What are you up YTD? [Year To Date]

[InvestorNewb]

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%

[MaddMaxx]

I was at 100% stocks until June 1st, now am at 74/26 stocks to bonds and up 9.1% on the year.

[investor1]

My desired AA is 90/10. I use a target date fund, so I'm willing to bet my current AA is 90/10. I don't know what I am up or down YTD. I'll let you know in about 20 years

[tomd37]

As a 77 year-old retiree I have a 50/50 asset allocation. YTD total is +7.02% which includes a 10% of total portfolio allocation to the VG REIT index fund which has done quite well this year.

[chaz]

I have a 50/50 AA. Not sure change since Jan.

[Sheepdog]

81 year old retiree, 24% stocks, 4.6% YTD

[Grt2bOutdoors]

Somewhere between 75-80% equity - up 8.6% ytd.

[LAlearning]

Dont know, dont care.

Re-balanced and trucked along.

[inbox788]

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%

Are you meeting or beating your risk adjusted return?

For reference YTD S&P500, Dow, Nasdaq and bonds/midcap/smallcap are up:

ARCX:SPY:+15.51|+8.40%
ARCX:DIA:+5.15|+3.11%
XNAS:QQQ:+11.44|+13.01%
ARCX:BND:+2.25|+2.81%
ARCX:VO:+10.44|+9.49%
ARCX:VB:+6.15|+5.59%

http://quotes.morningstar.com/chart/etf ... ctcode=COM

I'm most surprised by the almost 3% YTD in bonds, but that's because I probably track it the least.

[pennstater2005]

LSG fund, too lazy to check. Could someone google that for me

[gerrym51]

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%

Will you be starting a thread like this when you are down 10 percent for the year.


I remember the late ninties when i was up 30 percent 4 years in a row. things change-lol

[Midwest Dave]

Stocks 60%
Bonds 40%
+8.1%

[cfs]

I remember the late ninties when i was up 30 percent 4 years in a row. things change-lol

Yes Gerry, those were the FUN times, but "this time it is different."

Thanks for reading.

[Gropes & Ray]

How do you factor in recent contributions? Considering I only started saving 3 years ago, a significant percentage of my portfolio was invested after 1/1/14. My assets that were invested before 12/31/14 are up 7.4% (90/10 AA), but the money I invested on 7/1/14 isn't up very much.

[market timer]

I'm almost entirely in cash right now, but am up just over 20% ytd, mostly from Treasuries.

[LAlearning]

How do you factor in recent contributions? Considering I only started saving 3 years ago, a significant percentage of my portfolio was invested after 1/1/14. My assets that were invested before 12/31/14 are up 7.4% (90/10 AA), but the money I invested on 7/1/14 isn't up very much.

Search Bogle Wiki, site, and google for XIRR.

[Clearly_Irrational]

Small Cap Value 30%
Emerging Market 20%
Long US Treasuries 30%
Gold 20% (rotated with cash based on real interest rates)

Results YTD: +10.1%

Currently I'm beating my benchmark from portfolio inception to date but well within the expected range.

[katzmandu]

9.93% 93/7 split (yeah yeah, I know)

[Steelersfan]

60%/40% - up just under 7%.

I rebalanced a bit a few months ago to get back below 60% equities.

[placeholder]

I don't have an IRR type number but in total increase of portfolio (includes contributions) my 60/40 is about 8% higher.

[dolphinsaremammals]

Retiree, split between CDs at 2.5 to 3% annually and Wellesley mix of investor and admiral shares at so far for the year 6.50%.

[ruralavalon]

Retired.

50/50 asset allocation.

Overall YTD 7.60% -- per M* Portfolio Manager, which doesn't know how to figure in our Treasurys.

[linenfort]

I think I'm up. I feel up.

I don't have the stats, but of course my stock index funds are going gangbusters.
Long bonds - up, up, up.
munis - up
cash - you know, it's cash.
gold - not so hot, but less than 8% of the portfolio.
individual stocks - a few turkeys, but overall up a lot.

[Iorek]

No idea

[livesoft]

Some benchmarks can be found in the madsinger monthly report. But in the meantime:
YTD performance ending 8/25/2014
6.0% LifeStrategy Conservative Growth 40/60
6.6% LifeStrategy Moderate Growth 60/40
7.1% LifeStrategy Growth 80/20
5.5% DGSIX DFA Global allocation 60/40 (A good example of a small-cap and value-tilted slice-and-dice mutual fund)

[Peter Foley]

Since it is not mid year,, nor year's end and I am a long way from any rebalancing bands, I have no clue. Since I only own a couple of stock mutual funds, I could look up what I am up there. But that represents less than half my portfolio. One advantage of having a conservative portfolio ( based on need, or lack thereof) is one is not tempted to continually take one's pulse.

[SimpleGift]

• 50% Stock/50% Bonds
• Modest tilt to small and value
• 6.63% year-to-date

[berntson]

One of the best decisions I made was eliminating any easy way to track my portfolio's returns. I keep track of contributions and check my returns once at the end of the year using the XIRR function. This makes investing even more boring than it already was (a good thing!).

[fposte]

Roughly 70/30. I don't calculate, but I do notice when the gain in my inherited IRA exceeds the RMD, which it has (at least so far). I'll be sad when that trend stops.

[Quickfoot]

+8.72% (had to check, not something I worry about a lot), we are 70/20/10. LS 80/20 is +7.14%, LS 60/40 is +6.80% and LS 40/60 is +6.21%

20% Fixed
10% Reit
22% International
24% Large Cap Domestic
24% Mid Cap Domestic

[gkaplan]

I have no idea.

