What are you up YTD? [Year To Date]

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

Post by bayview » Sat Dec 31, 2016 4:49 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 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.


Take a look at this method, if you haven't already: https://www.bogleheads.org/wiki/Calculating_personal_returns

As mentioned above, it sets aside contributions and withdrawals. You update balances and transactions monthly. I like the fact that it uses the same logic over and over, so month-to-month comparisons actually tell me something, and you have to consciously leave stuff out if you want to fool yourself by the means that livesoft mentioned above.
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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TomatoTomahto
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Re: What are you up YTD? [Year To Date]

Post by TomatoTomahto » Sat Dec 31, 2016 4:59 pm

I only included our Vanguard Accounts (because I'm lazy), but they only returned 3.8% (63/37). Held back by international and healthcare fund.

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

Post by PhysicianOnFIRE » Sat Dec 31, 2016 5:11 pm

According to Personal Capital, my YouIndex, or the return on my portfolio this year is 11.52%

Boosted by small cap, mid cap, and emerging markets.
Held back by developed markets and bonds, while REIT slightly underperformed the S&P 500.

Cheers to a prosperous 2017!

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

Post by MnD » Sat Dec 31, 2016 6:06 pm

2016 XIRR = +9.3%
Benchmark return= +6.9%, so I beat my benchmark by 2.4 percentage points
2016 asset allocation = 75% Global market cap stocks, 25% fixed income and cash.

2016 Benchmark was 75% Total World stock market (VT), 20% Total Bond Market (BND) and 5% Money Market Prime (VMMXX).

2016 XIRR by account:
His 401-K +7.2%
His taxable +7.9%
His t-IRA +16.8%%
Her 401-K +12.2%
Her t-IRA +12.1%
Her r-IRA +16.5%%
Her ESOP +109% (balance less than 1% of investment net worth)

2015 I lagged my benchmark by 0.4 percentage points, -1.8% versus -1.4% for benchmark
2014 I lagged my benchmark by 2.5 percentage points, 1.1% versus 3.6% for benchmark
2013 I beat my benchmark by 2.3 percentage points, 19.3% versus 17.0% for benchmark
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

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

Post by ByThePond » Sat Dec 31, 2016 6:50 pm

I'm up 14.2% in a 68/32 portfolio, including cash but starting the year at 92/8 for a couple of months. Excluding the cash, the invested portfolio is up 15.4%. Contributions of 31% of salary on top of that. :beer

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

Post by moneyball » Sat Dec 31, 2016 7:14 pm

Married, 33 yr
90% stock / 10% bonds
YTD +8.4% :sharebeer

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

Post by sperry8 » Sat Dec 31, 2016 7:25 pm

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


It sounds high because you are including contributions (and withdrawals). Remove that to find your true return.
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TheTimeLord
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Re: What are you up YTD? [Year To Date]

Post by TheTimeLord » Sun Jan 01, 2017 10:02 am

ruralavalon wrote:
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.


A dollar from return or a dollar from contributions increase the value of a portfolio the same, and isn't that the goal? Why do people want to exclude returns from human capital? Should we exclude 401K matching funds too? Indexers get what the market gives and your AA is set to manage risk for your situation and risk tolerance. There is no value in seeing whose portfolio performed the best of the past 12 months, all that does is encourage people to chase greater returns. If you include contributions at least you are encouraging people to save. And especially for those just starting out their contributions are far more additive than their returns. In my case I can take less risk with my portfolio because I am still achieving a healthy return from my human capital.
Run, You Clever Boy!

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

Post by TheTimeLord » Sun Jan 01, 2017 10:02 am

island wrote:
livesoft wrote:
island wrote:
livesoft wrote:
island wrote:
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.


TheTimeLord wrote:Beardstown Ladies tell me my portfolio is up 16.06%


I include them (contributions) because for me the bottomline is how much my portfolio has changed as a whole. Actually how much it changed in actual dollars but I can live with percentages for forum discussion. If you are a Boglehead, then you are an indexer and eschew market timing. So while the Total Market I bought in February did great that really isn't the point. The point is my Total Market will perform the same as your Total Market, my S&P 500 will perform the same as your and so on. So what makes a difference in the performance, timing of the investment (luck if you don't believe in market timing) and your Asset Allocation. But your Asset Allocation is the tool you use to manage risk specific to your situation and risk tolerance so even if you get a better return than me, I shouldn't change my AA based to match yours. To sum it all out when I retire I won't care one bit what return I got what year, I will care about how many dollars I have and the number of dollars I have will include my contributions. The market is going to give what it is going to give some years you'll do better, others I will do better, but hopefully in the end we both get to where we want to go.
Run, You Clever Boy!

