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 » Fri Jul 01, 2016 12:45 pm

Toons wrote:Six figures
8-)
I'm up seven figures; counting the decennial point. I'm not Penniebags for nothing.

I'm up 5.3% YTD. Not bad considering the Vanguard S&P500 Admiral fund is up only 3.1% YTD.

Vanguard 500 Index Fund Admiral Shares 10.21%
Vanguard Prime Money Market Fund 3.23%
Vanguard REIT Index Fund Admiral Shares 10.85%
Vanguard Short-Term Corporate Bond Index Fund Admiral Shares 17.93%
Vanguard Total Bond Market Index Fund Admiral Shares 17.81
Vanguard Total Stock Market Index Fund Admiral Shares 16.12%
VZ stock 13.53%
Last and certainly least. :(
Vanguard Total International Stock Index Fund Admiral Shares 10.32%

I don't include saving and checking account money as I don't consider that an "investment".

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

Postby Aptenodytes » Fri Jul 01, 2016 1:01 pm

Uncle Pennybags wrote:
Toons wrote:Six figures
8-)
I'm up seven figures; counting the decennial point. I'm not Penniebags for nothing.

I'm up 5.3% YTD. Not bad considering the Vanguard S&P500 Admiral fund is up only 3.1% YTD.

Vanguard 500 Index Fund Admiral Shares 10.21%
Vanguard Prime Money Market Fund 3.23%
Vanguard REIT Index Fund Admiral Shares 10.85%
Vanguard Short-Term Corporate Bond Index Fund Admiral Shares 17.93%
Vanguard Total Bond Market Index Fund Admiral Shares 17.81
Vanguard Total Stock Market Index Fund Admiral Shares 16.12%
VZ stock 13.53%
Last and certainly least. :(
Vanguard Total International Stock Index Fund Admiral Shares 10.32%

I don't include saving and checking account money as I don't consider that an "investment".

Something is weird with those numbers. There's no US money market fund paying 3.2%. The Vanguard 500 fund is up 3.8% YTD. The only way you could getting 10.2% from it is if you are going in and out and just the right times. Other fund returns are similarly off. It doesn't seem like you could be a miracle market timer because VZ is up 21% for the year but you only got 14%.

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

Postby livesoft » Fri Jul 01, 2016 1:02 pm

Aptenodytes wrote:Something is weird with those numbers.

Yeah, those numbers add up to 100%! That's what's weird about them. :)
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Aptenodytes
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Re: What are you up YTD? [Year To Date]

Postby Aptenodytes » Fri Jul 01, 2016 1:07 pm

3.9% YTD

50% bonds
10% total stock
15% small-cap-value
10% total international
10% international small
5% emerging

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

Postby Aptenodytes » Fri Jul 01, 2016 1:09 pm

livesoft wrote:
Aptenodytes wrote:Something is weird with those numbers.

Yeah, those numbers add up to 100%! That's what's weird about them. :)

So the fault is not in Uncle Pennybags's numbers, but myself.

My apologies!

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

Postby nbseer » Fri Jul 01, 2016 2:01 pm

Up around $35,000 year to date.. almost 100% Vanguard bond funds.. I'm retired, don't need to take any risk in the stock market.. with no sign of interest rates soaring anytime soon, bonds have been performing well.

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

Postby Uncle Pennybags » Fri Jul 01, 2016 5:24 pm

Aptenodytes wrote:
livesoft wrote:
Aptenodytes wrote:Something is weird with those numbers.

Yeah, those numbers add up to 100%! That's what's weird about them. :)

So the fault is not in Uncle Pennybags's numbers, but myself.

My apologies!

No problem; every one of my investments, except money market, was up today.

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

Postby TheTimeLord » Sat Jul 02, 2016 8:41 am

Vanguard Admiral Shares as of 7/1/2016
VFIAX 4.04% (S&P 500)
VTSAX 3.91% (Total Market)
VIMAX 3.84% (Mid Cap)
VSMAX 5.40% (Small Cap)
VFWAX 0.33%(ex-US)
VBTLX 5.82% (Total Bond)
VBILX 7.06% (Intermediate Bond)
VBIRX 2.55% (Short Term Bond)
Run, You Clever Boy!

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

Postby danyn » Mon Jul 04, 2016 3:29 pm

6.34% YTD (per longinvest spreadsheet)

Target allocation 53% equity, 41% bonds, 6% cash
Actual allocation 6/30/16: 55% equity, 43% bonds, 2% cash

I'm happy since my retirement plan only depends on 4.5% average annual return :sharebeer

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

Postby unclescrooge » Mon Jul 04, 2016 3:52 pm

As of July 1st, I'm up 8.9% YTD.

I have a slice and dice portfolio with 80% equities (including reits, commodities and gold miners) and 20% bonds.

The biggest returns came from
Gold miners etf: 114%
Gold etf : 26.7%
High yield bond cef: 20.9%
EM bond cef: 17.4%
US large cap value etf: 13.5%
EM small cap etf: 12.5%
EM etf: 8%

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

Postby itstoomuch » Mon Jul 04, 2016 4:14 pm

I wonder how many posters are either still in the accumulation phase or in the "I got the Number" phase?
4 buckets: SS+pension;dfr'd GLWB VA & FI anntys, by time & $$ laddered; Discretionary; Rental. Do OK any 2 bkts. LTCi. Own, not asset. Tax 25%. Early SS. FundingRatio (FR) >1.1 Age 67/70

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

Postby itstoomuch » Mon Jul 04, 2016 4:18 pm

Trading Discretionary accts are, as of July 01, 0% to 20% in a >50% cash portfolio in this trading account sub-bucket.
Meaningless number. :idea:
YMMV
:sharebeer
4 buckets: SS+pension;dfr'd GLWB VA & FI anntys, by time & $$ laddered; Discretionary; Rental. Do OK any 2 bkts. LTCi. Own, not asset. Tax 25%. Early SS. FundingRatio (FR) >1.1 Age 67/70

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

Postby SeeMoe » Mon Jul 04, 2016 8:01 pm

Kind of tough times now, but our 45/55 folios are up 3.7% thanks to our one year anniversary with the Vanguard Groups fabulous VPAS Service,..Lots of international in stocks and bonds. The bonds are really doing well..
SeeMoe.. :dollar
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chonp3
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Re: What are you up YTD? [Year To Date]

Postby chonp3 » Mon Jul 04, 2016 8:23 pm

My 90/10 three fund is only up 2.88 and I'm feeling kinda bummed reading about everybody elses

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

Postby spammagnet » Tue Jul 05, 2016 12:09 am

I only recently learned of and embraced the Boglehead approach to investing. Previously, my strategies changed from year to year and did not include expense reduction as a primary goal. I recently reallocated to a 60% equity (20% international) but I think there's room for improvement in selecting investments across various accounts to reduce expenses further. I'll have more questions about how to do that and will post those in a different subforum/message.

I just back-filled longinvest's spreadsheet starting with 12/31/2004 and got the results below. I've reviewed the data to make sure data entry errors didn't skew results and I think it's accurate. Hopefully this isn't too embarrassing. Seeing others' comments in this thread around the end of 2015, and recently, I think I'm okay for recent performance, but don't know how this compares over the long term.

Investor return as of 6/30/2016
Since 12/31/2004 7.33%

Portfolio return as of 6/30/2016
YTD 4.12%
1 year 1.40%
3 years* 8.50%
5 years* 8.39%
10 years* 5.73%

2005 13.45%
2006 14.68%
2007 9.77%
2008 -34.07%
2009 22.60%
2010 13.29%
2011 5.78%
2012 11.42%
2013 26.54%
2014 5.89%
2015 0.08%

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

Postby JTJjr » Tue Jul 05, 2016 3:36 am

Retired. Age 71.
Very happy with Vanguard and Bogleheads.

