This one is for this month.
Here are my personal portfolio returns
* for November 2015.
Target asset allocation 50/50 using Taylor Larimore's fantastic Three Fund Portfolio
adapted for a Canadian investor:
- VCN (25%): Total-market domestic stock index ETF
- VXC (25%): Total-market international stock index ETF
- VAB (50%): Total-market bond index ETF
The actual weightings in my portfolio may differ slightly from target due to infrequent rebalancing.Trailing portfolio returns (time-weighted returns, comparable returns)
Portfolio return as of 11/30/2015
1 month 0.23%
3 months 0.25%
6 months -2.57%
1 year 2.97%
I encourage Bogleheads to use the wiki:Calculating personal returns
spreadsheet if they wish to calculate and report comparable
personal returns in a uniform manner
* These are not investor (internal, XIRR, money-weighted) or Beardstown Ladies returns.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). Unfortunately, many investors calculate their returns incorrectly.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.
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR