What are you up YTD? [Year To Date]

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

Postby Uncle Pennybags » Mon Oct 12, 2015 6:55 pm

Seattlenative wrote:. For most of the history of equity markets, investors did not have the option of what we now call an "index fund", though they could attempt to assemble (at substantial commission costs) a portfolio of stock and bond positions which would attempt to capture the overall performance of the market as a whole.
Back in the day we used a companies dividend reinvestment plan to cut out the money changers.

I'm up $248.57 year to date take that "cash is king" "timers".

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

Postby Dulocracy » Tue Oct 13, 2015 10:19 am

What am I up to? Well, I am expecting a child. I was the best man in a wedding this past weekend. I convinced my in-laws to move from New York to Georgia to be near us (and the expected child).... oh, you meant investments.

After a computer crash, I have to re-enter all of my data. I no longer have the numbers with accuracy. I will say that I have tried to contribute as much as possible this year. I know there may be a crash, but if there is a decades long slow increase, I want as much money to go in before that slow increase begins.
I'm not a financial professional. Post is info only & not legal advice. No attorney-client relationship exists with reader. Scrutinize my ideas as if you spoke with a guy at a bar. I may be wrong.

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

Postby ruralavalon » Mon Oct 19, 2015 8:22 pm

Vanguard Total Stock Market Index Fund is now out of the basement, up 0.04% YTD :) .
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Postby ruralavalon » Fri Oct 23, 2015 6:05 pm

Vanguard Total International Stock Market Index Fund is now out of the basement, up 0.83% YTD :) .
"Everything should be as simple as it is, but not simpler." - Albert Einstein | | Wiki article link:Getting Started

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

Postby Peter Foley » Sat Oct 24, 2015 11:57 am

I'm probably up about 2%. TSM, as noted, is up less than 1% but I have some Int'l and bond fund losses that neutralize those gains.

My gains for the year are because I have a significant portion of non equities invested in older Stable Value Funds and I-Bonds.

Diversification is the key.

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

Postby rixer » Mon Oct 26, 2015 8:48 am

I am up 1.16%

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

Postby TheTimeLord » Sat Oct 31, 2015 9:24 am

Taxed Deferred Retirement accounts with no contributions up 4.61% in the month of October. No trick just treats. Happy Halloween indeed. :moneybag :moneybag :moneybag :moneybag
Run, You Clever Boy!

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

Postby bayview » Sun Nov 01, 2015 12:05 pm

2.99% for October
1.11% YTD

I've had some money out of the market (languishing in Prime Money Market) due to a small expected raid for the last of the remodeling expenses, so I missed a bit of the recovery, but nothing tragically huge. At least it's positive again. :beer
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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ruralavalon
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Re: What are you up YTD? [Year To Date]

Postby ruralavalon » Mon Nov 02, 2015 8:12 pm

50/50 asset allocation, retired, age 70.

Up 2.01% YTD per Morningstar portfolio manager.

Vanguard Small-Cap Value (VSIAX) is now out of the basement, up 0.61% :) .
"Everything should be as simple as it is, but not simpler." - Albert Einstein | | Wiki article link:Getting Started

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

Postby mister_sparkle » Mon Nov 02, 2015 9:25 pm

1.008% as of tonight.

Was negative for a while, so good to be back. :sharebeer

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

Postby duffer » Tue Nov 03, 2015 9:09 pm

up 3.4% YTD with 100% in equities.

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

Postby PeterSteele » Wed Nov 04, 2015 1:26 am

11% Thanks to my obsession with reallocating my 401k every other day... I pulled out at 18250 and went back in at 16000.

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

Postby avenger » Wed Nov 04, 2015 9:15 pm

PeterSteele wrote:11% Thanks to my obsession with reallocating my 401k every other day... I pulled out at 18250 and went back in at 16000.


Here we go again...
cheers ... -Mark | "Our life is frittered away with detail. Simplify. Simplify." -Henry David Thoreau | [Four fund portfolio + Stable Value fund]

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

Postby PeterSteele » Wed Nov 04, 2015 10:51 pm


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

Postby John Z » Thu Nov 05, 2015 9:10 am

Up 1.48% YTD as of yesterday. 50/50 modified coffeehouse.

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

Postby dreamxite » Sun Nov 22, 2015 9:31 pm

100% stocks

YTD 26%

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Taylor Larimore
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Phenomenal return.

Postby Taylor Larimore » Sun Nov 22, 2015 11:44 pm

YTD 26%

dreamxite:

Welcome to the Bogleheads Forum!

Warren Buffet's Berkshire Hathaway (BRK.B) is down YTD -9%.

With a record like yours, you could be a professional hedge fund manager and make millions.

Best wishes.
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle

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

Postby selftalk » Mon Nov 23, 2015 7:03 am

What happened to "Don`t Peek" ?

