What are you up YTD? [Year To Date]
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- Posts: 515
- Joined: Thu Mar 27, 2014 9:54 am
Re: What are you up YTD? [Year To Date]
for those that have all their money at Vanguard are you just calculating your personal return number yourself? Looks like Vanguard's personal return number is still as if the end of November for me and I am too lazy to calculate it on my own.
Re: What are you up YTD? [Year To Date]
52 YO still in accumulation phase
AA 72/28 With the Bond allocation split evenly between Muni and taxable bonds
Up 9.18% in 2016.
VTIAX was a big winner for me (My largest holding) and anything Intl was a drag. I also have a slight tilt towards Healthcare which didn't help.
My bond portfolio was down 1-2%. Hi Yield Corporate helped (up 4.28%) while VFIDX was down 2%. The rest were barely breakeven or down a bit.
AA 72/28 With the Bond allocation split evenly between Muni and taxable bonds
Up 9.18% in 2016.
VTIAX was a big winner for me (My largest holding) and anything Intl was a drag. I also have a slight tilt towards Healthcare which didn't help.
My bond portfolio was down 1-2%. Hi Yield Corporate helped (up 4.28%) while VFIDX was down 2%. The rest were barely breakeven or down a bit.
Re: What are you up YTD? [Year To Date]
2016 returns:wk522 wrote:Up 9.18% in 2016.
+4.67% VTIAX
-8.99% VGHCX
So if most of your funds were medicocre to down, how do you explain your up 9.18% performance? I gotta get some of that.
- elgob.bogle
- Posts: 734
- Joined: Fri Feb 29, 2008 12:29 pm
Re: What are you up YTD? [Year To Date]
Up 8.7% in 2016. Broke even last year, so our 2-year performance is "not-so-good". We have a bond-heavy portfolio.
elgob
elgob
- TheTimeLord
- Posts: 12130
- Joined: Fri Jul 26, 2013 2:05 pm
Re: What are you up YTD? [Year To Date]
Vanguard Admiral Shares as of 12/31/2016
VFIAX 11.93% (S&P 500)
VTSAX 12.66% (Total Market)
VIMAX 11.22% (Mid Cap)
VSMAX 18.30% (Small Cap)
VFWAX 4.73%(ex-US)
VEMAX 11.73% (Emerging Market)
VBTLX 2.60% (Total Bond)
VBILX 2.83% (Intermediate Bond)
VBIRX 1.49% (Short Term Bond)
VFIAX 11.93% (S&P 500)
VTSAX 12.66% (Total Market)
VIMAX 11.22% (Mid Cap)
VSMAX 18.30% (Small Cap)
VFWAX 4.73%(ex-US)
VEMAX 11.73% (Emerging Market)
VBTLX 2.60% (Total Bond)
VBILX 2.83% (Intermediate Bond)
VBIRX 1.49% (Short Term Bond)
IMHO, Investing should be about living the life you want, not avoiding the life you fear. |
Run, You Clever Boy! [9085]
Re: What are you up YTD? [Year To Date]
M* portfolio tracker says my return for 2016 was 9.7%
Not sure if that includes dividends or not (I think it does).
Not sure if that includes dividends or not (I think it does).
Re: What are you up YTD? [Year To Date]
If the dividends were reinvested (like in a tax-deferred account), tracking returns by price alone won't be accurate. Indexes recognize this aspect and usually provide two types of indexes: price and total return.
See the wiki: Index types
The S&P 500 index total return usually runs about 2% higher than the price return.*
Source: S&P 500® - S&P Dow Jones Indices, Additional info --> Monthly and Annual Returns --> Annual Total Returns tab (spreadsheet), Column F. (The spreadsheet has not yet been updated for 2016.)
* The S&P 500 price return is what you see on the news and is what we're predicting in the REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST.
See the wiki: Index types
The S&P 500 index total return usually runs about 2% higher than the price return.*
Source: S&P 500® - S&P Dow Jones Indices, Additional info --> Monthly and Annual Returns --> Annual Total Returns tab (spreadsheet), Column F. (The spreadsheet has not yet been updated for 2016.)
* The S&P 500 price return is what you see on the news and is what we're predicting in the REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST.