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

Post by Tarkus » Sun Jan 01, 2017 10:21 am

My XIRR for the year is 4.9%

I started off 60% equities/40% fixed, and shifted to 40% equities/60% fixed after I sold my business mid-year. I was surprised to see as much growth, as my new investment was mostly in bonds, and it was perfectly timed to capture the so-called bond route.

If I include my total portfolio growth, which includes "human capital", I am up bigly -- 212%!

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

Post by crg11 » Sun Jan 01, 2017 10:30 am

80/20 split between Total Stock Market Admiral and Total Bond Market Admiral.

Trailing investor return (money-weighted return, internal rate of return)

Investor return as of 12/31/2016
Since* 12/31/2013 6.3%
* Annual compound return

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

Portfolio return as of 12/31/2016
1 month 1.7%
3 months 3.0%
6 months 6.9%
YTD 10.5%
1 year 10.5%
3 years* 5.9%

Dottie57
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Re: What are you up YTD? [Year To Date]

Post by Dottie57 » Sun Jan 01, 2017 10:31 am

At 50/50 split of stocks to bonds. I finished the year at 8.76%. I am 60.

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

Post by hmm » Sun Jan 01, 2017 10:46 am

https://www.bogleheads.org/wiki/Calculating_personal_returns

A big thank you to those who had a hand in developing that calculator and sharing that tool for others to use. I backfilled through last year (so 2 yrs contribution). Looks like my portfolio returned 11% for 2016.

Trailing investor return (money-weighted return, internal rate of return)

Investor return as of 12/31/2016
Since* 12/31/2014 4.0%
* Annual compound return

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

Portfolio return as of 12/31/2016
1 month 1.4%
3 months 3.1%
6 months 8.7%
YTD 11.0%
1 year 11.0%
3 years*
5 years*
10 years*

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

Post by Ron » Sun Jan 01, 2017 10:54 am

YTD a/o 1-1-2017: 0% :mrgreen:

- Ron

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

Post by Peter Foley » Sun Jan 01, 2017 10:59 am

Status is important in terms of this type of indicator: Retired 4.5 years, a very modest 2% withdrawal rate. IPS AA is 50/50. Started the year with an AA of 53.38 and ended the year with an AA of 52.99. Slight drop in AA due to gifting to children and donor advised fund.

Portfolio up 6.9%
Best performing was Total Stock Market and worst performing was Total International Stock Market. Bonds and TIPS surprisingly held their own over the course of the year according to data from Yahoo Finance.

retire57
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Re: What are you up YTD? [Year To Date]

Post by retire57 » Sun Jan 01, 2017 11:07 am

Portfolio up 7.4% in 2016. at 50/50 AA.
Notable that the International Bond Index outperformed our other bond holdings.
Last edited by retire57 on Sun Jan 01, 2017 11:37 am, edited 2 times in total.

Ready3Retire
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Re: What are you up YTD? [Year To Date]

Post by Ready3Retire » Sun Jan 01, 2017 11:14 am


If I include my total portfolio growth, which includes "human capital", I am up bigly -- 212%!


Wow, that is Big League! :wink:
I'm up 6.72% in my 65/35 401K, and 5.9% in 50/50 Vanguard after tax.

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

Post by peppers » Sun Jan 01, 2017 11:23 am

Cue Nisiprius' signature here.
"..the cavalry ain't comin' kid, you're on your own..."

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

Post by artthomp » Sun Jan 01, 2017 11:39 am

My wife and I are in our mid-70's and retired. We manage our portfolios separately.

I try to follow the allocation scheme used in the Vanguard Retirement Income Fund but since I withhold all of my federal and Missouri state taxes, I ended 2016 +3.0% (the Vanguard Retirement Income Fund ended 2016 +5.25%).

My wife is less concerned with capital protection and includes a bigger proportion of equities. Her portfolio ended 2016 +10.55%.
Art

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

Post by nordstreet » Sun Jan 01, 2017 11:49 am

My trading portfolio consists of USD and EUR denominated long only equity positions. The best realized return was generated by the Pernod Ricard position (16% over 97 days). I am currently holding Aegon with 34% unrealized return.

The below link contains the detailed performances of my trades.
https://nordstreet.wordpress.com/2016/12/31/backtesting-20152016/

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

Post by Leemiller » Sun Jan 01, 2017 12:15 pm

Using Beardstown we are up 30%. If next year is close to this year, we'll hit a seven figure portfolio. I have vague figures but we are invested in some funds that aren't tracked on Morningstar, like the TSP funds.

freedom66
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Re: What are you up YTD? [Year To Date]

Post by freedom66 » Sun Jan 01, 2017 12:30 pm

According to Vanguard, my 1-year return, 01/01/2016 - 12/31/2016 is 8.8%.

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

Post by LadyGeek » Sun Jan 01, 2017 12:50 pm

freedom66 wrote:According to Vanguard, my 1-year return, 01/01/2016 - 12/31/2016 is 8.8%.

Interesting, that's the same return I got. Were you matching a target retirement fund?

From the previous page:
LadyGeek wrote: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 JimmyD » Sun Jan 01, 2017 12:56 pm

My Roth IRA: 7.9%

Wife's Roth IRA: 8.3%

My 401k: 9.2%

Wife's 401k: 8.5%

We're 85/15 but gradually moving to 80/20 over the next few months.

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

Post by JWooden10 » Sun Jan 01, 2017 1:05 pm

freedom66 wrote:
According to Vanguard, my 1-year return, 01/01/2016 - 12/31/2016 is 8.8%.

Interesting, that's the same return I got. Where you matching a target retirement fund?

From the previous page:
LadyGeek wrote:
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


AA is ~ 70/30 w/ returns just over 9%. Not consciously trying to track a target retirement fund - just coincidence. :happy

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

Post by freedom66 » Sun Jan 01, 2017 1:13 pm

For me that match is a coincidence too. My portfolio is about 70% stocks (Total Stock Market Index Fund) and 30% bonds (Vanguard Intermediate Term Tax-Exempt Bond fund). I added some money during the year, but very small as compared to the size of the portfolio. I retired last year and feel comfortable with this stock/bond ratio because I have a pension, real estate and no debt.

I never hit what I consider any rebalancing band, finishing the year I was about 72% stocks/18% bonds.

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

Post by schachtw » Sun Jan 01, 2017 1:47 pm

Retired couple -
50% / 50% portfolio
Taxable accounts 90% VG equity ETFs and Funds
10% tax fee bond funds
Tax Deferred 100% Bond Funds (40% of total)

Up 7.23% for the year. Very happy with results.

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

Post by vitaflo » Sun Jan 01, 2017 1:53 pm

8.1%
75% equity (60/40 US/Int), 25% bond

Interestingly this is a year I am really seeing the power of compound interest. My return in 2010 was 14%, which was a monetary gain of $8,000. This year's gain of 8.1% is less than the 14% I made in 2010, but the monetary gain this year was $49,000. I am amazed by this. I can see more clearly now why people become more conservative as their portfolio grows.

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

Post by Sidney » Sun Jan 01, 2017 1:59 pm

40/60 portfolio - up 6.6%
I always wanted to be a procrastinator.

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

Post by paper200 » Sun Jan 01, 2017 2:01 pm

For a 48:52 portfolio, the return was 6.2% with 18% of the portfolio in Munis
Having freedom, food and roof is being 90% lucky in life and so is index investing. So, don't let the remaining 10% bother you.

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

Post by MariaT » Sun Jan 01, 2017 2:03 pm

Happy New Year to all!!

Our current plan is to retire in 3 years.
Current AA - 36/64 (IPS 35/65 slowly tapping into Rick Ferri's "center of gravity" allocation of 30/70 upon retirement).
YTD Return = 5.60%

All the best,
-Maria

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

Post by resurgemus » Sun Jan 01, 2017 2:21 pm

9.74% on a 70/30 split. There's some REIT, SCV, Small Int'l, and EM in there, as well.

