What are you up YTD? [Year To Date]

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

Postby Sheepdog » Wed May 10, 2017 2:42 pm

5/9/2017 YTD, 22% stock, 2.43%. That's fine with me.
However good or bad a situation is, it will change

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

Postby NiceUnparticularMan » Wed May 10, 2017 3:07 pm

ruralavalon wrote:You can do it yourself knowing only your portfolio balance on January 1, current balance and contributions this year.


Don't I have to know when I made those contributions? And we've got contributions going in regularly from paychecks, plus some other lump sums. I've already lost interest.

Then I don't even know what I am supposed to be including. 529s? Long-term debts? Home equity? Collectibles and art work?

No thanks.

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

Postby Texanbybirth » Wed May 10, 2017 3:16 pm

According to my 401k admin, thru 03/31/17 we're up 6.08%. Only investment is Vanguard TDF2050, with regular paycheck contributions - the website shows VFIFX is up 6.19% YTD. My personal return sounds reasonable.

Also, this note appears on my performance page: "Performance data is an approximation of the overall performance of your account. Calculations are time-weighted performance percentages based on your portfolio activity."

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

Postby oldzey » Wed May 10, 2017 3:23 pm

60% equities / 40% fixed income.

+5.61% return YTD
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pennstater2005
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Re: What are you up YTD? [Year To Date]

Postby pennstater2005 » Wed May 10, 2017 3:24 pm

7% per the monthly madsinger report.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Postby ruralavalon » Wed May 10, 2017 3:25 pm

If you are just not interested, that's fine. Then don't bother to try to calculate returns year to date.

I just said that it is easy.

NiceUnparticularMan wrote:
ruralavalon wrote:You can do it yourself knowing only your portfolio balance on January 1, current balance and contributions this year.


Don't I have to know when I made those contributions? And we've got contributions going in regularly from paychecks, plus some other lump sums. I've already lost interest.

If you contribute the same amount each month, the you don't need to know when each is made.

Same for other lump sums if you don't want a precise answer to two decimals.


NiceUnparticlarMan wrote:Then I don't even know what I am supposed to be including. 529s? Long-term debts? Home equity? Collectibles and art work?

No thanks.

Of course this is total return of your investment portfolio, not everything you own owe.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

Portfolio7
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Re: What are you up YTD? [Year To Date]

Postby Portfolio7 » Wed May 10, 2017 4:04 pm

livesoft wrote:I like to compare my portfolio to benchmarks in order to see that I am not hurting myself with behavioral finance errors.

I like to read this thread because it shows that people often don't have a legitimate calculation for YTD of their portfolio. Often they report for a single account such as a Roth or a 401(k) instead of for the entire portfolio including the 2 to 10 years of cash cushion they have.

I think my worst YTD performance is the TIAA Real Estate Account, but the entire portfolio is chugging along just fine.


Here you also get into the question of what is a portfolio? I gave figures for 401K accounts that comprise 60% of our NW. We also have real estate, a small business, a small 401K, a little cash, some small IRAs & a small pension, and there are even promises of SS income when we retire. I calc all those results (except the SS) at the end of the year only (I track NW growth on an annual basis.) So, when somebody asks about 'YTD portfolio results', well, what is a house worth? A business? I therefore tend to interpret the topic as the bulk of one's investment portfolio - that would seem to me to be the most accessible metric, and also the most consistent across people who may read the post. If someone wanted a view of true NW i expect they'd expand the description in their initial post to specify the ground rules.

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

Postby NiceUnparticularMan » Wed May 10, 2017 4:54 pm

ruralavalon wrote:If you contribute the same amount each month, the you don't need to know when each is made.


We don't. It varies based on bonuses, when we hit the contribution limits, I think there is some oddness with the 401K matching rules involving a catchup provision . . . it isn't the same amount each month.

Same for other lump sums if you don't want a precise answer to two decimals.


Well, we do things like sell restricted stock and exercise options, and then invest that, and that can be big enough to matter, I would think (of course I don't KNOW, because I am not going to bother to check).