- ruralavalon
- Posts: 26353
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
If you are looking at a "total return" column on Morningstar portfolio manager, it does include dividends.feh wrote:M* portfolio tracker says my return for 2016 was 9.7%
Not sure if that includes dividends or not (I think it does).
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What are you up YTD? [Year To Date]
Yes, that's the column I'm looking at.ruralavalon wrote:If you are looking at a "total return" column on Morningstar portfolio manager, it does include dividends.feh wrote:M* portfolio tracker says my return for 2016 was 9.7%
Not sure if that includes dividends or not (I think it does).
So,what was the change in the S&P 500 index for the year (which does not include dividends)? I'm seeing S&P 500 funds returned just under 12% for the year. If the dividend was just about 2%, did the index change about 10% for the year?
- Aptenodytes
- Posts: 3786
- Joined: Tue Feb 08, 2011 7:39 pm
Re: What are you up YTD? [Year To Date]
Well, High-Yield Corporate was up 11.2%, not 4.3, so that would help boost the average. And VFIDX was up 4.0%, not down 2%, so maybe these numbers need a second look.livesoft wrote:2016 returns:wk522 wrote:Up 9.18% in 2016.
+4.67% VTIAX
-8.99% VGHCX
So if most of your funds were medicocre to down, how do you explain your up 9.18% performance? I gotta get some of that.
- ruralavalon
- Posts: 26353
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
For year to date, divide "investment returns" by "beginning balance". That will be roughly accurate if you are contributing/withdrawing roughly equal amounts every pay period, monthly, or on any other scheduled basis.cusetownusa wrote:for those that have all their money at Vanguard are you just calculating your personal return number yourself? Looks like Vanguard's personal return number is still as if the end of November for me and I am too lazy to calculate it on my own.
Last edited by ruralavalon on Mon Jan 02, 2017 1:23 pm, edited 1 time in total.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What are you up YTD? [Year To Date]
401k: +8.50%
Vanguard: +12.66%
401k:
Total Allocation: 73/27 Stock/Bond
Stock Allocation: 69/31 US/Intl
Vanguard:
Total Allocation: 100/0 Stock/Bond
Stock Allocation: 100/0 US/Intl
Combined Accounts:
Total Allocation: 80/20 Stock/Bond
Stock Allocation: 80/20 US/Intl
401k = 68% of total balance
Vanguard = 32% of total balance
Vanguard: +12.66%
401k:
Total Allocation: 73/27 Stock/Bond
Stock Allocation: 69/31 US/Intl
Vanguard:
Total Allocation: 100/0 Stock/Bond
Stock Allocation: 100/0 US/Intl
Combined Accounts:
Total Allocation: 80/20 Stock/Bond
Stock Allocation: 80/20 US/Intl
401k = 68% of total balance
Vanguard = 32% of total balance
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- Posts: 515
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Re: What are you up YTD? [Year To Date]
ruralavalon wrote:For year to date, divide "investment returns" by "beginning balance", subtract 1. That will be roughly accurate if you are contributing/withdrawing roughly equal amounts every pay period, monthly, or on any other scheduled basis.cusetownusa wrote:for those that have all their money at Vanguard are you just calculating your personal return number yourself? Looks like Vanguard's personal return number is still as if the end of November for me and I am too lazy to calculate it on my own.
That gives me 10.6%. I have a 75/25 AA with 40% of equities in international.
But we aren't contributing on any type of schedule. I am self employed and invest depending on cash flow of my business. Plus does that take into consideration timing and amount of dividends?
- oncorhynchus
- Posts: 196
- Joined: Fri May 23, 2014 2:30 pm
Re: What are you up YTD? [Year To Date]
Quicken IRR shows +9.04% for 2016 for my 75/25 tax-adjusted AA across my TSP, Roth IRA and taxable accounts.
