What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
User avatar
Sheepdog
Posts: 4613
Joined: Tue Feb 27, 2007 3:05 pm
Location: Indiana, retired 1998 at age 65

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
Posts: 1363
Joined: Sat Mar 11, 2017 7:51 am

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
Posts: 449
Joined: Tue Apr 14, 2015 12:07 pm

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."

User avatar
oldzey
Posts: 614
Joined: Sun Apr 13, 2014 8:38 pm
Location: Land of Lincoln

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
"The broker said the stock was 'poised to move.' Silly me, I thought he meant up." ― Randy Thurman

User avatar
pennstater2005
Posts: 2264
Joined: Wed Apr 11, 2012 8:50 pm

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

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

7% per the monthly madsinger report.
“Life is short, Break the Rules, Forgive quickly, Kiss slowly, Love truly, Laugh uncontrollably, And never regret anything that made you smile" - Unknown

User avatar
ruralavalon
Posts: 10274
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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
Posts: 132
Joined: Tue Aug 02, 2016 3:53 am

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.

NiceUnparticularMan
Posts: 1363
Joined: Sat Mar 11, 2017 7:51 am

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.

User avatar
ruralavalon
Posts: 10274
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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
Posts: 1363
Joined: Sat Mar 11, 2017 7:51 am

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
Posts: 1343
Joined: Thu May 19, 2016 5:43 pm

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
Posts: 2902
Joined: Mon Jan 14, 2008 12:41 pm

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.

User avatar
midareff
Posts: 4639
Joined: Mon Nov 29, 2010 10:43 am
Location: Biscayne Bay, South Florida

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.

User avatar
knpstr
Posts: 1503
Joined: Thu Nov 20, 2014 8:57 pm
Location: Michigan

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
Very little is needed to make a happy life; it is all within yourself, in your way of thinking. -Marcus Aurelius

travellight
Posts: 2597
Joined: Tue Aug 12, 2008 5:52 pm
Location: San Diego

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
Posts: 1136
Joined: Thu May 08, 2014 3:36 pm

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*

Grt2bOutdoors
Posts: 16034
Joined: Thu Apr 05, 2007 8:20 pm
Location: New York

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

Cramerica
Posts: 182
Joined: Sat Oct 03, 2015 5:30 pm

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.

smitty1515
Posts: 77
Joined: Fri May 13, 2016 6:34 pm
Location: Apple Valley, MN
Contact:

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

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

6.3% So far, so good.
Be fearful when others are greedy and greedy when others are fearful. -Warren Buffett

User avatar
ruralavalon
Posts: 10274
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | | Wiki article link:Getting Started

jadedfalcons
Posts: 47
Joined: Sat Feb 04, 2017 8:55 pm

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
Posts: 46
Joined: Sun Oct 24, 2010 9:09 pm

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.

TheBogleWay
Posts: 20
Joined: Mon Dec 05, 2016 9:04 pm

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.

AlohaJoe
Posts: 1948
Joined: Mon Nov 26, 2007 2:00 pm
Location: Saigon, Vietnam

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

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

YTD 22.44%

User avatar
Uncle Pennybags
Posts: 1432
Joined: Tue Oct 28, 2014 2:05 am

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?

jadedfalcons
Posts: 47
Joined: Sat Feb 04, 2017 8:55 pm

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
Posts: 110
Joined: Sun Jan 12, 2014 1:18 pm

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
Posts: 93
Joined: Sat Jul 02, 2016 1:23 am

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
Posts: 587
Joined: Fri Feb 20, 2015 2:41 pm

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
Posts: 126
Joined: Wed Oct 21, 2015 10:41 am

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
Posts: 1343
Joined: Thu May 19, 2016 5:43 pm

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
Posts: 408
Joined: Sun Mar 10, 2013 7:50 pm

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
Posts: 29
Joined: Thu Feb 06, 2014 7:49 am

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

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

7.73% = VFIFX


Return to “Investing - Theory, News & General”

Who is online

Users browsing this forum: AndrewXnn, Blueskies123, Briscoe, garlandwhizzer, Google Feedfetcher, InKirkWeTrust, jwm, mspivey11, oldcomputerguy, prudent, slyboots, triceratop, UpAllNight and 66 guests