What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
User avatar
oldzey
Posts: 696
Joined: Sun Apr 13, 2014 8:38 pm
Location: Land of Lincoln

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

Post by oldzey » Fri Jan 08, 2016 11:06 pm

Down about 5% this first week of 2016.
"The broker said the stock was 'poised to move.' Silly me, I thought he meant up." ― Randy Thurman

GoldenFinch
Posts: 1298
Joined: Mon Nov 10, 2014 11:34 pm

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

Post by GoldenFinch » Fri Jan 08, 2016 11:23 pm

Yep, down 5.2% week-to-date.

longinvest
Posts: 2447
Joined: Sat Aug 11, 2012 8:44 am

Longinvest's Uniform Returns -- January 2016 edition

Post by longinvest » Sun Jan 31, 2016 11:09 am

It's that time of the month, again! :happy

Here are my personal portfolio returns* for January 2016.

My portfolio has a 50/50 (stocks/bond) target asset allocation using Taylor Larimore's fantastic Three Fund Portfolio:
  • 25% in total-market domestic stock index ETF (VCN)
  • 25% in total-market international stock index ETF (VXC)
  • 50% in total-market bond index ETF (VAB)
The actual weightings in my portfolio may differ slightly from target due to various factors such as its rebalancing policy.

Trailing portfolio returns (time-weighted returns, comparable returns)

Portfolio return as of 1/31/2016
1 month -1.15%
3 months -0.69%
6 months -3.77%
YTD -1.15%
1 year -2.25%

Here is a Growth of $10,000 chart starting on July 31, 2014, just after I switched to a three-fund portfolio (as Vanguard launched VXC in July 2014):

Image

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
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

bayview
Posts: 1266
Joined: Thu Aug 02, 2012 7:05 pm
Location: WNC

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

Post by bayview » Sun Jan 31, 2016 12:30 pm

Current AA, which has changed a lot as we have started to implement separate LMP/RP allocations:

RP:
55% US
13% international
32% Treasuries

LMP:
95% G fund
5% C fund

The portfolio results are for the combined portfolios:

Trailing portfolio return (time-weighted return, comparable return)
Portfolio return as of 1/31/16
1 month -2.05%
3 months -2.90%
6 months -4.47%
YTD -2.05%
1 year -1.29%
3 years*
5 years*
10 years*
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

User avatar
ruralavalon
Posts: 11076
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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

Post by ruralavalon » Thu Feb 18, 2016 8:14 pm

50/50 asset allocation, retired, age 70.

Down 2.87% YTD per Morningstar portfolio manager.

I love our intermediate-term bond funds :), Vanguard Intermediate-term Bond Index and Vanguard Intermediate-term Investment-grade.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

bayview
Posts: 1266
Joined: Thu Aug 02, 2012 7:05 pm
Location: WNC

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

Post by bayview » Tue Mar 01, 2016 6:38 am

through February:

Trailing portfolio return (time-weighted return, comparable return)

Portfolio return as of 2/29/16
1 month 0.47%
3 months -2.51%
6 months -0.86%
YTD -1.59%
1 year -3.11%
3 years* 5.20%
5 years*
10 years*

Nice to see a month in the black, however small.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

User avatar
jfn111
Posts: 769
Joined: Fri Nov 08, 2013 10:42 pm
Location: Minnesota

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

Post by jfn111 » Tue Mar 01, 2016 7:07 am

No contributions or withdrawals so clean numbers.
YTD -0.8%

rik
Posts: 1
Joined: Tue Mar 01, 2016 8:48 am

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

Post by rik » Tue Mar 01, 2016 8:56 am

Hello

My little turtle is down 0.11% YTD

http://openhedgefund.com/fund_detail?fundid=523

Year Fund Benchmark +/- Benchmark
2016 -0.11% -5.16% 5.05%
2015 0.23% 1.23% -1.01%
2014 8.27% 13.46% -5.2%
2013 5.01% 32.31% -27.3%
2012 7.89% 15.99% -8.1%
2011 7.69% 1.89% 5.8%

longinvest
Posts: 2447
Joined: Sat Aug 11, 2012 8:44 am

Longinvest's Uniform Returns -- February 2016 edition

Post by longinvest » Tue Mar 01, 2016 9:46 am

Here are my personal portfolio returns* for February 2016.

