What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
poker27
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Re: What are you up YTD? [Year To Date]

Postby poker27 » Wed Jul 01, 2015 9:48 pm

I dont believe my Vanguard taxable app is smart enough to tell me what I am up ytd. My fidelity 401k (60 US stocks, 20intl, 20 bonds) is up 3%

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Uncle Pennybags
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Re: What are you up YTD?

Postby Uncle Pennybags » Wed Jul 01, 2015 10:02 pm

Bacchus01 wrote:9.0% YTD. That includes contributions though. About half contributions and half growth, so around 4.5%.
Oh, Beardstown Ladies accounting I'm up 30%; all after tax. :mrgreen:

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vitaflo
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Re: What are you up YTD?

Postby vitaflo » Wed Jul 01, 2015 10:05 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.


Those are the returns for the individual funds, that's not the return of your own portfolio.

john94549
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Re: What are you up YTD? [Year To Date]

Postby john94549 » Wed Jul 01, 2015 10:36 pm

My puny little trading account is up roughly $6,000 ($122K => $128K). It's not huge, but green is better than red.

Then, again, I've been selling into the rally. It's much easier to sell into a rally than sell into a slump.

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

Postby letsgobobby » Thu Jul 02, 2015 1:02 am

2015 XIRR = 8.17%, which is an annualized figure, so YTD = 4.00%.

1 year return since 7/2/14 XIRR = 2.43%

Not Beardstown figures.

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

Postby ruralavalon » Thu Jul 02, 2015 7:06 am

50/50 asset allocation, retired, age 69.

Up 1.77% YTD per Morningstar portfolio manager.

Best by far is Vanguard Total International Stock Index Fund.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Postby MnD » Thu Jul 02, 2015 7:33 am

2.93%
75/25 with equities 47:53 US:ex-US

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

Postby livesoft » Thu Jul 02, 2015 7:41 am

So far through 6/30, I have beat my benchmark by 44%.
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grap0013
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Re: What are you up YTD? [Year To Date]

Postby grap0013 » Thu Jul 02, 2015 7:52 am

+4.03% per Morningstar

International SCV is carrying the load.
There are no guarantees, only probabilities.

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

Postby john94549 » Thu Jul 02, 2015 11:45 am

Trying to trade in this market (in my "fun money" account") is useless. The S+P just keeps dancing around +/- 5 points. Only a HFT trader can make a buck today. I have an order, which I suspect will not be filled, anticipating Armeggadon.

Look on the bright side. Our ATMs work, and they spew out actual currency.

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

Postby john94549 » Thu Jul 02, 2015 7:55 pm

john94549 wrote: I have an order, which I suspect will not be filled, anticipating Armeggadon.


Argh, it filled. Oh, well.

Win some, lose some, some get rained out.

The life of a contrarian.

I try to look at the bright side. Our ATMs still work.
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Tanelorn
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Re: What are you up YTD? [Year To Date]

Postby Tanelorn » Thu Jul 02, 2015 8:47 pm

livesoft wrote:So far through 6/30, I have beat my benchmark by 44%.

What's your benchmark - TVIX or RUSS (crappy leveraged ETFs), or something more normal?

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

Postby CantPassAgain » Thu Jul 02, 2015 8:58 pm

4% international bond
13% cash
18% US bond
19% international stock
46% US stock

Annnnnd.......

2% XIRR as of market close today. Putting a rebalance order in last Friday didn't help. Oh well.

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

Postby livesoft » Thu Jul 02, 2015 9:13 pm

Tanelorn wrote:
livesoft wrote:So far through 6/30, I have beat my benchmark by 44%.

What's your benchmark - TVIX or RUSS (crappy leveraged ETFs), or something more normal?

I have mentioned my benchmarks many times on the forum. Vanguard Life Strategy Moderate Growth VSMGX is a great 60/40 benchmark that I am writing about here since my portfolio is about 60/40.
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Tanelorn
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Re: What are you up YTD? [Year To Date]

Postby Tanelorn » Thu Jul 02, 2015 9:28 pm

livesoft wrote:
Tanelorn wrote:
livesoft wrote:So far through 6/30, I have beat my benchmark by 44%.