Target Allocation 33% Equities/66% bonds/1% Mmkt.
Current allocation 38% Equities/61% bonds/1% Mmkt. Have been increasing Health (VHT taxable/VGHAX Roth) since Jan.1, 2016.
YTD +3.37% We will rebalance back to 33% in 2017
Peace JTJjr
Aimlessly wandering to discover where I am.

naha66
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Re: What are you up YTD? [Year To Date]

Postby naha66 » Tue Jul 05, 2016 3:56 am

itstoomuch wrote:I wonder how many posters are either still in the accumulation phase or in the "I got the Number" phase?

Or screw it, I got what I got, and deal with it.

Up 6.3 ytd 7/1/16

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

Postby bayview » Tue Jul 05, 2016 5:43 am

chonp3 wrote:My 90/10 three fund is only up 2.88 and I'm feeling kinda bummed reading about everybody elses

Don't forget that people measure and report using forty-'leven or so different methods.

One day I will break out our liability-matching and risk portfolios on the Return Spreadsheet for Bogleheads https://www.bogleheads.org/wiki/Calcula ... al_returns, but for now, here's the numbers for the combined portfolio (36/64 Treasuries/equities):

Portfolio return as of 6/30/16
1 month 0.42%
3 months 1.42%
6 months 2.53%
YTD 2.53%
1 year 0.92%
3 years* 4.03%
* Annual compound return

The treasuries are still up from their sweet bump during the post-Brexit week, not yet having sagged back down to their usual price.

edit to add: We are still in accumulation, although DH is retired and I'm <5 years out (I hope.) We don't have a big portfolio, so we can't afford to take much risk. Hats off to those who can. It certainly paid off for me in the past.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri

alphaseeker1
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Re: What are you up YTD? [Year To Date]

Postby alphaseeker1 » Wed Jul 06, 2016 2:24 pm

Tanelorn wrote:
alphaseeker1 wrote:80% stocks - up 7%
20% alternative investments - up about 80%

Clearly I need more alternative investments in my portfolio. What you have you been buying besides Brexit futures? :)


Haha, no futures. I've bee investing in litigation - funding commercial cases for a piece of the recovery. Totally uncorrelated to capital markets, worth exploring.

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

Postby grayfox » Thu Jul 07, 2016 11:16 am

Here is a crazy thing. With LMP+RP approach, in theory, LMP is for safety and RP is for growth. But the safe LMP part has been soaring. With interest rates having declined, many of the Treasuries in the LMP have gains of 20+ percent.

LMP has CDs for the shorter years, STRIPS for the longer years, and TIPS for the longest years. STRIPS are good for the longer because they are liquid and increase in price with interest rate declines, and with the passage of time. CDs are better for the shorter rungs because the yields are better, but are less liquid. TIPS are good for the really long term because the big risk of inflation is over the long term.

In theory, you could just hold everything until maturity. But I think its possible to take advantage of low interest rates, i.e. price increases. E.g., there were some holes in the ladder for 2017 and 2022, and excess for 2018. Sold 2018 STRIPS at 98.954 and put the proceeds into a 2022 CD yielding about 2%. That was an upgrade. Maybe you could call it riding the yield curve. Then sold 2028 STRIPS at 81.537 and used the proceeds to fill 2017 slot with a CD yielding 1.4%. If interest rates increase, will re-fill the 2028 slot.

So you can even have profits with the complete safety of CDs and Treasuries. Interest rates fall, that is an opportunity. Interest rates rise, that's an opportunity.
Gott mit uns.

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

Postby stemikger » Thu Jul 07, 2016 2:36 pm

08/01/2015 to 06/30/2016 is 6.05%
Stay the Course!! ~ Press on Regardless!!!

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

Postby Rodc » Thu Jul 07, 2016 3:24 pm

4.9%

60/40 tilted small value
We live a world with knowledge of the future markets has less than one significant figure. And people will still and always demand answers to three significant digits.

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

Postby Cramerica » Fri Jul 08, 2016 4:59 pm

When you guys report here how much you're 'up,' you are reporting based on the XIRR formula, correct?

