What are you up YTD? [Year To Date]

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

Post by SanAntionetta » Thu Dec 20, 2018 1:29 pm

ge1 wrote:
Thu Dec 20, 2018 1:25 pm
J G Bankerton wrote:
Thu Dec 20, 2018 1:07 pm
SanAntionetta wrote:
Thu Dec 20, 2018 11:59 am
I am up 1.04% total but that includes maxing out my 401(k) and receiving about $15K employer match. Yikes!
OMG, you are up that after contributions??? Were you 100% China?

After contributions I'm up 9.87%. That's what truly counts. :greedy
Ok kids, can we agree that including contributions is not the way to measure your performance?

I'm down 3%, 40/60 portfolio.
Fair enough can we also agree to speak to each other like adults?

For instance you could provide guidance on how to calculate performance. I had multiple rollovers this year which makes it a complex calculation which isn’t really necessary.

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

Post by rebellovw » Thu Dec 20, 2018 1:29 pm

I've done my bi-monthly or so review - I've put it off since 8/30/2018 due to not wanting to look at it.

I'm down 5.2 %.

I'm 60/40

All accounts are down except savings which is up.

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

Post by J G Bankerton » Thu Dec 20, 2018 1:31 pm

ge1 wrote:
Thu Dec 20, 2018 1:25 pm
Ok kids, can we agree that including contributions is not the way to measure your performance?
We use the Beardstown accounting method. Looking at the bottom line is what counts no matter how one got there. One year I'm still up 1.1%. December 2017 falls off soon and it will be ugly. I haven't figured it out yet. I'm waiting until after the Santa Clause Rally.

core4portfolio
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Re: What are you up YTD? [Year To Date]

Post by core4portfolio » Thu Dec 20, 2018 1:31 pm

Down 5.4%
Allocation : 80/20 (80% TSM, 20% TBM) | Need to learn fishing sooner

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

Post by longinvest » Thu Dec 20, 2018 1:34 pm

SanAntionetta wrote:
Thu Dec 20, 2018 1:29 pm
ge1 wrote:
Thu Dec 20, 2018 1:25 pm
J G Bankerton wrote:
Thu Dec 20, 2018 1:07 pm
SanAntionetta wrote:
Thu Dec 20, 2018 11:59 am
I am up 1.04% total but that includes maxing out my 401(k) and receiving about $15K employer match. Yikes!
OMG, you are up that after contributions??? Were you 100% China?

After contributions I'm up 9.87%. That's what truly counts. :greedy
Ok kids, can we agree that including contributions is not the way to measure your performance?

I'm down 3%, 40/60 portfolio.
Fair enough can we also agree to speak to each other like adults?

For instance you could provide guidance on how to calculate performance. I had multiple rollovers this year which makes it a complex calculation which isn’t really necessary.
Our wiki can help with this: Calculating personal returns.
Bogleheads investment philosophy | One-ETF global balanced index portfolio | VPW

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

Post by Psyayeayeduck » Thu Dec 20, 2018 1:36 pm

+2.28% -- From One Year Ago
-7.04% -- Year to Date

When I combine the 20%+ gains from 2017 and the loss from this year, it averages out for the most part.

Meh.

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

Post by J G Bankerton » Thu Dec 20, 2018 1:38 pm

longinvest wrote:
Thu Dec 20, 2018 1:34 pm

Our wiki can help with this: Calculating personal returns.
RTFM, the fine manual is all one needs to know. Is Beardstown accounting in there?

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

Post by SanAntionetta » Thu Dec 20, 2018 1:44 pm

longinvest wrote:
Thu Dec 20, 2018 1:34 pm
SanAntionetta wrote:
Thu Dec 20, 2018 1:29 pm
ge1 wrote:
Thu Dec 20, 2018 1:25 pm
J G Bankerton wrote:
Thu Dec 20, 2018 1:07 pm
SanAntionetta wrote:
Thu Dec 20, 2018 11:59 am
I am up 1.04% total but that includes maxing out my 401(k) and receiving about $15K employer match. Yikes!
OMG, you are up that after contributions??? Were you 100% China?

