What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
thefireguy
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Re: What are you up YTD? [Year To Date]

Postby thefireguy » Wed Jan 04, 2017 1:13 am

Per Mr. Longinvest's spreadsheet: 2016 YTD = 7.74%

Current Asset Allocation -we're in our late 20's:
66% US Stocks
25% Intl Stocks
7% Bonds
2% Cash/Other

Current Expense Ratio ~ 0.38%. I am slowing working my way out of mutual funds into index funds in my 401K and hope to get my weighted avg. expense ratio close to 0.30% by the end of the year.

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

Postby Uncle Pennybags » Wed Jan 04, 2017 2:46 pm

OMG, way more today than yesterday. All aboard the "Train" choo-choo. :moneybag

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

Postby meowcat » Wed Jan 04, 2017 4:43 pm

100% Equity
IRA: 11.6%
401(K): 15.93%
More people should learn to tell their dollars where to go instead of asking them where they went. | -Roger Babson

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

Postby jordank » Wed Jan 04, 2017 5:23 pm

Using XIRR in excel, and accounting for the contributions I have made during the year as well (I *think* I am doing the calculations right...). Dividends were re-invested and are included in the calculation.

2016 XIRR = +6.92%

Asset allocation :

VGSLX 7.50%
VBTLX 20.00%
VTABX 5.00%
VFWAX 22.50%
VTSAX 45.00%

Not sure where exactly in the VG portal to look for the numbers others are reporting, my statement seems to split it up into yield+dividends, so hard to find any 'overall' number that makes sense to me...

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

Postby boglephreak » Wed Jan 04, 2017 5:24 pm

found bogleheads around march/april of this year. was in all actively managed funds in 401k previously. immediately switched over to S&P 500 index fund at 0.5% ER. in june 2016, convinced firm to switch to fidelity's spartan S&P 500 fund at 0.05% ER. in october 2016, convinced firm to add additional fidelity spartan funds to complete the three-fund portfolio (or at least mimic it), including extended market, international and bond. moved about 20% of money into extended fund immediately. later decided to re-allocate a portion to international (about 15% of total) after i decided to avoid the tax drag in taxable account.

long story short, YTD is 11.1% from my 401k alone. we have int'l in a taxable account and bonds in my wife's 401k that will drag that down to about 10% i am guessing, but am not as sophisticated as others in here to calculate. we are 70 (US) / 20 (Int'l) / 10 (bonds) AA.

the biggest difference this year is probably the beardstown approach though. we went from only maxing out our 401ks and paying down our mortgage to maxing out 401ks and backdoor Roth IRAs and investing in taxable (we also did a no-cost re-fi to bring the mortgage to 2.75%, but stopped paying it down). the beardstown approach would probably have a ROR of about 50% or so despite the fact that i have had my 401k for about a decade.

looking forward to future returns of a solely boglehead approach to investing.

also, wanted to give a big thanks to the forum members who helped out so much. i have learned so much in my short time here. looking forward to another year of learning even more.

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grap0013
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Re: What are you up YTD? [Year To Date]

Postby grap0013 » Wed Jan 04, 2017 5:29 pm

2016: 17%+

I had to suffer some minor SCV tracking error and some major EM value tracking error to earn it. EM value has sucked relative to EM and it really has sucked compared to basically everything else for a while. SFENX +31.89% in 2016 while VWO +11.55%. Tracking error works both ways. :wink:

The big slug of SCV helped too as well as front loading 401K contributions when the market was down early in 2016.

Current portfolio:

SCV
35% VSIAX
7% QSMLX

iSCV
18% SFILX

EMV
10% SFENX
10% QEELX
4% DGS

ALT
16% QSPIX
There are no guarantees, only probabilities.

randomtask2005
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Re: What are you up YTD? [Year To Date]

Postby randomtask2005 » Wed Jan 04, 2017 5:56 pm

I have a 401k with TRowePrice so some of the investments are screwy.

