What are you up YTD? [Year To Date]

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

Post by schachtw » Sat Dec 30, 2017 10:11 pm

Through 11/30 up 14.1%. Portfolio AA is 50/50, we’re more than pleased.

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

Post by boglesmind » Sat Dec 30, 2017 10:20 pm

1-jan to 31-dec-17 according to Quicken: 18.90%
cash: 2%, Bonds: 12%, Stocks: 86%

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

Post by triceratop » Sat Dec 30, 2017 10:25 pm

LadyGeek wrote:
Sat Dec 30, 2017 8:22 pm
triceratop wrote:
Sat Dec 30, 2017 7:57 pm
I have to wait until midnight to update my spreadsheet but I expect I beat my benchmark of 90% VT / 10% VGIT.
I assume you do your analysis on 12/31 for consistency in reporting.
I do my analysis as of the end of every month. I use longinvest's A Returns Spreadsheet for Bogleheads which only adds new cells to the spreadsheet on the last day of every month, not the last market day of every month. :wink:
"To play the stock market is to play musical chairs under the chord progression of a bid-ask spread."

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

Post by stimulacra » Sat Dec 30, 2017 10:31 pm

Looking to lock in 18% rate of return for 2017.

65% stocks / 30% bonds / 5% gold

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

Post by Hawaiishrimp » Sat Dec 30, 2017 10:49 pm

Here are my stats:

Stocks: 70%
Bonds: 30%

My portfolio: 25.64% (with monthly contribution)

Sincerely thank you for all my Boglehead friends. Without you guys, I will probably be off-tracked from my plan long time ago. Thank you for the wisdom and keeping me on track for FI. Happy New Year and let's have another awesome year: 2018 here we come!! :sharebeer :sharebeer :sharebeer
I save and invest my money, so money can make money for me, so I don't have to make money eventually.

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

Post by triceratop » Sun Dec 31, 2017 12:08 am

triceratop wrote:
Sat Dec 30, 2017 7:57 pm
nedsaid wrote:
Sat Dec 30, 2017 6:15 pm
My guess is that the factor tilters were disappointed this year.
I have to wait until midnight to update my spreadsheet but I expect I beat my benchmark of 90% VT / 10% VGIT.
My YTD portfolio return via longinvest's spreadsheet is 23.05%, but only 22.02% if you don't count my brokerage bonus as part of my portfolio's return; I do, because transaction costs count against the return.

Regardless, the benchmark return was 21.92%, and I am fairly heavily tilted so this was still a good outcome.
"To play the stock market is to play musical chairs under the chord progression of a bid-ask spread."

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

Post by nedsaid » Sun Dec 31, 2017 3:12 am

triceratop wrote:
Sun Dec 31, 2017 12:08 am
triceratop wrote:
Sat Dec 30, 2017 7:57 pm
nedsaid wrote:
Sat Dec 30, 2017 6:15 pm
My guess is that the factor tilters were disappointed this year.
I have to wait until midnight to update my spreadsheet but I expect I beat my benchmark of 90% VT / 10% VGIT.
My YTD portfolio return via longinvest's spreadsheet is 23.05%, but only 22.02% if you don't count my brokerage bonus as part of my portfolio's return; I do, because transaction costs count against the return.

Regardless, the benchmark return was 21.92%, and I am fairly heavily tilted so this was still a good outcome.
My reaction to these performance posts is two-fold. First, I am just too honest. I probably should throw in a 2% fudge factor to make myself look better. Second, I wonder if people are calculating returns correctly.

Total World Stock Market returned 24.49% and Intermediate Treasury Index returned 1.70%. A 90/10 portfolio should have performed like this:

90% X 24.49%= 22.04%
10% X 1.70%= 0.17%
Return should be 22.21% for a 90/10. So my calculations for your benchmark are pretty close.
You came up with 21.92%. I calculated benchmark based on price change, right from the Morningstar website. Did you use change in NAV?

What factor tilts are you using? I assumed you were using Small/Value. Can't believe you are close to the benchmark with that tilt.

Both Size and Value are underperforming in the US. Large Value underperforms both here and Internationally. International Mid/Small-Cap is outperforming International Large-Cap. Don't know how International Small Value is performing.
A fool and his money are good for business.