After contributions I'm up 9.87%. That's what truly counts. :greedy
Ok kids, can we agree that including contributions is not the way to measure your performance?

I'm down 3%, 40/60 portfolio.
Fair enough can we also agree to speak to each other like adults?

For instance you could provide guidance on how to calculate performance. I had multiple rollovers this year which makes it a complex calculation which isn’t really necessary.
Our wiki can help with this: Calculating personal returns.
Thanks! The spreadsheet won’t download for me in either IE or Chrome maybe it will work on my home computer.

I’m thinking I must have missed something pretty crucial in my calculations but the rollover hit in September and the market crash was directly thereafter. I am mostly in Fidelity Total Market Index Fund with some international growth fund, EM and Total Bond. 🤷🏼‍♀️

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

Post by SanAntionetta » Thu Dec 20, 2018 1:51 pm

J G Bankerton wrote:
Thu Dec 20, 2018 1:38 pm
longinvest wrote:
Thu Dec 20, 2018 1:34 pm

Our wiki can help with this: Calculating personal returns.
RTFM, the fine manual is all one needs to know. Is Beardstown accounting in there?
I’ve googled Beardstown accounting and nothing came up. I think will revisit my spreadsheet with the portfolio return calculations in the wiki. But for instance my 401k went from X to $0 because I rolled it over. But then some of the 401K was Roth contribution and some was regular so they went into two different IRAs. So what I did was look at the difference between my starting and ending balances. I also had a pension rollover in there too. My new 401K would be easy peasy. So once I got the returns from each account, how would I figure out the total return? A weighted average?

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

Post by J G Bankerton » Thu Dec 20, 2018 2:05 pm

SanAntionetta wrote:
Thu Dec 20, 2018 1:51 pm
J G Bankerton wrote:
Thu Dec 20, 2018 1:38 pm
longinvest wrote:
Thu Dec 20, 2018 1:34 pm

Our wiki can help with this: Calculating personal returns.
RTFM, the fine manual is all one needs to know. Is Beardstown accounting in there?
I’ve googled Beardstown accounting and nothing came up.
viewtopic.php?t=111108
https://www.google.com/search?q=beardst ... ox&ie=&oe=

ge1
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Re: What are you up YTD? [Year To Date]

Post by ge1 » Thu Dec 20, 2018 2:06 pm

SanAntionetta wrote:
Thu Dec 20, 2018 1:29 pm
ge1 wrote:
Thu Dec 20, 2018 1:25 pm
J G Bankerton wrote:
Thu Dec 20, 2018 1:07 pm
SanAntionetta wrote:
Thu Dec 20, 2018 11:59 am
I am up 1.04% total but that includes maxing out my 401(k) and receiving about $15K employer match. Yikes!
OMG, you are up that after contributions??? Were you 100% China?

After contributions I'm up 9.87%. That's what truly counts. :greedy
Ok kids, can we agree that including contributions is not the way to measure your performance?

I'm down 3%, 40/60 portfolio.
Fair enough can we also agree to speak to each other like adults?

For instance you could provide guidance on how to calculate performance. I had multiple rollovers this year which makes it a complex calculation which isn’t really necessary.
Fair point, did not mean to be disrespectful.

I track my gains and losses and know how much they changed since Dec 31 2017 -> that's my gain/loss for the year (both realized/unrealized and includes dividend and interest income).

For the denominator, my contributions are spread out fairly evenly through the year, so I simply take the average of December 31 2017 balance and December 31st balance plus contributions.

Probably not 100% correct, but close enough for me.

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

Post by jminv » Thu Dec 20, 2018 2:39 pm

market timer wrote:
Mon Dec 10, 2018 7:59 am
jminv wrote:
Mon Dec 10, 2018 5:27 am
Out of curiosity, how far out of the money are the puts you wrote and how long dated are they?
For the most part, ~5% out-of-the-money puts expiring in the next few months. Also short some longer dated at-the-money puts on CVX and XOM.
Did you close out the puts before losing much? Cvx and xom also painful with drop in oil price plus you had a long position in oil?

