What are you up YTD? [Year To Date]

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

Post by longinvest » Sat Apr 02, 2016 9:12 pm

JaneyLH wrote: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?

That's an excellent question! This is definitely something missing from the spreadsheet. When reporting my December returns, I had to calculate the whole benchmark return by hand to see if my annual return "sounded OK" (see: viewtopic.php?f=10&t=145610&start=700#p2740045).

Wouldn't it be nice if the spreadsheet was able to automatically calculate a benchmark return, out of an asset allocation? I think so. I'm adding that the my TODO list. (One would have to provide monthly data for the three components of a three-fund portfolio: US market, International markets, total bonds).
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livesoft
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Re: What are you up YTD? [Year To Date]

Post by livesoft » Sat Apr 02, 2016 9:14 pm

2.4% sounds OK because several 60/40 funds are around that number YTD. Devil is in the details so change of plus-or-minus 0.5% seems typical to me.
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Cramerica
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Re: What are you up YTD? [Year To Date]

Post by Cramerica » Sun Apr 03, 2016 10:50 am

Up 7.2% YTD.

100% stocks.

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

Post by ruralavalon » Sun Apr 03, 2016 3:17 pm

Bacchus01 wrote:7%

But half is beards town ladies

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

Up 7%

Since we are striving for accuracy and uniformity -- that should be Beardstown Ladies named for an investing club in Beardstown, a little town on the Illinois River in Central Illinois.
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crg11
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Re: What are you up YTD? [Year To Date]

Post by crg11 » Sun Apr 03, 2016 5:00 pm

80/20 split

INVESTOR RETURN (money-weighted return, internal rate of return)

from 12/31/2013 to 03/31/2016
Investor Return* 3.29%
* Annual compound return.

Portfolio return as of 03/31/2016
1 month 6.12%
3 months 0.97%
YTD 0.97%
1 year -0.94%
3 years* -
5 years* -
10 years* -
* Annual compound return.
Last edited by crg11 on Sun Apr 03, 2016 6:23 pm, edited 1 time in total.

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

Post by rokidtoo » Sun Apr 03, 2016 6:14 pm

YTD: 2.24% on a 60/40 stock/bond portfolio with 20% rebalancing bands.

My best YTD 2016 funds are long term bonds (VUSTX) at 8.56% and REITS (VGSLX) at 6.10%.

However, VUSTX wasn't so good to me last year at -1.54%.

My worst performing fund YTD is Total International Stocks (VTIAX) at -1.13%. It also stunk in 2014 and 2013. :)

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

Post by bayview » Sun Apr 03, 2016 7:35 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

From your other thread ("A Returns Spreadsheet for Bogleheads") --my bolding:
longinvest wrote:...Past total returns are not of much use. They are not indicative of future returns. I like calculating them, because my broker does not report them to me. They allow me to verify that my overall portfolio (across multiple accounts) is effectively tracking its index. While I intellectually know that this should be the case, because I have a well defined asset allocation and a portfolio composed of index ETFs, it is reassuring to get an independent confirmation that my portfolio returns are as they should be.

You said this much better than I tried to up-thread. We have a portfolio that needs to grow over the long run, and so it's reassuring to track it and confirm that I haven't made a total hash of things. :D I hope you keep a thread going, in whatever format.
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Re: What are you up YTD? [Year To Date]

Post by Bacchus01 » Mon Apr 04, 2016 1:35 pm

ruralavalon wrote:
Bacchus01 wrote:7%

But half is beards town ladies

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

Up 7%

Since we are striving for accuracy and uniformity -- that should be Beardstown Ladies named for an investing club in Beardstown, a little town on the Illinois River in Central Illinois.

Ha. Spellcheck on my phone autocorrected that.

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

Post by ruralavalon » Wed Apr 06, 2016 4:42 pm

Bacchus01 wrote:
ruralavalon wrote:
Bacchus01 wrote:7%

But half is beards town ladies

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

Up 7%

Since we are striving for accuracy and uniformity -- that should be Beardstown Ladies named for an investing club in Beardstown, a little town on the Illinois River in Central Illinois.

Ha. Spellcheck on my phone autocorrected that.

I hated the auto-correct on my phone, I always wanted to find a way to disable it.
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Re: What are you up YTD? [Year To Date]

Post by sharpjm » Thu Apr 07, 2016 12:46 am

Up 0.75% YTD. 64stock/21bond/15 TREA
Moved a lot of fun money around today to lock in a small gain in UAL (~5% outperform of VTI over 3-4months). Fun money = 5% of portfolio.

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

Post by ruralavalon » Mon Apr 18, 2016 7:18 pm

Bump, I hate to see this old thread drop out of sight.

Retired, age 70, asset allocation 50/50.