I don't keep track of this so much to ensure fidelity to an index (not sure what the need is with only VTIAX/VTSAX/TSP G fund). Rather, I like to know how I'm doing in reality vs. the estimated average 5% annual rate of return in my retirement planning spreadsheet.
o
I don't keep track of this so much to ensure fidelity to an index (not sure what the need is with only VTIAX/VTSAX/TSP G fund). Rather, I like to know how I'm doing in reality vs. the estimated average 5% annual rate of return in my retirement planning spreadsheet.
o
-- Give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime. --
- ruralavalon
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- Location: Illinois
Re: What are you up YTD? [Year To Date]
No. It doesn't take timing into account, unless amounts intervals are regular.cusetownusa wrote:ruralavalon wrote:For year to date, divide "investment returns" by "beginning balance", subtract 1. That will be roughly accurate if you are contributing/withdrawing roughly equal amounts every pay period, monthly, or on any other scheduled basis.cusetownusa wrote:for those that have all their money at Vanguard are you just calculating your personal return number yourself? Looks like Vanguard's personal return number is still as if the end of November for me and I am too lazy to calculate it on my own.
That gives me 10.6%. I have a 75/25 AA with 40% of equities in international.
But we aren't contributing on any type of schedule. I am self employed and invest depending on cash flow of my business. Plus does that take into consideration timing and amount of dividends?
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What are you up YTD? [Year To Date]
Returns below are calculated using XIRR in Excel. My portfolio is heavily tilted to value, small, momentum, and profitability. 75% equities/15% fixed income/10% alternatives, market cap weights for domestic/intl developed/intl emerging equities.
Code: Select all
8.2% Overall
11.0% Equities
18.9% Domestic Equities Total
22.5% Domestic SCV (QSMLX)
16.4% TSP S Fund
1.7% International Equities Total
0.5% Intl Developed (QICLX and TSP I Fund)
6.4% Intl Emerging (QEELX)
3.0% Fixed Income Total
1.8% G Fund
4.9% Prepaid Cards
-0.3% QSPIX
Re: What are you up YTD? [Year To Date]
How has your experience with Quicken been?oncorhynchus wrote:Quicken IRR shows +9.04% for 2016 for my 75/25 tax-adjusted AA across my TSP, Roth IRA and taxable accounts.
Would you say it's worth it if I have Fidelity to track my returns?
It seems like the automatic download feature would be nice since I make a lot of trades.
I have been using Excel XIRR.
Re: What are you up YTD? [Year To Date]
100% stocks (76% all world, 12% domestic, 12% EM)
up 9.7% in 2016 (including dividends)
up 9.7% in 2016 (including dividends)
Re: What are you up YTD? [Year To Date]
The personal capital app tells me +9.0% for 2016.
- TomatoTomahto
- Posts: 17158
- Joined: Mon Apr 11, 2011 1:48 pm
Re: What are you up YTD? [Year To Date]
Not onchorhynchus, but recommend Quicken, especially if you trade. I don't trade much, but find it invaluable for tracking my covered and uncovered lots for specific-id.Cramerica wrote:How has your experience with Quicken been?oncorhynchus wrote:Quicken IRR shows +9.04% for 2016 for my 75/25 tax-adjusted AA across my TSP, Roth IRA and taxable accounts.
Would you say it's worth it if I have Fidelity to track my returns?
It seems like the automatic download feature would be nice since I make a lot of trades.
I have been using Excel XIRR.
I earlier reported Vanguard taxable of 3.8%, overall up 7.7% for the year across all accounts (401k, kids, etc).
I get the FI part but not the RE part of FIRE.
- resurgemus
- Posts: 22
- Joined: Fri Jan 01, 2016 10:45 pm
Re: What are you up YTD? [Year To Date]
Thanks! Didn't think of that.Alchemist wrote:You did quite well, but not as well as the S&P 500. The 9.5% is without dividends, with dividends it was close to 12%. For example, FUSVX (Fidelity 500) and VFIAX (Vanguard's S&P 500 index fund) both returned 11.9%.resurgemus wrote:9.74% on a 70/30 split. There's some REIT, SCV, Small Int'l, and EM in there, as well.
Can't complain. I think the SP500 was 9.5%? Nice to beat it with less risk.