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

Post by J G Bankerton » Thu Dec 20, 2018 2:49 pm

jminv wrote:
Thu Dec 20, 2018 2:39 pm
Did you close out the puts before losing much? Cvx and xom also painful with drop in oil price plus you had a long position in oil?
That made me think. How do we value "alternative" investments where the true value can only be set at auction. I'm 8% "alternative" investments, cost bases. It may be considerable more with appreciation.

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

Post by rhornback » Thu Dec 20, 2018 3:15 pm

I am up from my lowest point of the year...

... my lowest point of the year was a few hours earlier :(

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

Post by Earl Lemongrab » Thu Dec 20, 2018 3:57 pm

J G Bankerton wrote:
Thu Dec 20, 2018 1:31 pm
We use the Beardstown accounting method. Looking at the bottom line is what counts no matter how one got there.
That's the way I've always done it. I really don't care what the IRR is on my portfolio or its components. Only the total amount or the variances of the allocations from target values are actionable.

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

Post by lassevirensghost » Thu Dec 20, 2018 4:42 pm

I am down -8.7. Not bad!
“Groucho, how do you invest your money?” | “All in bonds.” | “But Groucho, they don’t pay much return.” | “They do when you have a lot of em!”

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

Post by WhiteMaxima » Thu Dec 20, 2018 4:47 pm

lassevirensghost wrote:
Thu Dec 20, 2018 4:42 pm
I am down -8.7. Not bad!
I like you AA 70/30.

michaeljc70
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Re: What are you up YTD? [Year To Date]

Post by michaeljc70 » Thu Dec 20, 2018 8:08 pm

According to Quicken, -7%. I am 75/25.

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

Post by jainn » Thu Dec 20, 2018 8:52 pm

. . . .
Last edited by jainn on Tue Jan 14, 2020 4:54 pm, edited 3 times in total.

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

Post by Earl Lemongrab » Thu Dec 20, 2018 10:00 pm

Just did an update, now about -5.8%. Beardstown accounting of course, but as I've been on pension since Feb the amount of new cash flowing in has been curtailed.

ghostdog1108
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Re: What are you up YTD? [Year To Date]

Post by ghostdog1108 » Thu Dec 20, 2018 10:18 pm

Up 5.5% (401K, 80% in TIAA TRADITIONAL ANNUITY 3.25%/ 20% STOCKS sold 8/2018)

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

Post by market timer » Thu Dec 20, 2018 11:26 pm

hdas wrote:
Thu Dec 20, 2018 8:30 am
market timer wrote:
Mon Dec 10, 2018 7:59 am
jminv wrote:
Mon Dec 10, 2018 5:27 am
Out of curiosity, how far out of the money are the puts you wrote and how long dated are they?
For the most part, ~5% out-of-the-money puts expiring in the next few months. Also short some longer dated at-the-money puts on CVX and XOM.
Curious to know what is going on with your portfolio given the latest developments. Kindly share. :greedy
After the recent sell-off in equities and crude oil, I'm now only up 2% YTD. This is a 7% drop in the past two weeks. I sold my position in long term bonds yesterday. Now at 70% equities, 20% gold, 20% oil, and -10% cash.

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

Post by market timer » Thu Dec 20, 2018 11:34 pm

jminv wrote:
Thu Dec 20, 2018 2:39 pm
market timer wrote:
Mon Dec 10, 2018 7:59 am
jminv wrote:
Mon Dec 10, 2018 5:27 am
Out of curiosity, how far out of the money are the puts you wrote and how long dated are they?
For the most part, ~5% out-of-the-money puts expiring in the next few months. Also short some longer dated at-the-money puts on CVX and XOM.
Did you close out the puts before losing much? Cvx and xom also painful with drop in oil price plus you had a long position in oil?
I have a 20% position in CVX, XOM, and crude oil. The drop in long-dated crude futures actually hasn't been quite as bad as the drop in spot oil prices. The plan is not to trade the position very actively. Have had a 10-20% allocation to crude since 2015.

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willthrill81
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Re: What are you up YTD? [Year To Date]

Post by willthrill81 » Thu Dec 20, 2018 11:41 pm

market timer wrote:
Thu Dec 20, 2018 11:34 pm
jminv wrote:
Thu Dec 20, 2018 2:39 pm
market timer wrote:
Mon Dec 10, 2018 7:59 am
jminv wrote:
Mon Dec 10, 2018 5:27 am
Out of curiosity, how far out of the money are the puts you wrote and how long dated are they?
For the most part, ~5% out-of-the-money puts expiring in the next few months. Also short some longer dated at-the-money puts on CVX and XOM.
Did you close out the puts before losing much? Cvx and xom also painful with drop in oil price plus you had a long position in oil?
I have a 20% position in CVX, XOM, and crude oil. The drop in long-dated crude futures actually hasn't been quite as bad as the drop in spot oil prices. The plan is not to trade the position very actively. Have had a 10-20% allocation to crude since 2015.
I'm a trend follower, but you make me look a dyed-in-the-wool buy and holder! :wink:

Are you primarily trying to manage risk, or are you trying to generate alpha?
“It's a dangerous business, Frodo, going out your door. You step onto the road, and if you don't keep your feet, there's no knowing where you might be swept off to.” J.R.R. Tolkien,The Lord of the Rings

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

Post by market timer » Fri Dec 21, 2018 12:52 am

willthrill81 wrote:
Thu Dec 20, 2018 11:41 pm
I'm a trend follower, but you make me look a dyed-in-the-wool buy and holder! :wink:

Are you primarily trying to manage risk, or are you trying to generate alpha?
Primarily risk management. However, I have a fairly idiosyncratic measure of risk. Most people think of risk in terms of return variance measured in their local currency. My measure of risk is mostly based on future buying power. There is a well-cited paper by Campbell and Viceira that explores a similar idea: http://www.people.hbs.edu/lviceira/bondhold_aer2.pdf

The short summary of this paper is that long term bonds are very risky if measured in daily variance, but not risky at all if measured in terms of future buying power. In fact, a long lived investor with zero risk tolerance would invest exclusively in long term bonds.

In addition to risk of future buying power (best measured by extrapolating today's present value to a future value based on long term real yields), I consider risk premiums. Higher risk premiums are more desirable, as they tend to predict higher returns. However, higher risk premiums tend to occur alongside lower asset prices. That is, someone with an equity-heavy portfolio might actually desire lower equity prices if he has just started investing and has many years of contributions ahead.

Finally, I consider my future income streams and their correlation with asset prices. A similar idea is explored in Moshe Milevsky's book Are you a stock or a bond?

What I try to achieve with my portfolio is to have indifference to asset price movements. In the case of oil, lower prices mean my inflation rate is lower--a typical asset-liability hedging idea. In the case of stocks, higher risk premiums (lower prices) mean higher expected returns for my current portfolio as well as my future contributions. While working on a trading desk, I developed some home brewed strategies to generate alpha that are layered on top of this. A nice bonus of achieving indifference to asset price movements is better mental clarity when opportunities occasionally present themselves.

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

Post by WanderingDoc » Fri Dec 21, 2018 1:12 am

jainn wrote:
Thu Dec 20, 2018 8:52 pm
jainn wrote:
Sun Dec 09, 2018 5:53 pm
minus 2% YTD

Mostly 70/30, (50US/20INTL/30BONDS)

A few tactical changes this year, temporarily selling bond allocation for stocks, but always going back to 70/30.
Just recently went from 75/25 to 100/0, Thursday 12/6...
Plan is to go back to 70/30 when sp500 is 2900 again...

I prefer a balanced allocation but felt buying this week at December 2017 prices was acceptable and can wait for sp@2900 again to go back to balanced position...
My timing, lol! Down 9% YTD as of today.
100pct stocks, 69% US, 31% INTL
Plan to still go back to 70/30 stock/bond in the future..just waiting patiently.. :happy
What is your criterion for switching to 70/30?
I'm not looking to get rich quick (stocks), I'm not looking to get rich slow (indexing), I'm looking to get rich, for sure (real estate) | Don't wait to buy real estate. Buy real estate.. and wait.