Of course this is total return of your investment portfolio, not everything you own owe.


Why? For example, our home is a major cash flow nexus for us, we've got a significant amount of capital invested in it, it appreciates subject to maintenance and upgrades (I think--I don't check that regularly either), the debt decreases (pretty sure about that), and the resulting equity is potentially usable for us. Seems like a rather important thing to ignore.

Same deal with the 529s--that's a non-trivial amount of money and it is going to play a significant role in our future finances.

I get if you are playing some game where the rules are you are only tracking some portion of your important assets, then the rules of the game are the rules of the game. But if you were serious about tracking what sort of return the money you were investing was generating, I don't think you would want to ignore things like your home equity, mortgage, or 529s.

Anyway, you say this is easy, but just thinking about trying to track all this gives me a headache. If that is your thing, power on, but since I see no practical purpose to it, I'm definitely not going to start.

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

Postby ruralavalon » Wed May 10, 2017 5:11 pm

If you don't want to calculate the total return of your investing portfolio, then don't.

NiceUnparticularMan wrote:
Of course this is total return of your investment portfolio, not everything you own owe.


Why? For example, our home is a major cash flow nexus for us, we've got a significant amount of capital invested in it, it appreciates subject to maintenance and upgrades (I think--I don't check that regularly either), the debt decreases (pretty sure about that), and the resulting equity is potentially usable for us. Seems like a rather important thing to ignore.

Same deal with the 529s--that's a non-trivial amount of money and it is going to play a significant role in our future finances.

I get if you are playing some game where the rules are you are only tracking some portion of your important assets, then the rules of the game are the rules of the game. But if you were serious about tracking what sort of return the money you were investing was generating, I don't think you would want to ignore things like your home equity, mortgage, or 529s.

Total return on an investment portfolio, cash flow (income vs expense), and net worth (assets minus liabilities) are different things, important for different reasons.

Knowing the return on an investment portfolio doesn't mean ignoring anything else. Our cash flow is well under control. I know our net worth, but knowing that has no practical effect on our lives.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | | Wiki article link:Getting Started

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

Postby NiceUnparticularMan » Wed May 10, 2017 7:11 pm

ruralavalon wrote:If you don't want to calculate the total return of your investing portfolio, then don't.


Of course!

But earlier I confessed one of the reasons I don't do it is that I thought it wouldn't be easy to do it properly, and I was too lazy to bother.

You took issue with this statement, and proposed a method you thought would be easy. I've pointed out your method would not in fact be easy for me because I lack the necessary information, and I have also questioned whether it is really proper in that your method would be excluding important assets and investments. So, I think my explanation remains pretty well-grounded.

Total return on an investment portfolio, cash flow (income vs expense), and net worth (assets minus liabilities) are different things, important for different reasons.


Maybe, but in this case, I am talking about investments. You can calculate a return on just a subset of my investments, but if that is just a matter of convenience, I don't think that rebuts my point that doing it properly wouldn't be so easy,

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

Postby Dottie57 » Wed May 10, 2017 7:22 pm

Up 4.75% 50% stock, 50% fixed income/bonds. Not bad for a little over 4 months.

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

Postby MnD » Fri May 12, 2017 8:17 am

7.83% across 8 accounts and 18 positions.
70/30 equity/fixed income, global market cap weighting on US/ex-US.
Nice to see international doing most of the heavy lifting for a change. :beer
2-fund portfolio of 70% Total World Stock and 30% Total Bond Market is 7.23%, so a little slice and dice bonus as well.

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

Postby midareff » Fri May 12, 2017 1:11 pm

Up 5.7% with 44% equities, 51.7% bonds and 4.3% bank cash.

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

Postby knpstr » Fri May 12, 2017 7:10 pm

up 6.93% ytd hand calculating monthly returns
up 18.6% ttm according to vanguard graph they generate for you
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Re: What are you up YTD? [Year To Date]

Postby travellight » Sat May 13, 2017 10:16 am

up 8.18% ytd.
16.79% in past 12 months.
10.27% since 12/31/08.