Domestic 42%, Int'l 21%, REIT 7%, Fixed 30%
- oncorhynchus
- Posts: 196
- Joined: Fri May 23, 2014 2:30 pm
Re: What are you up YTD? [Year To Date]
My Quicken data file goes back 25 years, encompassing my entire investing history (IRR = 6.12%), well-documenting my highs and lows (literally). Nothing like being able to revisit my tech bubble history in excruciating detail to keep me on the straight and narrow.TomatoTomahto wrote:Not onchorhynchus, but recommend Quicken, especially if you trade. I don't trade much, but find it invaluable for tracking my covered and uncovered lots for specific-id.Cramerica wrote:How has your experience with Quicken been?oncorhynchus wrote:Quicken IRR shows +9.04% for 2016 for my 75/25 tax-adjusted AA across my TSP, Roth IRA and taxable accounts.
Would you say it's worth it if I have Fidelity to track my returns?
It seems like the automatic download feature would be nice since I make a lot of trades.
I have been using Excel XIRR.
I earlier reported Vanguard taxable of 3.8%, overall up 7.7% for the year across all accounts (401k, kids, etc).
Pros:
-- handles basic trading and reporting relatively well, across multiple providers and accounts
-- automated data download (except TSP, but pretty easy to update manually)
-- unlike online sites, doesn't commoditize my personal financial info for sale
Cons
-- 3 year sunset on download capabilities
-- poor support and some maddening bugs (jury's out on this improving with new owners)
-- While it has rudimentary asset allocation/rebalancing capabilities, they're not granular enough for my taste, so I supplement with an Excel spreadsheet. I also wish it would include an ability to track/highlight/report ERs and other fees
o
-- Give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime. --
Re: What are you up YTD? [Year To Date]
Kind of surprised at the results here. The market really soared towards the end of the year and I thought many people would do better than their ~8% average I am seeing here (guess a large % of bonds). Quite frankly, I thought that I would be underperforming the market (but just slightly), but quite happy to be above the average.
Re: What are you up YTD? [Year To Date]
So far for 2017, I'm dead even. Will update on Tuesday.
"I mean, it's one banana, Michael...what could it cost? Ten dollars?"
Re: What are you up YTD? [Year To Date]
~8% are the returns of several near 60/40 multi-asset index funds Vanguard:cheesepep wrote:Kind of surprised at the results here. The market really soared towards the end of the year and I thought many people would do better than their ~8% average I am seeing here (guess a large % of bonds). Quite frankly, I thought that I would be underperforming the market (but just slightly), but quite happy to be above the average.
7.13% VSMGX
8.77% VBIAX
6.95% VTWNX
7.48% VTTVX
So dial-up more US stocks and more value stocks and do better, but ~8% seems perfectly in line with expectations.
Re: What are you up YTD? [Year To Date]
I am around 8% too, not due to bonds (don't have a lot), but due to International. Oh well, the pendulum will swing back...cheesepep wrote:Kind of surprised at the results here. The market really soared towards the end of the year and I thought many people would do better than their ~8% average I am seeing here (guess a large % of bonds). Quite frankly, I thought that I would be underperforming the market (but just slightly), but quite happy to be above the average.
Re: What are you up YTD? [Year To Date]
Sorry, my largest holding was VTSAX, not VTIAX. Wrong symbol!livesoft wrote:2016 returns:wk522 wrote:Up 9.18% in 2016.
+4.67% VTIAX
-8.99% VGHCX
So if most of your funds were medicocre to down, how do you explain your up 9.18% performance? I gotta get some of that.
Re: What are you up YTD? [Year To Date]
401(k) : 9.86% - Target Retirement 2035 @Voya, no ticker
Roth IRA : 6.20% - 100% VBTLX (now, but was 100% VASIX until July then 65% VBTLX/35% VTSMX until October)
Taxable : 13.10% - 100% VTSAX (opened in July, this number is XIRR)
HSA : 7.34% - 80% VDAIX / 20% VBLTX until December, now 100% VDAIX, will be liquidated in January because of custodian change. Started investing it on Brexit day (!!)
Roth IRA : 6.20% - 100% VBTLX (now, but was 100% VASIX until July then 65% VBTLX/35% VTSMX until October)
Taxable : 13.10% - 100% VTSAX (opened in July, this number is XIRR)
HSA : 7.34% - 80% VDAIX / 20% VBLTX until December, now 100% VDAIX, will be liquidated in January because of custodian change. Started investing it on Brexit day (!!)