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

Postby livesoft » Fri Jul 08, 2016 5:02 pm

Cramerica wrote:When you guys report here how much you're 'up,' you are reporting based on the XIRR formula, correct?

I definitely am, but I cannot believe that 100% of the other responses are consistent with XIRR() formula. Furthermore, many people as much as say so.

Other cool things: Many people will report their best account or even their best fund. Many people will ignore the cash in their accounts that earn nothing even if it is more than half their account value.

In other words, this thread is cool.
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technovelist
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Re: What are you up YTD? [Year To Date]

Postby technovelist » Fri Jul 08, 2016 5:08 pm

+19% YTD. Actual, not annualized; annualized it's 37.5%, but I don't consider that important because it fluctuates too much. Even yearly returns are pretty close to noise.
Last edited by technovelist on Fri Jul 08, 2016 8:04 pm, edited 2 times in total.
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Re: What are you up YTD? [Year To Date]

Postby sschullo » Fri Jul 08, 2016 5:38 pm

Cramerica wrote:When you guys report here how much you're 'up,' you are reporting based on the XIRR formula, correct?


I use the old fashion method, what I learned in middle school about compound interest, only this time it is simple interest. Using M* portfolio, I keep records. I know what my portfolio was worth on January 1 and what it is worth on the close of business June 30th. I add back my distributions (I am retired) and divide the beginning of the year with how much my portfolio has grown YTD, 6/30. It's rough around the edges and would never pass any engineering school exam, but it gets the job done for my amateurish purposes.
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Re: What are you up YTD? [Year To Date]

Postby pshonore » Fri Jul 08, 2016 7:06 pm

Cramerica wrote:When you guys report here how much you're 'up,' you are reporting based on the XIRR formula, correct?

Using XIRR for a periods of less than a year (like YTD) can give misleading results since the return is annualized. You can avoid that by setting the end date to 1/1/17. Or use the Longinvest s/s.

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

Postby mule » Fri Jul 08, 2016 7:46 pm

sschullo wrote:
Cramerica wrote:When you guys report here how much you're 'up,' you are reporting based on the XIRR formula, correct?


I use the old fashion method, what I learned in middle school about compound interest, only this time it is simple interest. Using M* portfolio, I keep records. I know what my portfolio was worth on January 1 and what it is worth on the close of business June 30th. I add back my distributions (I am retired) and divide the beginning of the year with how much my portfolio has grown YTD, 6/30. It's rough around the edges and would never pass any engineering school exam, but it gets the job done for my amateurish purposes.


This is what I did on April of this year when I retired. I know what I had then and what I have today. I'm up $39000 since April 30th I just did mine.

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

Postby Cramerica » Fri Jul 08, 2016 8:03 pm

Using the XIRR function:

Solo 401k - 14.5% YTD, 32.8% annualized - I actively manage this.

Roth IRA - 15.5% YTD, 32.6% annualized - I actively manage this.

Taxable - 5.1% YTD, 420% annualized - I actively manage this, but first contribution was 6/27/16.

401k - 6% YTD - has been passive, but started actively managing recently. Hold all of my bonds and international here, which also lower the return.

HSA - 6% YTD, 10.5% annualized - passive.

The XIRR return is very similar to slightly higher than Fidelity's (the old fashioned) technique.

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

Postby sschullo » Sat Jul 09, 2016 8:12 am

mule wrote:
sschullo wrote:
Cramerica wrote:When you guys report here how much you're 'up,' you are reporting based on the XIRR formula, correct?


I use the old fashion method, what I learned in middle school about compound interest, only this time it is simple interest. Using M* portfolio, I keep records. I know what my portfolio was worth on January 1 and what it is worth on the close of business June 30th. I add back my distributions (I am retired) and divide the beginning of the year with how much my portfolio has grown YTD, 6/30. It's rough around the edges and would never pass any engineering school exam, but it gets the job done for my amateurish purposes.


This is what I did on April of this year when I retired. I know what I had then and what I have today. I'm up $39000 since April 30th I just did mine.