My portfolio has a 50/50 (stocks/bond) target asset allocation using Taylor Larimore's fantastic Three Fund Portfolio:
  • 25% in total-market domestic stock index ETF (VCN)
  • 25% in total-market international stock index ETF (VXC)
  • 50% in total-market bond index ETF (VAB)


Trailing portfolio returns (time-weighted returns, comparable returns)

Portfolio return as of 2/29/2016
1 month -0.78%
3 months -1.69%
6 months -1.45%
YTD -1.92%
1 year -5.04%

Past returns are not indicative of future returns.

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
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

Sconie
Posts: 518
Joined: Sun Feb 07, 2010 10:23 am
Location: Arizona

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

Post by Sconie » Tue Mar 01, 2016 10:00 am

YTD, down 4.0%.
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......

JTJjr
Posts: 125
Joined: Sun Sep 30, 2007 9:14 am
Location: Orange, France

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

Post by JTJjr » Tue Mar 01, 2016 12:06 pm

Equity 37%, Bonds 63%, Retired. Age 70

YTD: -1.88
Aimlessly wandering to discover where I am.

User avatar
Sheepdog
Posts: 4703
Joined: Tue Feb 27, 2007 3:05 pm
Location: Indiana, retired 1998 at age 65

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

Post by Sheepdog » Tue Mar 01, 2016 12:14 pm

YTD +0.37%
Last 12 Months +0.96%
People should not say everything they think. They should think about everything they say.

michaelsieg
Posts: 527
Joined: Mon Jan 07, 2013 11:02 am

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

Post by michaelsieg » Tue Mar 01, 2016 2:23 pm

YTD as of 2/29/2016: -1.58% (using longinvest's spreadsheet). Have not had the time to upgrade it to the newest version.

longinvest
Posts: 2447
Joined: Sat Aug 11, 2012 8:44 am

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

Post by longinvest » Tue Mar 01, 2016 2:34 pm

michaelsieg wrote:Have not had the time to upgrade it to the newest version.

Neither did I, as revealed by the two-decimal numbers of my previous post. :!:
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

Dan999
Posts: 303
Joined: Mon May 24, 2010 1:23 pm

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

Post by Dan999 » Tue Mar 01, 2016 2:56 pm

ytd minus 0.93% vs my index Wellsley fund of +.024%

Mordko
Posts: 15
Joined: Fri Feb 19, 2016 7:05 am

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

Post by Mordko » Sun Mar 06, 2016 2:59 pm

YTD: -9.26% (time weighted)
February: - 2.81% (time weighted)
3 month: - 8.28% (time weighted)
Since 2002: 7.00% (money weighted, annual compound return).

User avatar
market timer
Posts: 5785
Joined: Tue Aug 21, 2007 1:42 am

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

Post by market timer » Sun Mar 06, 2016 8:37 pm

+3.0% YTD

Had a rocky start to the year, but the past week was a big turnaround.

itstoomuch
Posts: 4434
Joined: Mon Dec 15, 2014 12:17 pm
Location: midValley OR

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

Post by itstoomuch » Sun Mar 06, 2016 8:47 pm

Discretionary accounts are now heavy in cash holdings. Up about 1%, and a third of that is from divs.
Rev90517; 4 Incm stream buckets: SS+pension; dfr'd GLWB VA & FI anntys, by time & $$ laddered; Discretionary; Rentals. LTCi. Own, not asset. Tax 25%. Early SS. FundRatio (FR) >1.1 67/70yo

User avatar
Taylor Larimore
Advisory Board
Posts: 25855
Joined: Tue Feb 27, 2007 8:09 pm
Location: Miami FL

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

Post by Taylor Larimore » Sun Mar 06, 2016 9:00 pm

What are you up YTD? [Year To Date]

I don't know my YTD return (before or after tax) and I'm too busy to keep track of something I see no need to know. I do check our balance at year end.

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

User avatar
boglesmymind
Posts: 35
Joined: Sat Jan 09, 2010 9:10 pm

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

Post by boglesmymind » Mon Mar 07, 2016 8:52 pm

AA = Stocks 42%
Bonds 58%

YTD + 1.48%

Nowizard
Posts: 1157
Joined: Tue Oct 23, 2007 5:33 pm

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

Post by Nowizard » Mon Mar 07, 2016 10:44 pm

Negative .23 as of today.