Current Allocation:
77.2% State Street Small Mid Cap Index NLC (tracks the Russell Small Cap Completeness Index) - CMZ12
22.7% Vanguard Total Bond Market Index Inst - VBTIX
0.1% in Company stock (will rebalance out)

Expense ratios:
State Street Small Mid Cap Index NLC - 0.06%
Vanguard Total Bond Market Index Inst - 0.05%

Combined ER: 0.05767%

2016 Annual Return: 12.09%
Return in the first two trading days of 2017: 2.01% (go figure)


While following Bogle's strategy is an excellent way to invest, I prefer a more hands on approach. I believe that to be "rich" you have to treat money management as a job and constantly monitor it. A "Hands-off" strategy is no excuse for not constantly reevaluating your investment plan based on knowledge you aquire.

As such, I dollar cost average my stock holding (small/mid cap) with an expected quarterly growth rate of 3%. All my 401k contributions are initially allocated to bonds to reduce overexposure to stocks. In the first week of each quarter I re-balance my stock holding to be equal to 3% growth of the stock holdings plus 50% of the quarterly contributions to the 401k.

I ran the math today and I expect that I will be reducing my allocation to 75% small/mid cap and 25% bond (for quarterly dip-buying/gain-harvesting) by 1/9/2017...or whatever my spreadsheet tells me to do. Even if I disagree with the decision. Leaving some on the table is worth losing much more by not following the plan.

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

Postby sharpjm » Wed Jan 04, 2017 6:07 pm

Up 8.2% in 2016 overall

Up 8.1% in main account with ~60% equities, 20% TIAA Traditional, 20% TIAA Real Estate

Up 8.3% in WSB account with a handful of active trades throughout the year. Was much higher before election; should have hedged. :oops:

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

Postby cheesepep » Wed Jan 04, 2017 7:47 pm

Up 0.474% so far for 2017! I'm fearful of a market crashing.

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

Postby LibertyLover » Wed Jan 04, 2017 8:25 pm

For 2016:

+11.7%

100% stocks

Over the average with small cap and emerging market allocations.
Under the average with international developed and a few US funds I got rid off earlier in the year from pre-bogleheads.

Current portfolio:

SC (will bring up to 50%)
16% BRSIX
22% VSCIX

iSCV
15% FSIVX
Moving in chunks to avoid fees to SFILX for international small cap exposure

EMV (eventually will get down to 35%)
47% DFEVX

Portfolio is a bit out of alignment due to an oddly timed rollover. This is not what it looked like most the year.
Last edited by LibertyLover on Wed Jan 04, 2017 8:53 pm, edited 1 time in total.

randomtask2005
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Re: What are you up YTD? [Year To Date]

Postby randomtask2005 » Wed Jan 04, 2017 8:29 pm

LibertyLover wrote:For 2016:

+11.7%

100% stocks

Over the average with small cap and emerging market allocations.
Under the average with international developed and a few US funds I got rid off earlier in the year from pre-bogleheads.


You may want to consider allocating some portion of your stocks into bonds or other FI class to use as a "buying power fund" to take advantage of market corrections and then harvesting the gains back into FIs quarterly.

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

Postby madbrain » Wed Jan 04, 2017 8:51 pm

According to Quicken, I ended 2016 at :
26% international stocks (18% total international, 8% emerging markets)
26% domestic stocks (16% large cap, 10% small cap)
40% domestic bonds (including 35% investment grade, 5% high-yield)
8% cash

Total return, again according to Quicken : 6.91%

Up 1.09% in 2017 already in the first 2 trading days, I hope all other days of the year are like these ;)

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

Postby Earl Lemongrab » Wed Jan 04, 2017 9:41 pm

My "Beardstown" growth was nearly 20% for 2016 (approximate as I didn't take a snapshot until 1/19/2016, so I had to interpolate a bit). I should write a book!

Edited to add:

I was trying to come up with a Beardstown Ladies ditty (to Camptown Races of course) but that ain't my strength, so checked to see if anyone did already.

