What are you up YTD? [Year To Date]

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

Post by pshonore » Thu Jul 16, 2015 9:37 am

madbrain wrote:Now at 2.14% YTD. This is total return on entire 7 figure portfolio.
I have significant holding in EMs and Total international. But also a big chunk in Stable value to smooth things up.

As of today, VWO is my only holding with negative total return YTD -0.42%.
But my VEMAX stands at +1.04% YTD.
I did not buy any shares this year of either one except automatic dividend reinvestments.
The reinvestments happened on different dates, though, and different discount/premium to NAV for the ETF shares.
Somehow the ETF version of EM has done much worse.

I think this is exhaustive proof that Jack Bogle is right about mutual funds being better than ETFs :)
For comparison, VG website shows VWO as +0.08% and VEMAX as + 0.65% YTD through 7/15.

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

Post by cfs » Thu Jul 16, 2015 10:46 am

ericinvest wrote:As of this morning when I checked, it's 11.15%. No contribution so far this year (contribution went to a cash account since my pe10 signal let me rebalance 10% of stock into bond/cash).

74% stock & 26% bond/CD/cash. Stock includes total market index, small value, international index, REIT index, individual stock picks, and bond includes inter-term total bond and muni. Stock picks did the leg work.

Good job. And I concur, "stock picks" can make a big difference (on the positive or negative columns). Shameless disclaimer, I no longer have individual stocks in my boring SWAN portfolio--by the way, doing fine YTD.
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renue74
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Re: What are you up YTD? [Year To Date]

Post by renue74 » Thu Jul 16, 2015 11:00 am

3.13% YTD - July 15th

Did some major reshuffling earlier this year and slowly getting to a Boglehead portfolio. Also increased my Int'l stock funds from 15% of stock funds to about 24% this year and hit it at the right time to do some Tax Loss Harvesting and then rebound. (Up about 2% in Int'l)

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

Post by IlliniDave » Thu Jul 16, 2015 11:12 am

I checked my 401k and Fidelity said my "personal performance" was 2.9% for the year, in line with most everyone else it seems. I was too lazy to check Vanguard, but the lion's share is in the 401k so overall I won't be much different.
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Re: What are you up YTD? [Year To Date]

Post by sharpjm » Thu Jul 16, 2015 2:16 pm

4.4% as of 07/15/15. I am starting to think RBDs may actually work :D

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

Post by madbrain » Thu Jul 16, 2015 3:50 pm

pshonore wrote:For comparison, VG website shows VWO as +0.08% and VEMAX as + 0.65% YTD through 7/15.


Is that Vanguard data updated daily ? I remember many performance figures being updated either monthly or quarterly.

My figures are from Quicken. I looked at the transactions, share value and dividend amounts, and the performance number I got out of Quicken made sense.

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

Post by Uncle Pennybags » Thu Jul 16, 2015 11:01 pm

madbrain wrote:
pshonore wrote:Is that Vanguard data updated daily ?
Yes at 6:10 PM EDT just as Mad Money's Karmer starts tooting sirens. I'm not a no peak guy; I can handle the truth. :mrgreen:

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

Post by bayview » Fri Jul 17, 2015 4:27 pm

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

portfolio return: 1.84% (YTD figure)

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)

I need to give the spreadsheet a whirl again, but the lazy check of the Vanguard portion (no new funds going in) shows 3.89% YTD as of yesterday, so that's encouraging.

eta: 3.15% YTD total portfolio, and considering how conservative our AA is, I'll take it.
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Re: What are you up YTD? [Year To Date]

Post by sschullo » Fri Jul 17, 2015 4:39 pm

Here is our portfolio:
35%/65% Stock/Bond Split. Cost .13%


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

Post by cfs » Fri Jul 17, 2015 5:48 pm

Portfolio Top Week.

