What are you up YTD? [Year To Date]

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

Post by Trader/Investor » Fri Jun 03, 2016 12:53 am

6.12% YTD which beats my 5.5% for all of 2015.

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

Post by FreeAtLast » Fri Jun 03, 2016 1:07 am

Age 60, 50/50, up 1.04% as of today. Works for me.
Illegitimi non carborundum.

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Conch55
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Re: What are you up YTD? [Year To Date]

Post by Conch55 » Fri Jun 03, 2016 5:46 am

50/50 modified 3 fund: 2.6% through May 31. 60 years old and not working.

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

Post by BeBH65 » Fri Jun 03, 2016 6:04 am

60/40 -- Tilted to Europe / only Euro
YTD in Euro -3% (Beardstown Ladies performance 0%)
BeBH65. (only an investment enthusiast, not a financial adviser, perform your due diligence).

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

Post by Grapevine ATL » Fri Jun 03, 2016 6:22 am

I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!

Carl53
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Re: What are you up YTD? [Year To Date]

Post by Carl53 » Fri Jun 03, 2016 7:42 am

I got 18.076 on my spreadsheet (not excel). I would not count on that being a regular occurrence, but good for you!

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

Post by tnbison » Fri Jun 03, 2016 7:47 am

Grapevine ATL wrote:I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!

That is an annualized return. I believe your YTD is 1.1836^(154/365)=1.0737 -> 7.37%

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

Post by TravelforFun » Fri Jun 03, 2016 7:54 am

Grapevine ATL wrote:I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!

I came up with 15%. Still a very good number.

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

Post by TravelforFun » Fri Jun 03, 2016 7:56 am

6.5% to date. I'm 80% equity and 20% bond.

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

Post by Grapevine ATL » Fri Jun 03, 2016 8:16 am

TravelforFun wrote:I came up with 15%. Still a very good number.

tnbison wrote:
Grapevine ATL wrote:I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!

That is an annualized return. I believe your YTD is 1.1836^(154/365)=1.0737 -> 7.37%

Carl53 wrote:I got 18.076 on my spreadsheet (not excel). I would not count on that being a regular occurrence, but good for you!


Thanks, everybody. This is 70%/30% TSM/TBM by the way.

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

Post by QuietProsperity » Fri Jun 03, 2016 9:31 am

+6.32% YTD ... 60 S / 40 B

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

Post by Cramerica » Fri Jun 03, 2016 10:19 am

Grapevine ATL wrote:I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!


Not sure if I am missing something here but that is not anywhere near 18% (annualized or not).

Your contributions total about 6753 and your current balance is 6951, right?

That's a gain of 198, or about 3% increase. That is more consistent with a 70/30 TSM/TBM allocation over that time.

Grapevine ATL
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Location: Atlanta, GA

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

Post by Grapevine ATL » Fri Jun 03, 2016 10:25 am

Cramerica wrote:
Grapevine ATL wrote:I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!


Not sure if I am missing something here but that is not anywhere near 18% (annualized or not).

Your contributions total about 6753 and your current balance is 6951, right?

That's a gain of 198, or about 3% increase. That is more consistent with a 70/30 TSM/TBM allocation over that time.


Yes, but you're calculating $198/$6750. My balance just reached that amount a few days ago. So, you can't really calculate your rate of return by dividing your total gains into your total contribution. Does that make sense?

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

Post by rockonhumblepie » Fri Jun 03, 2016 10:34 am

Three Fund portfolio, 40/60 up 2.0%

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

Post by tetractys » Fri Jun 03, 2016 10:46 am

75/25, this year's return so far is 5.8%, so annualizing that (5.8x12/5) it's around 13.9%. So far a pretty good year. — Tet

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

Post by ruralavalon » Fri Jun 03, 2016 10:48 am

tetractys wrote:75/25, this year's return so far is 5.8%, so annualizing that (5.8x12/5) it's around 13.9%. So far a pretty good year. — Tet

But most of the year hasn't happened yet.
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Re: What are you up YTD? [Year To Date]

Post by azanon » Fri Jun 03, 2016 10:51 am

I'm up 5.5% or thereabouts YTD (as of COB 6/2) - using a 40/45/15 (stock about 62% foreign, bonds are about 3 yr duration US Government, 15% alternatives are half gold half commodities futures fund).

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

Post by tetractys » Fri Jun 03, 2016 10:55 am

ruralavalon wrote:
tetractys wrote:75/25, this year's return so far is 5.8%, so annualizing that (5.8x12/5) it's around 13.9%. So far a pretty good year. — Tet

But most of the year hasn't happened yet.