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

Post by J G Bankerton » Fri Dec 21, 2018 1:23 am

My Verizon stock is up 9.8% YTD. It too hard to figure out the rest, it too yuckey.

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willthrill81
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Re: What are you up YTD? [Year To Date]

Post by willthrill81 » Fri Dec 21, 2018 1:32 am

market timer wrote:
Fri Dec 21, 2018 12:52 am
willthrill81 wrote:
Thu Dec 20, 2018 11:41 pm
I'm a trend follower, but you make me look a dyed-in-the-wool buy and holder! :wink:

Are you primarily trying to manage risk, or are you trying to generate alpha?
Primarily risk management. However, I have a fairly idiosyncratic measure of risk. Most people think of risk in terms of return variance measured in their local currency. My measure of risk is mostly based on future buying power. There is a well-cited paper by Campbell and Viceira that explores a similar idea: http://www.people.hbs.edu/lviceira/bondhold_aer2.pdf

The short summary of this paper is that long term bonds are very risky if measured in daily variance, but not risky at all if measured in terms of future buying power. In fact, a long lived investor with zero risk tolerance would invest exclusively in long term bonds.

In addition to risk of future buying power (best measured by extrapolating today's present value to a future value based on long term real yields), I consider risk premiums. Higher risk premiums are more desirable, as they tend to predict higher returns. However, higher risk premiums tend to occur alongside lower asset prices. That is, someone with an equity-heavy portfolio might actually desire lower equity prices if he has just started investing and has many years of contributions ahead.

Finally, I consider my future income streams and their correlation with asset prices. A similar idea is explored in Moshe Milevsky's book Are you a stock or a bond?

What I try to achieve with my portfolio is to have indifference to asset price movements. In the case of oil, lower prices mean my inflation rate is lower--a typical asset-liability hedging idea. In the case of stocks, higher risk premiums (lower prices) mean higher expected returns for my current portfolio as well as my future contributions. While working on a trading desk, I developed some home brewed strategies to generate alpha that are layered on top of this. A nice bonus of achieving indifference to asset price movements is better mental clarity when opportunities occasionally present themselves.
Very interesting. Thanks. I probably need to read the Milevsky book.
“It's a dangerous business, Frodo, going out your door. You step onto the road, and if you don't keep your feet, there's no knowing where you might be swept off to.” J.R.R. Tolkien,The Lord of the Rings

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

Post by Sheepdog » Fri Dec 21, 2018 9:39 am

No new money added to savings...no new money coming in except SS......retired 20 years. For 2018 with 23 to 25% stocks added to I Bonds, CDs, and money market, my total return in 2018 is -0.85%.

I live off of these savings and SS. After taking out a years worth of spending deductions, which has averaged 4.6% a year, my total 2018 savings and investment accounts value as of 12/20 is down -4.5%.
“One moment of patience may ward off great disaster. One moment of impatience may ruin a whole life.” — Chinese Proverb

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

Post by JTJjr » Fri Dec 21, 2018 10:04 am

Age 73
Asset mix: 60eq/40bd
Down: -1.56% after completing annual withdrawal and reinvestments
Aimlessly wandering to discover where I am.

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

Post by jainn » Fri Dec 21, 2018 4:48 pm

. . . .
Last edited by jainn on Tue Jan 14, 2020 5:03 pm, edited 1 time in total.

Scooter57
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Re: What are you up YTD? [Year To Date]

Post by Scooter57 » Fri Dec 21, 2018 5:06 pm

J G Bankerton wrote:
Thu Dec 20, 2018 1:31 pm
We use the Beardstown accounting method. Looking at the bottom line is what counts no matter how one got there.
IIRC The Beardstown method was to calculate gains so wrongly that when the accounting was corrected most of them dissappeared, rendering the claims that made their investment book a bestseller fraudulent.

Lots of young'uns on this board might not be old enough to remember that.