What's your benchmark - TVIX or RUSS (crappy leveraged ETFs), or something more normal?

I have mentioned my benchmarks many times on the forum. Vanguard Life Strategy Moderate Growth VSMGX is a great 60/40 benchmark that I am writing about here since my portfolio is about 60/40.

So you're up 45% or so, since VSMGX is up 1.7% YTD or thereabouts? With 100%+ annualized returns, you should clearly start a fund!

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

Postby livesoft » Thu Jul 02, 2015 9:39 pm

You're funny! I didn't write that I was up 45% or even 44%.
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Tanelorn
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Re: What are you up YTD? [Year To Date]

Postby Tanelorn » Thu Jul 02, 2015 9:54 pm

livesoft wrote:You're funny! I didn't write that I was up 45% or even 44%.

Well I figured you didn't have to be up at all, given a sufficiently bad benchmark, but I didn't think you'd express performance as a multiplier (1.44x) rather than an absolute difference (*). Misleading but truthful statistics suggesting wildly good performance? You definitely could have had a career as a fund manger ;).

* - it would have been even more funny if your benchmark had been mildly negative instead of mildly positive. -2% benchmark and I beat it by 50%, ie -3%.

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

Postby livesoft » Thu Jul 02, 2015 10:06 pm

I have come to realize that many of the performance numbers posted are calculated all kinds of different ways without any consistency whatsoever. And even if they are calculated correctly the calculation is done for a subset of accounts, as in "Oh, I didn't include the 80% of my portfolio in cash."

I am still puzzled by Jerry55's post:
Averaging them all out 4.26%

(6 funds, TSP = C,S,I + Dodge & Cox International, Wellesley and Wellington)
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cfs
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Re: What are you up YTD? [Year To Date]

Postby cfs » Thu Jul 02, 2015 10:30 pm

Good conversation. Good updates. And as far as my boring SWAN or sleep well at night portfolio all I can say is "Hanging in there."

(1) Bucket 1 on track (planned for withdrawals age 62-72)
(2) Bucket 2 on track (planned for withdrawals age 72-82).
(3) Bucket 3 on track (planned for withdrawals age 82-EOL).

As discussed in previous conversations, what I track is the overall portfolio "growth" which includes total return and new money invested. Overall, on the green with single digit "growth" in all three buckets, with bucket 3 leading the charge. Praise the Lord, doing fine (I will praise the Lord regardless of my gains or loses), Sigamos pues.
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davidsorensen32
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Re: What are you up YTD? [Year To Date]

Postby davidsorensen32 » Thu Jul 02, 2015 11:03 pm

negative 10bps so far. 65/35 SWAN

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Jerry55
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Re: What are you up YTD? [Year To Date]

Postby Jerry55 » Thu Jul 02, 2015 11:25 pm

livesoft wrote:I have come to realize that many of the performance numbers posted are calculated all kinds of different ways without any consistency whatsoever. And even if they are calculated correctly the calculation is done for a subset of accounts, as in "Oh, I didn't include the 80% of my portfolio in cash."

I am still puzzled by Jerry55's post:
Averaging them all out 4.26%

(6 funds, TSP = C,S,I + Dodge & Cox International, Wellesley and Wellington)



I just simply added up each of the 6 funds YTD gain (6 funds) and divided by 6 to get an average.
I'm lazy, but I guess it's fair. My funds held in an online savings account at less than 1% is insignificant,
so they were not included. It's less than 5% of my investments. :happy
Retired 12/19/2012 @ age 57 | Good Bye Tension, Hello Pension !!!

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

Postby DVMResident » Thu Jul 02, 2015 11:58 pm

AA 80/20 (50/50 international on equities): +2.81%

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

Postby Aptenodytes » Fri Jul 03, 2015 1:35 am

3.37% through June 30
55% stocks, of which 50% international.

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

Postby Gattamelata » Fri Jul 03, 2015 2:24 am

livesoft wrote:
Tanelorn wrote:
livesoft wrote:So far through 6/30, I have beat my benchmark by 44%.