Can't complain. I think the SP500 was 9.5%? Nice to beat it with less risk.
Domestic 42%, Int'l 21%, REIT 7%, Fixed 30%

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

Post by ruralavalon » Sun Jan 01, 2017 2:32 pm

This is a puzzler :? .

Age 71, retired, asset allocation is 50/50. All of our accounts and funds are at Vanguard.

Vanguard, YTD performance (investment returns/beginning balance) is 7.53%.
Vanguard, 1 year performance is 7.7%

Morningstar portfolio manager, YTD total return is 8.0%.
Morningstar portfolio manager, 12 month total return is 7.6%.

My rough total return calculation for 2016 (ending balance + withdrawals/beginning balance, - 1) is 7.53%.

This will make no difference in our strategy, asset allocation or fund selection. I just wonder why the difference between YTD and 12 month total returns, I thought at the end of the year they would be identical.
Last edited by ruralavalon on Sun Jan 01, 2017 2:38 pm, edited 1 time in total.
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Re: What are you up YTD? [Year To Date]

Post by mattshwink » Sun Jan 01, 2017 2:36 pm

Up 10.25%. AA is 94%/6% with close to 30% international.

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

Post by Uncle Pennybags » Sun Jan 01, 2017 3:32 pm

island wrote:Not all Bogleheads are the same
Really? Do we all not all index invest unsung asset allocation? I would not call the timing trolls "Bogleheads".

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

Post by Portfolio7 » Sun Jan 01, 2017 4:04 pm

Age 49, two kids about to start college, retirement fund on track, college fund lagging big time. Not a Boglehead quite, but I love this site. Below are actual returns, no contributions included.

Cash Flow: Positive this year for the first time in over a decade. We had saved for her to stay home with the kids, then DW went back to school, then business investment opportunity. It's starting to pay off now.

Investments 11.0%: I am still fine tuning my portfolio thoughts, so mix changed during the year, but this is it roughly:
10% Lg Cap Blend 10% Mid Cap Value 10% Sm Cap Value 10% REIT 12% Int Sm Cap 12% Em Mkts
30% Int Treasuries 3% Tips 3% Stable Value Fund

Net Worth 20.5%: Abnormally great year, hitting on all cylinders. Our local housing market was up almost 40% (after a decade of essentially flat-lining), and the value of our stake in a growing business increased an estimated 40% (this may continue, but all businesses have inflection points where growth gets harder, and I think ours is near to one.)
An investment in knowledge pays the best interest.

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

Post by ruralavalon » Sun Jan 01, 2017 4:24 pm

Uncle Pennybags wrote:Actually Bogleheads invest the same; the only difference is age and to a lesser extent risk tolerance.

Buy everything and match the market.

Uncle Pennybags wrote:
island wrote:Not all Bogleheads are the same
Really? Do we all not all index invest unsung asset allocation? I would not call the timing trolls "Bogleheads".

Bogleheads use different funds. Some Bogleheads are invested only in index funds, some prefer quality managed funds like Vanguard Wellington, some must make do with whatever is offered in a 401k. Bogleheads use different asset allocations. Some Bogleheads slice and dice, some tilt, some use a three-fund portfolio, some have a two fund portfolio omitting international stocks, some omit bonds entirely, and some have a one fund portfolio using a single balanced fund.

All of those differences can impact portfolio returns.
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Re: What are you up YTD? [Year To Date]

Post by Alchemist » Sun Jan 01, 2017 4:42 pm

resurgemus wrote:9.74% on a 70/30 split. There's some REIT, SCV, Small Int'l, and EM in there, as well.

Can't complain. I think the SP500 was 9.5%? Nice to beat it with less risk.


You did quite well, but not as well as the S&P 500. The 9.5% is without dividends, with dividends it was close to 12%. For example, FUSVX (Fidelity 500) and VFIAX (Vanguard's S&P 500 index fund) both returned 11.9%.

renue74
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Re: What are you up YTD? [Year To Date]

Post by renue74 » Sun Jan 01, 2017 6:29 pm

8.8% for 2016. (according to Vanguard's personal performance calculation.) 70/30 stock/bond allocation. Age 42.