Beardstown Ladies sing this song
Uh-oh! Uh-oh!
Beardstown's record went way wrong
Oh it just don't pay!
Royalties come all night
Royalties come all day
Swear it was all a big mistake
We'll eat crow today

Beardstown Ladies sing this song
Doo-dah doo-dah
Ladies got their numbers wrong
All the doo-dah day.
Thought they’d seen the light
Thought they’d found the way
Trust your money to the amateurs
Somebody’s going to pay
This week's fortune cookie: "You will enjoy doing something spontaneous this weekend." Apparently that meant working on a dead PC, but I didn't enjoy that much.

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grap0013
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Re: What are you up YTD? [Year To Date]

Postby grap0013 » Thu Jan 05, 2017 8:28 am

randomtask2005 wrote:
LibertyLover wrote:For 2016:

+11.7%

100% stocks

Over the average with small cap and emerging market allocations.
Under the average with international developed and a few US funds I got rid off earlier in the year from pre-bogleheads.


You may want to consider allocating some portion of your stocks into bonds or other FI class to use as a "buying power fund" to take advantage of market corrections and then harvesting the gains back into FIs quarterly.


That's a mental warm fuzzy approach. Logically and historically 100% equities have returned the most. If LibertyLover can handle 100% equities mentally then there is no need for him/her to hold bonds.
There are no guarantees, only probabilities.

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

Postby themesrob » Thu Jan 05, 2017 1:14 pm

for 2016, per the (fantastic) longinvest spreadsheet: +12.7%. (~95% equities, with a small cap tilt. VSIAX was the major driver.)

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

Postby letsgobobby » Thu Jan 05, 2017 1:57 pm

why don't we start a new one of these threads each calendar year? This is getting kind of silly.

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grap0013
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Re: What are you up YTD? [Year To Date]

Postby grap0013 » Thu Jan 05, 2017 2:39 pm

letsgobobby wrote:why don't we start a new one of these threads each calendar year? This is getting kind of silly.


Ha ha, maybe we should start a new "US stocks in freefall" thread while we are at it!

I think we should convert this thread into an absolute $$ lifetime cumulative returns thread! :twisted:
There are no guarantees, only probabilities.

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

Postby Pajamas » Thu Jan 05, 2017 9:13 pm

3.33% but the week ain't over yet! :moneybag

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

Postby dsmil » Thu Jan 05, 2017 11:13 pm

12.5% in 2016. I got some help because I made all of my Roth contributions on literally the market low for the year, Feb. 11th. Thanks to Bob Brinker and his buy signal email!

44% Total US
20% Total International
10% REIT
9% Small Cap Value
7% Emerging
10% Total Bonds

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

Postby tarheel » Fri Jan 06, 2017 6:00 am

grap0013 wrote:2016: 17%+

I had to suffer some minor SCV tracking error and some major EM value tracking error to earn it. EM value has sucked relative to EM and it really has sucked compared to basically everything else for a while. SFENX +31.89% in 2016 while VWO +11.55%. Tracking error works both ways. :wink:

The big slug of SCV helped too as well as front loading 401K contributions when the market was down early in 2016.

Current portfolio:

SCV
35% VSIAX
7% QSMLX

iSCV
18% SFILX

EMV
10% SFENX
10% QEELX
4% DGS

ALT
16% QSPIX


Just imagine if you had none of that silly blackbox QSPIX fund, grap. :)

Congrats on a great year! You cleaned my clock at least: 7.2%.

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grap0013
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Re: What are you up YTD? [Year To Date]

Postby grap0013 » Fri Jan 06, 2017 8:20 am

tarheel wrote:
Just imagine if you had none of that silly blackbox QSPIX fund, grap. :)

Congrats on a great year! You cleaned my clock at least: 7.2%.


I know, I'm 32 basis points away from having to buy more QSPIX. Don't confuse strategy with outcome! I'm going to buy more even if it's painful. I know it will be up again at some point when my other holdings are down.

