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
Posts: 9
Joined: Tue Dec 21, 2010 2:27 pm

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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Location: San Jose, California

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 advance socially without any special effort." Good, because I don't plan on any special effort towards that!

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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

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dsmil
Posts: 449
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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
Posts: 271
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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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