What are you up YTD? [Year To Date]

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Buddtholomew
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Re: What are you up YTD?

Post by Buddtholomew » Sun Nov 02, 2014 11:08 am

I am up 480% on GILD call options and down 15% on GDX YTD. What can anyone hope to glean from these posts other than to direct contributions to the bottom of the pile investments?

YTD returns depend on the percentage allocated to each of the below asset classes.

Top of the heap:

S&P500
REIT
Long-term Treasuries
IT-Term Bonds

Bottom of the Pile:

EAFE
Emerging Markets
Small-Cap
Small-Cap Value
Commodities
Cash
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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Sun Nov 02, 2014 2:40 pm

Year to date is important because taxes go by calendar year. Some can make moves before the end of the year that can save a big percent on taxes.

Do you think Mitt Romney is in the 15% bracket by accident?

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Sun Nov 02, 2014 3:33 pm

YTD is interesting if only to to see if portfolio growth is higher than our withdrawal rate, it is :D
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cfs
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Re: What are you up YTD?

Post by cfs » Sun Nov 02, 2014 3:48 pm

ruralavalon wrote:YTD is interesting if only to to see if portfolio growth is higher than our withdrawal rate, it is :D

It gets better if our current withdrawal rate is zero.
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Bacchus01
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Re: What are you up YTD?

Post by Bacchus01 » Sun Nov 02, 2014 5:27 pm

Nearly 11%

Why check? Because I check rebalancing monthly.

madbrain
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Re: What are you up YTD?

Post by madbrain » Sun Nov 02, 2014 6:59 pm

cfs wrote:Based on what I see on this page, Bogleheads are doing fine YTD--but the year is not over--here are some of the numbers.

Equity/Bond/YTD
21/79 = 05.73%
45/55 = 06.80%
48/52 = 05.95%
50/50 = 07.21%
50/50 = 07.67%
60/40 = 06.90%
60/40 = 07.26%
75/25 = 07.79%
80/20 = 06.88%
80/20 = 09.00%
80/20 = 18.00%
85/15 = 10.20%


Which stocks and which bonds are you assuming ?
There are a lot to choose from.

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Aptenodytes
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Re: What are you up YTD?

Post by Aptenodytes » Sun Nov 02, 2014 7:33 pm

madbrain wrote:
cfs wrote:Based on what I see on this page, Bogleheads are doing fine YTD--but the year is not over--here are some of the numbers.

Equity/Bond/YTD
21/79 = 05.73%
45/55 = 06.80%
48/52 = 05.95%
50/50 = 07.21%
50/50 = 07.67%
60/40 = 06.90%
60/40 = 07.26%
75/25 = 07.79%
80/20 = 06.88%
80/20 = 09.00%
80/20 = 18.00%
85/15 = 10.20%


Which stocks and which bonds are you assuming ?
There are a lot to choose from.

These are observations, not assumptions. They come from the responses to the OP.

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Re: What are you up YTD?

Post by madbrain » Sun Nov 02, 2014 8:01 pm

Aptenodytes wrote:These are observations, not assumptions. They come from the responses to the OP.


Oh OK. In this case he missed a bunch of others.

I'm 30/30/32/8 in domestic equity, international equity, investment grade bonds, and junk bonds, and now up 4.46% YTD.

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cfs
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Re: What are you up YTD?

Post by cfs » Sun Nov 02, 2014 8:07 pm

madbrain wrote:
Aptenodytes wrote:These are observations, not assumptions. They come from the responses to the OP.


Oh OK. In this case he missed a bunch of others.

I'm 30/30/32/8 in domestic equity, international equity, investment grade bonds, and junk bonds, and now up 4.46% YTD.

Correct, those were the inputs from just page 4 (those giving the equity/bond/other plus the YTD) with the exception of those posted by htdrag11 [60-20-20 (equity-fixed-cash) but up 9%.] It was only for a quicklook, I am not tracking returns (on my side what I track is the actual portfolio "growth" from year to year as of 31 December).
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placeholder
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Re: What are you up YTD?

Post by placeholder » Sun Nov 02, 2014 8:23 pm

Bacchus01 wrote:Nearly 11%

Why check? Because I check rebalancing monthly.

YTD performance doesn't require that you just need to know how much of your money is divided among the asset classes.