10% bonds, 34% balanced, 19% international, 36% large cap, 0.5% small cap.

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

Postby Doom&Gloom » Sat May 13, 2017 1:42 pm

5.0% ytd

50/40/10
stock/bond/reit

ups and downs -- *yawn*

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

Postby Grt2bOutdoors » Sat May 13, 2017 1:45 pm

~7% give or take daily fluctuations. Nice to see international has perked up a bit.
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Re: What are you up YTD? [Year To Date]

Postby Cramerica » Sun May 14, 2017 9:27 am

Nice that international has gone up but volatility aside, it's been basically flat for the last 10 years. It's at basically the same level as September 2007.

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

Postby smitty1515 » Sun May 14, 2017 4:28 pm

6.3% So far, so good.
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Re: What are you up YTD? [Year To Date]

Postby ruralavalon » Tue May 16, 2017 6:17 pm

Retired, age 71, asset allocation is 50/50.

Total return of portfolio is up 5.01% year to date.

Best fund so far is Vanguard Total International Stock Index Fund, total return is up 14.25% year to date.
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jadedfalcons
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Re: What are you up YTD? [Year To Date]

Postby jadedfalcons » Tue May 16, 2017 9:59 pm

98.7% equity, 1.3% bond, 13.7%. :moneybag

T. Rowe Price investments leading the pack with a 17.7% increase, American Funds & Janus neck & neck behind that at about 15%, then Vanguard a distant fourth place finish.

For now.

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

Postby The Casualty » Tue May 16, 2017 10:39 pm

YTD 5.13%

57.5 Stock / 42.5 Bonds

61 y/o retired.

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

Postby TheBogleWay » Wed May 17, 2017 2:25 am

11.1% in my primary account, which is probably 75% total US stock market, 20% total international, and 5% BND.

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

Postby AlohaJoe » Wed May 17, 2017 2:34 am

YTD 22.44%

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

Postby Uncle Pennybags » Wed May 17, 2017 8:38 am

jadedfalcons wrote:98.7% equity, 1.3% bond, 13.7%. :moneybag
Beardstown accounting principals?

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

Postby jadedfalcons » Wed May 17, 2017 11:18 am

Uncle Pennybags wrote:
jadedfalcons wrote:98.7% equity, 1.3% bond, 13.7%. :moneybag
Beardstown accounting principals?


Had to look that up, didn't know what you were talking about until I read the last page. If I'm allowed to do that, then I could claim about a 21% increase YTD :D

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

Postby mmcmonster » Wed May 17, 2017 4:06 pm

Uncle Pennybags wrote:
jadedfalcons wrote:98.7% equity, 1.3% bond, 13.7%. :moneybag
Beardstown accounting principals?


Here are my goal asset ratios:
60% Total Stock Market
5% International
36% Bonds

I have my goal asset ratios add up to 101%. That way I'm always behind in something and know where to put new money in. :D

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

Postby pasadena » Wed May 17, 2017 5:28 pm

Brokerage + Roth IRA YTD = 3.71% as of today's close, which was a bad day to make that calculation :wink: .

AA is 59/41 VTSAX / VBTLX, and was 50/50 in January. Been DCA'ing into VTSAX until mid-April.

My 401(k) is up 7.41% as of yesterday's close, so probably less today. It's 50/25/20/5 US Stocks / Int Stocks / Bonds / Direct Real Estate.

I don't calculate for the whole portfolio, because they're different buckets. Brokerage and Roth IRA are not part of my retirement plan.
Last edited by pasadena on Wed May 17, 2017 5:35 pm, edited 1 time in total.

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

Postby sharpjm » Wed May 17, 2017 5:32 pm

Uncle Pennybags wrote:
jadedfalcons wrote:98.7% equity, 1.3% bond, 13.7%. :moneybag
Beardstown accounting principals?

Probably lucky stock picks or heavy tilt towards international. Emerging markets killing it YTD.