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

Post by triceratop » Sun Dec 31, 2017 3:43 am

nedsaid wrote:
Sun Dec 31, 2017 3:12 am
triceratop wrote:
Sun Dec 31, 2017 12:08 am
triceratop wrote:
Sat Dec 30, 2017 7:57 pm
nedsaid wrote:
Sat Dec 30, 2017 6:15 pm
My guess is that the factor tilters were disappointed this year.
I have to wait until midnight to update my spreadsheet but I expect I beat my benchmark of 90% VT / 10% VGIT.
My YTD portfolio return via longinvest's spreadsheet is 23.05%, but only 22.02% if you don't count my brokerage bonus as part of my portfolio's return; I do, because transaction costs count against the return.

Regardless, the benchmark return was 21.92%, and I am fairly heavily tilted so this was still a good outcome.
My reaction to these performance posts is two-fold. First, I am just too honest. I probably should throw in a 2% fudge factor to make myself look better. Second, I wonder if people are calculating returns correctly.

Total World Stock Market returned 24.49% and Intermediate Treasury Index returned 1.70%. A 90/10 portfolio should have performed like this:

90% X 24.49%= 22.04%
10% X 1.70%= 0.17%
Return should be 22.21% for a 90/10. So my calculations for your benchmark are pretty close.
You came up with 21.92%. I calculated benchmark based on price change, right from the Morningstar website. Did you use change in NAV?

What factor tilts are you using? I assumed you were using Small/Value. Can't believe you are close to the benchmark with that tilt.

Both Size and Value are underperforming in the US. Large Value underperforms both here and Internationally. International Mid/Small-Cap is outperforming International Large-Cap. Don't know how International Small Value is performing.
I used Morningstar Performance YTD. I think that's NAV. I am using longinvest's spreadsheet so I know my returns are calculated properly.

I see:

10% x 1.58% = .158%
90% x 24.19% = 21.77%
Return should be 21.93% (with rounding).

I tilt to Small/Value domestically and Small internationally, with a tilt towards EM too, and a small tilt to EM Value (which I will be increasing exposure to now that I have commission-free access). Note that EM had a great year, VWO was up 31.4%. Until August 17 I was using VBR for my US SCV tilt, but was only in that due to historically not having commission-free access to IJS, and starting off with mutual funds anyway so no VIOV; seeing SCV getting hammered, IJS performing much worse than VBR, I knew it was a good time to switch and get the factor exposure I wanted. Also, I wanted to tax gain harvest while I was still in the 0% LTCG bracket. So yes, I did some factor timing, as August 21 (when I bought more IJS) was the bottom for US SCV this year. That juiced my returns because S&P 600 Value took off after that.

Also I got lucky with the timing of some VTI buys earlier in the year, though I gave up some return with unlucky timing of VGIT purchases, but which were necessary to maintain my AA in light of equity performance this year.

That is my attribution analysis. Ignoring the brokerage transfer bonus I outperformed by 9-10bp with factor tilts that did not pay off but exposure to EM which did.
"To play the stock market is to play musical chairs under the chord progression of a bid-ask spread."

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

Post by camper » Sun Dec 31, 2017 12:13 pm

XIRR 18.49%
80/20 portfolio with a 40% tilt to intl and a 40% tilt to mid/small.

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

Post by bgf » Sun Dec 31, 2017 3:38 pm

nedsaid wrote:
Sun Dec 31, 2017 3:12 am
triceratop wrote:
Sun Dec 31, 2017 12:08 am
triceratop wrote:
Sat Dec 30, 2017 7:57 pm
nedsaid wrote:
Sat Dec 30, 2017 6:15 pm
My guess is that the factor tilters were disappointed this year.
I have to wait until midnight to update my spreadsheet but I expect I beat my benchmark of 90% VT / 10% VGIT.
My YTD portfolio return via longinvest's spreadsheet is 23.05%, but only 22.02% if you don't count my brokerage bonus as part of my portfolio's return; I do, because transaction costs count against the return.

Regardless, the benchmark return was 21.92%, and I am fairly heavily tilted so this was still a good outcome.
My reaction to these performance posts is two-fold. First, I am just too honest. I probably should throw in a 2% fudge factor to make myself look better. Second, I wonder if people are calculating returns correctly.

Total World Stock Market returned 24.49% and Intermediate Treasury Index returned 1.70%. A 90/10 portfolio should have performed like this:

90% X 24.49%= 22.04%
10% X 1.70%= 0.17%
Return should be 22.21% for a 90/10. So my calculations for your benchmark are pretty close.
You came up with 21.92%. I calculated benchmark based on price change, right from the Morningstar website. Did you use change in NAV?

