What are you up YTD? [Year To Date]

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Wed Apr 15, 2015 2:47 am

Beardstown lady accounting up 18.32%.

Returns up 3.63%

jay22
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Re: What are you up YTD?

Post by jay22 » Wed Apr 15, 2015 10:30 am

How do you calculate your YTD returns?

livesoft
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Re: What are you up YTD?

Post by livesoft » Wed Apr 15, 2015 10:36 am

jay22 wrote:How do you calculate your YTD returns?

I use MS Money which uses the XIRR() algorithm. I put EVERY SINGLE transaction into this FREE software for ALL my accounts. So this includes even the little bit of cash dividends earning 0.001% still waiting to be invested, all the contributions, all the withdrawals, and all the distributions whether reinvested or not. For individual investments with no transactions except reinvested dividends, MS Money gives the same number as the Morningstar and Vanguard web sites. Basically, MS Money is doing the calculations correctly. And these returns are not "annualized" either.
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jay22
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Re: What are you up YTD?

Post by jay22 » Wed Apr 15, 2015 12:15 pm

livesoft wrote:
jay22 wrote:How do you calculate your YTD returns?

I use MS Money which uses the XIRR() algorithm. I put EVERY SINGLE transaction into this FREE software for ALL my accounts. So this includes even the little bit of cash dividends earning 0.001% still waiting to be invested, all the contributions, all the withdrawals, and all the distributions whether reinvested or not. For individual investments with no transactions except reinvested dividends, MS Money gives the same number as the Morningstar and Vanguard web sites. Basically, MS Money is doing the calculations correctly. And these returns are not "annualized" either.

I thought MS Money is no longer in production?

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Re: What are you up YTD?

Post by Sunny Sarkar » Wed Apr 15, 2015 12:25 pm

jay22 wrote:How do you calculate your YTD returns?

Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD
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Runalong
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Re: What are you up YTD?

Post by Runalong » Wed Apr 15, 2015 3:07 pm

5.2% YTD, including dividends, after all expenses and trading costs.

2% cash, 13% bond funds, 39% foreign, 46% US equity funds and stocks.

Big winner: BSET +65%, Big loser AUO -19%

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Re: What are you up YTD?

Post by livesoft » Wed Apr 15, 2015 3:29 pm

jay22 wrote:I thought MS Money is no longer in production?

"no longer in production" is not the same as "no longer available for free download and use".
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Re: What are you up YTD?

Post by abuss368 » Wed Apr 15, 2015 3:55 pm

I stopped looking at our portfolio performance many years ago. Whether we are "up" or "down" makes no difference to our philosophy and strategy.

Best.
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Re: What are you up YTD?

Post by daave » Wed Apr 15, 2015 4:24 pm

Saw this thread had bumped and checked my spreadsheet.

YTD return: 4.90%
YTD return annualized 18.27%
Lifetime XIRR: 14.09%

So far this year's annualized return is well above my lifetime average (I started investing in 2012), so no complaints!

Allocation:
- Stocks : Bonds = 80 : 20
- US : Int'l = 60 : 40
- Large Blend : Small Value (US only) = 67 : 33

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Re: What are you up YTD?

Post by chabil » Wed Apr 15, 2015 4:49 pm

YTD per Vanguard - 10.1

60:40 equity:bonds

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Re: What are you up YTD?

Post by jay22 » Wed Apr 15, 2015 5:28 pm

Sunny Sarkar wrote:
jay22 wrote:How do you calculate your YTD returns?

Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD

That only gives the $ amount, not the percentage. Or did I miss something here?

reddityeah
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Re: What are you up YTD?

Post by reddityeah » Wed Apr 15, 2015 11:59 pm

jay22 wrote:
Sunny Sarkar wrote:
jay22 wrote:How do you calculate your YTD returns?

Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD

That only gives the $ amount, not the percentage. Or did I miss something here?


my percentage part is blank also. just shows the dollar amount.

sanfran2015
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Re: What are you up YTD?

Post by sanfran2015 » Thu Apr 16, 2015 12:55 am

reddityeah wrote:
jay22 wrote:
Sunny Sarkar wrote:
jay22 wrote:How do you calculate your YTD returns?

Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD

That only gives the $ amount, not the percentage. Or did I miss something here?


my percentage part is blank also. just shows the dollar amount.


Yes same here. For YTD or 1 yr, Vanguard Personal Performance doesn't show a % change. For all years combined, it gives annualized return.

Isn't there an easy way to see YTD % in Vanguard?

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pennstater2005
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Re: What are you up YTD?

Post by pennstater2005 » Thu Apr 16, 2015 8:53 pm

sanfran2015 wrote:
reddityeah wrote:
jay22 wrote:
Sunny Sarkar wrote:
jay22 wrote:How do you calculate your YTD returns?

Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD

That only gives the $ amount, not the percentage. Or did I miss something here?


my percentage part is blank also. just shows the dollar amount.


Yes same here. For YTD or 1 yr, Vanguard Personal Performance doesn't show a % change. For all years combined, it gives annualized return.

Isn't there an easy way to see YTD % in Vanguard?


For me, on the "my home" page you can see the personal performance graph. Underneath it, it says "performance details". I just clicked on that and then onto "investment prices and returns" and there are all the returns of my fund(s) including: YTD and 1,3,5 and 10 year returns.

Since starting investing with Vanguard in April 2012: 13.1%

And YTD returns: 4.69%
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fmzip
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Re: What are you up YTD?

Post by fmzip » Thu Apr 16, 2015 9:31 pm

4.1%

Total US Bond Market Index 22%
Hi Yield Corporate Fund 8%
Short Term Inflation Protected 8%
Total US Stock Market Index 37%
Total International Index 19%
REIT Index 6%

reddityeah
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Re: What are you up YTD?

Post by reddityeah » Thu Apr 16, 2015 10:16 pm

pennstater2005 wrote:
For me, on the "my home" page you can see the personal performance graph. Underneath it, it says "performance details". I just clicked on that and then onto "investment prices and returns" and there are all the returns of my fund(s) including: YTD and 1,3,5 and 10 year returns.

Since starting investing with Vanguard in April 2012: 13.1%

And YTD returns: 4.69%


would you be able to screenshot this? Im not seeing this anywhere

Bacchus01
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Re: What are you up YTD?

Post by Bacchus01 » Fri Apr 17, 2015 7:27 am

Net worth up about 7.5%. About half returns and half contributions. Bonus invested and 401k, HSA, 529s, and Back door Roth maxed out already, so mostly returns for rest of year.

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pennstater2005
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Re: What are you up YTD?

Post by pennstater2005 » Fri Apr 17, 2015 10:48 am

reddityeah wrote:
pennstater2005 wrote:
For me, on the "my home" page you can see the personal performance graph. Underneath it, it says "performance details". I just clicked on that and then onto "investment prices and returns" and there are all the returns of my fund(s) including: YTD and 1,3,5 and 10 year returns.

Since starting investing with Vanguard in April 2012: 13.1%

And YTD returns: 4.69%


would you be able to screenshot this? Im not seeing this anywhere


I would but I don't know how to blur out the information I don't want showing. I'm not sure what you are looking at when you log into Vanguard.
“Life is short, Break the Rules, Forgive quickly, Kiss slowly, Love truly, Laugh uncontrollably, And never regret anything that made you smile" - Unknown

longinvest
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Re: What are you up YTD?

Post by longinvest » Mon Apr 20, 2015 3:49 pm

jay22 wrote:How do you calculate your YTD returns?

I use the wiki:Calculating personal returns spreadsheet.
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Re: What are you up YTD?

Post by daave » Wed Apr 22, 2015 3:07 pm

Uncle Pennybags wrote:Beardstown lady accounting up 18.32%.

Congrats on the substantial contributions to your portfolio!

sanfran2015
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Re: What are you up YTD?

Post by sanfran2015 » Thu May 14, 2015 11:39 pm

After the recent market churn, I'm wondering what people are up YTD? I am barely up 2%

letsgobobby
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Re: What are you up YTD?

Post by letsgobobby » Thu May 14, 2015 11:45 pm

I share your curiosity, but since I only check balances quarterly, we'll both have to wait til July 1 to find out.

sharpjm
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Re: What are you up YTD?