Yeah, 30/70 stock/bond split, passive strategy with extremely low costs in an all Vanguard line up, mine is up $125,000 since the February 11 lows, and up about 80,000 since Jan. 1st YTD. I have a 4.9% YTD gain, am very happy considering it is very conservative, and I am retired.
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Re: What are you up YTD? [Year To Date]

Postby GoldenFinch » Sat Jul 09, 2016 8:25 am

We hit an "all time high" the day before Brexit, and now are at a new "all time high" today. It's been an interesting year.

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

Postby Cramerica » Sat Jul 09, 2016 8:37 am

For those of you using XIRR, do you include reinvested dividends as contributions?

My XIRR returns are slightly higher than Fidelity's, except for my Roth, which is much higher.

XIRR is giving me 15.5% YTD but I think the actual is more like 10-11%. Not sure where the problem is.

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

Postby pshonore » Sat Jul 09, 2016 8:44 am

Cramerica wrote:For those of you using XIRR, do you include reinvested dividends as contributions?

My XIRR returns are slightly higher than Fidelity's, except for my Roth, which is much higher.

XIRR is giving me 15.5% YTD but I think the actual is more like 10-11%. Not sure where the problem is.
Know that XIRR annualizes returns. If you're measuring from12/31/15 to 6/30/16 (YTD), XIRR will calculate almost double the return because it assumes you will have the same performance through 12/31/16. And generally you don't include reinvested dividends as they are usually in the total values for your holdings.

Longinvest's S/S is the way to go.

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

Postby cfs » Sat Jul 09, 2016 9:24 am

Good conversation.

My boring SWAN with a large majority in SAFE investments is doing fine. However, for the first two months of the year it was in the RED. Currently it is in the BLACK and that is what really counts. Making portfolio tops with or without Brexit.

Thanks for reading.

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

Postby spammagnet » Sat Jul 09, 2016 10:42 am

cfs wrote:My boring SWAN ...

SWAN? Would you care to describe that for those of us who don't have a clue what that means?

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

Postby cfs » Sat Jul 09, 2016 10:46 am

spammagnet wrote:
cfs wrote:My boring SWAN ...

SWAN? Would you care to describe that for those of us who don't have a clue what that means?

Thanks for the question. My SWAN (sleep well at night) portfolio is based on the results of my pillow test [an allocation which will allow me to sleep well at night regardless of the market conditions]. Thanks for reading.

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

Postby jay22 » Sat Jul 09, 2016 7:03 pm

alphaseeker1 wrote:
Tanelorn wrote:
alphaseeker1 wrote:80% stocks - up 7%
20% alternative investments - up about 80%

Clearly I need more alternative investments in my portfolio. What you have you been buying besides Brexit futures? :)


Haha, no futures. I've bee investing in litigation - funding commercial cases for a piece of the recovery. Totally uncorrelated to capital markets, worth exploring.

Is there a fund for that? It'll be interesting to see.

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

Postby moshe » Mon Jul 11, 2016 10:47 am

pshonore wrote:
Cramerica wrote:For those of you using XIRR, do you include reinvested dividends as contributions?

My XIRR returns are slightly higher than Fidelity's, except for my Roth, which is much higher.

XIRR is giving me 15.5% YTD but I think the actual is more like 10-11%. Not sure where the problem is.
Know that XIRR annualizes returns. If you're measuring from12/31/15 to 6/30/16 (YTD), XIRR will calculate almost double the return because it assumes you will have the same performance through 12/31/16. And generally you don't include reinvested dividends as they are usually in the total values for your holdings.

Longinvest's S/S is the way to go.


To convert XIRR to YTD (or from any date) in Excel:

=(1+(XIRR(r1,r2)))^((TODAY()-(SOY date))/365)-1

~Moshe
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alphaseeker1
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Re: What are you up YTD? [Year To Date]

Postby alphaseeker1 » Mon Jul 11, 2016 12:15 pm

jay22 wrote:
alphaseeker1 wrote:
Tanelorn wrote:
alphaseeker1 wrote:80% stocks - up 7%
20% alternative investments - up about 80%

Clearly I need more alternative investments in my portfolio. What you have you been buying besides Brexit futures? :)


Haha, no futures. I've bee investing in litigation - funding commercial cases for a piece of the recovery. Totally uncorrelated to capital markets, worth exploring.