Left our FA in mid 2015 and slowly been moving to indexing with the insight from this forum...a treasure trove of goodness.

Also, reduced our capital gains from close to $50K in 2015 to a whopping $1200 in 2016. :sharebeer

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

Post by boglesmind » Sun Jan 01, 2017 6:38 pm

11.73% annual return for 2016 according to Quicken, taking into account time-weighted periodic investments, re-invested dividends and capital gains, and withdrawals.

95% stocks + stock mutual funds, 5% bond funds.
Lower performance compared to VFIAX (vanguard index 500)'s 11.93%,
primarily due to the following funds, vanguard healthcare, vanguard global equity, vanguard REIT, vanguard FTSE ex-US funds, offset mostly by the higher performance of vanguard tax-managed smallcap, vanguard energy index, vanguard primecap core, and vanguard strategic equity funds.

Boglesmind

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

Post by randomizer » Sun Jan 01, 2017 6:51 pm

8.4%, according to Vanguard. Currently tracking towards 75:25 AA (started the year around 88:12) and plan to stay here a long time.

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

Post by dave2589 » Sun Jan 01, 2017 6:55 pm

15.2% 100% stocks

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

Post by oldzey » Sun Jan 01, 2017 7:22 pm

2016 PRR: 10.51%

AA: 65% total market U.S. index funds, 35% stable value funds
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Re: What are you up YTD? [Year To Date]

Post by Alchemist » Sun Jan 01, 2017 7:36 pm

A "Buffet Style" 90/10 portfolio: 12.27%

Funds for Stocks (90%): VTSAX in taxable, FUSVX in Roth IRA, and C Fund in Roth TSP

Funds for "safe assets" (10%): G Fund in Roth TSP

Got a bit lucky at the beginning of the year and lump summed a decent amount of money during the market correction in Jan/Feb of 2016.

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

Post by Pajamas » Sun Jan 01, 2017 7:45 pm

18.49% for the year with no changes in holdings for 2016.

Invested in individual stocks plus VGPMX - Vanguard Precious Metals and Mining Fund at under 6% of portfolio. Return on two largest holdings dragged down performance this year but have provided good returns over the years.

Spending was well under budget this year.

island
Posts: 1684
Joined: Tue Jul 23, 2013 1:45 pm

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

Post by island » Sun Jan 01, 2017 7:56 pm

Uncle Pennybags wrote:
island wrote:Not all Bogleheads are the same
Really? Do we all not all index invest unsung asset allocation? I would not call the timing trolls "Bogleheads".

Sure, but not all are 100% index. Some hold other investments from before discovering indexing, don't have index funds in their 401Ks, or inherited other options, and some choose variety including managed funds, individual stocks, annuities, etc. Bogleheadland is inclusive. :happy

cheesepep
Posts: 693
Joined: Wed Feb 17, 2010 10:58 pm

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

Post by cheesepep » Sun Jan 01, 2017 10:39 pm

100% DGI individual stocks with some day trading in between. One year returns from largest to smallest of my 4 portfolios ranges from 14.9-27%. Smallest portfolio only has about 4 stocks and largest has 14 stocks.

gkaplan
Posts: 6945
Joined: Sat Mar 03, 2007 8:34 pm
Location: Portland, Oregon

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

Post by gkaplan » Sun Jan 01, 2017 11:15 pm

I'm dead even for 2017.
Gordon

mmcmonster
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Joined: Sun Jan 12, 2014 1:18 pm

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

Post by mmcmonster » Mon Jan 02, 2017 8:04 am

According to Vanguard.com, on 12/31/2016 I was up 11.6% for the year. 65% Total US, 5% Total International, 30% Bonds (mostly treasury, but some in municipal bonds as well).

I'm in accumulation phase and also spent the first half of 2016 liquidating various outside brokerage accounts and transferring everything to Vanguard. So I didn't lose much in January and February and put a lot of new money into the system after the market recovered in March.

So accidental market timing helped me a bit. :beer

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Jim85
Posts: 130
Joined: Tue Dec 11, 2012 10:10 am

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

Post by Jim85 » Mon Jan 02, 2017 8:25 am

Allocation is 47/47 with 6% in cash/CDs. Up 6.26% for 2016.

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