Thus the qualified "so far", or in other words, as the man said while plummeting past the 9th floor window to his co-workers inside, "so far so good!!!" -- Tet

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

Post by Cramerica » Fri Jun 03, 2016 11:04 am

Grapevine ATL wrote:
Cramerica wrote:
Grapevine ATL wrote:I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!


Not sure if I am missing something here but that is not anywhere near 18% (annualized or not).

Your contributions total about 6753 and your current balance is 6951, right?

That's a gain of 198, or about 3% increase. That is more consistent with a 70/30 TSM/TBM allocation over that time.


Yes, but you're calculating $198/$6750. My balance just reached that amount a few days ago. So, you can't really calculate your rate of return by dividing your total gains into your total contribution. Does that make sense?


No, it does not make sense. Sorry, but your rate of return is not 18%, even annualized. You were right originally in questioning why the calculation was so high.

You calculate your return by dividing your total gains by your cost basis. You can also simply look at the YTD returns of your investments for an approximation of your YTD return.

The main confounder is reinvested dividends since they artificially elevate the cost basis, but taking that into account only adds ~2% to an index return.

It can also be confusing because some people annualize their return, but that clearly does not make sense this year with a 15-20% market correction. It is highly speculative to think that the rate of return will be similar for the rest of the year.

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

Post by Grapevine ATL » Fri Jun 03, 2016 11:21 am

Cramerica wrote:
Grapevine ATL wrote:
Cramerica wrote:
Grapevine ATL wrote:I'm up 18.36% according to my excel spreadhseet using XIRR. Can someone check my math?

I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21

When I plug those figures into excel, my XIRR is 18.36%. Is this accurate? Why is it so high. I get that everything will be magnified for a first time investor like me, but it still seems a bit excessive. Have I just stumbled into remarkably lucky market timing?

Thanks!


Not sure if I am missing something here but that is not anywhere near 18% (annualized or not).

Your contributions total about 6753 and your current balance is 6951, right?

That's a gain of 198, or about 3% increase. That is more consistent with a 70/30 TSM/TBM allocation over that time.


Yes, but you're calculating $198/$6750. My balance just reached that amount a few days ago. So, you can't really calculate your rate of return by dividing your total gains into your total contribution. Does that make sense?


No, it does not make sense. Sorry, but your rate of return is not 18%, even annualized. You were right originally in questioning why the calculation was so high.

You calculate your return by dividing your total gains by your cost basis. You can also simply look at the YTD returns of your investments for an approximation of your YTD return.

The main confounder is reinvested dividends since they artificially elevate the cost basis, but taking that into account only adds ~2% to an index return.

It can also be confusing because some people annualize their return, but that clearly does not make sense this year with a 15-20% market correction. It is highly speculative to think that the rate of return will be similar for the rest of the year.


Maybe someone can explain to both Cramerica and myself what my rate of return is. And, if my rate of return is actually 18%, how could it possibly be so high with a 70/30 AA?

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

Post by livesoft » Fri Jun 03, 2016 4:14 pm

Grapevine ATL wrote:I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21Maybe someone can explain to both Cramerica and myself what my rate of return is. And, if my rate of return is actually 18%, how could it possibly be so high with a 70/30 AA?


You can do a simple fact check. You have $6951.20 now, but you contributed just this year alone $6526.81 not counting the $226.90 you started with. If you count that, you have $6753.71 in contributions. $6951.20 / $6753.71 is 1.0292 or a 2.92% increase that you did not contribute to.

If you made 2.92% in 1 day, then you might think you can make that every day of the year. And your software might think that, too, so your software might tell you that you have a return of 365 *2.92 = 1067%. Woo-hoo!

So you need to tell your software something about dates.
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Grapevine ATL
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Re: What are you up YTD? [Year To Date]

Post by Grapevine ATL » Fri Jun 03, 2016 4:18 pm

livesoft wrote:
Grapevine ATL wrote:I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21Maybe someone can explain to both Cramerica and myself what my rate of return is. And, if my rate of return is actually 18%, how could it possibly be so high with a 70/30 AA?


You can do a simple fact check. You have $6951.20 now, but you contributed just this year alone $6526.81 not counting the $226.90 you started with. If you count that, you have $6753.71 in contributions. $6951.20 / $6753.71 is 1.0292 or a 2.92% increase that you did not contribute to.

If you made 2.92% in 1 day, then you might think you can make that every day of the year. And your software might think that, too, so your software might tell you that you have a return of 365 *2.92 = 1067%. Woo-hoo!

So you need to tell your software something about dates.


Ok, so I'm "up" 2.8%, but my Rate of Return is 18%? Is that right? I'm just trying to figure out why XIRR is spitting out 18%. Is it wrong? Or are we just measuring different things?