[cfs]

I don't know but I do care.

I don't know but I do care, not to be confused with the infamous I don't know and I don't care. Re-balanced our imperfect SWAN or sleep well at night portfolio after retiring in May with the rollover of the 401(k) to Vanguard. I no longer have the ability, willingness, or need to take extra risk. Current equity allocation is in the 35-40 and the bonds and cash reserves in the 60-65, the SWAN is currently doing fine, and I will know the total portfolio growth at the close of the market on 12/31/2014. Goals are capital preservation, loss prevention, and yearly gains of a few points above inflation.

Thanks for reading.

[Sidney]

I don't know but I do care.

I don't know but I do care, not to be confused with the infamous I don't know and I don't care. Re-balanced our imperfect SWAN or sleep well at night portfolio after retiring in May with the rollover of the 401(k) to Vanguard. I no longer have the ability, willingness, or need to take extra risk. Current equity allocation is in the 35-40 and the bonds and cash reserves in the 60-65, the SWAN is currently doing fine, and I will know the total portfolio growth at the close of the market on 12/31/2014. Goals are capital preservation, loss prevention, and yearly gains of a few points above inflation.

Thanks for reading.

Not sure what you mean by "a few points". I am 40/60 also. I am assuming ~2% real (although we will do fine with even less). Somewhere ~ zero for fixed income and maybe 3-4% for equity.

[cfs]

I don't know but I do care.

I don't know but I do care, not to be confused with the infamous I don't know and I don't care. Re-balanced our imperfect SWAN or sleep well at night portfolio after retiring in May with the rollover of the 401(k) to Vanguard. I no longer have the ability, willingness, or need to take extra risk. Current equity allocation is in the 35-40 and the bonds and cash reserves in the 60-65, the SWAN is currently doing fine, and I will know the total portfolio growth at the close of the market on 12/31/2014. Goals are capital preservation, loss prevention, and yearly gains of a few points above inflation.

Thanks for reading.

Not sure what you mean by "a few points". I am 40/60 also. I am assuming ~2% real (although we will do fine with even less). Somewhere ~ zero for fixed income and maybe 3-4% for equity.

Sidney, those are the numbers I am hoping for--above inflation--and IF we get more I will have no complaints.

Thanks for reading.

[Toons]

I don't know but it appears my investment portfolio is worth more than it was this time last year,,and I have been spending money along the way,,,,this is the way long term investing is supposed to work,,methinks

[serbeer]

75/25
+7.7%

[schmitz]

How do you guys calculate your ytd return percentage?

[daave]

Just hopped on to https://personal.vanguard.com/us/Perf, and it seems it will only give you 1-year returns as a %, not YTD.

[tigermilk]

With or without contributions? Makes a big difference, particularly if your balance is small. For myself, 100/0:

TSP
With contributions - +10%
Removing contributions - +7% (TSP S & I Funds dragging me down)

Vanguard
With contributions - +164%
Removing contributions - +18.7%

[zzcooper123]

Was 60/40, recently re-balanced to 50/50 with lots of muni bonds...which have been berry berry good to me. Probably up ~8% YTD. Stuck in lots of S&P500 fund...waiting til January 1, 2015 to tax gain harvest.

[galeno]

YTD = 5.2%

[gkaplan]

How do you guys calculate your ytd return percentage?

http://www.gummy-stuff.org/xirr.htm

http://www.gummy-stuff.org/XIRR-stuff.htm

[Pizzasteve510]

Removed

[xrw1]

For the people that have more conservative AA 75/25, 60/40, 50/50 (stock/bonds) how much are you guys titled to have higher YTD?

I am at 80/20 using mainly vanguard or fidelity equivalent 3 funds portfolio (I just started recently tilting) and I have a YTD shy of 7%

I am perplexed how a more conservative AA such as 60/40 and 50/50 are out pacing a more aggressive AA of 80/20

[Steelersfan]

For the people that have more conservative AA 75/25, 60/40, 50/50 (stock/bonds) how much are you guys titled to have higher YTD?

I am at 80/20 using mainly vanguard or fidelity equivalent 3 funds portfolio (I just started recently tilting) and I have a YTD shy of 7%

I am perplexed how a more conservative AA such as 60/40 and 50/50 are out pacing a more aggressive AA of 80/20

I'm 60%/40% and my bond funds are doing better than my stock funds because we're still in a falling interest rate environment.

When that changes, as surely it must, the bonds will be a drag on portfolio performance.

[dolphinsaremammals]

How do you guys calculate your ytd return percentage?

I have an Excel workbook that lists the value of my accounts and CDs at the end of each month. I have formulas in it that use the current value compared to what it was at the end of 2013 for various items.

I suppose it is unBogle to track this often, but it also gives me a handle on spending, tells me when CDs are maturing, and is a fraud check as I have to go look up balances.

[staythecourse]

Surprised to only see a few "who cares" answers. I am in the that category. Since I know it comes and goes like waves crashing over the rocks there is no point paying attention until I am 10 yr. out from retirement. At this point up 50% or down 50% would make no difference 20 yrs. later. Being excited about yearly returns in up markets are for those who need confirmation bias to strengthen their resolve.

Good luck.

[technovelist]

5.7% investment return YTD, as of last Friday. I keep track weekly.

[Christine_NM]

Stocks: 49%
Bonds: 51%

Up: 7.2%

Edited to update everything.

[madbrain]

Quicken says about 6% total return for the year. I have about 30% domestic equity, 30% foreign equity (including overweight EM), 8% junk bonds, 32% other bonds (muni, stable value, cash).
Just not too much change this year, but that's good.