What's your benchmark - TVIX or RUSS (crappy leveraged ETFs), or something more normal?

I have mentioned my benchmarks many times on the forum. Vanguard Life Strategy Moderate Growth VSMGX is a great 60/40 benchmark that I am writing about here since my portfolio is about 60/40.


Please do not read any livesoft post without first reading every other livesoft post.

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

Postby longinvest » Fri Jul 03, 2015 6:59 am

livesoft wrote:I have come to realize that many of the performance numbers posted are calculated all kinds of different ways without any consistency whatsoever. And even if they are calculated correctly the calculation is done for a subset of accounts, as in "Oh, I didn't include the 80% of my portfolio in cash."

I've built the wiki:Calculating personal returns spreadsheet specifically to allow Bogleheads to easily calculate and report their personal returns in a uniform manner.

Of course, one needs to enter the value of their overall monthly portfolio balance as well as all monthly contributions (including employer match) and withdrawals to correctly calculate overall portfolio returns.

It's up to Bogleheads to adopt the spreadsheet (and suggest modifications, if necessary) or not.
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

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

Postby bayview » Fri Jul 03, 2015 8:25 am

longinvest wrote:
livesoft wrote:I have come to realize that many of the performance numbers posted are calculated all kinds of different ways without any consistency whatsoever. And even if they are calculated correctly the calculation is done for a subset of accounts, as in "Oh, I didn't include the 80% of my portfolio in cash."

I've built the wiki:Calculating personal returns spreadsheet specifically to allow Bogleheads to easily calculate and report their personal returns in a uniform manner.

Of course, one needs to enter the value of their overall monthly portfolio balance as well as all monthly contributions (including employer match) and withdrawals to correctly calculate overall portfolio returns.

It's up to Bogleheads to adopt the spreadsheet (and suggest modifications, if necessary) or not.

longinvest, this is a great service on your part. Many thanks. :beer

Using the wiki referenced above, with all the contributions entered, I get:

investor return: 3.67%
portfolio return: 1.84% (YTD figure)

I still don't completely grasp why there's such a huge difference, but I accept that there is. At any rate, I'm not entering all that stuff again. :D

48% Treasury funds (mostly intermediate-term) + G fund
40% total US market + cobbled-together C and S fund
12% total international + I fund (not yet bothering with trying to add in EM and poor neglected Canada)
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ANC
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Re: What are you up YTD? [Year To Date]

Postby ANC » Fri Jul 03, 2015 9:36 am

+2.5% on a 55S/27B/18C portfolio.

A tilt to US large cap growth seems to have provided a small boost, while keeping international at around 25% of stocks.

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

Postby livesoft » Fri Jul 03, 2015 9:36 am

bayview wrote:I still don't completely grasp why there's such a huge difference, but I accept that there is.

I suspect the investor return is the YTD return annualized. Since only 6 months of the year is behind us, the annualized return is just twice the YTD return because 12 months divided by 6 months is 2.
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Re: What are you up YTD? [Year To Date]

Postby longinvest » Fri Jul 03, 2015 9:54 am

livesoft wrote:
bayview wrote:I still don't completely grasp why there's such a huge difference, but I accept that there is.

I suspect the investor return is the YTD return annualized. Since only 6 months of the year is behind us, the annualized return is just twice the YTD return because 12 months divided by 6 months is 2.

The YTD portfolio return is not annualized. Investor return (internal rate of return) is annualized. I could try to fix it not to annualize for periods smaller than one year.
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Re: What are you up YTD? [Year To Date]

Postby packer16 » Fri Jul 03, 2015 1:24 pm

+14.2% YTD in stocks account - including some foreign/EM exposure (S. Korea pfds, Brazil & Greece)
+4.7% YTD in retirement - can only invest in funds.

We will see if this holds through the rest of the year. Last year I was ahead of the market but a good number of my EM and SCV value stocks nosedived into year-end.