This was a good week for the buy-to-hold team.
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Re: What are you up YTD? [Year To Date]

Post by TroyMcClure » Sat Jul 18, 2015 6:15 am

longinvest wrote:<OFF TOPIC>

It was already my intention to work on the spreadsheet, so I also took the opportunity to work on this issue. If you'd like to test the new version and provide some very needed feedback, please read: viewtopic.php?f=10&t=150025&start=100#p2546871 (and provide your feedback, if any, on that thread).

</OFF TOPIC>

I have downloaded the newest version of the spreadsheet put together by longinvest, thank you very much for this.
It seems to be working perfectly.

My portfolio return is 8.41% YTD (actually at end of June), which sounds right. It was up a lot during the first quarter, like 15+%, and then fell down significantly during the second quarter.

I'm a European investor, all in EUR. AA is about 70% stocks, 30% bonds. Within the stocks I have a vast majority of ETFs (MSCI World, Eurostoxx 600, MSCI Emerging Markets, REIT) and some of my employer's stock (small portion about 3% of total portfolio) on which I get at a large discount. Bonds are equal part world government bonds and short term Euro government bonds.

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

Post by Robert T » Sat Jul 18, 2015 6:30 am

.
YTD returns (to July 17, 2015)

MSCI All Cap World Index (ACWI):

In USD = 4.8%
in GBP = 4.5%
In Euro = 16.8%
.

nukewerker
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Re: What are you up YTD?

Post by nukewerker » Sat Jul 18, 2015 6:35 am

nukewerker wrote: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.


These three updated:

Rollover IRA = 40.38%, Actively managed single stocks
Roth IRA = 7.71%, Passively managed single stocks
Taxable = 1.1%, Passively managed single stocks

Weighted avg. of the three accounts = 29.08% YTD, no new contributions to date sans dividends.

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

Post by ruralavalon » Sat Jul 18, 2015 12:20 pm

50/50 asset allocation, retired, age 69.

Up 2.74% YTD per Morningstar portfolio manager.

Best this year is Vanguard Total International Stock Index Fund.
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Uncle Pennybags
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Re: What are you up YTD? [Year To Date]

Post by Uncle Pennybags » Sat Jul 18, 2015 1:09 pm

ruralavalon wrote:Best this year is Vanguard Total International Stock Index Fund.
I assume you didn't buy shares this year as I did. My April, May and June shares are all down. :oops: My July shares are up over 5%. :greedy

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

Post by daave » Tue Jul 21, 2015 5:53 pm

80/20 portfolio
2015 YTD 3.59%
2015 XIRR 6.62%

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

Post by SurferD » Wed Jul 22, 2015 1:44 am

Up 0.83% since 7/7 - 70:30 AA

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

Post by TheTimeLord » Sat Aug 01, 2015 7:49 am

Just finished monthly net worth calculations and the size of my investment portfolio has increased 6.98% since Jan 1st.
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cfs
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Re: What are you up YTD? [Year To Date]

Post by cfs » Sat Aug 01, 2015 8:45 am

TheTimeLord wrote:Just finished monthly net worth calculations and the size of my investment portfolio has increased 6.98% since Jan 1st.

Thanks for the update and congratulations, you are having a great year.
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Re: What are you up YTD? [Year To Date]

Post by livesoft » Sat Aug 01, 2015 8:48 am

cfs wrote:
TheTimeLord wrote:Just finished monthly net worth calculations and the size of my investment portfolio has increased 6.98% since Jan 1st.

Thanks for the update and congratulations, you are having a great year.

Maybe not. Perhaps they contributed an additional 20% to their portfolio this year which would increase net worth, but lost 13%. :twisted:
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Re: What are you up YTD? [Year To Date]

Post by cfs » Sat Aug 01, 2015 9:40 am

Concur.

Yes, could be.
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HurdyGurdy
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Re: What are you up YTD? [Year To Date]

Post by HurdyGurdy » Sat Aug 01, 2015 10:38 am

Contramaestre cfs, as I see this thread popping up now and then, I can only say up and down, up and down....

longinvest
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Longinvest's Uniform Returns -- July 2015 edition

Post by longinvest » Sat Aug 01, 2015 10:52 am

I encourage Bogleheads to use the wiki:Calculating personal returns spreadsheet to calculate and report their personal returns in a uniform manner.

