to TRAD late in the year).

For several years I have shifted my Treasury holdings between short and intermediate term based on the yield curve. But I never sat down and calculated if that mattered. For this past year using a quick-and-dirty calculus it seems to have helped, but I don't pretend that's definitive for whether what I do actually helps as a long-term strategy. In any event, I was in intermediates in January and December, and in short-terms otherwise. That seems to have gotten me a return of 2.5%, whereas short-terms returned 1.1% and intermediates returned 1.2%.

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

Post by Uncle Pennybags » Sat Dec 31, 2016 3:48 pm

TheTimeLord wrote:Beardstown Ladies tell me my portfolio is up 16.06%...
Beardstown accounting I'm up 31%; can't go wrong by dumping money in.

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

Post by sergeant » Sat Dec 31, 2016 3:49 pm

About 6.5% with about 50% equities/50% stable value AA.
Lincoln 3 EOW!

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

Post by island » Sat Dec 31, 2016 3:52 pm

livesoft wrote:
island wrote:
livesoft wrote:
island wrote:
TheTimeLord wrote:Beardstown Ladies tell me......


What does that mean, how are you figuring out your performance?

Great wikipedia article: https://en.wikipedia.org/wiki/Beardstown_Ladies


Yes, thanks, read that bit and some others that I Googled, so I'm confused...
Are posters including their own contributions to their accounts?

Only jokingly to goose their returns and have some fun with eye-popping results.


Hmmmm so I should include my 1 account that says I'm up 166.2% because I lump summed in a pile? :twisted:

Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning.

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

Post by bayview » Sat Dec 31, 2016 3:57 pm

Still stubbornly using longinvest's https://www.bogleheads.org/wiki/Calculating_personal_returns, because it's consistent and makes sense, even though IRR gives a higher number. :D

For newer members here, this method excludes contributions (and withdrawals), so it's returns, plain and simple.

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

Portfolio return as of 12/31/16
1 month 0.75%
3 months 3.59%
6 months 2.40%
YTD 4.99%
1 year 4.99%
3 years* 3.28%

Moving from a 35/65 AA to current 39/61, goal of 40/60, using new contributions (not selling bonds):

61% Treasuries, mostly G fund in TSP, rest VG Treasury funds
31.2% US index stock funds (C and S in TSP, rest in VG) (80% of equities)
7.8% small cap international index (VFSVX) (20% of equities)
Last edited by bayview on Sat Dec 31, 2016 4:04 pm, edited 2 times in total.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

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

Post by Uncle Pennybags » Sat Dec 31, 2016 3:59 pm

island wrote:Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning.
Beardstown accounting is real and accepted if one states that method was used. The Ladies neglected to mention that in their accounting and that lead to all the fun and games.

There is nothing to learn. If you notice Boglehead investors all get the same results within a few percent for their asset allocation.

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

Post by livesoft » Sat Dec 31, 2016 4:10 pm

island wrote:Hmmmm so I should include my 1 account that says I'm up 166.2% because I lump summed in a pile? :twisted:

Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning.

I'll say once again that many of these numbers do not necessarily reflect true portfolio returns because of many reasons, such as
1. wrong calculation

2. only a single account or two are used, or a terrible account was left out (my "fun money" account) or a terrible investment was left out (I should not have bought that gold),

3. cash is ignored

Plus the asset allocation is often not stated or has changed somewhat throughout the course of the year.

In another thread, videos presented by Scott Bosworth of DFA shows how performance returns can vary greatly for the same portfolio just because of when a portfolio was started, when contributions were made, and when wwithdrawals were made.

At least in this thread, the start and end dates should be the same for all folks reporting, but who knows?

I recommend that inexperienced investors watch the 4-video series in that thread.

And congratulations on the 166% returns! :beer
Last edited by livesoft on Sat Dec 31, 2016 4:13 pm, edited 1 time in total.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon » Sat Dec 31, 2016 4:12 pm

island wrote:Hmmmm so I should include my 1 account that says I'm up 166.2% because I lump summed in a pile? :twisted:

Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning.

I agree. I wish everyone would stick to total return of their portfolio, and state their asset allocation.

Beardstown Ladies accounting is not a valid method for computing portfolio returns.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by island » Sat Dec 31, 2016 4:23 pm

Uncle Pennybags wrote:
island wrote:Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning.
Beardstown accounting is real and accepted if one states that method was used. The Ladies neglected to mention that in their accounting and that lead to all the fun and games.

There is nothing to learn. If you notice Boglehead investors all get the same results within a few percent for their asset allocation.


Thanks. Probably should have added a little smiley dude there since wasn't meant as a complaint.

However, I will disagree with there is nothing to learn. I am interested in how people come up with their results. Not all Bogleheads are the same obviously or post their asset allocation and I'm finding that mutual fund firms, etc vary in how they come up or post performance. Not something that's going to change my course now, just trying to understand and learn as much as possible.

I'm still working on getting all our accounts in one place on paper so I can see our portfolio as a whole, beyond just knowing dollar amount.

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

Post by Uncle Pennybags » Sat Dec 31, 2016 4:29 pm

island wrote:
Uncle Pennybags wrote:
island wrote:Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning.
Beardstown accounting is real and accepted if one states that method was used. The Ladies neglected to mention that in their accounting and that lead to all the fun and games.

There is nothing to learn. If you notice Boglehead investors all get the same results within a few percent for their asset allocation.


Thanks. Probably should have added a little smiley dude there since wasn't meant as a complaint.

However, I will disagree with there is nothing to learn. I am interested in how people come up with their results. Not all Bogleheads are the same ...
Actually Bogleheads invest the same; the only difference is age and to a lesser extent risk tolerance.

Buy everything and match the market.

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

Post by island » Sat Dec 31, 2016 4:33 pm

Uncle Pennybags wrote:
island wrote:
Uncle Pennybags wrote:
island wrote:Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning.
Beardstown accounting is real and accepted if one states that method was used. The Ladies neglected to mention that in their accounting and that lead to all the fun and games.

There is nothing to learn. If you notice Boglehead investors all get the same results within a few percent for their asset allocation.


Thanks. Probably should have added a little smiley dude there since wasn't meant as a complaint.

However, I will disagree with there is nothing to learn. I am interested in how people come up with their results. Not all Bogleheads are the same ...
Actually Bogleheads invest the same; the only difference is age and to a lesser extent risk tolerance.

Buy everything and match the market.


Not all Bogleheads are the same

jaj2276
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Re: What are you up YTD? [Year To Date]

Post by jaj2276 » Sat Dec 31, 2016 4:37 pm

XIRR of 11.48% (will be higher as 2 of my investments Dec returns won't be known until a bit later in Jan/Feb). Total portfolio increase of 27.10%. A XIRR of 7.38% from 1/1/2009.

27.5% Bonds
10% Precision Metals
41.88% US Equities (Small Value tilt)
20.62% Intl Equities

2017 will increase the bonds by 1% and decrease the US Equities by .66% and Intl Equities by .33%

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