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

Postby Vega » Fri Jul 03, 2015 1:26 pm

-2% in my 401k (started in April) I'd be interested to see my IRA. I'm going to go calculate and post it.
15% Large Cap, 30% Mid Cap, 15% REIT, 10% EM, 25% LT Bond, 5% TIPs

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

Postby camper » Fri Jul 03, 2015 1:51 pm

Up 2.28%
Portfolio is:
80/20 stock/bond
60/40 US/Intl
50/50 large/small
with 10% stock allocation to reit
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Re: What are you up YTD? [Year To Date]

Postby Vega » Fri Jul 03, 2015 2:00 pm

+ 7.51% in my IRA. I currently don't follow passive indexing in this account.
15% Large Cap, 30% Mid Cap, 15% REIT, 10% EM, 25% LT Bond, 5% TIPs

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

Postby Netherworld » Fri Jul 03, 2015 2:19 pm

basically flat.

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

Postby carolinaman » Fri Jul 03, 2015 3:59 pm

+1.70% on 37% equity/63% fixed. Over 30% of fixed income is in CDs yielding 3% or SV yielding 1.9% which boosts the fixed income. Bond funds are almost flat except for HY at +1.9%.

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

Postby Sconie » Fri Jul 03, 2015 4:12 pm

3.03% ytd as of 6-30-2015.

62% equity (36% int'l; 64% domestic); 30% fixed; 8% cash
I know that you think you understand what you thought I said, but I don't think you realize that what I said is necessarily what I meant......

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

Postby livesoft » Fri Jul 03, 2015 4:36 pm

Sconie wrote:3.03% ytd as of 6-30-2015.

62% equity (36% int'l; 64% domestic); 30% fixed; 8% cash

This performance is totally amazing as it is double what index funds with a similar asset allocation have done. What's your secret?
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Re: What are you up YTD? [Year To Date]

Postby letsgobobby » Fri Jul 03, 2015 4:52 pm

livesoft wrote:
Sconie wrote:3.03% ytd as of 6-30-2015.

62% equity (36% int'l; 64% domestic); 30% fixed; 8% cash

This performance is totally amazing as it is double what index funds with a similar asset allocation have done. What's your secret?

I'm 60/40 like Sconie and have 4.00% YTD, but I'm 60/40 international/domestic. Does that make so much of a difference?

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

Postby sschullo » Fri Jul 03, 2015 4:53 pm

Netherworld wrote:basically flat.


Yeah, same here. Got a slim $4,849.00 gain on a 7 figure portfolio with a 35% equity/65% bond allocation. I'll take it. :sharebeer
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Re: What are you up YTD? [Year To Date]

Postby Aptenodytes » Fri Jul 03, 2015 5:17 pm

livesoft wrote:
Sconie wrote:3.03% ytd as of 6-30-2015.

62% equity (36% int'l; 64% domestic); 30% fixed; 8% cash

This performance is totally amazing as it is double what index funds with a similar asset allocation have done. What's your secret?

If Sconie had a heavy small-cap tilt in international, and had some high-performing fixed income instruments (e.g. TIAA traditional of good vintages and/or corporate high-yield funds), Sconie could get within striking distance of 3.0%. THe 8% cash position probably makes it impossible to get all the way there with Vanguard index funds, but bring in the DFA international small fund (+10% YTD) and you've got a path to 3.0%.

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

Postby livesoft » Fri Jul 03, 2015 6:19 pm

Here is what I think might be going on in some instances: Folks using the XIRR algorithm are only putting the dates from 01/01/2015 to 06/30/2015 which gives double their true YTD return. If one puts the dates 01/01/2015 to 12/31/2015, then the YTD return is correct.
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Re: What are you up YTD? [Year To Date]

Postby livesoft » Fri Jul 03, 2015 6:28 pm

Aptenodytes wrote:If Sconie had a heavy small-cap tilt in international, and had some high-performing fixed income instruments (e.g. TIAA traditional of good vintages and/or corporate high-yield funds), Sconie could get within striking distance of 3.0%.