Post by sharpjm » Thu May 14, 2015 11:55 pm

sanfran2015 wrote:After the recent market churn, I'm wondering what people are up YTD? I am barely up 2%

4.2% after today's rally.

The "CNN Tech 30" is up 7.3% though, so clearly it is the best possible investment in the world :twisted:

nukewerker
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Re: What are you up YTD?

Post by nukewerker » Fri May 15, 2015 5:25 am

We have too many accounts but the three I track are:

Rollover IRA = 26.14%, Actively managed single stocks
Roth IRA = 4.7%, Passively managed single stocks
Taxable = 1.4%, Passively managed single stocks

No new contributions in any of these yet this year.

I have no idea what my 401k is doing but its 90% s&p500 and 10% bond fund.

My wife also has a taxable account. She is up about 20% since last fall. Have no idea what the yearly is as their website is horrible and I can't find where you access statements and don't feel like digging up the paper statements.

dgdevil
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Re: What are you up YTD?

Post by dgdevil » Fri May 15, 2015 11:35 am

Up 9.1% in IRA, where I was a few weeks ago. This time I moved 10% into cash, and will trim further into any additional rallies.

Nowizard
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Re: What are you up YTD?

Post by Nowizard » Fri May 15, 2015 4:22 pm

About 3% which represents below average appreciation so far.

Tim

livesoft
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Re: What are you up YTD?

Post by livesoft » Fri May 15, 2015 6:30 pm

For reference here are some 60/40 benchmark returns through 5/15/2015:

4.07% VSMGX Vng LifeStrategy Moderate Growth (total market weights)
4.41% DGSIX DFA Global 60/40 Allocation (small-cap and value-tilted)
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Meaty
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Re: What are you up YTD?

Post by Meaty » Fri May 15, 2015 6:34 pm

11.50%
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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Fri May 15, 2015 7:01 pm

50/50 asset allocation, retired, age 69.

Up 4.21% YTD per Morningstar portfolio manager.

Best by far is Total International.
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TheTimeLord
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Re: What are you up YTD?

Post by TheTimeLord » Sat May 30, 2015 7:21 am

According to the Beardstown Ladies I am up a cool 6.67613%.
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DR
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Re: What are you up YTD?

Post by DR » Sat May 30, 2015 12:58 pm

My allocation is 77% bond, 23% stocks

YTD: 2.86% (7.13% annualized)

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midareff
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Re: What are you up YTD?

Post by midareff » Sat May 30, 2015 1:07 pm

YTD is really too noisy. I do look at M* 12M in both numbers and real dollars but 3, 5 and portfolio 10 year are more meaningful, especially when adjusted in real.

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Garco
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Re: What are you up YTD?

Post by Garco » Sat May 30, 2015 1:44 pm

YTD is noisy, yes. But for the record it's +4.27% as of May 30, 2015. (48% equities, the rest a mix of bonds, multi-asset funds, stable value fund, and real estate).

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Tue Jun 30, 2015 3:23 pm

I'm up 19 biases points. After tax I'm down for the year because of realized gains. :confused

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Re: What are you up YTD?

Post by letsgobobby » Wed Jul 01, 2015 8:42 am

It's still impossible to calculate this because Vanguard hasn't yet posted actual dividends for many of their ETFs. Some are not payable until 7/2. Any calculation I make today would be off by one-half percent or so.

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Re: What are you up YTD?

Post by livesoft » Wed Jul 01, 2015 8:48 am

letsgobobby wrote:It's still impossible to calculate this because Vanguard hasn't yet posted actual dividends for many of their ETFs. Some are not payable until 7/2. Any calculation I make today would be off by one-half percent or so.

Vanguard has posted all the dividends to be paid for their funds, so one can calculate what those dividends would be for themselves if they are so inclined.

That can be important for folks who live paycheck to paycheck dividend to dividend because if they have a bill due on July 3 and do not have enough dividends coming in to pay for it, they would have to sell some shares early enough because of settlement times in order to have enough money to pay the bills on time.
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Re: What are you up YTD?