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Thu Nov 06, 2014 2:55 pm

If I take my liquid net worth I'm up 58.6% YTD. A few years ago I climbed out of a 15 year black hole of debt caused by divorce. Debt now is an asset, bonds, instead of a liability. Investment wise up about 2%. 1.78% of that in the last six weeks.

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Thu Nov 06, 2014 4:25 pm

Uncle Pennybags wrote:If I take my liquid net worth I'm up 58.6% YTD. A few years ago I climbed out of a 15 year black hole of debt caused by divorce. Debt now is an asset, bonds, instead of a liability. Investment wise up about 2%. 1.78% of that in the last six weeks.

Congratulations on your climb out of the black hole of debt :) .
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nukewerker
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Re: What are you up YTD?

Post by nukewerker » Thu Nov 06, 2014 4:34 pm

Looks like 12.8% stripping out returns on new contributions for the year. A mix of 60/30/10. 60 S&P 500, 30 Picked and 10 BD

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Tue Nov 11, 2014 7:13 pm

50/50 asset allocation, retired, age 69.

Up 8.00% YTD per Morningstar portfolio manager.

Much more than double our portfolio withdrawal rate :) .
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daave
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Re: What are you up YTD?

Post by daave » Fri Dec 26, 2014 1:57 am

livesoft (Oct 31) wrote:^ "annualized" means much less YTD.

ddb (Oct 31) wrote:(Edit: Sorry, I'm dumb, I conveniently ignored the word "annualized" in daave's post, as pointed out to me below by livesoft. Please accept my apologies!)

No, my apologies. Using annualized figures when everyone else is using YTD figures is sure to create confusion.
You've inspired me to add a 'YTD Returns' box to my portfolio spreadsheet. Perhaps somebody knows a simpler way, but given my annualized return this year (as produced by XIRR) is in cell B4, I am using:

Code: Select all

=(1+B4)^((TODAY()-DATE(YEAR(TODAY()),1,1))/(365+IF(DAY(DATE(YEAR(TODAY()),2,29))=29,1,0))) - 1

which is spreadsheetspeak for:

Code: Select all

=(1+annualized_return)^(day_of_year/days_in_year) - 1


This is now showing me a YTD return of 8.32%, with an annualized return of 8.47%.

Of course.. now that it's late December the discrepancy is much less interesting. The 7.79% annualized return I reported on Oct 31 was equivalent to a YTD return of 6.43% at the time.

davidsorensen32
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Re: What are you up YTD?

Post by davidsorensen32 » Fri Dec 26, 2014 12:53 pm

8.33% YTD

65/35 Equity/Bonds

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Fri Dec 26, 2014 7:06 pm

50/50 asset allocation, retired, age 69.

Up 8.92% YTD per Morningstar portfolio manager.

Much more than double our portfolio withdrawal rate :)
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

john94549
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Re: What are you up YTD?

Post by john94549 » Fri Dec 26, 2014 9:17 pm

Wife is happy. Her garden-variety 401K 60/40 (SWPPX/VBTLX) is up over 11%. By contrast, my VG IRA (95/5, with a modest 20% international) lags hers by 100 basis points. International and emerging, truly dead money this year. And the S+P 500 beat TSM, so there you have it. Tortoise beat the hare. As I told her tonight, wait 'till next year.

So: Her: 11%+; me 10%+. Can't complain.

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Re: What are you up YTD?

Post by cmr86 » Sat Dec 27, 2014 1:59 am

6.47% since I started in April.

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Re: What are you up YTD?

Post by thefireguy » Sat Dec 27, 2014 2:31 am

I'm in my mid 20's and have 90/10 asset allocation. YTD performance is about 8.3%, which I feel is a little low. My investment elections are broken down below, any thoughts/suggestions are invited and would be greatly appreciated:

Fidelity Low-Priced Stock Fund (FLPKX) - 30%
Fidelity Contrafund (FCNKX) - 30%
Fidelity Diversified International Fund (FDIKX) - 30%
PIMCO Total Return Fund Institutional Class (PTTRX) - 10%

As everyone else already knows, the international fund has been dead money this year. My 401K has very limited choices, basically the only other choices are a Vanguard Index Fund (Vanguard Institutional Index Fund Institutional Plus Shares) and Vanguard Target Funds. Company puts any match in company stock and then I re-allocate to funds each year, as I don't want "too much" company stock sitting out there.

Thoughts on re-balancing or re-shuffling things around? I am thinking the Index Fund makes sense here, but not sure exactly how to approach. Thanks for your input and thoughts.