You have described my portfolio (see for instance viewtopic.php?t=150267). Half my international is in VSS (small-cap foreign) which is up about 8% this year. Also I do not have 38% bond+cash, instead I have about 7% TREA, 3% TIAA, 10% short-term corporate bond index all of which have outperformed total US Bond index so far this year. And the 20% remaining of the portfolio is Total US Bond Index.

And yes, the YTD return of my portfolio is within striking distance of 3%, but not 4%, unless I use the dates 01/01/2015 to 06/30/2015.

And this date issue shows up if one uses programs like Quicken or MS Money to do the calculations. One has to select the full year or the result will be "annualized" for you or about double at this time of year.
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Re: What are you up YTD? [Year To Date]

Postby letsgobobby » Fri Jul 03, 2015 6:38 pm

livesoft wrote:Here is what I think might be going on in some instances: Folks using the XIRR algorithm are only putting the dates from 01/01/2015 to 06/30/2015 which gives double their true YTD return. If one puts the dates 01/01/2015 to 12/31/2015, then the YTD return is correct.

is the rate of return "x" from 1/1/15-6/30/15 solved where x = (1+XIRR)^0.5?

It is quite possible I'm not calculating correctly. I calculate XIRR 8.17% so my return for H1 is 4.00%.

Our retirement portfolio is

36% international stocks, mostly total international with some VSS
24% US stocks, mostly S&P500 and total stock with just a smattering of VBR
18% stable value fund paying 1.5%
17% total bond
5% I bonds

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

Postby bayview » Fri Jul 03, 2015 6:54 pm

longinvest wrote:
livesoft wrote:
bayview wrote:I still don't completely grasp why there's such a huge difference, but I accept that there is.

I suspect the investor return is the YTD return annualized. Since only 6 months of the year is behind us, the annualized return is just twice the YTD return because 12 months divided by 6 months is 2.

The YTD portfolio return is not annualized. Investor return (internal rate of return) is annualized. I could try to fix it not to annualize for periods smaller than one year.

Thanks to both of you for the explanation. I usually look at last 12 instead, so it's no big deal to me.
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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Re: What are you up YTD? [Year To Date]

Postby livesoft » Fri Jul 03, 2015 7:56 pm

Let's try an experiment.

Suppose one bought 1000 shares of a fund on December 31, 2014 that closed at $24.08 a share. And then one made no other purchases through 6/30/2015 from the outside, but one did reinvest the dividend of $241 (0.241 per share) on 6/26 at $24.52 a share, and the fund closed at $24.24 a share on 6/30/2015.

What would one's YTD return to 6/30/2015 be?
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Re: What are you up YTD? [Year To Date]

Postby camper » Fri Jul 03, 2015 8:24 pm

camper wrote:Up 2.28%
Portfolio is:
80/20 stock/bond
60/40 US/Intl
50/50 large/small
with 10% stock allocation to reit


This is how I calculated our YTD...

(1+XIRR)^(181/365)-1
My goal: "One day I might wake up and decide to call in "rich"!" :D ~posted by bhsince87

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

Postby abyan » Fri Jul 03, 2015 8:51 pm

YTD +3.6%

I'm 30% international. That helped. This year, at least.

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

Postby jbk » Fri Jul 03, 2015 9:02 pm

2.73% through June 30th on a 70/15/15 allocation (equity/TREA/TIAA Trad.)

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

Postby letsgobobby » Fri Jul 03, 2015 9:08 pm

livesoft wrote:Let's try an experiment.

Suppose one bought 1000 shares of a fund on December 31, 2014 that closed at $24.08 a share. And then one made no other purchases through 6/30/2015 from the outside, but one did reinvest the dividend of $241 (0.241 per share) on 6/26 at $24.52 a share, and the fund closed at $24.24 a share on 6/30/2015.

What would one's YTD return to 6/30/2015 be?

Without a calculator, you had $24080 and now have about $24240+about $240=$24480. Return is the difference of $400/$24080 or 1.66%

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

Postby macheta » Fri Jul 03, 2015 9:46 pm

9.6%=

2.45% Investment gain
7.15% Contributions


The account needs to hit five percent investment return this year to hit the planned target. There is a good chance of hitting this mark.


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