Is there a fund for that? It'll be interesting to see.


Someone probably offers funds, not sure. I invest through http://www.lexshares.com.

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

Postby BogleMelon » Mon Jul 11, 2016 12:42 pm

VTIVX (Target fund)
up 3.14%
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Re: What are you up YTD? [Year To Date]

Postby King's Gambit » Tue Jul 12, 2016 10:30 am

cfs wrote:
spammagnet wrote:
cfs wrote:My boring SWAN ...

SWAN? Would you care to describe that for those of us who don't have a clue what that means?

Thanks for the question. My SWAN (sleep well at night) portfolio is based on the results of my pillow test [an allocation which will allow me to sleep well at night regardless of the market conditions]. Thanks for reading.


Thank you for this, I wondered what it meant too. I have been reading a lot since I have discovered BH and that definition of SWAN resonates. I have never slept so well since I have stopped tinkering with the portfolio. Luckily, quite a while back, I paid particular attention to costs and by default ended up with a majority of index fund weight. For purpose of this thread, the last time I checked a few days ago, we were up somewhere between 5% and 6% according to morningstar x-ray tool.
Pretium Refert

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

Postby inbox788 » Tue Jul 12, 2016 1:47 pm

King's Gambit wrote:
cfs wrote:
spammagnet wrote:
cfs wrote:My boring SWAN ...

SWAN? Would you care to describe that for those of us who don't have a clue what that means?

Thanks for the question. My SWAN (sleep well at night) portfolio is based on the results of my pillow test [an allocation which will allow me to sleep well at night regardless of the market conditions]. Thanks for reading.


Thank you for this, I wondered what it meant too. I have been reading a lot since I have discovered BH and that definition of SWAN resonates. I have never slept so well since I have stopped tinkering with the portfolio. Luckily, quite a while back, I paid particular attention to costs and by default ended up with a majority of index fund weight. For purpose of this thread, the last time I checked a few days ago, we were up somewhere between 5% and 6% according to morningstar x-ray tool.


FANG was a popular acronym last year, but I noticed that today, FB isn't participating in the rally and AAPL is underperforming. The other two are only slightly doing better than SP500. So what is driving the rally? I looked at the top Dow performers today and it's DD, GS, and NKE. Who would have thunk those are the top performers? But it's often stocks like those that are often forgotten and simply perform average over time and that's good enough.

So now that the SP500 is at record highs up about 5% YTD and BND is up about 5% YTD, everyone here should be up just about 5% YTD, no? So if you're diversified, you're unlikely to be down or up much, and if the year ends here, you're safe withdrawing 4% this year. If you're underperforming, you've got to ask why, and if you're overperforming, good for you, but where's the extra risk you're taking? But as far as what action to take? For most it's likely just stand there and do nothing. Worked out ok for February dip.

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cfs
Posts: 3371
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Re: What are you up YTD? [Year To Date]

Postby cfs » Tue Jul 12, 2016 3:22 pm

King's Gambit wrote:
cfs wrote:
spammagnet wrote:
cfs wrote:My boring SWAN ...

SWAN? Would you care to describe that for those of us who don't have a clue what that means?

Thanks for the question. My SWAN (sleep well at night) portfolio is based on the results of my pillow test [an allocation which will allow me to sleep well at night regardless of the market conditions]. Thanks for reading.


Thank you for this, I wondered what it meant too. I have been reading a lot since I have discovered BH and that definition of SWAN resonates. I have never slept so well since I have stopped tinkering with the portfolio. Luckily, quite a while back, I paid particular attention to costs and by default ended up with a majority of index fund weight. For purpose of this thread, the last time I checked a few days ago, we were up somewhere between 5% and 6% according to morningstar x-ray tool.

Welcome Aboard!

King's Gambit, welcome aboard, your first post, good to see new shipmates checking in. Good luck with your investments.