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Re: What are you up YTD?

Post by madbrain » Sat Dec 27, 2014 5:56 am

The Vanguard web site really makes it pretty damn hard to know what I am "up" YTD.
When I go to my accounts/personal performance and select the "YTD" view, there is no total return % computed.
By comparison, the Fidelity web site can do this on my 401k - and I have verified that their formula makes sense.

The Vanguard total return percentage is only shown for 1 year, 3 year and "since inception" periods. But for "YTD", it is a mystery - the percentage is just not shown.
If I try "custom" between 2 months in 2014, no percentage is shown either.

So I guess it's a surprise, and I will know in 2015 .

"Up" might not be the operative word, though, since my taxable account is mostly invested in international, which has a negative total return for the year.
I can already see the balance for the taxable account went down about $5000 compared to the beginning of the year, but I was not reinvesting dividends. And "market gain/loss is -$338". On second thought, maybe I don't really want to know the total return percentage and Vanguard is doing me a favor.

Looking at another data point, Quicken, I can see that the ROI on the main asset in my Vanguard taxable account, which is Total stock international admiral, has a total return YTD of -2.95.%. This conflicts with Yahoo finance which states -0.53% for VTIAX YTD. Perhaps the difference between these 2 figures is the non-reinvestment of dividends as I didn't buy any shares of the fund this year. But it's a little hard to believe that not reinvesting those dividends changed the return that much. It seems that Quicken might not be accounting for the dividends properly when they are not reinvested, ie. somehow it's counting them as a net reduction of return, which it shouldn't.

Edit: no, Quicken is doing it right. It really is doing 2.95% . Sigh. Yahoo finance has the wrong figure.

If I trust Quicken, which I'm inclined to do, my total return for the year is 4.22% on my entire portfolio, which is about 30% international stock, and in the bond section is heavily invested in Stable value yielding only 1.3%. Not a great year for me. But I will stick with international and am adding to it actually.
For the bonds I have to do better than Stable value, though.

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Re: What are you up YTD?

Post by daave » Sat Dec 27, 2014 6:32 am

777bandman wrote:I'm in my mid 20's and have 90/10 asset allocation. YTD performance is about 8.3%, which I feel is a little low. My investment elections are broken down below, any thoughts/suggestions are invited and would be greatly appreciated:

Fidelity Low-Priced Stock Fund (FLPKX) - 30%
Fidelity Contrafund (FCNKX) - 30%
Fidelity Diversified International Fund (FDIKX) - 30%
PIMCO Total Return Fund Institutional Class (PTTRX) - 10%

As everyone else already knows, the international fund has been dead money this year. My 401K has very limited choices, basically the only other choices are a Vanguard Index Fund (Vanguard Institutional Index Fund Institutional Plus Shares) and Vanguard Target Funds. Company puts any match in company stock and then I re-allocate to funds each year, as I don't want "too much" company stock sitting out there.

Thoughts on re-balancing or re-shuffling things around? I am thinking the Index Fund makes sense here, but not sure exactly how to approach. Thanks for your input and thoughts.


777bandman, the Vanguard Institutional Index fund is a great fund, but whether and to what extent you should use it depends on your goals, and desired asset allocation. If there were no restrictions on choices of funds in your 401(k), what would you be invested in?

I suggest you create a new thread in the Asking Portfolio Questions style, with all the pertinent information, and people here will be happy to help you come up with a customized plan that suits your needs given the choices you have available.

livesoft
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Re: What are you up YTD?

Post by livesoft » Sat Dec 27, 2014 6:54 am

Folks with Vanguard ETFs will not be able to calculate a valid YTD return until they include the dividends that are payable this season. This is because year-end dividends can be significant (e.g. VBR paid out 1.8%) and ETF share prices were adjusted downwards for the dividend last Monday (went ex-dividend).

Although the dividends are marked as payable this coming Monday by the Vanguard web site, last night's computer runs at WellsFargo, Fidelity, and TDAmeritrade show the payments already for non-reinvested dividends (see how brokers treat ETF dividends: http://www.bogleheads.org/forum/viewtop ... =1&t=87742 ).

And YTD, my portfolio is like madbrain's under 5% return, but more than one of my benchmarks.
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Re: What are you up YTD?