Up 7.2% YTD at the beginning of the day here. Gonna guess that dropped to ~6% after today.

chuckb84
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Re: What are you up YTD? [Year To Date]

Postby chuckb84 » Wed May 17, 2017 5:50 pm

YTD 4.6%

In almost all TSP funds 40 C, 10 I, 50 G. 62 and retired.

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

Postby Dottie57 » Wed May 17, 2017 6:18 pm

EOD. On 5/16/2017 5.12%. 50/50 split.

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

Postby Bracket » Wed May 17, 2017 7:08 pm

XIRR 8% YTD
80/20 stocks/bonds
Small cap value and REIT tilted
30% int'l
Does not include today's drop.

Sales6280
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Re: What are you up YTD? [Year To Date]

Postby Sales6280 » Fri May 19, 2017 2:22 pm

7.73% = VFIFX

sanfran2015
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Re: What are you up YTD? [Year To Date]

Postby sanfran2015 » Sun May 28, 2017 11:44 pm

+5% YTD

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

Postby ruralavalon » Mon May 29, 2017 8:50 am

Retired, age 71, asset allocation is 50/50.

Total return of portfolio is up 5.36% year to date.

Best fund so far is Vanguard Total International Stock Index Fund, total return is up 14.34% year to date.
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herpfinance
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Re: What are you up YTD? [Year To Date]

Postby herpfinance » Mon May 29, 2017 9:02 am

I'm in the same boat as NiceUnparticularMan. I have investments at a handful of banks/brokers and with varying contributions, it would be a real headache to figure out the return.

That said, as just about all of the asset classes that I invest in have had positive returns this year and my AA is rather moderate, I'd expect it to be somewhere in the single digits.
"The intelligent investor is a realist who sells to optimists and buys from pessimists" - Benjamin Graham

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

Postby dwickenh » Mon May 29, 2017 9:02 am

62 and retired, 50/50 with YTD of 5.92.

Best are 2 Vanguard foreign funds and vanguard healthcare in my roth
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selftalk
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Re: What are you up YTD? [Year To Date]

Postby selftalk » Mon May 29, 2017 12:12 pm

I have no idea as I`m trying hard to do what J. Bogle advocated and that was "NO PEEKING." It does wonders for your emotions. I`m just trying to protect my future purchasing power of my finances by owning and dollar cost averaging VTI.

freyj6
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Re: What are you up YTD? [Year To Date]

Postby freyj6 » Mon May 29, 2017 1:05 pm

About 9.5% and I'm down to 65/35 right now.

Pretty happy with how things are going so far :)

jay22
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Re: What are you up YTD? [Year To Date]

Postby jay22 » Wed May 31, 2017 9:35 pm

6.65% YTD with a 90/10 portfolio with 75/25 US/Intl split.

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

Postby QuietProsperity » Thu Jun 01, 2017 12:37 am

12.39% 83S/17B

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

Postby SGM » Thu Jun 01, 2017 4:42 pm

Roth is up over 6%. Taxable accounts are up a little less.

The Roth is accurate. Taxable account includes withdrawals and additions.

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

Postby GoldenFinch » Thu Jun 01, 2017 4:57 pm

A lot. The number keeps going up. Writing this makes me remember when the number kept going down. I'm going to try to not pay attention.

Portfolio7
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Re: What are you up YTD? [Year To Date]

Postby Portfolio7 » Thu Jun 01, 2017 5:35 pm

This thread keeps attracting new posts. I would be interested in knowing more about the non-standard returns above. I was thinking it would be helpful to adopt a standardized approach, to help folks identify questionable funds they hold, or explain aspects of performance they hadn't considered before. That makes this thread a bit more "actionable", perhaps?
Equity/Bond split, US/Int'l return, date and explanation, as well as rough portfolio outline.

For example, the S&P is up over 7% this year as of the end of May, so a 75/25 portfolio might be expected to have returned 5-6% depending on your fixed income allocation. If you are up 12% for the year, you must be in other areas of the market, so it would help to understand your approach a little. From what I have below you can see that I'm tilting to small and value factors, but suffering from the recent returns on US Value. However, diversification to EM and Int'l is helping significantly, and the net return is close to the S&P 500, which is a bad benchmark but is a very common reference point.