Post by kareysue » Wed Jul 01, 2015 3:21 pm

-18 basis points. Invested in oil and storage space and they all went down

longinvest
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Re: What are you up YTD?

Post by longinvest » Wed Jul 01, 2015 3:41 pm

I don't wait for dividends. I just enter the value of my investment accounts on the close of the last day of the month in the wiki:Calculating personal returns spreadsheet.

Asset allocation: 50/50

Code: Select all

PORTFOLIO RETURN (time-weighted return, comparable return)

Portfolio return as of   June 30, 2015
1 month   -1.82%
3 months   -1.76%
YTD   3.90%
Last edited by longinvest on Wed Jul 01, 2015 9:06 pm, edited 3 times in total.
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Re: What are you up YTD?

Post by Bacchus01 » Wed Jul 01, 2015 4:52 pm

9.0% YTD. That includes contributions though. About half contributions and half growth, so around 4.5%.

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Re: What are you up YTD?

Post by longinvest » Wed Jul 01, 2015 5:04 pm

Bacchus01 wrote:9.0% YTD. That includes contributions though. About half contributions and half growth, so around 4.5%.

That's why I use the wiki's spreadsheet; it removes the impact of contributions when calculating returns. It's pretty easy to use.
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YTD 1st half 2015

Post by crg11 » Wed Jul 01, 2015 6:21 pm

[Thread merged into here, see below. --admin LadyGeek]

Anyone willing to share how they are doing YTD so far?

Looks like I'm at +2.10% so far. 80/20 asset allocation.
Last edited by crg11 on Wed Jul 01, 2015 6:42 pm, edited 1 time in total.

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Re: YTD 1st half 2015

Post by galeno » Wed Jul 01, 2015 6:28 pm

+2.2% for 60/35/5.
AA = 40/55/5. Expected CAGR = 3.8%. GSD (5y) = 6.2%. USD inflation (10 y) = 1.8%. AWR = 3.0%. TER = 0.4%. Port Yield = 2.0%. Term = 35 yr. FI Duration = 6.2 yr. Portfolio survival probability = 100%.

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Re: YTD 1st half 2015

Post by Frisco Kid » Wed Jul 01, 2015 6:37 pm

Up 2.38% thru 6/30 using an AA of 70/30..............

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Re: YTD 1st half 2015

Post by sharpjm » Wed Jul 01, 2015 7:29 pm

2.7% ytd

~50% stock, ~25% tiaa traditional, ~25% TREA

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Re: YTD 1st half 2015

Post by sperry8 » Wed Jul 01, 2015 7:31 pm

+5.69 YTD. 60/40 US/Foreign.
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Re: YTD 1st half 2015

Post by Jerry55 » Wed Jul 01, 2015 7:34 pm

Averaging them all out 4.26%

(6 funds, TSP = C,S,I + Dodge & Cox International, Wellesley and Wellington)
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Re: YTD 1st half 2015

Post by Maynard F. Speer » Wed Jul 01, 2015 7:40 pm

Up 4.15%

With no US stocks and a Turkish equity fund down -18.74%
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Re: YTD 1st half 2015

Post by Kevin M » Wed Jul 01, 2015 7:42 pm

I have no idea, but when I look at YTD returns, I also like to look at 1-year returns (and even longer) for a bit more perspective. For example, although Vanguard bond fund returns are pretty flat, if not negative, YTD, they still are pretty solid over the last full year. There are a few exceptions, like the intermediate-term TIPS fund and the long-term corporate bond fund, which have negative 1-year returns.

As one of the more extreme examples, the long-term Treasury fund is -6.3% YTD, but +5.85% over last full year.

Kevin
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longinvest
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Re: YTD 1st half 2015

Post by longinvest » Wed Jul 01, 2015 8:54 pm

There's already another YTD thread running: What are you up YTD?

It is difficult to make sense of return numbers when they're not accompanied by an indication of how they were calculated.
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Re: What are you up YTD? [Year To Date]

Post by LadyGeek » Wed Jul 01, 2015 9:13 pm

I merged crg11's thread into here. The combined thread is in the Investing - Theory, News & General forum (general discussion). I also retitled the thread to help new investors with the acronym.
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