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

Post by J G Bankerton » Fri Dec 21, 2018 5:10 pm

Scooter57 wrote:
Fri Dec 21, 2018 5:06 pm
J G Bankerton wrote:
Thu Dec 20, 2018 1:31 pm
We use the Beardstown accounting method. Looking at the bottom line is what counts no matter how one got there.
IIRC The Beardstown method was to calculate gains so wrongly that when the accounting was corrected most of them dissappeared, rendering the claims that made their investment book a bestseller fraudulent.

Lots of young'uns on this board might not be old enough to remember that.
I thought they counted their contributions; they invested every month depending on the vote of what to buy. Anyway it is a funny accounting.

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

Post by ruralavalon » Fri Dec 21, 2018 6:48 pm

I am disappointed, but not scared. Age 73, retired, no pension or annuities, 50/50 asset allocation.

Portfolio total return is down 5.26% year to date, per Morningstar Portfolio Manager. This is nothing compared to 2008.

Our best fund is Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX), down 0.82% year to date.

Out of curiosity, I looked at how other bond funds are doing. In general short-term and intermediate-term Treasury bond funds, short-term bond funds, and muni bond funds are positive year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by bgf » Fri Dec 21, 2018 7:28 pm

down 16%, a few percentage points worse than my benchmark of 100% VT. in the worst possible fashion for YTD performance, this drop came at the end of the year, taking down all my contributions at generally higher prices along with it...
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

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

Post by Earl Lemongrab » Fri Dec 21, 2018 8:18 pm

Scooter57 wrote:
Fri Dec 21, 2018 5:06 pm
J G Bankerton wrote:
Thu Dec 20, 2018 1:31 pm
We use the Beardstown accounting method. Looking at the bottom line is what counts no matter how one got there.
IIRC The Beardstown method was to calculate gains so wrongly that when the accounting was corrected most of them dissappeared, rendering the claims that made their investment book a bestseller fraudulent.

Lots of young'uns on this board might not be old enough to remember that.
Well, that was an effect. But the accounting error was as Bankerton says. They just looked at what they started with and calculated the gain on the new total. That didn't properly account for new contributions. That's what IRR and such takes care of.

If you realize that's what you're doing, then it's not a problem. I do, and so I am only tracking a few things, none of which are rate of return of the investments. I'm interested in the balance of each sub-allocation in the portfolio, how those compare to their targets, and what the bottom line is. The variance from target tells me what to prioritize for investing new money. It also would signal a rebalance point if one came about (5/25 rules) but that hasn't really happened in a long time. Briefly small blend was too high, but by the time I deployed some new cash into stocks that went away.

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

Post by J G Bankerton » Sat Dec 22, 2018 10:19 am

ruralavalon wrote:
Fri Dec 21, 2018 6:48 pm
I am disappointed, but not scared. Age 73, retired, no pension or annuities, 50/50 asset allocation.
No Social Security? I'm annuitized and pensioned to the max. A year ago I wished I took a lump sum and invested. Now I'm thrilled with my annuities and pension.

We are in the middle of an ass whop'n. :annoyed
I'm still up 5% lifetime yearly average, that did fall a few percent very quickly though.
I have a few 3 year old Roth IRAs that are down even counting the contributions. That money won't be need until 2050 so no problem.

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

Post by desafinado » Sat Dec 22, 2018 10:22 am

This is my first year in the workforce full time, so new contributions have dominated. I'm lucky that I've already had a good enough year financially to lose more than $10k in the stock market!

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

Post by gamboolman » Sat Dec 22, 2018 10:25 am

Down about 10% for year
About 58/42 AA
Hang tuff

Corrected to down about 4.8%
Last edited by gamboolman on Sun Dec 23, 2018 11:15 pm, edited 2 times in total.

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

Post by munemaker » Sat Dec 22, 2018 1:55 pm

Deleted
Last edited by munemaker on Sat Dec 22, 2018 2:00 pm, edited 1 time in total.

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

Post by munemaker » Sat Dec 22, 2018 1:59 pm

gamboolman wrote:
Sat Dec 22, 2018 10:25 am
Down about 10% for year
About 58/42 AA
Hang tuff
Seems like you are down a lot for that asset allocation.