Up 3.85% per Morningstar's portfolio manager.

Best fund so far is Vanguard REIT Index Fund.
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Cramerica
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Re: What are you up YTD? [Year To Date]

Post by Cramerica » Mon Apr 18, 2016 7:24 pm

Update:

Up 11.22% YTD.

100% stocks but might start adding bonds.

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

Post by ruralavalon » Mon Apr 18, 2016 8:52 pm

Cramerica wrote:Update:

Up 11.22% YTD.

100% stocks but might start adding bonds.

And what stock fund(s) are you using to get 11.22% year to date?
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Re: What are you up YTD? [Year To Date]

Post by RNJ » Tue Apr 19, 2016 8:59 pm

65% stocks.

Up roughly 5.5% ytd.

EDIT: I've been leaning into Internationl and EM, now 52% of equities - up from 50%
Last edited by RNJ on Wed Apr 20, 2016 10:25 am, edited 1 time in total.

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

Post by snarlyjack » Tue Apr 19, 2016 9:51 pm

From 1-1-2016 to 4-19-2016

High dividend yield index (VHDYX)
100% stocks
According to Vanguard list of funds 5.95% year to date.
Last edited by snarlyjack on Wed Apr 20, 2016 10:38 pm, edited 1 time in total.

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

Post by IlliniDave » Wed Apr 20, 2016 6:00 am

This is ballpark, using a computation by fidelity and an estimate based on the data Vanguard supplies (dunno why they can't do a better job of computing a person's performance). I'm up 3.2% for the year, which feels like a miracle after the last couple years. Some of my play money bets inside my little Roth, specifically VGENX and VGPMX, have given a boost. I'm about 78% stock and 22% bonds last time I added things up.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon » Wed Apr 20, 2016 11:24 am

IlliniDave wrote:This is ballpark, using a computation by fidelity and an estimate based on the data Vanguard supplies (dunno why they can't do a better job of computing a person's performance). I'm up 3.2% for the year, which feels like a miracle after the last couple years. Some of my play money bets inside my little Roth, specifically VGENX and VGPMX, have given a boost. I'm about 78% stock and 22% bonds last time I added things up.

A quick, easy, fairly accurate method to determine growth year to date --
1) portfolio balance as of 12/31 last year, plus withdrawals, minus contributions,
2) divide by current portfolio balance, and
3) subtract 1.
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Fieldsy1024
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Re: What are you up YTD? [Year To Date]

Post by Fieldsy1024 » Wed Apr 20, 2016 3:18 pm

How or what am I looking for?

In my Roth I have ytd....
3.30%
3.47%
3.84%
3.12%


My 401k 1/1/16
2016 0.9%
Jan:-7.6% Feb:0.9% Mar:6.2% n/a n/a n/a n/a n/a n/a n/a n/a n/a
-1.0% n/a n/a n/a
Q1 Q2 Q3 Q4
Your cumulative personal rate-of-return during this period: 0.9%. (Annualized: n/a)

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

Post by ruralavalon » Wed Apr 20, 2016 4:23 pm

I think that the initial idea of this thread was to look at your portfolio's rate of return so far in the year, not an annualized rate, and not how much your portfolio has increased due to new contributions.

The original post which started the thread also asked for your asset allocation, the percent in stocks and percent in bonds.
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Re: What are you up YTD? [Year To Date]

Post by Mordko » Sun May 01, 2016 8:42 am

Trailing portfolio return (time-weighted):

1 month: -0.4%
3 month: 0.6%
6 month: -5.4%
YTD: -5.7% (money-weighted return is slightly better).

All returns in CAD.

Asset allocation: 16% - fixed income; the rest - equity. Equity allocations by regions: Canadian - 7%, US - 26%, UK - 12%, Other developed - 16%, Emerging - 23%.

Not much movement in April. Canadian and emerging markets did well. UK dropped because of the Brexit fears. US went up in USD but dropped in CAD.

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

Post by livesoft » Sun May 01, 2016 8:59 am

Vanguard LifeStrategy Moderate Growth VSMGX has a 60/40 allocation and is up YTD 2.6%,
so I suspect that any YTD number above 5% may be calculated incorrectly. For example, many Quicken users get Quicken to annualize the return. So a 2.6% YTD return would be about 2.6% * 12 / 5 = 6.24% because we are only 5 months into a 12 month year.
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Re: What are you up YTD? [Year To Date]

Post by SQRT » Sun May 01, 2016 11:21 am

livesoft wrote:Vanguard LifeStrategy Moderate Growth VSMGX has a 60/40 allocation and is up YTD 2.6%,
so I suspect that any YTD number above 5% may be calculated incorrectly. For example, many Quicken users get Quicken to annualize the return. So a 2.6% YTD return would be about 2.6% * 12 / 5 = 6.24% because we are only 5 months into a 12 month year.

