What are you up YTD? [Year To Date]

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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 » Tue Jan 01, 2019 1:00 pm

Toons wrote:
Tue Jan 01, 2019 12:33 pm
The portfolio number is greater than it was 12 months ago.
Me too, I'm up 10.02% total amount for 2018.

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sperry8
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Re: What are you up YTD? [Year To Date]

Post by sperry8 » Tue Jan 01, 2019 1:03 pm

J G Bankerton wrote:
Tue Jan 01, 2019 1:00 pm
Toons wrote:
Tue Jan 01, 2019 12:33 pm
The portfolio number is greater than it was 12 months ago.
Me too, I'm up 10.02% total amount for 2018.
What are you invested in to achieve those results? I don't know of any sector that was up 10% in 2018.
BH contest results: 2019: #233 of 645 | 18: #150 of 493 | 17: #516 of 647 | 16: #121 of 610 | 15: #18 of 552 | 14: #225 of 503 | 13: #383 of 433 | 12: #366 of 410 | 11: #113 of 369 | 10: #53 of 282

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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 » Tue Jan 01, 2019 1:22 pm

sperry8 wrote:
Tue Jan 01, 2019 1:03 pm
J G Bankerton wrote:
Tue Jan 01, 2019 1:00 pm
Toons wrote:
Tue Jan 01, 2019 12:33 pm
The portfolio number is greater than it was 12 months ago.
Me too, I'm up 10.02% total amount for 2018.
What are you invested in to achieve those results? I don't know of any sector that was up 10% in 2018.
That total includes the OPs and my 2018 contributions, I call it "Beardstown" accounting.
In real accounting I'm down 3.2%.

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

Post by radiowave » Tue Jan 01, 2019 1:22 pm

Just wrapped up my 2018 FY

Overall portfolio gains are flat at 0.09% gain at a 55/45 AA
With contributions, savings, home value increase, and a small DB buyout for my spouse, NW increased 10.3%

IPS for 2019:
- increase cash/cash instrument position as prep for retirment
- consolidate 3 tax-deferred accounts into 1
- rebalance to 50/50 by end of year
- rIRA contributions
- stop looking at the market every day
Bogleheads Wiki: https://www.bogleheads.org/wiki/Main_Page

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

Post by Sheepdog » Tue Jan 01, 2019 1:25 pm

25% stock, down -0.39%.
My last down year was the infamous 2008, but I have 18% more in savings today than at the end of 2008 even with only 23-25% stocks and living off of that plus SS in those 10 years. I couldn't want more success than that.
Have a good 2019.
Just because it isn't your fault doesn't mean it isn't your responsibility....Josh Reid Jones

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

Post by mister_sparkle » Tue Jan 01, 2019 1:37 pm

-5.17% with a 70/30 allocation.

Hoping for a better 2019! :sharebeer

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

Post by littlebird » Tue Jan 01, 2019 1:49 pm

Down 1.42% with 12% stock allocation. This is the 3rd year of 40-50K expenses for spouse’s long-term care (at home with 6 hours/day of home health aides most recently.) The higher end of that range is more than our pension and SS totals. This year I will be able to reduce that expense to ~$36,000 with no reduction in level of care, at least as things stand now. I feel very satisfied. 30 years retired.
Last edited by littlebird on Wed Jan 02, 2019 1:08 pm, edited 1 time in total.

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

Post by llama » Tue Jan 01, 2019 1:51 pm

For 2018, I ended up -5.73%. Portfolio is 60/40 with a composition similar to Vanguard LifeStrategy Moderate Growth.

That fund was -4.91% for the year but I performed worse after putting in a giant lump sum (proceeds from house sale) on Sept. 15 (awesome timing).

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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 » Tue Jan 01, 2019 1:54 pm

radiowave wrote:
Tue Jan 01, 2019 1:22 pm
home value increase,
Me too, Zillow says home values are up 8.5 %, for the last 12 months, in my ZIP code.
The title doesn't specify liquid assets. I have some alternative assets that are harder to value than real estate that up too.

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

Post by Ron » Tue Jan 01, 2019 1:56 pm

A/O 1-1-2019 I'm up 0% :mrgreen:

- Ron

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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 » Tue Jan 01, 2019 2:48 pm

Ron wrote:
Tue Jan 01, 2019 1:56 pm
A/O 1-1-2019 I'm up 0% :mrgreen:

- Ron
My money market has accrued dividends but they haven't posted.

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

Post by MnD » Tue Jan 01, 2019 2:55 pm

2018 XIRR = -6.4%
Benchmark return= -6.8%, so beat benchmark by 0.4 percentage points
2018 asset allocation = 70% Global market cap stocks, 30% fixed income and cash.
Eight accounts, 16 holdings, Weighted ER 0.10%

2018 Benchmark was 70% Total World Stock Market (VT), 25% Total Bond Market (BND) and 5% Money Market Prime (VMMXX).

2018 XIRR by account:
His 401-K -4.8%
His taxable -16.0%
His t-IRA -9.6%
Her 401-K -3.4%
Her t-IRA -8.9%
Her r-IRA -7.9%
Her ESOP +42.5%
Her 529 +1.6%

2017 lagged benchmark by 0.9 percentage points, 17.2% versus 18.1%
2016 beat benchmark by 2.4 percentage points, 9.3% versus 6.9%
2015 lagged benchmark by 0.4 percentage points, -1.8% versus -1.4%
2014 lagged benchmark by 2.5 percentage points, 1.1% versus 3.6%
2013 beat benchmark by 2.3 percentage points, 19.3% versus 17.0%
2012 beat benchmark by 2.2 percentage points, 16.2% versus 14.0%
2011 lagged benchmark by 4.8 percentage points, -8.5% versus -3.7%
2010 beat benchmark by 2.4 percentage points, 15.0% versus 12.6%
2009 beat benchmark by 9.4 percentage points, 37.4% versus 28.0%
2008 lagged benchmark by 3.5 percentage points, -35.1% versus -31.6%
70/30 AA, Global market cap equity. Rebalance if FI <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.