Here are my personal portfolio returns* for July 2015.

Asset allocation: 50/50 -- (25% Canadian stocks / 25% ex-Canada stocks / 50% Canadian bonds)

Code: Select all

Trailing portfolio return (time-weighted return, comparable return)      
      
Portfolio return as of      7/31/2015
1 month      2.18%
3 months      0.91%
6 months      1.58%
YTD      6.16%


Disclaimer (i): The main reason I participate in this thread is to help Bogleheads learn about properly calculating their personal returns and discover that there are different types of returns (investor vs portfolio vs nonsense). Unfortunately, many investors calculate nonsense returns.

Disclaimer (ii): What is the use of knowing one's personal returns? Not much, as it is a big mistake to project these returns into the future. I only see one interesting use: Discovering that from month to month, past returns vary widely, helping one realize how useless they are. :annoyed

* These are not investor (internal, XIRR, money-weighted) or Beardstown Ladies (nonsense) returns.
Last edited by longinvest on Sat Aug 01, 2015 11:54 am, edited 1 time in total.
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texas_archer
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Re: What are you up YTD? [Year To Date]

Post by texas_archer » Sat Aug 01, 2015 11:34 am

Personal Return 9.36%
1 Month 0.67%
3 Month -0.83%
YTD 2.48%
1 Year 4.40%
3 Year 9.17%
5 Year -
10 Year -

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

Post by cfs » Sat Aug 01, 2015 11:50 am

HurdyGurdy wrote:Contramaestre cfs, as I see this thread popping up now and then, I can only say up and down, up and down....

Contramaestres rule. Up and Down, Up and Down, just like on destroyers and frigates. Tin Can Sailors Forever.

And now we resume regular programming with What are you up YTD?
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bayview
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Re: Longinvest's Uniform Returns -- July 2015 edition

Post by bayview » Sat Aug 01, 2015 3:33 pm

longinvest wrote:I encourage Bogleheads to use the wiki:Calculating personal returns spreadsheet to calculate and report their personal returns in a uniform manner.

Here are my personal portfolio returns* for July 2015.

Asset allocation: 50/50 -- (25% Canadian stocks / 25% ex-Canada stocks / 50% Canadian bonds)

Code: Select all

Trailing portfolio return (time-weighted return, comparable return)      
      
Portfolio return as of      7/31/2015
1 month      2.18%
3 months      0.91%
6 months      1.58%
YTD      6.16%


Disclaimer (i): The main reason I participate in this thread is to help Bogleheads learn about properly calculating their personal returns and discover that there are different types of returns (investor vs portfolio vs nonsense). Unfortunately, many investors calculate nonsense returns.

Disclaimer (ii): What is the use of knowing one's personal returns? Not much, as it is a big mistake to project these returns into the future. I only see one interesting use: Discovering that from month to month, past returns vary widely, helping one realize how useless they are. :annoyed

* These are not investor (internal, XIRR, money-weighted) or Beardstown Ladies (nonsense) returns.

longinvest, you had a nice July! :beer

Using the spreadsheet wiki, I get:

Portfolio return as of 7/31/2015
1 month 0.92%
3 months 0.58%
6 months 3.33%
YTD 2.78%

I'll take it.

This is including maxed contributions to my TSP, including three biweekly deposits for July. (I'm buying cheap. :D)
49% Treasuries, 38% total US, 13% total-ish international

We were higher in equities at the beginning of the year, and I've since dialed back to the current AA.

edited to include wiki spreadsheet numbers
Last edited by bayview on Sat Aug 01, 2015 5:45 pm, edited 2 times in total.
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Theoretical
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Re: What are you up YTD? [Year To Date]

Post by Theoretical » Sat Aug 01, 2015 4:05 pm

A little under 1% for the last four months. Before that is hard to project because I finished consolidating almost all of my assets into index funds, so I lost a bit to transaction costs/unlucky timing.