Right but I think it is only 4 months in. My total return is about 6.6% YTD Apr 30.

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

Post by livesoft » Sun May 01, 2016 11:28 am

See how easy it is to do a math error? ;)
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Cramerica
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Re: What are you up YTD? [Year To Date]

Post by Cramerica » Sun May 01, 2016 12:31 pm

livesoft wrote:Vanguard LifeStrategy Moderate Growth VSMGX has a 60/40 allocation and is up YTD 2.6%,
so I suspect that any YTD number above 5% may be calculated incorrectly. For example, many Quicken users get Quicken to annualize the return. So a 2.6% YTD return would be about 2.6% * 12 / 5 = 6.24% because we are only 5 months into a 12 month year.


Not sure I follow the logic here.

Why would you annualize a "year to date" return? You are assuming you will have the exact same growth for the rest of the year as the first 4 months?

If I did that, based on my Fidelity YTD after Friday's close, my projected/annualized return (x * 12/4) would be 30%. That seems highly speculative and I personally predict my 2016 return to be closer to 15-20%.

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

Post by Aptenodytes » Sun May 01, 2016 2:52 pm

Cramerica wrote:
livesoft wrote:Vanguard LifeStrategy Moderate Growth VSMGX has a 60/40 allocation and is up YTD 2.6%,
so I suspect that any YTD number above 5% may be calculated incorrectly. For example, many Quicken users get Quicken to annualize the return. So a 2.6% YTD return would be about 2.6% * 12 / 5 = 6.24% because we are only 5 months into a 12 month year.


Not sure I follow the logic here.

Why would you annualize a "year to date" return? You are assuming you will have the exact same growth for the rest of the year as the first 4 months?

If I did that, based on my Fidelity YTD after Friday's close, my projected/annualized return (x * 12/4) would be 30%. That seems highly speculative and I personally predict my 2016 return to be closer to 15-20%.

you answered your own question. People annualize their YTD returns because they are curious where their annual returns might end up if the rest of the year maintained the same pace. The same way a runner might convert their split times into a final race time. As you say, it is a pointless exercise. But as long as nobody is making any decisions based on such numbers, there's no harm in such idle "what if" scenarios.

If people want to compare YTD returns they should use the same methods and not annualize, but then again such comparisons are also pointless, so why bother even getting it right.

Compare your own returns to your own benchmarks. Report your differences if you like -- that could conceivably be instructive -- but reporting returns is just a sloppy way of reporting your AA, so rather than do that just report your AA (if you think there's a reason to do that).

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

Post by livesoft » Sun May 01, 2016 7:11 pm

@Cramerica, it is not that people do this on purpose. It is that the software they use does it without their knowing it.
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Re: What are you up YTD? [Year To Date]

Post by Uncle Pennybags » Mon May 02, 2016 4:53 am

I looked at my asset allocation; the foreign stock fund made me sick.

60/40 AA. YTD I'm up 3.66%; I have 13% in one company (401K) and it did over 10% YTD.

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

Post by triceratop » Wed Jun 01, 2016 12:19 pm

It is June 1, which seems a good time to benchmark and compare again.

100% equity portfolio, 31% international, 60/40 TSM/SCV (domestic) -- These are all way off target, I am rebalancing towards targets using new money

Using longinvest's spreadsheet:
+2.88% YTD
-1.19% 1yr
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Re: What are you up YTD? [Year To Date]

Post by livesoft » Wed Jun 01, 2016 12:27 pm

Some 60/40 benchmark returns through May 31, 2016:
3.08% VSMGX LifeStrategy Moderate Growth
3.09% VTWNX Target Retirement 2020
3.63% VBIAX Balanced
3.33% DGSIX DFA Global Allocation 60/40
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon » Wed Jun 01, 2016 2:22 pm

Retired, age 70, asset allocation 50/50.

Up 4.06% per Morningstar's portfolio manager.

Best fund so far is Vanguard Small-Cap Value Index Fund.
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Re: What are you up YTD? [Year To Date]

Post by Sheepdog » Wed Jun 01, 2016 2:29 pm

Age 82, 23% stock, +4.01% YTD. Money 2002 calculates.
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I'm down and happy about it.

Post by Taylor Larimore » Wed Jun 01, 2016 2:55 pm

What you are up (or down) YTD.

InvestorNewb:

I am down YTD -- and happy about it.

Why? At age 92, I am giving my estate to charity and my heirs while I am still alive.

With luck, my last check will go to the undertaker who has instructions to give my body to my alma matter, The University of Miami, to advance medical research.

I have, and continue to have, a wonderful life. I am very grateful to the Bogleheads.