Re: What are you up YTD? [Year To Date]
Vanguard personal performance of all accounts says 2016 was 13.9% which should be similar to everyone else. Plenty of bonds and crummy stocks in there which pulled me down I guess.
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Re: What are you up YTD? [Year To Date]
My 2016 returns were 9.37% with a 90/10 portfolio. Cannot complain!
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
OK you can call it what you want but market timing is very unBoglehead.island wrote:Sure, but not all are 100% index. Some hold other investments from before discovering indexing, don't have index funds in their 401Ks, or inherited other options, and some choose variety including managed funds, individual stocks, annuities, etc. Bogleheadland is inclusive.Uncle Pennybags wrote:Really? Do we all not all index invest unsung asset allocation? I would not call the timing trolls "Bogleheads".island wrote:Not all Bogleheads are the same
Re: What are you up YTD? [Year To Date]
Total portfolio return for 2016, excluding contributions, was 11.88%.
We are not 3 Fund portfolio adherents; it's complicated by what I can buy via the employer plan; what DH can buy retail at low fees; and also by our preference to tilt to tech and biotech index funds to goose a bit of growth, since we feel that domestic S&P 500 and real estate are at all-time highs. So this is our construct; current allocation: 80/10/10
- 40% US Domestic Stock (FSKAX)
- 20% International (10% FSPNX & 10% FKEMX)
- 10% Real Estate Investment Trusts, REIT (VGSNX)
- 5% NASDAQ Index fund (FBSOX)
- 5% Biotech Index (FBIOX)
- 10% Bond Index (FINPX)
- 10% Cash fund (FDRXX)
Still pretty easy to manage, since we only re-allocate when any one fund is +/- a 5% range.
We are not 3 Fund portfolio adherents; it's complicated by what I can buy via the employer plan; what DH can buy retail at low fees; and also by our preference to tilt to tech and biotech index funds to goose a bit of growth, since we feel that domestic S&P 500 and real estate are at all-time highs. So this is our construct; current allocation: 80/10/10
- 40% US Domestic Stock (FSKAX)
- 20% International (10% FSPNX & 10% FKEMX)
- 10% Real Estate Investment Trusts, REIT (VGSNX)
- 5% NASDAQ Index fund (FBSOX)
- 5% Biotech Index (FBIOX)
- 10% Bond Index (FINPX)
- 10% Cash fund (FDRXX)
Still pretty easy to manage, since we only re-allocate when any one fund is +/- a 5% range.
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Re: What are you up YTD? [Year To Date]
Total return 8.65% - 90% in equities.
Re: What are you up YTD? [Year To Date]
Now my VG says 10.4% as of 12/30/16. Cool.BW1985 wrote:I don't track this but VG 'balances over time' says 7.3% for 1 year. Not sure how accurate that is, it also includes my EF which is cash sitting in a money market.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?
Re: What are you up YTD? [Year To Date]
Yep. 10.3% for 2016 per Vanguard. 50/50 split of VTI and VXUS.
- Phineas J. Whoopee
- Posts: 9675
- Joined: Sun Dec 18, 2011 5:18 pm
Re: What are you up YTD? [Year To Date]
0%, as of 2:45 PM Eastern today.
PJW
PJW
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Re: What are you up YTD? [Year To Date]
+12.36% That's exclusively trading bond funds. The previous two years was easier to best the S&P thanks to junk munis. In 2016 barely beat the S&P thanks to bank loans and junk corporates. The later two and emerging market bonds are about all that is left standing in Bondville and emerging markets bonds are too volatile for my methodology. Haven't a clue how 2017 will unfold and not very confident in beating the S&P unless it has a negative year. Best wishes to everyone for a prosperous 2017!
Edit: I try and keep my drawdowns under 1%. That necessitated a lot of trading in the first half of the year but very little the second half because of the trend persistency in the floating rate funds.
Edit: I try and keep my drawdowns under 1%. That necessitated a lot of trading in the first half of the year but very little the second half because of the trend persistency in the floating rate funds.
Last edited by Trader/Investor on Tue Jan 03, 2017 7:14 pm, edited 1 time in total.