Thanks for reading.

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ruralavalon
Posts: 10261
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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

Postby ruralavalon » Tue Jul 12, 2016 3:43 pm

King's Gambit wrote:
cfs wrote:
spammagnet wrote:
cfs wrote:My boring SWAN ...

SWAN? Would you care to describe that for those of us who don't have a clue what that means?

Thanks for the question. My SWAN (sleep well at night) portfolio is based on the results of my pillow test [an allocation which will allow me to sleep well at night regardless of the market conditions]. Thanks for reading.


Thank you for this, I wondered what it meant too. I have been reading a lot since I have discovered BH and that definition of SWAN resonates. I have never slept so well since I have stopped tinkering with the portfolio. Luckily, quite a while back, I paid particular attention to costs and by default ended up with a majority of index fund weight. For purpose of this thread, the last time I checked a few days ago, we were up somewhere between 5% and 6% according to morningstar x-ray tool.


Welcome to the forum :) .

It's good to see that you are using low expense ratio index funds for most of your investments. Also it's good to see that you have stopped "tinkering". It sounds like your investments are up about what should be expected.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

richard37
Posts: 54
Joined: Wed Mar 20, 2013 10:38 am

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

Postby richard37 » Tue Jul 12, 2016 3:49 pm

5.17%

20% Bonds
40% Large Cap
10% Mid Cap
5% Small Cap
20% International and Emerging Markets
5% REIT

livesoft
Posts: 54369
Joined: Thu Mar 01, 2007 8:00 pm

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

Postby livesoft » Tue Jul 12, 2016 4:04 pm

inbox788 wrote:So now that the SP500 is at record highs up about 5% YTD and BND is up about 5% YTD, everyone here should be up just about 5% YTD, no? So if you're diversified, you're unlikely to be down or up much, ....

Another asset class that you didn't mentioned is foreign or international equities.

VTIAX was up 0.84% YTD as of yesterday and will be up about 2.25% YTD when the numbers come out for today in a few hours. VTIAX is still down from its June 8 high.

Folks who market-timed international this year should have done alright as did folks who avoided international, but buy-and-holders will have a drag on the numbers you posted created by owning international equities so far in 2016.
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Bustoff
Posts: 1979
Joined: Sat Mar 03, 2012 6:45 pm

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

Postby Bustoff » Tue Jul 12, 2016 4:39 pm

I'm trying not to look.
I don't want see the shrinkage my rather formidable stash upon eventual RTM.

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SpringMan
Posts: 5239
Joined: Wed Mar 21, 2007 11:32 am
Location: Michigan

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

Postby SpringMan » Tue Jul 12, 2016 4:54 pm

This thread spans 2014, 2015, and 2016. Obviously the question has different answers for different time frames. It is not over until the fat lady sings.
Best Wishes, SpringMan

spammagnet
Posts: 496
Joined: Wed Apr 27, 2016 9:42 pm

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

Postby spammagnet » Tue Jul 12, 2016 5:03 pm

livesoft wrote:... Folks who market-timed international this year should have done alright ...

... Folks who successfully market-timed international this year should have done alright ...

Then there are the rest of them that market-timed international. :D

Estate_Esq
Posts: 56
Joined: Wed Apr 13, 2016 8:53 am

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

Postby Estate_Esq » Tue Jul 12, 2016 6:02 pm

U.S. Stocks (Vanguard Total Stock Market ETF) 31.4%, 6.2% return

Foreign Stocks (Vanguard FTSE Developed Markets ETF) 24%, 2.9% return

Emerging Markets (Vanguard FTSE Emerging Markets ETF & iShares Core MSCI Emerging Markets ETF) 19.7%, 6.5% return

Dividend Stocks (Vanguard Dividend Appreciation) 8.1%, 5.1% return

Natural Resources (State Street Energy Select Sector ETF) 6.6%, 12.2% return

Municipal Bonds (State Street Barclays Capital Muni) 9.6%, 2.2% return

Cash 0.6%

5.33% total return


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