As I recall you are heavy into AQR funds. I see on the fama-french factor website that beta, small, and value all had big premiums in 2016. I'm guessing momentum was negative that's why AQR funds did less well than their non-AQR counterparts? Do you know where to find that momentum info.?
There are no guarantees, only probabilities.

inbox788
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Re: What are you up YTD? [Year To Date]

Postby inbox788 » Fri Jan 06, 2017 3:35 pm

Pajamas wrote:3.33% but the week ain't over yet! :moneybag

I'm only up 1.8% YTD :( Wait, that doesn't include today... :happy I hope this rate continues for the rest of the year! :D

ValueInvestor99
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Re: What are you up YTD? [Year To Date]

Postby ValueInvestor99 » Sat Jan 07, 2017 1:58 pm

My results for 2016

100% stocks
0% bonds

6% Capital gains (I tried to minimize this by realizing major losses)

10% Dividend and interest

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

Postby tnbison » Tue Jan 17, 2017 4:26 pm

Finally got around to figuring this. Returns for as of end of 2016.

Trailing portfolio return (time-weighted return, comparable return)
YTD 24.47%
3 years* 15.84%
5 years* 18.26%

*Annual compound return

I'm heavily tilted toward employer stock.

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

Postby sschullo » Tue Jan 17, 2017 5:11 pm

Overall portfolio return: 5.9%

Age 69
31%/68% stock-bond split. Wellesley and Extended Market index provides a tilt towards value and small and mid-cap stocks.

Image

Image

Image
Last edited by sschullo on Tue Jan 17, 2017 5:15 pm, edited 1 time in total.
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ray.james
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Re: What are you up YTD? [Year To Date]

Postby ray.james » Tue Jan 17, 2017 5:13 pm

2016 has been awesome. 13.3%

20% bonds -( Now 30% bonds - new money went here.)
40% international(50-50 large-small) ( now 35%)
40% VTI (now 35%)
Switched 50% of international to emerging markets at Jan end, when they hit under 12 P/E. They are now back to their regular allocation.
When in doubt, http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939

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

Postby TheTimeLord » Wed Feb 01, 2017 7:38 am

Beardstown ladies worked hard through the night to come up with the first monthly reading of UP 1.05%.
Run, You Clever Boy!

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

Postby Uncle Pennybags » Sun Feb 05, 2017 10:11 am

dsmil wrote:12.5% in 2016. ... Thanks to Bob Brinker and his buy signal email!
Did Brinker see his shadow? Inquiring minds want to know.

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

Postby goingup » Sun Feb 05, 2017 11:27 am

I have become dubious about these self-reports since learning many don't include their cash holdings in return totals. It's like weighing yourself but taking off your feet first. :wink:

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

Postby ruralavalon » Sun Feb 05, 2017 11:32 am

goingup wrote:I have become dubious about these self-reports since learning many don't include their cash holdings in return totals. It's like weighing yourself but taking off your feet first. :wink:

Some people who say that their investing portfolio is 100% stocks turn out to have an "emergency fund" with enough cash to cover several years worth of expenses.

Another reason to be dubious is that some people (aka Beardstown Ladies) count their contributions as part of being "up YTD", and are not actually reporting portfolio returns at all.
Last edited by ruralavalon on Sun Feb 05, 2017 11:38 am, edited 1 time in total.
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sschullo
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Re: What are you up YTD? [Year To Date]

Postby sschullo » Sun Feb 05, 2017 11:37 am

ruralavalon wrote:
goingup wrote:I have become dubious about these self-reports since learning many don't include their cash holdings in return totals. It's like weighing yourself but taking off your feet first. :wink:

Some people who say that their investing portfolio is 100% stocks turn out to have an emergency fund with enough cash to cover several years worth of expenses.


I think when they report the stock bond split, the return is consistent to my portfolio return. I know how my portfolio is constructed.
Public School K-12 Educators: "Ask NOT what your annuity sales person can do for you, ask what you can do to be a Do-It-Yourselfer (DIY)."

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

Postby Uncle Pennybags » Sun Feb 05, 2017 5:16 pm

goingup wrote:I have become dubious about these self-reports since learning many don't include their cash holdings in return totals. It's like weighing yourself but taking off your feet first. :wink:
I don't include the cash in my pocket, checking or savings account in the calculation; I do include the cash in my money market account. I don't count the cash value of my life insurance policies ether; so what is "cash"?