- Doom&Gloom
- Posts: 5417
- Joined: Thu May 08, 2014 3:36 pm
Re: What are you up YTD? [Year To Date]
Phineas J. Whoopee wrote:0%, as of 2:45 PM Eastern today.
PJW
-
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- Joined: Sun Dec 08, 2013 11:26 pm
Re: What are you up YTD? [Year To Date]
+12.6% for 2016, excluding 2016 additions. 70/30 stock:bond. 25% of stocks international. Slices of REIT, SCV, Biotech/Health, and Muni Bonds.
-
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- Joined: Thu Mar 01, 2007 2:29 pm
Re: What are you up YTD? [Year To Date]
Arsenal not looking so good right now.arsenalfan wrote:+12.6% for 2016, excluding 2016 additions. 70/30 stock:bond. 25% of stocks international. Slices of REIT, SCV, Biotech/Health, and Muni Bonds.
"The first principle is that you must not fool yourself and you are the easiest person to fool" --Feynman.
Re: What are you up YTD? [Year To Date]
61/39. Up 9.64 for 2016.
Tim
Tim
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Re: What are you up YTD? [Year To Date]
Nonsense. They are on target for the Arsenal Trophy - 4th place!Buddtholomew wrote:Arsenal not looking so good right now.arsenalfan wrote:+12.6% for 2016, excluding 2016 additions. 70/30 stock:bond. 25% of stocks international. Slices of REIT, SCV, Biotech/Health, and Muni Bonds.
Arsenal is a metaphor for my international holdings. Really, really pulling for them but tempering expectations because they always disappoint...If only there were a 4th place trophy...
Re: What are you up YTD? [Year To Date]
2016 was another good year for us. We ended up 7.4% excluding our contributions. Our mix is 48% stock and 52% fixed income. There were 3 months, where the monthly investment returns totaled more than our total annual contributions. I know it doesn't mean much but it is something I watch for kicks and giggles.
- mister_sparkle
- Posts: 339
- Joined: Wed Dec 11, 2013 4:58 pm
- Location: North Carolina
Re: What are you up YTD? [Year To Date]
2016 was a Good Year for me:
Up 9.02% overall -- 2.97% of that dividends and 6.06% investment performance. I do a simple calculation based on YE 2015 balance change, so doesn't take into account increase on any contributions made during the year.
Up 9.02% overall -- 2.97% of that dividends and 6.06% investment performance. I do a simple calculation based on YE 2015 balance change, so doesn't take into account increase on any contributions made during the year.
Re: What are you up YTD? [Year To Date]
2016 XIRR: 9.8%
Asset Allocation:
TBM - 14%
TIPS - 9%
LB - 40.5%
SV - 13.5%
ILB - 14%
ISB - 9%
Beat our benchmarks by ~1%.
Asset Allocation:
TBM - 14%
TIPS - 9%
LB - 40.5%
SV - 13.5%
ILB - 14%
ISB - 9%
Beat our benchmarks by ~1%.
- quantAndHold
- Posts: 10141
- Joined: Thu Sep 17, 2015 10:39 pm
- Location: West Coast
Re: What are you up YTD? [Year To Date]
2016 XIRR 10.51%
Basically a 70/30 portfolio. Emerging markets were good to me this year.
Basically a 70/30 portfolio. Emerging markets were good to me this year.
Re: What are you up YTD? [Year To Date]
2016 XIRR 8.9%
60/40 portfolio
Scanning it looks about typical. Index funds are like that.
60/40 portfolio
Scanning it looks about typical. Index funds are like that.
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.
Re: What are you up YTD? [Year To Date]
2016 Up 12.68%
VTI 50%
VXUS 25%
VNQ 12.5%
BND 12.5%
VTI 50%
VXUS 25%
VNQ 12.5%
BND 12.5%
- Christine_NM
- Posts: 2796
- Joined: Tue Feb 20, 2007 12:13 am
- Location: New Mexico
Re: What are you up YTD? [Year To Date]
For 2016 up 9.0% according to Vanguard Personal Performance
AA ex cash:
54% US stocks
46% US bonds
AA ex cash:
54% US stocks
46% US bonds
16% cash 49% stock 35% bond. Retired, w/d rate 2.5%
Re: What are you up YTD? [Year To Date]
1.43% so far for 2017.