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

Postby TroyMcClure » Mon Nov 23, 2015 7:18 am

I'm not sure I get why so many people are happy about being back in the green, I understand for people who are retired, but I guess a few posting here aren't. Would you want a black Friday with price increases of 10% to 30%? No, so why do you wish it for stock prices?
My portfolio was crazy high at the beginning of the year, I was glad it dipped the way it did in August and September. I made a little dance to encourage it to go further down, unfortunately it's gone up sharply again... Maybe that was the wrong dance.
Now I'm back to IRR +10.52% YTD including my ESPP and +8.75% without.

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

Postby selftalk » Mon Nov 23, 2015 7:23 am

I just checked for the heck of it. 2.6 % up with VTI total return. For me it`s best not to watch much at all.

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

Postby zkzkzk » Mon Nov 23, 2015 8:27 am

Just peeked........I was down about 2% a few months ago, back positive to the tune of 3.1%. Kinda hoping for a drop around the first of the year so when I make my roth contributions for the 2016 I can buy low.

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BeBH65
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Re: What are you up YTD? [Year To Date]

Postby BeBH65 » Tue Nov 24, 2015 2:32 am

After my rebalancing last week:
Protection: +.97 ytd
Equity: +13.40 ytd
Total portfolio: 60/40: +8.6 ytd
Am I cheating as I count in my home currency, the Euro?
EURUSD: -12.04 ytd
BeBH65. (only an investment enthusiast, not a financial adviser, perform your due diligence).

dreamxite
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Re: Phenomenal return.

Postby dreamxite » Tue Nov 24, 2015 2:59 am

Taylor Larimore wrote:
YTD 26%

dreamxite:

Welcome to the Bogleheads Forum!

Warren Buffet's Berkshire Hathaway (BRK.B) is down YTD -9%.

With a record like yours, you could be a professional hedge fund manager and make millions.

Best wishes.
Taylor


Thanks for the compliment Taylor. I am not operating in US, my own country benchmark is down 4.60% YTD. I am only operating at 30K capital. Starting balance at $17,130, ending $30,729.40, additions $9,172, withdrawal $1,289.80.

You can google Allan Mecham from Arlington Value Management, people called him the 400% man because of his 400% accumulated return over 12 years stretch since year 2000. I think he is way closer to be the next Buffett than me. I am just a peanut.

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

Postby columbia » Tue Nov 24, 2015 5:45 am

VASGX: 0.74%
VBTLX: 1.03%

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

Postby bayview » Thu Dec 03, 2015 6:30 am

Trailing portfolio returns (time-weighted returns, comparable returns)
Portfolio returns as of 11/30/2015:
1 month 0.07%
3 months 1.69%
6 months -1.49%
YTD 1.19%
1 year 2.70%

Target 50/50, although the bonds crept up and I haven't rebalanced yet. 80/20 US/exUS stocks. 100% Treasuries, mostly G fund.

Trudging slowly back uphill. :D
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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oldzey
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Re: What are you up YTD? [Year To Date]

Postby oldzey » Thu Dec 03, 2015 10:58 am

Personal Rate of Return (PRR) 1/1/2015 - 11/30/2015: 5.5%
"The broker said the stock was 'poised to move.' Silly me, I thought he meant up." ― Randy Thurman

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

Postby foreverihope » Thu Dec 03, 2015 12:22 pm

so little to be able to take some gains in a tax wise way.

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

Postby dsmil » Thu Dec 03, 2015 3:52 pm

I'm basically at 0% YTD. My worst performer is the emerging markets fund which is down 13% and is 10% of my portfolio.

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

Postby statsman » Thu Dec 03, 2015 4:40 pm

I don't even want to know for us. All in bond funds and cash, but the days of seeing reasonably consistent gains from bond funds during stagnant stock markets appear to be long gone. The last three years have been abysmal.

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Taylor Larimore
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January Answer

Postby Taylor Larimore » Thu Dec 03, 2015 4:43 pm

What are you up YTD? [Year To Date]

InvestorNewb:

I'll look when I get my Vanguard statement in January.

Best wishes.
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle

longinvest
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Longinvest's Uniform Returns -- October 2015 edition

Postby longinvest » Thu Dec 03, 2015 5:26 pm

I forgot to post this last month.

Here are my personal portfolio returns* for October 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 10/31/2015
1 month 1.93%
3 months -3.10%
6 months -2.22%
YTD 2.87%
1 year 4.51%

I encourage Bogleheads to use the wiki:Calculating personal returns spreadsheet 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 incorrectly calculate their 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
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

longinvest
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Longinvest's Uniform Returns -- November 2015 edition

Postby longinvest » Thu Dec 03, 2015 5:29 pm

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%
YTD 3.11%
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. :annoyed
Last edited by longinvest on Thu Dec 24, 2015 4:41 pm, edited 2 times in total.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Postby ruralavalon » Fri Dec 04, 2015 9:39 am

50/50 asset allocation, retired, age 70.