Post by TheTimeLord » Sat Dec 27, 2014 7:07 am

My AA is what it is, and returned what it returned. What I can tell you is the change in value of my investment portfolio but that includes contributions.
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achen9291
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Re: What are you up YTD?

Post by achen9291 » Sat Dec 27, 2014 8:58 am

AA is 90/10... just started this year.. roughly in July for 401k and October for IRA.. not sure how to actually calculate YTD but personal capital says 9.17%..

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Re: What are you up YTD?

Post by longinvest » Sun Dec 28, 2014 8:52 am

achen9291 wrote:AA is 90/10... just started this year.. roughly in July for 401k and October for IRA.. not sure how to actually calculate YTD but personal capital says 9.17%..

You could use the following spreadsheet (in our wiki): Calculating personal returns.
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Re: What are you up YTD?

Post by hulburt1 » Mon Dec 29, 2014 8:55 am

I'm 61 I know everyone will say I'm taking a chance. I'm 95 stock 5 cash. Made $600000 in the last 2 years but live on $40,000 a year. up 18% this year last year 51%

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cfs
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Re: What are you up YTD?

Post by cfs » Mon Dec 29, 2014 9:04 am

hulburt1 wrote:I'm 61 I know everyone will say I'm taking a chance. I'm 95 stock 5 cash. Made $600000 in the last 2 years but live on $40,000 a year. up 18% this year last year 51%

Well, shipmate Hurburt, if I had this type of turbo-charged portfolio I would take some money off the table today or on January 2nd depending on taxes. Good luck in 2015.
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my2014
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Re: What are you up YTD?

Post by my2014 » Mon Dec 29, 2014 10:02 am

Roughly 7% across all accounts

core4portfolio
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Re: What are you up YTD?

Post by core4portfolio » Mon Dec 29, 2014 10:22 am

hulburt1 wrote:I'm 61 I know everyone will say I'm taking a chance. I'm 95 stock 5 cash. Made $600000 in the last 2 years but live on $40,000 a year. up 18% this year last year 51%


I wonder whats your allocation and their funds name ..........
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just frank
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Re: What are you up YTD?

Post by just frank » Mon Dec 29, 2014 10:31 am

hulburt1 wrote:I'm 61 I know everyone will say I'm taking a chance. I'm 95 stock 5 cash. Made $600000 in the last 2 years but live on $40,000 a year. up 18% this year last year 51%


While corrections (and rebounds) can occur anytime bear markets are associated with recessions, and leading indicators are not indicating a recession signal, but rather a 'mid cycle' signal.

Congrats on some last minute boost to your retirement portfolio.... :sharebeer

Here's hoping black swans are rare. :shock:
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crg11
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Re: What are you up YTD?

Post by crg11 » Mon Dec 29, 2014 11:50 am

AA 80/20

INVESTOR RETURN (money-weighted return, internal rate of return)
from 12/31/2013 to 11/30/2014
Investor Return 8.86%

PORTFOLIO RETURN (time-weighted returns, comparable returns)
Portfolio return
As of 11/30/2014
YTD 8.07%

* Since I only went the Boglehead way starting in March, I'm really excited to see what 2015 brings.

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Re: What are you up YTD?

Post by TradingPlaces » Mon Dec 29, 2014 10:45 pm

inbox788 wrote:
InvestorNewb wrote:Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%


Are you meeting or beating your risk adjusted return?

For reference YTD S&P500, Dow, Nasdaq and bonds/midcap/smallcap are up:

ARCX:SPY:+15.51|+8.40%
ARCX:DIA:+5.15|+3.11%
XNAS:QQQ:+11.44|+13.01%
ARCX:BND:+2.25|+2.81%
ARCX:VO:+10.44|+9.49%
ARCX:VB:+6.15|+5.59%

http://quotes.morningstar.com/chart/etf ... ctcode=COM

I'm most surprised by the almost 3% YTD in bonds, but that's because I probably track it the least.


I would not use VO as a mid-cap benchmark. I would use MDY. VO is more loaded on the growth factor than all of mid-caps.

Also, if one is a passive investor, how can one beat or lag their benchmark??

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Re: What are you up YTD?

Post by livesoft » Mon Dec 29, 2014 10:49 pm

TradingPlaces wrote:Also, if one is a passive investor, how can one beat or lag their benchmark??

By passively rebalancing at the most opportune times.
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Re: What are you up YTD?

Post by Leeraar » Tue Dec 30, 2014 12:02 am

Are you meeting or beating your risk adjusted return?