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

Postby TroyMcClure » Mon Feb 06, 2017 4:44 am

My results for 2016:

Overall portfolio IRR +6.7%
(AA 70-30, EU investor, age 37)

I see people congratulating themselves on a good year 2016, I hope they're all in retirement.
Personally at this stage of my life I only see prices going up and am thinking "this is expensive, I hope this goes down soon".

TomCat96
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Re: What are you up YTD? [Year To Date]

Postby TomCat96 » Mon Feb 06, 2017 12:02 pm

For the 12 months ending 1/31/2017:
15.46%
For 2016:
12.76%

My AA:
-----
S&P 500: 33%
Mid Cap: 9%
Dow TSM: 58%

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

Postby ray.james » Tue Feb 07, 2017 8:08 pm

MnD wrote:2016 XIRR = +9.3%
Benchmark return= +6.9%, so I beat my benchmark by 2.4 percentage points
2016 asset allocation = 75% Global market cap stocks, 25% fixed income and cash.

2016 Benchmark was 75% Total World stock market (VT), 20% Total Bond Market (BND) and 5% Money Market Prime (VMMXX).

2016 XIRR by account:
His 401-K +7.2%
His taxable +7.9%
His t-IRA +16.8%%
Her 401-K +12.2%
Her t-IRA +12.1%
Her r-IRA +16.5%%
Her ESOP +109% (balance less than 1% of investment net worth)

2015 I lagged my benchmark by 0.4 percentage points, -1.8% versus -1.4% for benchmark
2014 I lagged my benchmark by 2.5 percentage points, 1.1% versus 3.6% for benchmark
2013 I beat my benchmark by 2.3 percentage points, 19.3% versus 17.0% for benchmark
2012 I beat my benchmark by 2.2 percentage points, 16.2% versus 14.0% for benchmark
2011 I lagged benchmark by 4.8 percentage points, -8.5% versus -3.7% for benchmark
2010 I beat my benchmark by 2.4 percentage points, 15.0% versus 12.6% for benchmark
2009 I beat my benchmark by 9.4 percentage points, 37.4% versus 28.0% for benchmark
2008 I lagged benchmark by 3.5 percentage points, -35.1% versus -31.6% for benchmark


Is your benchmark different from your allocation or your intended slice and dice is meant to match a specific VTI-BND combo risk ratio?
When in doubt, http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939

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

Postby MnD » Sat Feb 11, 2017 10:32 am

ray.james wrote:
MnD wrote:2016 XIRR = +9.3%
Benchmark return= +6.9%, so I beat my benchmark by 2.4 percentage points
2016 asset allocation = 75% Global market cap stocks, 25% fixed income and cash.

2016 Benchmark was 75% Total World stock market (VT), 20% Total Bond Market (BND) and 5% Money Market Prime (VMMXX).

2016 XIRR by account:
His 401-K +7.2%
His taxable +7.9%
His t-IRA +16.8%%
Her 401-K +12.2%
Her t-IRA +12.1%
Her r-IRA +16.5%%
Her ESOP +109% (balance less than 1% of investment net worth)

2015 I lagged my benchmark by 0.4 percentage points, -1.8% versus -1.4% for benchmark
2014 I lagged my benchmark by 2.5 percentage points, 1.1% versus 3.6% for benchmark
2013 I beat my benchmark by 2.3 percentage points, 19.3% versus 17.0% for benchmark
2012 I beat my benchmark by 2.2 percentage points, 16.2% versus 14.0% for benchmark
2011 I lagged benchmark by 4.8 percentage points, -8.5% versus -3.7% for benchmark
2010 I beat my benchmark by 2.4 percentage points, 15.0% versus 12.6% for benchmark
2009 I beat my benchmark by 9.4 percentage points, 37.4% versus 28.0% for benchmark
2008 I lagged benchmark by 3.5 percentage points, -35.1% versus -31.6% for benchmark


Is your benchmark different from your allocation or your intended slice and dice is meant to match a specific VTI-BND combo risk ratio?


I have 18 positions that are constrained in my IPS to "75% equity with US/international split at global market cap split and 25% fixed income+cash.
The benchmark of 75% VT, 20% BND and 5% MM cash was the simplest real portfolio I could think of to meet the IPS. I compare to that benchmark to assess if my 18 position portfolio is helping, hurting or not much difference from a 2-fund portfolio plus 5% cash. The 18 positions are not all by choice due to significant limitations of offerings in our 401-K's and the needs to fill in elsewhere, stranded tax gain positions etc. But about 8 positions are divergent from pure indexing by choice so i like to keep tabs on what impact that has for better or for worse.

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

Postby letsgobobby » Sat Feb 11, 2017 10:55 am

TroyMcClure wrote:My results for 2016:

Overall portfolio IRR +6.7%
(AA 70-30, EU investor, age 37)

I see people congratulating themselves on a good year 2016, I hope they're all in retirement.
Personally at this stage of my life I only see prices going up and am thinking "this is expensive, I hope this goes down soon".

totally agree.

Grt2bOutdoors
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Re: What are you up YTD? [Year To Date]

Postby Grt2bOutdoors » Sat Feb 11, 2017 11:00 am

letsgobobby wrote:
TroyMcClure wrote:My results for 2016:

Overall portfolio IRR +6.7%
(AA 70-30, EU investor, age 37)

I see people congratulating themselves on a good year 2016, I hope they're all in retirement.
Personally at this stage of my life I only see prices going up and am thinking "this is expensive, I hope this goes down soon".

totally agree.


I've been rebalancing lately, don't know how much longer this party can continue.
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions

jstrange1970
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Re: What are you up YTD? [Year To Date]

Postby jstrange1970 » Sat Feb 11, 2017 11:00 am

It strikes me that this entire thread isn't very 'Bogle'. Where's the long term focus? I don't care where I am YTD and I'm not going to change anything until I get to my next rebalance evaluation date and look at whether or not I need to rebalance or make adjustments in contribution percentages going forward. Not to be critical but sounds like some of you all need to "zoom out" on your results a bit.

Shape of the curve since I decided to change my life and get very serious about saving in early 2009 (today, I'd call it Bogle/Mustachian):

y = 2E-09e0.0008x
R² = 0.987

Tells me I'm on the right track to retire any time I'm ready after age 55.

hulburt1
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Re: What are you up YTD? [Year To Date]

Postby hulburt1 » Tue May 09, 2017 12:27 pm

95+stock have Facebook up 21% or $220000-enough to live on for 4 years.

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

Postby itstoomuch » Tue May 09, 2017 7:45 pm

jstrange1970 wrote:It strikes me that this entire thread isn't very 'Bogle'. [ :thumbsup :thumbsup :thumbsup ]Where's the long term focus? I don't care where I am YTD and I'm not going to change anything until I get to my next rebalance evaluation date and look at whether or not I need to rebalance or make adjustments in contribution percentages going forward. Not to be critical but sounds like some of you all need to "zoom out" on your results a bit.

Shape of the curve since I decided to change my life and get very serious about saving in early 2009 (today, I'd call it Bogle/Mustachian):

y = 2E-09e0.0008x
R² = 0.987

Tells me I'm on the right track to retire any time I'm ready after age 55.

LOL :oops:
I don't even play this. Meaningless without more details of what are the objectives. Even my deferred annuities are up ~ 2.5%, fiscal year ending late Nov. Net fees, too. :annoyed
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Re: What are you up YTD? [Year To Date]

Postby ruralavalon » Wed May 10, 2017 9:59 am

Retired, age 71, asset allocation is 50/50.

Total Return is up 4.47% year to date.

Best fund so far is Vanguard Total International Stock Index Fund, up 12.34%.

No, this thread is not very "Bogle", but still interesting.
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Re: What are you up YTD? [Year To Date]

Postby JD2775 » Wed May 10, 2017 10:15 am

My 401K is up 6.2% YTD

I am kicking myself though because the best performing fund I have, is the one I dropped from 20% to 10% allocation during the last half of 2016. International Stock Index Fund. Oh well.