What factor tilts are you using? I assumed you were using Small/Value. Can't believe you are close to the benchmark with that tilt.

Both Size and Value are underperforming in the US. Large Value underperforms both here and Internationally. International Mid/Small-Cap is outperforming International Large-Cap. Don't know how International Small Value is performing.
22.86% XIRR. outperformed benchmark of VT and BND by a whopping 0.23%, but my accounts necessarily have a higher ER than just the VT and BND etfs... my portfolio is 90-95% equities.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

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

Post by nedsaid » Sun Dec 31, 2017 7:25 pm

triceratop wrote:
Sun Dec 31, 2017 3:43 am
nedsaid wrote:
Sun Dec 31, 2017 3:12 am
triceratop wrote:
Sun Dec 31, 2017 12:08 am
triceratop wrote:
Sat Dec 30, 2017 7:57 pm
nedsaid wrote:
Sat Dec 30, 2017 6:15 pm
My guess is that the factor tilters were disappointed this year.
I have to wait until midnight to update my spreadsheet but I expect I beat my benchmark of 90% VT / 10% VGIT.
My YTD portfolio return via longinvest's spreadsheet is 23.05%, but only 22.02% if you don't count my brokerage bonus as part of my portfolio's return; I do, because transaction costs count against the return.

Regardless, the benchmark return was 21.92%, and I am fairly heavily tilted so this was still a good outcome.
My reaction to these performance posts is two-fold. First, I am just too honest. I probably should throw in a 2% fudge factor to make myself look better. Second, I wonder if people are calculating returns correctly.

Total World Stock Market returned 24.49% and Intermediate Treasury Index returned 1.70%. A 90/10 portfolio should have performed like this:

90% X 24.49%= 22.04%
10% X 1.70%= 0.17%
Return should be 22.21% for a 90/10. So my calculations for your benchmark are pretty close.
You came up with 21.92%. I calculated benchmark based on price change, right from the Morningstar website. Did you use change in NAV?

What factor tilts are you using? I assumed you were using Small/Value. Can't believe you are close to the benchmark with that tilt.

Both Size and Value are underperforming in the US. Large Value underperforms both here and Internationally. International Mid/Small-Cap is outperforming International Large-Cap. Don't know how International Small Value is performing.
I used Morningstar Performance YTD. I think that's NAV. I am using longinvest's spreadsheet so I know my returns are calculated properly.

I see:

10% x 1.58% = .158%
90% x 24.19% = 21.77%
Return should be 21.93% (with rounding).

I tilt to Small/Value domestically and Small internationally, with a tilt towards EM too, and a small tilt to EM Value (which I will be increasing exposure to now that I have commission-free access). Note that EM had a great year, VWO was up 31.4%. Until August 17 I was using VBR for my US SCV tilt, but was only in that due to historically not having commission-free access to IJS, and starting off with mutual funds anyway so no VIOV; seeing SCV getting hammered, IJS performing much worse than VBR, I knew it was a good time to switch and get the factor exposure I wanted. Also, I wanted to tax gain harvest while I was still in the 0% LTCG bracket. So yes, I did some factor timing, as August 21 (when I bought more IJS) was the bottom for US SCV this year. That juiced my returns because S&P 600 Value took off after that.

Also I got lucky with the timing of some VTI buys earlier in the year, though I gave up some return with unlucky timing of VGIT purchases, but which were necessary to maintain my AA in light of equity performance this year.

That is my attribution analysis. Ignoring the brokerage transfer bonus I outperformed by 9-10bp with factor tilts that did not pay off but exposure to EM which did.
Congratulations. You matched your benchmark in a tough year for Small/Value tilting. I do trust your math. Excellent work. Either lucky or smart on the factor tilting, I'll give you the benefit of the doubt and call you smart.

International in general had a great year. Great to see my International Small-Cap do great in 2017 after languishing since the 2008-2009 financial crisis. It was a great year for International Small-Cap and it was a long time coming. Emerging Markets, as you said, did great this year too. Even the ever disappointing Templeton Developing Markets fund, which I have owned for years, woke up out of its slumber this year.

Happy New Year, Ned.
A fool and his money are good for business.

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

Post by boglechu » Sun Dec 31, 2017 8:46 pm

great numbers!

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

Post by livesoft » Sun Dec 31, 2017 8:50 pm

boglechu wrote:
Sun Dec 31, 2017 8:46 pm
My online 401k portal says "Your personal rate of return for All Funds from 01/01/2017 to 11/30/2017 is 17.20%. " However, I can't get this number.

[...]
I invested 80% s&p, 10% mid cap, and 10% small cap indexes.
That 17.2% is a very believable number 11 months for a portfolio of 100% US equities that had contributions close to the initial value. That is, your contributions were not all invested back on 1/1/2017. Maybe one could say that your total 2017 contributions were on average invested for just 6 months.

You may wish to learn how to use the XIRR() algorithm in a spreadsheet which would give you that 17.20%
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desafinado
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Re: What are you up YTD? [Year To Date]

Post by desafinado » Sun Dec 31, 2017 8:54 pm

This was my first year investing as I didn't really have any income until my first internship last fall. The great returns were exciting. It is unfortunate that they were so small in absolute terms based on portfolio size. According to the spreadsheet, I've seen a 21.9% annualized return this year, but my portfolio value at the end of the year is about 12.5% greater than the sum of my contributions, because some were in the latter half of the year. In 2018 I will be able to contribute much more principle so I'm looking forward to the numbers once I'm working full-time.

One mistake I made was buying long-term bond index (VBLTX) instead of total bond index (VTBLX) – the tickers are so similar! I think it is more hassle than it's worth to correct that mistake by anything other than adding new funds down the line.
Last edited by desafinado on Sun Dec 31, 2017 9:02 pm, edited 2 times in total.

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

Post by littlebird » Sun Dec 31, 2017 8:56 pm

With a 23/77 portfolio, a 90+ year-old spouse in self-pay assisted living, a new (large) roof, and a comparatively modest income and assets, investible assets (net worth less home) up 2.33%. Very satisfied.

crg11
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Re: What are you up YTD? [Year To Date]

Post by crg11 » Sun Dec 31, 2017 9:00 pm

18.2% for 2017. Most of the year was spent in my two fund portfolio (Total Stock Market + Total Bond Market), ~80/20 split. Did do a little trial with a Target Retirement fund for everything, but decided to go back to my two fund portfolio.

Seconds straight year we maxed out contributions to my 401k + both of our IRAs. Very happy overall.

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

Post by monsterid » Sun Dec 31, 2017 9:04 pm

79.4% (although this includes savings in, haven't stripped out net-adds yet on my calcs).

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

Post by fmzip » Mon Jan 01, 2018 12:49 am

as the ball drops closing out the year....

12.05% on the Bogleheads Returns spreadsheet. Just tallied my first 3 year return on the spreadsheet, 5.8%.

Very pleased, hoping to retire in 12 years. A 3.5% annual return average from here until then would be a blessing.

60/40ish asset allocation.

Thanks for all the direction forum members, wish I found this sight in my 30's instead of at 48. At 51, I am happy with the progress. Never ever thought I hit 7 digits net worth, this year I did it liquid too. Very, very grateful!

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

Post by TravelforFun » Mon Jan 01, 2018 1:27 am

monsterid wrote:
Sun Dec 31, 2017 9:04 pm
79.4% (although this includes savings in, haven't stripped out net-adds yet on my calcs).
That's breathtaking! How did you get this kind of gain?

TravelforFun

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

Post by Kuota Rider » Mon Jan 01, 2018 2:04 am

I am very surprised at the low YTD numbers being listed. I am almost entirely invested in the 2035 target fund and it is up 19% YTD.

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

Post by Alchemist » Mon Jan 01, 2018 2:27 am

21.27%

I am 90/10, All U.S. 'two fund' portfolio....more than two actual funds but everything is split Total U.S. index funds and 10% bonds/cash (split between savings account and AGG ETF)

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

Post by GoldenFinch » Mon Jan 01, 2018 4:16 am

TravelforFun wrote:
Mon Jan 01, 2018 1:27 am
monsterid wrote:
Sun Dec 31, 2017 9:04 pm
79.4% (although this includes savings in, haven't stripped out net-adds yet on my calcs).
That's breathtaking! How did you get this kind of gain?

TravelforFun
Monsterid said that percentage includes savings, so it’s more of a net worth progression.

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

Post by samuck » Mon Jan 01, 2018 11:19 am

18.31% for full year 2017 including dividends, excluding contributions, at 100% shares. A good year!

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

Post by tibbitts » Mon Jan 01, 2018 11:30 am

I have no idea but I doubt it's double-digits, with a half or so in fixed income and bond funds returning around 2% or less.

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

Post by dcabler » Mon Jan 01, 2018 11:40 am

Around 10.2% with a 50/50 portfolio that's midcap-centric on stocks with a smidge of EM and intermediate treasuries on the bond side. Good enough for me.

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

Post by abner kravitz » Mon Jan 01, 2018 11:42 am

13% at 57/43 allocation

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

Post by vitaflo » Mon Jan 01, 2018 11:44 am

2017
AA: 74/26, Stock/Bond (Equity 60/40, US/Int)

Return: 17.17%

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

Post by ruralavalon » Mon Jan 01, 2018 12:15 pm

TravelforFun wrote:
Mon Jan 01, 2018 1:27 am
monsterid wrote:
Sun Dec 31, 2017 9:04 pm
79.4% (although this includes savings in, haven't stripped out net-adds yet on my calcs).
That's breathtaking! How did you get this kind of gain?

TravelforFun
It's breathtaking because it includes all the contributions, it's called Beardstown Ladies accounting.
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Re: What are you up YTD? [Year To Date]

Post by cfs » Mon Jan 01, 2018 1:43 pm

Another good year in retirement, portfolio withdrawal and spending rate remains at zero. The Lowest Rated Fund [my portfolio] had another good year. Looking forward to another positive year in the US Markets. Thanks for reading.
~ Member of the Active Retired Force since 2014 ~

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

Post by TravelforFun » Mon Jan 01, 2018 2:11 pm

ruralavalon wrote:
Mon Jan 01, 2018 12:15 pm
TravelforFun wrote:
Mon Jan 01, 2018 1:27 am
monsterid wrote:
Sun Dec 31, 2017 9:04 pm
79.4% (although this includes savings in, haven't stripped out net-adds yet on my calcs).
That's breathtaking! How did you get this kind of gain?

TravelforFun
It's breathtaking because it includes all the contributions, it's called Beardstown Ladies accounting.
I know. I was hoping monsterid would provide more details such as what would the gain be if he/she removed the contributions (pure gain), his/her AA, and if the pure gain is significantly higher than the market gain, what investments does he/she own?

TravelforFun

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

Post by monsterid » Mon Jan 01, 2018 4:20 pm

TravelforFun wrote:
Mon Jan 01, 2018 1:27 am
monsterid wrote:
Sun Dec 31, 2017 9:04 pm
79.4% (although this includes savings in, haven't stripped out net-adds yet on my calcs).
That's breathtaking! How did you get this kind of gain?

TravelforFun
Ok this questions has forced me to pull my finger out and do the math =)

A combination of factors. Mostly luck. Individual equities during the year increased 338% and went from 10% of my portfolio (my target allocation) to 25%. I hold a small portfolio: FB, AMZN, T, V, MA, TSLA etc. I also bought a couple of small cap stocks that I researched heavily and invested in that have done exceptionally well. I should mention I did something very non-BH and that's used margin. I got a 2.6% rate from my brokerage and so used that moderately to increase my exposure in my individual stock portfolios which obviously drastically assisted in those gains. Besides the margin loan I'm debt free.

Overall my targets allocations (and 1-Jan-17 levels were):

Cash: 5% (Emergency Fund, 6 months)
Index: 75% (100% Equities via 3 fund model)
Individual Equities: 10% (my "play money")
Private Companies: 10% (work in tech and angel invest periodically, I hold everything at cost, also "play money")

My allocations have changed during the year and are now (as at 31-Dec-17):

Cash: 2% (excess has gone into crypto's, opportunistic, now only 3 months)
Index: 52% (haven't sold anything, but also only made additions via 401k, IRA, HSA)
Individual Equities: 25% (huge outperformance, also used margin, this is largely in my taxable account)
Private Companies: 16% (I'm unhappy about this, I said yes to too many investments, I need to re-balance this in 2018)
Crypto: 8% (now believe I need an exposure to this long-term as a hedge against the sector truly becoming "the next thing")

Gains have come from:

66% - returns
13% - contributions

My est. SR is 35% of gross income and c.50% of net-income. I'm in a HCOLA. Calculating it now makes me realize I should have done alot better here. 60% min should be my goal for 2018.

I don't recommend my approach to others and frankly it's not even in my long-term plan. However I use to work in this area for a living and all of my education was geared towards being good at active investing and so I leave that 20% allocation for myself to satisfy my own intellectual curiosity and personal score keeping. I had justified to myself that taking 20% of my total NW and being active in areas where I feel I have some specialized knowledge was an ok bargin. My current AA has been a victim of my short term success and is now completely out of whack. I definitely am feeling the need to rebalance down as I'm basically now 48% in "full risk on" assets. Query whether I've just been lucky or good. The literature would say it's luck and I'd agree.

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

Post by johnra » Mon Jan 01, 2018 4:34 pm

Overall, up 17.5% for the year, mostly 60% stocks, 40% bonds.

But I do have one small account where I pick stocks I think are special, buy and hold, and that account is +49% for the year (and up 300% over the last 5 years).

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

Post by monsterid » Mon Jan 01, 2018 4:38 pm

johnra wrote:
Mon Jan 01, 2018 4:34 pm
Overall, up 17.5% for the year, mostly 60% stocks, 40% bonds.

But I do have one small account where I pick stocks I think are special, buy and hold, and that account is +49% for the year (and up 300% over the last 5 years).
Completely cheating vs the "book" but I do it to. It's virtually a hobby for me, sounds like it's probably an interest for you too rather than a full-blown investment strategy that you are relying on for retirement.

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

Post by GeraniumLover » Mon Jan 01, 2018 4:39 pm

I am currently flat YTD :wink:

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

Post by oldzey » Mon Jan 01, 2018 4:58 pm

Up 14.78% for 2017

70% Equities (VTSAX & TIEIX)
30% TIAA Traditional (RA & GSRA)

:sharebeer
"The broker said the stock was 'poised to move.' Silly me, I thought he meant up." ― Randy Thurman

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

Post by jaj2276 » Mon Jan 01, 2018 5:18 pm

For 2017 I had an XIRR of 14.63%. Net worth increase of 30%.

My securities portfolio had a breakdown of:

27.6% bonds
41.6% US stock
20.6% Intl Stock
10.2% Gold/Silver

I'm 75%/15%/10% for large/mid/small and 32%/34%/34% for growth/blend/value.

I have another investment that isn't included as part of my AA whose return I do include. The investment represents 13% of my portfolio and its returns weren't as good as equities but were better than bonds/gold/silver. I hope this investment will shine compared to my securities portfolio when(if) we have a market correction.

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

Post by mortalsonofmortal » Mon Jan 01, 2018 5:57 pm

How do you calculate the YTD returns when you are dollar cost averaging?

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

Post by beech grove » Mon Jan 01, 2018 6:05 pm

how do you determine percentage???

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

Post by ruralavalon » Mon Jan 01, 2018 6:14 pm

mortalsonofmortal wrote:
Mon Jan 01, 2018 5:57 pm
How do you calculate the YTD returns when you are dollar cost averaging?
If you are contributing a fixed dollar amount on a fixed schedule (like every pay period), then go to "personal performance", click "YTD", and just divide "investment return" by "beginning balance" (that's the terminology on the Vanguard app).
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by WanderingDoc » Mon Jan 01, 2018 6:19 pm

monsterid wrote:
Mon Jan 01, 2018 4:38 pm
johnra wrote:
Mon Jan 01, 2018 4:34 pm
Overall, up 17.5% for the year, mostly 60% stocks, 40% bonds.

But I do have one small account where I pick stocks I think are special, buy and hold, and that account is +49% for the year (and up 300% over the last 5 years).
Completely cheating vs the "book" but I do it to. It's virtually a hobby for me, sounds like it's probably an interest for you too rather than a full-blown investment strategy that you are relying on for retirement.
This special account has to be "taxable", by definition?
Rent where you live, buy where others pay your mortgage for you. | I'm not looking to get rich quick, I'm not looking to get rich slow, I'm looking to get rich.. for sure.

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

Post by bgf » Mon Jan 01, 2018 6:53 pm

mortalsonofmortal wrote:
Mon Jan 01, 2018 5:57 pm
How do you calculate the YTD returns when you are dollar cost averaging?
Use the XIRR function in a spreadsheet. Track your portfolio value and your dates and amounts of cash flows in (contributions). This will give you a dollar weighted return, which should be quite accurate.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

Blueskies123
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Re: What are you up YTD? [Year To Date]

Post by Blueskies123 » Mon Jan 01, 2018 6:59 pm

One of the reasons I consolidated everything to Fidelity is that they do all the calculations for me. All I have to do is log on. I realize many people have multiple accounts

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

Post by honduranhurricane » Mon Jan 01, 2018 7:36 pm

Around 15% across accounts, 70/30 with hefty tilts toward mid/small cap. The latter, along with additions through the year (at higher index levels) were the primary drivers of under performing , though 15% is nothing to sneeze at. Would love to repeat!

Best wishes for 2018+

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Portfolio7
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Re: What are you up YTD? [Year To Date]

Post by Portfolio7 » Mon Jan 01, 2018 7:52 pm

nedsaid wrote:
Sat Dec 30, 2017 6:15 pm
My returns for 2017 were 15.01%. I finished with 47% US Stocks, 19% International Stocks, and 34% Bonds and cash. A blended index in the same proportions with funds that I already own would have returned 16.39%. I was happy until I saw that I trailed the blended index. I estimated the "factor drag" of my small/value tilt not working to be 1.00% of my underperformance. I had fee drag of 0.428%. My guess is that the factor tilters were disappointed this year.
It was a good year in total, but yes, I felt that twinge of regret at the small and value factor drags vs total market returns.

For the year we were up 15.9%, in our 2 primary 401K's. If I replaced the 68% equities with the S&P500 (and assume 3% return for 32% FI in stable value), then we hit our benchmark, up by a couple bpts. REITs and SCV did poorly, but Int'l and EM made up the difference.

We're about 35% International 33% US and 32% Stable Value (3% return) for the 401(k)s. About half the equities are value funds, and we have a lot of small cap / midcap. Mostly Vanguard and DFA.

Net Worth did a little better at 17.1% growth due to some debt reduction. The thing I'm happiest about is growing net worth by 10.2% CAGR for the past ten years; i.e. despite the losses in 2008. I'd like to retire in 10 years, and that puts us reasonably on course.
An investment in knowledge pays the best interest.

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

Post by The Casualty » Mon Jan 01, 2018 7:54 pm

13.4 %

58.2 Equity
41.6 Bonds
0.2 ST Reserves

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

Post by fmzip » Mon Jan 01, 2018 7:56 pm

beech grove wrote:
Mon Jan 01, 2018 6:05 pm
how do you determine percentage???
Use this spreadsheet:

https://www.dropbox.com/s/emjo61qdyfk87 ... .xlsx?dl=0

Details here:

https://www.bogleheads.org/wiki/Calcula ... preadsheet

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

Post by TravelforFun » Mon Jan 01, 2018 8:11 pm

mortalsonofmortal wrote:
Mon Jan 01, 2018 5:57 pm
How do you calculate the YTD returns when you are dollar cost averaging?
Solve for 'i' in this formula:

F = P(1+i)^12 + A((1+i)^12-1)/i

F = Your portfolio value on 12/31/2017
P = Your portfolio value on 1/1/2017
A = Monthly amount you added to your portfolio
i = Average monthly return. Multiply by 12 to get annual return.

Many websites have formulas where you can enter F, P and A, and get i.

TravelforFun

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

Post by mptfan » Mon Jan 01, 2018 8:23 pm

My portfolio is up 18.3% for 2017 with 73% stocks, 20% bonds and 7% cash. (Most of my bonds are in Vanguard's High Yield Bond fund)
Last edited by mptfan on Mon Jan 01, 2018 8:27 pm, edited 1 time in total.

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

Post by mptfan » Mon Jan 01, 2018 8:25 pm

TravelforFun wrote:
Mon Jan 01, 2018 8:11 pm
F = Your portfolio value on 12/31/2017
P = Your portfolio value on 1/1/2017
That's only 364 days. Your P should be 12/31/2016.

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

Post by TravelforFun » Mon Jan 01, 2018 9:09 pm

mptfan wrote:
Mon Jan 01, 2018 8:25 pm
TravelforFun wrote:
Mon Jan 01, 2018 8:11 pm
F = Your portfolio value on 12/31/2017
P = Your portfolio value on 1/1/2017
That's only 364 days. Your P should be 12/31/2016.
is there a difference?

TravelforFun

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