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

Post by DebiT » Sat Dec 22, 2018 2:59 pm

Down 5.84 on 50/50 allocation. Irritating, although I see it's in line with others with similar AA's. That is very reassuring, in light of my questions below.

Is the S&P really up 4.65 YTD, which is what I see on Yahoo? Makes me wonder then how to explain being down, unless bond portion was even worse. Too irritated to continue looking, at this moment.

My benchmarks that I have been using are VBINX, which is 60/40 all US, VSMGX, which adds international, and DODBX, which is 60/40. Respectively, from what I can see on Yahoo, they are -1.08, +2.07, and +2.32. So this makes me wonder what I am doing wrong. Usually, at year-end, these are all a pretty close match to my returns. Maybe the difference is we aren't truly at year-end, so there's a difference in calculations? I don't know.

Sigh. Sometimes I wish I just trusted someone else to do this. But I don't, so there it is.
Age 62, life turned upside down 3/2/19, thanking God for what I've learned from this group

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

Post by J G Bankerton » Sat Dec 22, 2018 3:54 pm

DebiT wrote:
Sat Dec 22, 2018 2:59 pm
Is the S&P really up 4.65 YTD, which is what I see on Yahoo?
Month end November number maybe.
VTI was up 5.52% as of November 30
VTI was up 17.62% on September 30
As of Friday VTI is -8.74%
Brutal.

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

Post by HR_Pickens » Sat Dec 22, 2018 4:15 pm

Down 12.5%. Portfolio consist of 100% stocks. 80% US and 20% International. Staying the course. Not buying more, not buying less.

*disclaimer | I will have a City of New York Pension when I retire. DW and I own small but stable online apparel business. If n

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

Post by J G Bankerton » Sat Dec 22, 2018 4:41 pm

HR_Pickens wrote:
Sat Dec 22, 2018 4:15 pm
*disclaimer | I will have a City of New York Pension when I retire.
Old School, not many defined pension plans anymore. Is there a lump sum offer?
I went with the annuity and during markets like this I'm glad I did.

DrGoogle2017
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Re: What are you up YTD? [Year To Date]

Post by DrGoogle2017 » Sat Dec 22, 2018 4:45 pm

Not as good as last year, but not as bad as if I were in 100% in equities. That’s all I’m going to say. But certainly was very glad to be in 15% in equities sometimes this year. But I did write some cash covered puts, so I’m back to be 47%(equities)/7%(Brokered CDs or bond)/43%(cash).

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

Post by xystici » Sat Dec 22, 2018 5:00 pm

2018 YTD (As of December 22, 2018)

26% Vanguard Total Stock, XIRR = -8.5%
3% Vanguard Mid Cap, XIRR = -12.6%
6% Vanguard Small Cap, XIRR = -13.2%
4% Vanguard REIT, XIRR = -6.2%

31% Vanguard Total Intl, XIRR = -16.7%

26% Vanguard Total Bond, XIRR = -0.5%
4% Vanguard Inflation Protected, XIRR = -1.8%

Total Portfolio, XIRR = -9.3%
Trust yourself, Break the rules, Don't be afraid to fail, Don't listen to naysayers, Work your butt off. "It is in your moments of decision that your destiny is shaped. Choose now and well"

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

Post by schachtw » Sat Dec 22, 2018 5:01 pm

AA is 50/50

Down just under 6% YTD.

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

Post by HR_Pickens » Sat Dec 22, 2018 7:16 pm

J G Bankerton wrote:
Sat Dec 22, 2018 4:41 pm
HR_Pickens wrote:
Sat Dec 22, 2018 4:15 pm
*disclaimer | I will have a City of New York Pension when I retire.
Old School, not many defined pension plans anymore. Is there a lump sum offer?
I went with the annuity and during markets like this I'm glad I did.
They offer a lump sum but I'm definitely going with annuity! :sharebeer

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

Post by smectym » Sun Dec 23, 2018 2:39 am

Can’t provide exact because both spouse and I hold multiple accounts. But we’ve been selling heavily since June for reasons unrelated to market volatility. I’d estimate we’re mildly positive, but lucky if we’d cleared 5%.

Smectym

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