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

Post by livesoft » Fri Jun 03, 2016 4:28 pm

What happens if you tell XIRR that on 12/31/2016 your balance is $6951.21?
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Uncle Pennybags
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Re: What are you up YTD? [Year To Date]

Post by Uncle Pennybags » Fri Jun 03, 2016 4:41 pm

AlohaJoe wrote:-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.
Not very "Boglehead".

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

Post by Grapevine ATL » Fri Jun 03, 2016 4:42 pm

livesoft wrote:What happens if you tell XIRR that on 12/31/2016 your balance is $6951.21?


3.93%

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

Post by PhysicianOnFIRE » Fri Jun 03, 2016 7:35 pm

According to Personal Capital, up. 4.21% YTD 2016. :beer

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

Post by moshe » Fri Jun 03, 2016 8:04 pm

Grapevine ATL wrote:
livesoft wrote:
Grapevine ATL wrote:I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21Maybe someone can explain to both Cramerica and myself what my rate of return is. And, if my rate of return is actually 18%, how could it possibly be so high with a 70/30 AA?


You can do a simple fact check. You have $6951.20 now, but you contributed just this year alone $6526.81 not counting the $226.90 you started with. If you count that, you have $6753.71 in contributions. $6951.20 / $6753.71 is 1.0292 or a 2.92% increase that you did not contribute to.

If you made 2.92% in 1 day, then you might think you can make that every day of the year. And your software might think that, too, so your software might tell you that you have a return of 365 *2.92 = 1067%. Woo-hoo!

So you need to tell your software something about dates.


Ok, so I'm "up" 2.8%, but my Rate of Return is 18%? Is that right? I'm just trying to figure out why XIRR is spitting out 18%. Is it wrong? Or are we just measuring different things?


Unless i am missing something to get this to work accurately, other than YTD absolute gain, I believe that you would need to know your actual account balances at the dates you added more funds.

~Moshe
My money has no emotions. ~Moshe | | I'm the world's greatest expert on my own opinion. ~Bruce Williams

renue74
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Re: What are you up YTD? [Year To Date]

Post by renue74 » Fri Jun 03, 2016 8:25 pm

moshe wrote:
Grapevine ATL wrote:
livesoft wrote:
Grapevine ATL wrote:I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21Maybe someone can explain to both Cramerica and myself what my rate of return is. And, if my rate of return is actually 18%, how could it possibly be so high with a 70/30 AA?


You can do a simple fact check. You have $6951.20 now, but you contributed just this year alone $6526.81 not counting the $226.90 you started with. If you count that, you have $6753.71 in contributions. $6951.20 / $6753.71 is 1.0292 or a 2.92% increase that you did not contribute to.

If you made 2.92% in 1 day, then you might think you can make that every day of the year. And your software might think that, too, so your software might tell you that you have a return of 365 *2.92 = 1067%. Woo-hoo!

So you need to tell your software something about dates.


Ok, so I'm "up" 2.8%, but my Rate of Return is 18%? Is that right? I'm just trying to figure out why XIRR is spitting out 18%. Is it wrong? Or are we just measuring different things?


Unless i am missing something to get this to work accurately, other than YTD absolute gain, I believe that you would need to know your actual account balances at the dates you added more funds.

~Moshe


Here is the XIRR for this. You are up 7.42% YTD with 18.36% annualized return (annualized is fairly worthless).

https://docs.google.com/spreadsheets/d/112c0hHnNWolo4Ysi02OK705N2R56CZMYxotSUKDGSy0/edit?usp=sharing

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

Post by moshe » Fri Jun 03, 2016 8:53 pm

Thank you for the clarification Renue74. XIRR does work but produces an APR so to produce YTD you have to use the following formula to convert back.

(1+YTD)^(n/365)-1 where YTD is the XIRR result and n = number of days.

Here is a link to another spreadsheet I found which may be helpful:
http://www.gummy-stuff.org/Excel/XIRR.xls

~Moshe
My money has no emotions. ~Moshe | | I'm the world's greatest expert on my own opinion. ~Bruce Williams

Ashley1748
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Re: What are you up YTD? [Year To Date]

Post by Ashley1748 » Fri Jun 03, 2016 9:17 pm

Quicken reports "ROI (%) YTD" of 4.17%
50/50

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

Post by Grapevine ATL » Fri Jun 03, 2016 9:18 pm

This was all very helpful. Thanks, everybody!