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

Postby NiceUnparticularMan » Wed May 10, 2017 10:38 am

No clue, I never calculate such a thing.

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

Postby Portfolio7 » Wed May 10, 2017 1:28 pm

I guess this is a test of how Bogle-ish you really are. Or, it could be a reflection of how well you know yourself, and your tendency to jump ship.

I am a 'tracker', I know I'm up about 6.7% YTD as of May 10th 2017, with a 70/30 portfolio at age 50. Slice and dice portfolio with value and size tilts. Context is important if I wish to attach any significance to any of this input. That said, I also know that my results are in the range of what I should expect given my AA, & given YTD indexes.

This run rate is also consistent with my 2017 YE S&P500 prediction for the ongoing contest!

I think this thread does a number of things:
- People like me like to know we are reasonably on track, and not wandering in the desert of unrecognized error.
- It provides further evidence that even folks with similar AA can get somewhat varying results. Relax...
- It shows that a static buy and hold portfolio continues to succeed (especially if you compare to a range of TAA portfolios.)
- It allows us to pat ourselves on the back for a well considered and implemented investment approach.

I would like to know why other people track their data, why they find this thread useful or interesting, and if those reasons conform to the thoughts above or are entirely different.

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

Postby livesoft » Wed May 10, 2017 1:34 pm

I like to compare my portfolio to benchmarks in order to see that I am not hurting myself with behavioral finance errors.

I like to read this thread because it shows that people often don't have a legitimate calculation for YTD of their portfolio. Often they report for a single account such as a Roth or a 401(k) instead of for the entire portfolio including the 2 to 10 years of cash cushion they have.

I think my worst YTD performance is the TIAA Real Estate Account, but the entire portfolio is chugging along just fine.
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Re: What are you up YTD? [Year To Date]

Postby zaboomafoozarg » Wed May 10, 2017 2:21 pm

livesoft wrote:I like to read this thread because it shows that people often don't have a legitimate calculation for YTD of their portfolio. Often they report for a single account such as a Roth or a 401(k) instead of for the entire portfolio including the 2 to 10 years of cash cushion they have.


So, a good source of schadenfreude? :x

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

Postby livesoft » Wed May 10, 2017 2:24 pm

zaboomafoozarg wrote:So, a good source of schadenfreude? :x

I suppose if my portfolio trailed its benchmarks that could be the case, but I think it is more a nice reporting or observation of the human condition.
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Re: What are you up YTD? [Year To Date]

Postby NiceUnparticularMan » Wed May 10, 2017 2:35 pm

livesoft wrote:I like to compare my portfolio to benchmarks in order to see that I am not hurting myself with behavioral finance errors.


Interestingly, I am afraid this sort of benchmarking would make it more likely that I would commit behavioral errors. But to be honest . . . .

I like to read this thread because it shows that people often don't have a legitimate calculation for YTD of their portfolio. Often they report for a single account such as a Roth or a 401(k) instead of for the entire portfolio including the 2 to 10 years of cash cushion they have.


Yeah, it would seem hard to do it properly. So, being honest, I will admit not doing it is at least partly motivated by laziness.

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

Postby ruralavalon » Wed May 10, 2017 2:40 pm

NiceUnparticularMan wrote:
livesoft wrote:I like to compare my portfolio to benchmarks in order to see that I am not hurting myself with behavioral finance errors.


Interestingly, I am afraid this sort of benchmarking would make it more likely that I would commit behavioral errors. But to be honest . . . .

I like to read this thread because it shows that people often don't have a legitimate calculation for YTD of their portfolio. Often they report for a single account such as a Roth or a 401(k) instead of for the entire portfolio including the 2 to 10 years of cash cushion they have.


Yeah, it would seem hard to do it properly. So, being honest, I will admit not doing it is at least partly motivated by laziness.

It's not hard to do it properly.

Morningstar's free portfolio manager will do it for you.

You can do it yourself knowing only your portfolio balance on January 1, current balance and contributions this year.
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