Tim

User avatar
siamond
Posts: 3290
Joined: Mon May 28, 2012 5:50 am

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

Post by siamond » Fri Mar 18, 2016 1:53 pm

COOL! I am *finally* back in the black... (says the guy with a high exposure to international stocks!).

To infinity and beyond! ;-)

bayview
Posts: 1266
Joined: Thu Aug 02, 2012 7:05 pm
Location: WNC

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

Post by bayview » Fri Mar 18, 2016 4:46 pm

I'm not going to run the numbers until the end of the month, because it seems to upset the spreadsheet, but I'm crossing my fingers that the recent performance holds until then.

Yes, I know that markets go up and down, and yes, we're in it for the long run, and so, yes, it doesn't really matter, but I wouldn't mind having a YTD return without a minus sign in front. Hey, I'm human. :D
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

daave
Posts: 179
Joined: Thu Nov 07, 2013 7:28 pm

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

Post by daave » Fri Mar 18, 2016 5:00 pm

Back in the black, up 0.71% YTD as of yesterday's close.

Results heavily influenced by timing of 401(k) contributions early in the year.

80/20 stock/bond, 60/40 US/Intl.

User avatar
ruralavalon
Posts: 11076
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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

Post by ruralavalon » Fri Mar 18, 2016 7:07 pm

Retired, age 70, asset allocation 50/50.

Up 1.85% per Morningstar's portfolio manager.

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

bayview
Posts: 1266
Joined: Thu Aug 02, 2012 7:05 pm
Location: WNC

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

Post by bayview » Fri Apr 01, 2016 5:52 am

bayview wrote:through February:

Trailing portfolio return (time-weighted return, comparable return)

Portfolio return as of 2/29/16
1 month 0.47%
3 months -2.51%
6 months -0.86%
YTD -1.59%
1 year -3.11%
3 years* 5.20%
5 years*
10 years*

Nice to see a month in the black, however small.

Portfolio is just about back where it was last summer (this morning, anyway.) :D And my sad little growth of $10k chart doesn't look so much like a pitiful dead snake in the road.

Trailing portfolio return (time-weighted return, comparable return)

Portfolio return as of 3/31/16
1 month 2.73%
3 months 1.09%
6 months 3.22%
YTD 1.09%
1 year -0.31%
3 years* 3.64%
5 years*
10 years*
* Annual compound return

Remarkable month. Nice change in balances, without any changes in AA.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

User avatar
jfn111
Posts: 769
Joined: Fri Nov 08, 2013 10:42 pm
Location: Minnesota

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

Post by jfn111 » Fri Apr 01, 2016 6:53 am

According to Fidelity Full View-
up 1.6% YTD
50/50 portfolio with 12% in MO

Mordko
Posts: 15
Joined: Fri Feb 19, 2016 7:05 am

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

Post by Mordko » Fri Apr 01, 2016 7:39 am

Image

Return for the year so far is at -5.3%. Half of my holdings are in British Pounds, which dropped 10% vs CAD. A third is in USD, which dropped 5%. When counted in the "native" currency the holdings' value has increased for the year.

Recent money-weighted return is ever so slightly better than time-weighted return, which shows that I have been lucky with the timing.

User avatar
Sheepdog
Posts: 4703
Joined: Tue Feb 27, 2007 3:05 pm
Location: Indiana, retired 1998 at age 65

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

Post by Sheepdog » Fri Apr 01, 2016 7:51 am

As of midnight, 3/31/16 my 23% stock allocation return is 2.80%.
People should not say everything they think. They should think about everything they say.

livesoft
Posts: 55879
Joined: Thu Mar 01, 2007 8:00 pm

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

Post by livesoft » Fri Apr 01, 2016 7:53 am

Sheepdog wrote:As of midnight, 3/31/16 my 23% stock allocation return is 2.80%.

Are you saying that Vanguard had already updated your month-end dividends for your bond funds by midnight? Simply amazing (if true)!
This signature message sponsored by sscritic: Learn to fish.