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

Post by Cramerica » Sat Jun 04, 2016 8:18 am

renue74 wrote:
moshe wrote:
Grapevine ATL wrote:
livesoft wrote:
Grapevine ATL wrote:I started with $226.9 on 1/1/2016. Contributions as follows:

1/1/2016 226.9
2/1/2016 1400.42
3/1/2016 510.94
4/1/2016 1605.31
5/2/2016 1582.56
5/26/2016 1427.58

Current Balance:
6/3/2016 6951.21Maybe someone can explain to both Cramerica and myself what my rate of return is. And, if my rate of return is actually 18%, how could it possibly be so high with a 70/30 AA?


You can do a simple fact check. You have $6951.20 now, but you contributed just this year alone $6526.81 not counting the $226.90 you started with. If you count that, you have $6753.71 in contributions. $6951.20 / $6753.71 is 1.0292 or a 2.92% increase that you did not contribute to.

If you made 2.92% in 1 day, then you might think you can make that every day of the year. And your software might think that, too, so your software might tell you that you have a return of 365 *2.92 = 1067%. Woo-hoo!

So you need to tell your software something about dates.


Ok, so I'm "up" 2.8%, but my Rate of Return is 18%? Is that right? I'm just trying to figure out why XIRR is spitting out 18%. Is it wrong? Or are we just measuring different things?


Unless i am missing something to get this to work accurately, other than YTD absolute gain, I believe that you would need to know your actual account balances at the dates you added more funds.

~Moshe


Here is the XIRR for this. You are up 7.42% YTD with 18.36% annualized return (annualized is fairly worthless).

https://docs.google.com/spreadsheets/d/112c0hHnNWolo4Ysi02OK705N2R56CZMYxotSUKDGSy0/edit?usp=sharing


It seems these calculators are more deceptive than helpful.

When I post my YTD return, I simply calculate the real gain, as livesoft showed above for this example.

If his calculated YTD return is 7.42%, that's more than double his real YTD gain.

I presume that this is because the calculator is making assumptions that it should not be, for both the YTD and annualized return.

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

Post by montanagirl » Sat Jun 04, 2016 8:21 am

Hell if I know. I've taken out about 9k this year, and in Personal Performance that shows as if they were losses. But it looks like I'm up enough to cover what I've taken out.

I am supposed to be 40/60 but am now 44/56. So I should balance equities to bonds, but it looks like bonds are at a peak right now and stocks behind them a bit? Is that right?

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

Post by livesoft » Sat Jun 04, 2016 8:23 am

Cramerica wrote:I presume that this is because the calculator is making assumptions that it should not be, for both the YTD and annualized return.

I think people are not using the calculators correctly. One does not want an annualized return. Or at least we don't want to see it unless it is reported at the end of the day on 12/31/20xx.

I suggest that one use the dates 1/1/2016 through 12/31/2016 to get YTD returns. Even that might not work if you had substantial gains (or losses) on 1/1 and started with the end-of-day value rather than the beginning-of-day value. So start with 12/31/2015 if you have that number. These are the dates used by mutual fund companies and Morningstar to calculate and show their YTD returns.

MSMoney and Quicken give the YTD number correctly only if you set the dates from 12/31/20xx to 12/31/20xx+1.

XIRR() takes into account the time and dollar amounts that you added/subtracted from your portfolio which is why the simple calculation I showed in the past day is also not the way to do it.
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Re: What are you up YTD? [Year To Date]

Post by Cramerica » Sat Jun 04, 2016 9:19 am

livesoft wrote:MSMoney and Quicken give the YTD number correctly only if you set the dates from 12/31/20xx to 12/31/20xx+1.

XIRR() takes into account the time and dollar amounts that you added/subtracted from your portfolio which is why the simple calculation I showed in the past day is also not the way to do it.


Are any of these software programs able to import data from Fidelity, by chance?

glock19
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Re: What are you up YTD? [Year To Date]

Post by glock19 » Sat Jun 04, 2016 9:24 am

2.85% YTD

25/70/5 equities/IT bonds/GLD

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

Post by TheTimeLord » Sat Jun 04, 2016 9:27 am

Beardstown Ladies claim I am up 7.71% YTD but I am skeptical.
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Cramerica
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Re: What are you up YTD? [Year To Date]

Post by Cramerica » Sat Jun 04, 2016 12:46 pm

livesoft wrote:XIRR() takes into account the time and dollar amounts that you added/subtracted from your portfolio which is why the simple calculation I showed in the past day is also not the way to do it.


I have given this some more thought and wanted to make sure I understand.

The idea of using the time you made the contribution is that if you made the contribution recently, the 'real' return would not adequately reflect the return since there has not been as much time that has passed compared to a contribution made earlier. That sounds reasonable enough.