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

Post by Uncle Pennybags » Sat Aug 01, 2015 7:39 pm

Theoretical wrote:A little under 1% for the last four months. Before that is hard to project because I finished consolidating almost all of my assets into index funds, so I lost a bit to transaction costs/unlucky timing.
Costs during these trying times are the difference between being up or down. If I paid what the average "retail" investor pays I would be down and not up.

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

Post by Theoretical » Sun Aug 02, 2015 8:56 pm

You know, I just remembered that all of my bonds pay out in August and February, so the returns are a bit depressed right now, so that's the good news! With those in mind, it's probably closer to 2.5-3%.

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k66
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Re: What are you up YTD? [Year To Date]

Post by k66 » Mon Aug 03, 2015 11:10 am

I agree with longinvest, the actual numbers are entirely irrelevant. What I do track is my current returns versus two potential target-date style funds that I could very well have invested in if I had not implemented a low-fee BH portfolio. My current returns versus Fund-1 and Fund-2 in brackets.

1-year = 8.8% (3.88%, 5.81%)
5-year = 9.0% (6.11%. 6.85%)

The proof of the pudding is in the eating, yes?
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tnbison
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Re: What are you up YTD? [Year To Date]

Post by tnbison » Thu Aug 06, 2015 11:05 am

Using wiki spreadsheet

1 month: .36%
3 months: 6.4%
6 months: 9%
YTD: 8.19%
1 yr: 14.39%
3 yr(annualized): 21.03%
5 yr(annualized): 17.3%

Asset Allocation
60% of portfolio is 84/16 slice and dice
40% is in employer stock

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

Post by TheTimeLord » Thu Aug 06, 2015 5:41 pm

k66 wrote:I agree with longinvest, the actual numbers are entirely irrelevant. What I do track is my current returns versus two potential target-date style funds that I could very well have invested in if I had not implemented a low-fee BH portfolio. My current returns versus Fund-1 and Fund-2 in brackets.

1-year = 8.8% (3.88%, 5.81%)
5-year = 9.0% (6.11%. 6.85%)

The proof of the pudding is in the eating, yes?


What matters to me is how much I have because I can only spend or invest what I have. If I have picked an appropriate AA made up of lost cost index funds why should I care what my portfolio does month to month relative to a target date fund?
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k66
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Re: What are you up YTD? [Year To Date]

Post by k66 » Fri Aug 07, 2015 9:24 am

TheTimeLord wrote:
k66 wrote:I agree with longinvest, the actual numbers are entirely irrelevant. What I do track is my current returns versus two potential target-date style funds that I could very well have invested in if I had not implemented a low-fee BH portfolio. My current returns versus Fund-1 and Fund-2 in brackets.

1-year = 8.8% (3.88%, 5.81%)
5-year = 9.0% (6.11%. 6.85%)

The proof of the pudding is in the eating, yes?


What matters to me is how much I have because I can only spend or invest what I have. If I have picked an appropriate AA made up of lost cost index funds why should I care what my portfolio does month to month relative to a target date fund?


Exactly--I only care about what I can control (fees and risk/allocation). However, for myself, the only measure of that control is by comparing what I likely would have invested in if I had not decided to manage my own fees and risk/allocation. Given what is available in my current employer's line-up of funds, I might have selected a batch of high-fee nebulous bond & equity funds or perhaps, and more likely, one of TDF's offered (again with excessive fees attached). Instead, over the past five years, I have off-loaded as much as I can from my employer's DC programme and initiated a BH-style investment mix with an AA that I understand (and control) and a fee that is less than one tenth what it would have been.

To see that I am now outpacing my alter-ego investor by 2% to 3% (or more) per year is all the proof I need that what I have done was the correct move and will continue to be the right path. In the context of this thread, current returns are meaningless and irrelevant as we have no control over them. Comparison to a benchmark is however an appropriate exercise if for no other reason than to satisfy yourself that you are doing OK. For myself that comparison is to one or more TDFs.
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grettman
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Re: What are you up YTD? [Year To Date]

Post by grettman » Fri Aug 21, 2015 2:29 pm

...quiet in here today....