User avatar
Sheepdog
Posts: 4703
Joined: Tue Feb 27, 2007 3:05 pm
Location: Indiana, retired 1998 at age 65

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

Post by Sheepdog » Fri Apr 01, 2016 8:03 am

livesoft wrote:
Sheepdog wrote:As of midnight, 3/31/16 my 23% stock allocation return is 2.80%.

Are you saying that Vanguard had already updated your month-end dividends for your bond funds by midnight? Simply amazing (if true)!

Vanguard had all month ending fund interest and dividends reported before 6am this morning. My Microsoft Money does the return calculation after downloading that.
People should not say everything they think. They should think about everything they say.

mickroark
Posts: 88
Joined: Wed Jan 13, 2016 10:35 am

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

Post by mickroark » Fri Apr 01, 2016 8:29 am

up 2.83% ytd

35% stocks
50% bonds
10% gold
5% alternatives
Last edited by mickroark on Fri Apr 01, 2016 9:23 am, edited 1 time in total.

dsmil
Posts: 501
Joined: Tue Sep 08, 2009 10:51 am

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

Post by dsmil » Fri Apr 01, 2016 9:21 am

Up 3.97% as of 3/31, mostly due to making my annual Roth contributions literally on the exact right day of February 11th.

44% Total US
17% Developed Int'l
10% Emerging Markets
9% Small Cap Value
10% REIT
10% Bonds

User avatar
triceratop
Moderator
Posts: 3277
Joined: Tue Aug 04, 2015 8:20 pm
Location: la la land

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

Post by triceratop » Fri Apr 01, 2016 9:36 am

100% equities, SCV domestic tilt: YTD +0.48%. It was a bumpy ride since I started developing international diversification right before the big crash.
"To play the stock market is to play musical chairs under the chord progression of a bid-ask spread."

User avatar
ruralavalon
Posts: 11076
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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

Post by ruralavalon » Fri Apr 01, 2016 10:27 am

Retired, age 70, asset allocation 50/50.

Up 2.66% per Morningstar's portfolio manager.

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

QuietProsperity
Posts: 325
Joined: Mon May 11, 2015 2:53 pm
Contact:

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

Post by QuietProsperity » Fri Apr 01, 2016 10:38 am

4.39% through 3/31.

60 S (60 US / 40 Intnl.) includes REITS / 40 B

Best Fund YTD: DGS (+9.85%)
Worst Fund YTD: VEA (-0.63%)

User avatar
Toons
Posts: 11786
Joined: Fri Nov 21, 2008 10:20 am
Location: Hills of Tennessee

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

Post by Toons » Fri Apr 01, 2016 10:52 am

I still don't know.Don't track the number.
I spend money.
When I do quicken securities price updates,
The net worth keeps growing.
That was the plan when I started investing for the golden years.
:happy
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee

longinvest
Posts: 2447
Joined: Sat Aug 11, 2012 8:44 am

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

Post by longinvest » Fri Apr 01, 2016 11:07 am

What a contrast with the end of January, when almost nobody was reporting his returns. I wonder why? :oops:

I'm sure that many are reporting annualized (!!!) money-weighted returns for a 3-month period (XIRR), instead of cumulative time-weighted returns for such a short time period.

I thought that by providing an easy-to-use spreadsheet, people would start learning about the proper way to measure and report returns. I have obviously failed.

Past returns are mostly useless. They don't tell us anything about future returns. The only number that really matters is our portfolio balance, which mostly depends on past contributions, and only partly depends on past returns.

I'm done participating to this thread. I don't want to encourage people to continue to reporting incoherent returns, only when they are positive and with no indication whatsoever about how they were calculated.

:beer
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

User avatar
ruralavalon
Posts: 11076
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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

Post by ruralavalon » Fri Apr 01, 2016 11:25 am

Yes, YTD return is "mostly useless" and doesn't predict future returns.

But the point of the thread has been to illustrate the relation of asset allocation and return. That is useful in my opinion.For example, right now bond heavy portfolios are doing better than stock heavy portfolios.

InvestorNewb wrote:Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%


And for retirees it's useful to know that portfolio gains are exceeding withdrawals.

And I do believe that longinvest has succeeded in teaching some posters how to.calculate portfolio returns :) .
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

Mordko
Posts: 15
Joined: Fri Feb 19, 2016 7:05 am

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

Post by Mordko » Fri Apr 01, 2016 12:08 pm

longinvest wrote:What a contrast with the end of January, when almost nobody was reporting his returns. I wonder why? :oops:

I'm sure that many are reporting annualized (!!!) money-weighted returns for a 3-month period (XIRR), instead of cumulative time-weighted returns for such a short time period.

I thought that by providing an easy-to-use spreadsheet, people would start learning about the proper way to measure and report returns. I have obviously failed.

Past returns are mostly useless. They don't tell us anything about future returns. The only number that really matters is our portfolio balance, which mostly depends on past contributions, and only partly depends on past returns.

I'm done participating to this thread. I don't want to encourage people to continue to reporting incoherent returns, only when they are positive and with no indication whatsoever about how they were calculated.

:beer


Come on man! I have used your magic spreadsheet AND reported negative results. I've been good!

jay22
Posts: 699
Joined: Thu Aug 23, 2012 8:56 am
Location: Sacramento, CA

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

Post by jay22 » Fri Apr 01, 2016 12:13 pm

As of today, down 0.9% YTD.

bayview
Posts: 1266
Joined: Thu Aug 02, 2012 7:05 pm
Location: WNC

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

Post by bayview » Sat Apr 02, 2016 11:05 am

ruralavalon wrote:Yes, YTD return is "mostly useless" and doesn't predict future returns.

But the point of the thread has been to illustrate the relation of asset allocation and return. That is useful in my opinion.For example, right now bond heavy portfolios are doing better than stock heavy portfolios.

InvestorNewb wrote:Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%


And for retirees it's useful to know that portfolio gains are exceeding withdrawals.

And I do believe that longinvest has succeeded in teaching some posters how to calculate portfolio returns :) .

That would be me! :D

I have found it to be very valuable, both for what I believe to be the quality and the consistence of the process. I know that I'll continue to see all sorts of off-the-wall returns posted on one thread or another, but as long as the spreadsheet hangs in there, I will continue to use it. I trust the results far more than what gets posted on my TSP and Vanguard accounts.

It is true that the "YTD" aspect of the OP has drifted, as is understandable as we are in a different year.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

longinvest
Posts: 2447
Joined: Sat Aug 11, 2012 8:44 am

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

Post by longinvest » Sat Apr 02, 2016 2:39 pm

OK. There might be some value to having an active thread exposing new members to the proper approach to calculate personal returns.

I am considering to start a series of "Bogleheads Uniform Returns -- Month 201X" monthly threads, for those who like to report their returns, but with clearly laid out posting rules, as to avoid the useless incoherent reporting we find in this thread. Hopefully, with these clearly laid out rules, peer pressure might help keep the reporting relatively uniform.

What do you think?
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

livesoft
Posts: 55879
Joined: Thu Mar 01, 2007 8:00 pm

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

Post by livesoft » Sat Apr 02, 2016 2:46 pm

Sisyphus had an easier task in the end.
This signature message sponsored by sscritic: Learn to fish.

User avatar
LadyGeek
Site Admin
Posts: 39849
Joined: Sat Dec 20, 2008 5:34 pm
Location: Philadelphia
Contact:

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

Post by LadyGeek » Sat Apr 02, 2016 3:49 pm

longinvest wrote:OK. There might be some value to having an active thread exposing new members to the proper approach to calculate personal returns.

I would agree.

longinvest wrote:I am considering to start a series of "Bogleheads Uniform Returns -- Month 201X" monthly threads, for those who like to report their returns, but with clearly laid out posting rules, as to avoid the useless incoherent reporting we find in this thread. Hopefully, with these clearly laid out rules, peer pressure might help keep the reporting relatively uniform.

What do you think?

I'm not sure on the value of aggregating an Avogadro’s number of portfolios. What is the benefit to the reader?

When the numbers have been crunched, I'm betting the performance will be strikingly close to a Lazy portfolio.

It might be better to take a representative number of existing portfolios and track performance, which is already done here: Madsinger monthly reports
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

longinvest
Posts: 2447
Joined: Sat Aug 11, 2012 8:44 am

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

Post by longinvest » Sat Apr 02, 2016 5:25 pm

LadyGeek,

LadyGeek wrote:I'm not sure on the value of aggregating an Avogadro’s number of portfolios. What is the benefit to the reader?