But how is this actually implemented? For example, I made a large contribution on Feb 11 to time the market. If I made the same contribution on Jan 11 (1 month earlier), I would have a much lower return.

Would the calculator say...well he made the Feb 11 contribution 1 month later and it yielded a 17% real return, so it follows that if he made the same contribution 1 month earlier, it would be higher?

Can't quite wrap my head around the assumptions the calculator is making to arrive at the much higher YTD returns. The annualized return is clearly bogus and I suspect that there are questionable assumptions for the YTD as well.

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

Post by livesoft » Sat Jun 04, 2016 12:48 pm

Cramerica wrote:But how is this actually implemented? For example, I made a large contribution on Feb 11 to time the market. If I made the same contribution on Jan 11 (1 month earlier), I would have a much lower return.

Would the calculator say...well he made the Feb 11 contribution 1 month later and it yielded a 17% real return, so it follows that if he made the same contribution 1 month earlier, it would be higher?

Why not do some "What if?" calculations?

I haven't done them myself, but I suspect that if you keep the date range of 12/31/2015 to 12/31/2016, then some changes of contributions won't matter much.

Another exercise is to just use info from Morningstar.com or Vanguard.com and try to duplicate the YTD return there. For instance VSMGX (LifeStrategy moderate growth) has a reported YTD return of 3.69%. One can see the prices on 12/31/2015 and today along with the March distribution, so add in the reinvested amounts. If your XIRR() doesn't get 3.69%, then something is not quite right.
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steve roy
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Re: What are you up YTD? [Year To Date]

Post by steve roy » Sat Jun 04, 2016 12:58 pm

Up .7% for the year.

Up 4.5% for five years.

Up 4.6% for ten years.

Stock-bonds: 30%/70%. Small cap-value tilt. Short bond durations (3.5-4 years)

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

Post by Uncle Pennybags » Sat Jun 04, 2016 6:01 pm

Cramerica wrote:Are any of these software programs able to import data from Fidelity, by chance?
Quicken.

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

Post by tennisplyr » Sun Jun 05, 2016 9:33 am

Roughly +4.5% with a 50/50 AA (retired, 66).
Last edited by tennisplyr on Sun Jun 05, 2016 4:17 pm, edited 2 times in total.
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon » Sun Jun 05, 2016 11:32 am

Retired, age 70, asset allocation 50/50.

Up 4.78% per Morningstar's portfolio manager.

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

Post by TheTimeLord » Wed Jun 08, 2016 6:15 am

Vanguard Admiral Shares as of 6/7/2016
VFIAX 4.34% (S&P 500)
VTSAX 4.42% (Total Market)
VIMAX 5.09% (Mid Cap)
VSMAX 6.95% (Small Cap)
VFMAX 3.36% (ex-US)
VBTLX 4.22% (Total Bond)
VBILX 5.36% (Intermediate Bond)
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Re: What are you up YTD? [Year To Date]

Post by bayview » Wed Jun 08, 2016 6:42 pm

Trailing portfolio return (time-weighted return, comparable return)
Portfolio return as of 5/31/16
1 month 0.50%
3 months 3.75%
6 months 1.15%
YTD 2.10%
1 year -0.36%
3 years* 3.98%
* Annual compound return

37/63 for two separate portfolios (liability-matching and risk portfolios), all fixed income is intermediate Treasuries/ G fund. 79/21 US/ex-US stocks.
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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sperry8
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Re: What are you up YTD? [Year To Date]

Post by sperry8 » Fri Jun 10, 2016 11:00 am

You're all doing quite well!

I'm up 2.61% YTD per Morningstar's Portfolio Manager.

70/30 stock/cash allocation with 65/35 Domestic/Foreign allocation within stocks.

I'm guessing my foreign allocation is hurting returns :shock:
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kbrinaldi
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Re: What are you up YTD? [Year To Date]

Post by kbrinaldi » Fri Jun 10, 2016 12:00 pm

3.53% according to Personal Capital for YTD.
Had -1.00% according to my XIRR for 2015 =(

I am 80/20 stock/bonds with some international in the stocks and tilt small and value.

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

Post by VirtualCuriosity » Fri Jun 10, 2016 12:27 pm

I am up 1, to 45, and holding long since 1971

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

Post by livesoft » Fri Jun 10, 2016 12:29 pm

It looks like some numbers will have to be adjusted after today's close (except for VirtualCuriosity's).
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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer » Sat Jun 11, 2016 2:45 am

+14% and I'm out. Now 100% cash and waiting for bargains on either equities, bonds, or real estate. Nothing is attractive right now. It's possible I'll stay at 100% cash for a year or two, also possible I'll buy a house with it.

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