Up 0.09 YTD (sigh) per Morningstar portfolio manager.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | | Wiki article link:Getting Started

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

Postby Christine_NM » Fri Dec 04, 2015 10:03 am

Funny, I almost posted with Wednesday's ytd until I realized I did not update spreadsheet to yesterday's tumble. Then I looked at the market and figured Wednesday prices would be closer to right for today. Never Mind.

I am almost back up to where I was in June but it doesn't matter as long as the pension checks arrive on time.
10% cash 45% stock 45% bond. Retired, w/d rate 1.5%

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

Postby JimmyD » Fri Dec 04, 2015 11:02 am

Dumb question - how do you guys calculate your YTD return if you have a bunch of accounts?

I have a 401K, Roth IRA, and 529 for my son. My wife has a 403B (with an external self-directed brokerage account) and a Roth IRA. We also have a joint taxable.

Between the above, there are five different companies holding our investments. Are you averaging and weighting across them? Are you really tracking each and every purchase manually?

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

Postby longinvest » Fri Dec 04, 2015 11:23 am

JimmyD wrote:Dumb question - how do you guys calculate your YTD return if you have a bunch of accounts?

I have a 401K, Roth IRA, and 529 for my son. My wife has a 403B (with an external self-directed brokerage account) and a Roth IRA. We also have a joint taxable.

Between the above, there are five different companies holding our investments. Are you averaging and weighting across them? Are you really tracking each and every purchase manually?

The wiki:Calculating personal returns spreadsheet handles multiple accounts.
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

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

Postby JimmyD » Fri Dec 04, 2015 11:44 am

longinvest wrote:
JimmyD wrote:Dumb question - how do you guys calculate your YTD return if you have a bunch of accounts?

I have a 401K, Roth IRA, and 529 for my son. My wife has a 403B (with an external self-directed brokerage account) and a Roth IRA. We also have a joint taxable.

Between the above, there are five different companies holding our investments. Are you averaging and weighting across them? Are you really tracking each and every purchase manually?

The wiki:Calculating personal returns spreadsheet handles multiple accounts.


Awesome! Thanks!

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

Postby wander » Fri Dec 04, 2015 11:51 am

I have a one page spreadsheet monitoring all my accounts with details shares of each ETF. The spreadsheet keeps track of daily price and update the total automatically.

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

Postby bayview » Sat Dec 05, 2015 1:47 pm

longinvest wrote:
JimmyD wrote:Dumb question - how do you guys calculate your YTD return if you have a bunch of accounts?

I have a 401K, Roth IRA, and 529 for my son. My wife has a 403B (with an external self-directed brokerage account) and a Roth IRA. We also have a joint taxable.

Between the above, there are five different companies holding our investments. Are you averaging and weighting across them? Are you really tracking each and every purchase manually?

The wiki:Calculating personal returns spreadsheet handles multiple accounts.

+1

I just named the page "combined" and threw everything on there.

I only run it once a month, using the balances as of the last day of the previous month, so adding all the contributions and any withdrawals (w/d's are very rare) takes maybe a couple of minutes, and then ping, it's done.

I find it consistent and easily understood.
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 Petrocelli » Sat Dec 05, 2015 2:04 pm

Vanguard portfolio is up 1.6% with about 34% bonds.
Petrocelli (not the real Rico, but just a fan)

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

Postby MnD » Sat Dec 05, 2015 2:07 pm

Right around 0%.
International negative and emerging markets sharply negative.
US stocks and fixed income up some.
Looking like 2nd year in a row with little or no gain.

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

Postby travellight » Sat Dec 05, 2015 7:21 pm

net worth is up 13.5% ytd, my portfolio is up 2.1%. Best performer was Vanguard primecap admiral which was 4.4% and worst was negative 7.8% with Vanguard Instl Ttl Stk Mkt Idx. This thread is a nice exercise to make me check these things.

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

Postby livesoft » Sat Dec 05, 2015 7:41 pm

JimmyD wrote:Dumb question - how do you guys calculate your YTD return if you have a bunch of accounts?

I have a 401K, Roth IRA, and 529 for my son. My wife has a 403B (with an external self-directed brokerage account) and a Roth IRA. We also have a joint taxable.

Between the above, there are five different companies holding our investments. Are you averaging and weighting across them? Are you really tracking each and every purchase manually?

I use MS Money which tracks all my assets. I can get XIRR() results for any time ranges, any accounts, any funds, any ETFs, any assett classes, and any thing that is in there.