70/30 split, 48/52 US/Int'l 7.5% Return YTD May 27th; slice and dice portfolio.
Key drivers of performance are 4 funds in the EM and Int'l space, with returns of 12-16%, along with the Global Min Volatility at over 9%. The MCV and SCV funds are lagging a bit in the mid single digits, while the REIT accounts are meandering in the very low single digits. Stable Value is my fixed income, and should hit 3% for the full year.

20% Global Min Volatility (Vanguard)
12% EM
12% Int'l Small
8% US Midcap Value
8% US Smallcap Value
5% Global REIT
5% US REIT
30% Stable Value

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mattyfu1
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Re: What are you up YTD? [Year To Date]

Postby mattyfu1 » Thu Jun 01, 2017 5:48 pm

2.6%

BND - VXUS - VYM
VTI VXUS BND VYM

inbox788
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Re: What are you up YTD? [Year To Date]

Postby inbox788 » Thu Jun 01, 2017 6:18 pm

mattyfu1 wrote:2.6%

BND - VXUS - VYM

Only? Is that only the growth or are you including dividends? VXUS is up double digits, and you should see 2-3% dividends for the year, so about half that so far.

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

Postby ruralavalon » Thu Jun 01, 2017 7:45 pm

mattyfu1 wrote:2.6%

BND - VXUS - VYM

What is your total return year to date?
"Everything should be as simple as it is, but not simpler." - Albert Einstein | | Wiki article link:Getting Started

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

Postby livesoft » Thu Jun 01, 2017 7:47 pm

inbox788 wrote:Only? Is that only the growth or are you including dividends? VXUS is up double digits, and you should see 2-3% dividends for the year, so about half that so far.

You are jumping the gun on the dividends. Only the 1st quarter dividend has been paid, so one should see about a quarter of the 2-3% dividends expected for the entire year. The 2nd quarter dividend is paid in late June.

Through 5/31/2017, some 60/40 funds are up between 5.5% and 7%.
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BackInTheBlack
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Re: What are you up YTD? [Year To Date]

Postby BackInTheBlack » Thu Jun 01, 2017 8:24 pm

I need to figure out Alpha, Treynor, and Sortino ratios for my portfolio. To be honest, my all-stock portion (I have a portfolio of about 30 individual stocks) has performed extremely well in absolute terms since '09, but in risk-adjusted terms, I'm not so sure. Overall, though, YTD my equity portfolio has gained 20.91%, dividends included (actually, since the market bottom on 03/06/2009, I've managed a CAGR of 21.58% annually). I'm guessing it is largely, if not entirely factor-driven. I'd love to think I'm just a whiz at picking stocks, but in all honestly, I'm sure I'm getting commensurate return to the risk I'm taking on. Which makes sense, because the volatility I've experienced has certainly not been for the faint of heart! Interestingly, though, the portfolio is almost entirely large cap, and has a larger average market cap than the S&P 500. Anyway, I'd probably get the same kind of return with similarly-factored passive investments, but investing in stocks is kind of a hobby, so I get a return on investment in that regard, so to speak. With tax-loss harvesting, and holding onto the biggest winners for the long-haul, the taxes have been very minimal, which is important since it's a taxable account.

So, I suppose I shared way more than the OP asked for, but I've been thinking about this for quite some time, and I just haven't had the opportunity to figure it all out yet, but this thread has given me some more motivation in that direction. For what it's worth, the portfolio in question is my "explore" portion of my "core and explore" portfolio, the "core" of which is invested in passive index funds through Vanguard (about 70% of the overall total). I only shared the active equity sleeve of my portfolio because it was much easier to figure out since it's staring me right in the face at the moment. I should compare my active vs. passive investments since the start of the recent bull market. That would make for an interesting study, I'm sure.
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Re: What are you up YTD? [Year To Date]

Postby smitty1515 » Thu Jun 01, 2017 9:01 pm

8%

Been interesting to watch
Be fearful when others are greedy and greedy when others are fearful. -Warren Buffett


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