How on earth do you quantify that?

Please explain your measure or metric of "risk adjusted return".

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Re: What are you up YTD?

Post by itstoomuch » Tue Dec 30, 2014 12:48 am

I segregate the index bucket from the other buckets.
I don't watch the index bucket until the EOY.
2014 was a good year for the other buckets and was fairly easy to beat the index bucket.
2013, was a challenging year for my non indexed buckets.
I am cautiously optimistic for 2015, and thinking about ETF Index for the buckets that I have direct control.
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Re: What are you up YTD?

Post by Garco » Tue Dec 30, 2014 12:49 am

With two more trading days, my total return is 7.07% in 2014 in my main retirement account (this compares to 13.9% TR in 2013). A couple of dvd's yet to be accounted for. A bad (negative return) year in my non-US holdings (which comprise 23% of my equities). My basic AA is not out of line (~48% equities) so I don't expect to rebalance.

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Re: What are you up YTD?

Post by cfs » Wed Dec 31, 2014 6:38 pm

Good year unless . . .

Well shipmates, what can we say, unless you were 100% in Vanguard Energy or 100% in Vanguard Precious Metals you had a good year. Now give yourself a pad on the back. Maintain constant course and speed . . . steady as she goes.
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InvestorNewb
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Re: What are you up YTD?

Post by InvestorNewb » Wed Dec 31, 2014 6:43 pm

Here are my final YTD stats for 2014:

Stocks: 100%
Bonds: -

Up: 10.41%
My Portfolio: VTI [US], VXUS [Int'l], VNQ [REIT], VCN [Canada] (largest to smallest)

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DR
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Re: What are you up YTD?

Post by DR » Wed Dec 31, 2014 6:47 pm

I"m 22/78 (stock/bond) and my YTD is 6.49% Bonds were intermediate term, and stocks were a mix, but a lot of S&P though I had some small cap world, and other growth stocks.

toto238
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Re: What are you up YTD?

Post by toto238 » Wed Dec 31, 2014 6:54 pm

the numbers for my 401k are delayed by a day, but I should have end-of-year numbers tomorrow!

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Re: What are you up YTD?

Post by matti » Wed Dec 31, 2014 7:27 pm

I'm 88% stocks, 12% bonds and I'm up 15.0% for the year.

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Re: What are you up YTD?

Post by Tianmi » Wed Dec 31, 2014 7:43 pm

Mine is about 15%.

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Re: What are you up YTD?

Post by john94549 » Wed Dec 31, 2014 7:50 pm

Somewhat less than yesterday, but can't complain. Any year where stocks and bonds trump my CDs, by whatever margin, is a good year.

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tnbison
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Re: What are you up YTD?

Post by tnbison » Wed Dec 31, 2014 8:31 pm

YTD 16.06%
3 yr 34.4%
5yr 23.4%

currently:
37% of portfolio is in personal company stock
The remainder is 90 stocks/10 bonds

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Re: What are you up YTD?

Post by DVMResident » Wed Dec 31, 2014 8:40 pm

+11.3% 8-)
80/20 split with tilts with REITs doing some heavy lifting

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cfs
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Re: What are you up YTD?

Post by cfs » Thu Jan 01, 2015 2:07 am

DR wrote:I"m 22/78 (stock/bond) and my YTD is 6.49% Bonds were intermediate term, and stocks were a mix, but a lot of S&P though I had some small cap world, and other growth stocks.

Outstanding job by our shipmate DR with a score of 6.49% with less than 25 percent in equities.
Maintain constant course and speed, steady as she goes.
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Re: What are you up YTD?

Post by dgdevil » Thu Jan 01, 2015 7:50 am

+15.8% for the year in my rollover IRA at TRP. I am about 90% stocks, with health sciences (PRHSX) my biggest holding among a half-dozen funds. Got some VG in taxable - pretty blah.

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Re: What are you up YTD?

Post by ruralavalon » Thu Jan 01, 2015 9:45 am

50/50 asset allocation, retired, age 69.

Up 8.32% for 2014, per Morningstar portfolio manager.

Much more than double our portfolio withdrawal rate :)
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Re: What are you up YTD?

Post by TheTimeLord » Thu Jan 01, 2015 10:55 am

The change in value of my investment holdings was +15.11% in 2014. This includes contributions made in 2014.
Run, You Clever Boy! 8723

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