My YTD return is better than Vanguard LifeStrategy Moderate Growth fund and DFA Global Allocation 60/40 I fund which are my two benchmarks.
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longinvest
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Re: What are you up YTD? [Year To Date]

Postby longinvest » Sat Dec 05, 2015 8:06 pm

livesoft wrote:I use MS Money which tracks all my assets. I can get XIRR() results for any time ranges, any accounts, any funds, any ETFs, any assett classes, and any thing that is in there.

My YTD return is better than Vanguard LifeStrategy Moderate Growth fund and DFA Global Allocation 60/40 I fund which are my two benchmarks.

Livesoft,

Are you comparing your internal (money-weighted, XIRR) rate of return to the time-weighted return of your benchmarks?
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

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

Postby livesoft » Sat Dec 05, 2015 8:08 pm

I can tell you later. I do know that for investments that have had no transactions, they match exactly the numbers reported by Vanguard for the same time periods. The MS Money program uses the XIRR() algorithm, so which one does it use?

I can say that my time period is 1/1/2015 to 12/31/2015 (current year) to get a true annualized YTD performance. For instance, if back at the end of June, I had used 1/1/2015 to 6/30/2015 instead of 1/1/2015 to 12/31/2015, then the performance number would have been double what I consider its true value for YTD.

Another amazing thing is how little income tax I pay on investment performance. OK, so this year it is not a big deal since the benchmark performances are close to zero return. I do think though that folks mostly do not consider the taxes they pay on their taxable account distributions since the taxes are generally not removed from those distributions, but are paid in some other way such as with paycheck withholding. To some extent one can consider those taxes not paid out of the investement as a stealth contribution to the investment.
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Re: What are you up YTD? [Year To Date]

Postby longinvest » Sat Dec 05, 2015 8:25 pm

If MS-Money uses XIRR, it reports your internal rate of return. This would make sense, as from the investor's perspective, it's the internal rate of return that counts. A higher internal rate of return translates into more money into your account.

But, an internal rate of return can be impacted by contributions and withdrawals, more so when they are proportionally significant relative to portfolio size. So, for bigger portfolios with small cash flows, the difference between the internal rate of return and the time-weighted return of the portfolio can be small. As you noticed, in absence of contributions and withdrawals, both rates of returns are identical.

There are two proper approaches to compare one's return to a benchmark.

The easiest one, which I recommend, it to simply calculate the time-weighted return of one's portfolio and then compare it to published benchmark time-weighted returns found on fund web sites. This can be easily done using the wiki's spreadsheet I linked to.

The second approach consists of replicating contributions and withdrawals on a hypothetical portfolio composed of the benchmark, using historical bemchmark data, and then calculate the internal (XIRR) rate of return of this hypothetical portfolio. This internal rate can be compared with one's internal return.

.
Last edited by longinvest on Sat Dec 05, 2015 10:13 pm, edited 1 time in total.
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livesoft
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Re: What are you up YTD? [Year To Date]

Postby livesoft » Sat Dec 05, 2015 8:34 pm

Very interesting. The net contributions and withdrawals from this portfolio is close to zero this year. My spouse has 401(k) contributions, but my son has college expenses and I eat a lot of sushi and chocolate. Maybe I'll go get that net number tomorrow.
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Re: What are you up YTD? [Year To Date]

Postby chabil » Sat Dec 05, 2015 8:49 pm

asset allocation 60:40 equity:bond funds. retired. one year return 2.9%

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

Postby longinvest » Sat Dec 05, 2015 9:10 pm

livesoft wrote:I do think though that folks mostly do not consider the taxes they pay on their taxable account distributions since the taxes are generally not removed from those distributions, but are paid in some other way such as with paycheck withholding. To some extent one can consider those taxes not paid out of the investement as a stealth contribution to the investment.

You're right. But, given the big hassle it would be to isolate the amount of taxes I pay on taxable investments, as I'm in the contribution phase and the bulk of my taxes are due to employment income minus various deductions, I usually ignore the matter of after-tax returns, except for systematically using all available tax-advantaged contribution space. (Even in retirement, I only plan to consider before-tax returns, as my plan is based on before-tax withdrawals.)

But, I can easily agree with you that what counts, in the end, is personal-inflation-adjusted after-tax returns. They're just a pain to calculate. :wink:
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Taylor Larimore
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Joined: Tue Feb 27, 2007 8:09 pm
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Re: What are you up YTD? [Year To Date]

Postby Taylor Larimore » Sat Dec 05, 2015 9:13 pm

travellight wrote:net worth is up 13.5% ytd, my portfolio is up 2.1%. Best performer was Vanguard primecap admiral which was 4.4% and worst was negative 7.8% with Vanguard Instl Ttl Stk Mkt Idx. This thread is a nice exercise to make me check these things.

Travellight:

Check again. According to Morningstar, Vanguard Institutional Plus Total Market Index Fund (VSMPX) is up +2.75% ytd.

http://www.morningstar.com/funds/XNAS/VSMPX/quote.html

Best wishes
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle


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