You had me learn about that number. :wink:

Without such a thread, this thread (or new ones inquiring about personal returns) will keep popping out, much like threads inquiring about the current asset allocation (AA) of Bogleheads keep popping out.

The proposed thread (or series of threads) could serve both purposes of reporting about (1) returns and about (2) asset allocation, for those who like to report about them*.

* The thread (or series of threads) would require reporting both, as returns without accompanying AA are meaningless.

Readers would benefit from learning about how to properly calculate uniform returns using the wiki's spreadsheet. They could also note how the returns of various Bogleheads members match their benchmarks, possibly with a small tracking error due to rebalancing policy and other real-life concerns.

Members who meticulously report their returns, every month, would benefit from being forced to remain true to their AA (fixed or sliding), as not to break their returns series*.

* This has helped me stay the course and avoid adding more assets to my simple Three-Fund portfolio. It is always tempting to tinker with my already awesome good-enough portfolio and easy to forget that there is no foreseeable benefit to it.


But, for all this to work, we can't continue with free-form arbitrary return reporting, as can be seen on this thread. We need clear posting guidelines to get uniform returns along with appropriately disclosed portfolio composition (AA). How did Livesoft call that? A Sisyphean task*; right.

* He had me learn about a bit of Greek Mythology, today.
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

User avatar
LadyGeek
Site Admin
Posts: 39849
Joined: Sat Dec 20, 2008 5:34 pm
Location: Philadelphia
Contact:

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

Post by LadyGeek » Sat Apr 02, 2016 6:38 pm

longinvest wrote:Without such a thread, this thread (or new ones inquiring about personal returns) will keep popping out, much like threads inquiring about the current asset allocation (AA) of Bogleheads keep popping out.

The proposed thread (or series of threads) could serve both purposes of reporting about (1) returns and about (2) asset allocation, for those who like to report about them*.

* The thread (or series of threads) would require reporting both, as returns without accompanying AA are meaningless.

I only answered because you asked. :) Do whatever you feel is needed, or just "go for it".

Background info: longinvest is the developer of Calculating personal returns. The on-going support thread is here: A Returns Spreadsheet for Bogleheads
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

Jaxfann
Posts: 65
Joined: Wed Jul 17, 2013 9:22 pm

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

Post by Jaxfann » Sat Apr 02, 2016 7:38 pm

longinvest wrote:OK. There might be some value to having an active thread exposing new members to the proper approach to calculate personal returns.

I am considering to start a series of "Bogleheads Uniform Returns -- Month 201X" monthly threads, for those who like to report their returns, but with clearly laid out posting rules, as to avoid the useless incoherent reporting we find in this thread. Hopefully, with these clearly laid out rules, peer pressure might help keep the reporting relatively uniform.

What do you think?

Good idea!

Bacchus01
Posts: 1009
Joined: Mon Dec 24, 2012 9:35 pm

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

Post by Bacchus01 » Sat Apr 02, 2016 8:02 pm

7%

But half is beards town ladies

I don't look at returns, per se. I look at net worth growth.

Up 7%

User avatar
JaneyLH
Posts: 308
Joined: Wed Oct 16, 2013 7:16 pm

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

Post by JaneyLH » Sat Apr 02, 2016 8:41 pm

longinvest wrote:I thought that by providing an easy-to-use spreadsheet, people would start learning about the proper way to measure and report returns. I have obviously failed.

I'm done participating to this thread. I don't want to encourage people to continue to reporting incoherent returns, only when they are positive and with no indication whatsoever about how they were calculated.

:beer

Fear not, your work has not been in vain! I started looking for tools to do this very thing today and you answered my post, pointing me to your speadsheet. I downloaded it and put in the data for this year. I'm not concerned with individual accounts, just the overall investment portfolio so I put it all into an account called "Vanguard". I have a stock/bonds ratio of 58/42 right now and the Bogleheads spreadsheet tells me my portfolio return year to date is 2.4%. Sound OK?

Thank you for your hard work, I appreciate having such a simple to use tool available and I plan to use it. I'll not make investment decisions based on this data, but it will help me understand the impact of my AA in good times and bad!

Post Reply