Thank you and best wishes.
Taylor
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Re: What are you up YTD? [Year To Date]

Post by galeno » Wed Jun 01, 2016 3:24 pm

Age 58. Stocks = 60%. Without counting dividend and interest income cash from 2016 our port is up 1.6%.
AA = 40/55/5. Expected CAGR = 3.8%. GSD (5y) = 6.2%. USD inflation (10 y) = 1.8%. AWR = 2.8%. TER = 0.5%. Port Yield = 2.0%. Term = 35 yr. FI Duration = 6.2 yr. Portfolio survival probability = 100%.

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Re: I'm down and happy about it.

Post by moshe » Wed Jun 01, 2016 3:31 pm

Taylor Larimore wrote:
What you are up (or down) YTD.

InvestorNewb:

I am down YTD -- and happy about it.

Why? At age 92, I am giving my estate to charity and my heirs while I am still alive.

With luck, my last check will go to the undertaker who has instructions to give my body to my alma matter, The University of Miami, to advance medical research.

I have, and continue to have, a wonderful life. I am very grateful to the Bogleheads.

Thank you and best wishes.
Taylor


Well said Taylor!
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Re: What are you up YTD? [Year To Date]

Post by moshe » Wed Jun 01, 2016 3:36 pm

Using the Boogleheadsreturns_V19:

Portfolio return as of : 5/31/2016
1 month 0.62%
3 months 6.25%
6 months 2.88%
YTD 4.04%
1 year 3.65%

current AA: 56.5(67us/23xus/10reit)/43.5

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

Post by oldcomputerguy » Wed Jun 01, 2016 3:43 pm

Age 60, AA until about a month ago was 60/40 stock funds/bond funds, last month bumped it down to 50/50 anticipating impending retirement.

Up 4.35% YTD.
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Re: What are you up YTD? [Year To Date]

Post by Toons » Wed Jun 01, 2016 8:17 pm

I don't know,but
The net worth figure is higher than it was YTD,,,
And I am spending.
That was the plan when I started this investing journey.
:mrgreen:
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Re: What are you up YTD? [Year To Date]

Post by vitaflo » Wed Jun 01, 2016 8:53 pm

YTD 2.94% 75/25 stock/bond.

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

Post by jay22 » Wed Jun 01, 2016 9:09 pm

Up 4.32%, 90/10 AA with 30% equities in international.

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

Post by BogleBoogie » Wed Jun 01, 2016 11:29 pm

It depends on the day. As for today, I'm not sure.

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

Post by Nowizard » Thu Jun 02, 2016 2:26 pm

As of today, 4.01% with a 60/40 ratio.

Tim

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

Post by Uncle Pennybags » Thu Jun 02, 2016 6:18 pm

I'm up a bit over 5% YTD. :greedy

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

Post by invst65 » Thu Jun 02, 2016 6:39 pm

Up 7.24% YTD according to Google Finance.

I use a variant of the Permanent Portfolio called the "Golden Butterfly".

20% Large Blend Stock (+5.11)
20% Small Cap Value (+9.57)
20% Short Term Cash (1-3 year U.S. Treasury Bills) (+1.06)
20% Long Term U.S. Treasuries (+8.16)
20% Gold (+12.33)

Pretty happy since I was down 3% last year.
Last edited by invst65 on Thu Jun 02, 2016 6:50 pm, edited 1 time in total.

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

Post by market timer » Thu Jun 02, 2016 6:50 pm

+11%

Recently withdrew my gains for the year to pay off most of my student loans.

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

Post by Detroittl » Thu Jun 02, 2016 7:10 pm

Ytd up 7 percent.

83 percent stocks
17 percent bonds/cash

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

Post by Cramerica » Thu Jun 02, 2016 7:22 pm

market timer wrote:+11%

Recently withdrew my gains for the year to pay off most of my student loans.


A bit early, no? Market is still down about 3 and a half percent. Much more in certain areas.

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

Post by jay22 » Thu Jun 02, 2016 9:36 pm

It will be interesting to see the funds people invest in within this thread along with the performance numbers. :)

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

Post by AlohaJoe » Thu Jun 02, 2016 9:39 pm

-24.58% YTD through the end of May, though the last few days have been very good so it is probably closer to something -15% of I take those into account. Balances out the +42.36 from last year, I guess.

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

Post by carofe » Thu Jun 02, 2016 11:00 pm

4% YTD

51% US Total Stock
8% REIT
8% Small Cap Value
13% Intl Total Stock
20% IT Bonds

All index funds.

(...I'm posting this here and at the same time thinking, does it really matter the YTD?)
US Total Stock Market + Intermediate Term Bond. That's it.

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

Post by rixer » Thu Jun 02, 2016 11:43 pm

We are at 3.45% with a 40/60 split. Pretty much lifestrategy conservative growth.

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