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

Post by livesoft » Fri Aug 21, 2015 2:30 pm

I hope all the folks who confessed to owning EM this year do not report numbers higher than a LifeStrategy fund or other benchmark.
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Re: What are you up YTD? [Year To Date]

Post by TomatoTomahto » Fri Aug 21, 2015 3:30 pm

grettman wrote:...quiet in here today....

Funny that :D

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

Post by jfn111 » Fri Aug 21, 2015 3:58 pm

We're all geniuses when the market is going up. :mrgreen:

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

Post by archii » Fri Aug 21, 2015 5:10 pm

All I can say is that with a mid 7 figure portfolio, I can at least draw some relief my losses today were under 6 figures.
I guess that makes me feel better :(

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

Post by oldzey » Fri Aug 21, 2015 5:25 pm

My TIAA Traditional is up 2% YTD. :mrgreen:
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Re: What are you up YTD? [Year To Date]

Post by Bacchus01 » Fri Aug 21, 2015 5:29 pm

grettman wrote:...quiet in here today....

Today was a great day.

Any amount of market recovery after I TLH about $250K worth of investments....will be worth it!

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

Post by Uncle Pennybags » Fri Aug 21, 2015 8:15 pm

-2.02% YTD. I kept buying total bonds as they fell. I caught the knife three weeks ago and they are saving my portfolio from total disaster. I give up on foreign stock, I'm not buying any more until they are 10% of my stock holdings. 20% is too much. They should hit 10% next Tuesday.

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

Post by tarheel » Sat Aug 22, 2015 5:42 am

-2.03% YTD. Appears Uncle Pennybags and I have the same portfolio! :wink:

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

Post by IlliniDave » Sat Aug 22, 2015 6:14 am

I'm down about 3.3% for the year. 48 hours ago I was up for the year. Easy come, easy go.
Don't do something. Just stand there!

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

Post by Bracket » Sat Aug 22, 2015 6:37 am

I'm probably down for the year, but I haven't checked recently. I wonder if I've been kicked out of the two comma club. I'll have to take a look and see if it's time to rebalance. I bought EM twice this week and TSM yesterday without looking. Time to see where I am.

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

Post by longinvest » Sat Aug 22, 2015 6:57 am

The entry for August 2015 is not active in my copy of the Bogleheads return spreadsheet. It's too soon to look.

If you are worried, your asset allocation is probably wrong. You should consider changing it before a major drop happens, but if you do so, consider that the major drop might never happen, so select an asset allocation that will work in both good times and bad times.

I always expect stocks to loose 50% of their value in the next trading day and not recover for a long time. I did set my asset allocation accordingly.

Stay the course and stop watching your portfolio daily. Once a month is plenty enough!
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon » Sat Aug 22, 2015 7:54 am

50/50 asset allocation, retired, age 70 tomorrow.

Down 1.45% YTD per Morningstar portfolio manager.

Best this year is Vanguard Intermediate-Term investment-Grade Bond Fund.
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sharpjm
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Re: What are you up YTD? [Year To Date]

Post by sharpjm » Sat Aug 22, 2015 9:19 am

-0.26% ytd. TREA and TIAA Traditional have helped keep that number from sinking more.

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

Post by CantPassAgain » Sat Aug 22, 2015 10:49 am

45% US stock
18% Intl stock
19% US bond
5% Intl bond
13% Cash

Year to date XIRR (1.9%)

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

Post by jstash » Sat Aug 22, 2015 12:22 pm

Down 2.9% for the year. 90/10 allocation.

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htdrag11
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Re: What are you up YTD? [Year To Date]

Post by htdrag11 » Sat Aug 22, 2015 5:51 pm

Down 0.5% at 70-30 allocation after RBD.

I'm OK with my allocation during my 1st year of full retirement, 3 to 7 years from collecting SS.

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