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

Post by xystici » Tue Jan 01, 2019 3:12 pm

2018 (As of December 31, 2018)

28% Vanguard Total Stock, XIRR = -5.0%
3% Vanguard Mid Cap, XIRR = -9.5%
6% Vanguard Small Cap, XIRR = -9.6%
3% Vanguard REIT, XIRR = -6.0%

29% Vanguard Total Intl, XIRR = -14.7%

25% Vanguard Total Bond, XIRR = 0.1%
4% Vanguard Inflation Protected, XIRR = -1.5%

Total Portfolio, XIRR = -7.1%
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"

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5th_Dimension
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Re: What are you up YTD? [Year To Date]

Post by 5th_Dimension » Tue Jan 01, 2019 3:18 pm

2018 -4.30%

Right now sitting at 67/33. I have about a 5% Small Cap Tilt.
Sometimes I feel like I'm waltzing in a 4/4 world.

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

Post by baconavocado » Tue Jan 01, 2019 4:07 pm

2018: -1.5%

First down year since 2008.

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

Post by Xanadu » Tue Jan 01, 2019 4:09 pm

-6.8%

30/35/35
Bonds/us/int

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

Post by corpgator » Tue Jan 01, 2019 4:57 pm

Bogleheads returns spreadsheet says I'm down 9.008% for the year. Bearded ladies returns is 25% but I'm in the accumulation phase. Still stung a little having a year with negative returns.

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

Post by pokebowl » Tue Jan 01, 2019 5:15 pm

2018 (As of December 31, 2018): -11.42% in a portfolio of 99.9998% global stocks and 0.00002% Dogecoin. :P
Last edited by pokebowl on Wed Jan 02, 2019 7:42 pm, edited 1 time in total.
Nullius in verba.

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

Post by hmw » Tue Jan 01, 2019 5:18 pm

-4.6% for 2018

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

Post by LadyGeek » Tue Jan 01, 2019 5:19 pm

For those using the Bogleheads return spreadsheet, longinvest is requesting assistance in this thread: Bogleheads Uniform Trailing Returns -- December 31, 2018
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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

Post by yousha » Tue Jan 01, 2019 5:22 pm

I lost $43,000 (paper) on a $5.1 million portfolio. Not bad!

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

Post by longinvest » Tue Jan 01, 2019 5:25 pm

LadyGeek wrote:
Tue Jan 01, 2019 5:19 pm
For those using the Bogleheads return spreadsheet, longinvest is requesting assistance in this thread: Bogleheads Uniform Trailing Returns -- December 31, 2018
Thanks, LadyGeek!
Bogleheads investment philosophy | One-ETF global balanced index portfolio | VPW

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

Post by andypanda » Tue Jan 01, 2019 5:56 pm

What am I up? I'm not up anything for 2018.

I got married in November and I'm still retired, so all in all it was a great year. :sharebeer

I'm going to keep ignoring the $170k I'm down in my taxable account. I haven't looked at my 3 tax sheltered accounts. I'll look at them when I have to take rmds in 2021.

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

Post by boglesmind » Tue Jan 01, 2019 6:01 pm

Portfolio: roughly 75% US stocks, 5% international stocks, 20% bonds
2018 return per Quicken: -5.32%

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

Post by radiowave » Tue Jan 01, 2019 6:20 pm

J G Bankerton wrote:
Tue Jan 01, 2019 1:54 pm
radiowave wrote:
Tue Jan 01, 2019 1:22 pm
home value increase,
Me too, Zillow says home values are up 8.5 %, for the last 12 months, in my ZIP code.
The title doesn't specify liquid assets. I have some alternative assets that are harder to value than real estate that up too.
Zillow is probably not the best way to price a house but it's been pretty accurate in our subdivision. Nice to have a property that is appreciating.
Bogleheads Wiki: https://www.bogleheads.org/wiki/Main_Page

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

Post by fanmail » Tue Jan 01, 2019 6:31 pm

About .3% so far

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

Post by longinvest » Tue Jan 01, 2019 6:33 pm

fanmail wrote:
Tue Jan 01, 2019 6:31 pm
About .3% so far
The market isn't even trading! How did you do that in the few hours of 2019?
Bogleheads investment philosophy | One-ETF global balanced index portfolio | VPW

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

Post by fanmail » Tue Jan 01, 2019 6:34 pm

longinvest wrote:
Tue Jan 01, 2019 6:33 pm
fanmail wrote:
Tue Jan 01, 2019 6:31 pm
About .3% so far
The market isn't even trading! How did you do that in the few hours of 2019?
Futures markets are open now

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

Post by Earl Lemongrab » Tue Jan 01, 2019 8:48 pm

Final results are -4.7%, Beardstown accounting (although much lower new money this years what with retirement and all).

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

Post by mattshwink » Tue Jan 01, 2019 9:57 pm

Down 5.95% in the Retirement Accounts for 2018. First year we ended with less then the year before (including contributions).
529 down 7.83% but still worth more than 2017 (because of contributions).

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

Post by munemaker » Tue Jan 01, 2019 10:15 pm

Final 2018 investment return adjusted for new money added and money taken out for our living expenses: - 3.5%

NOTE: This is not the Beardstown approach.

That's with a target 55/45 portfolio that has drifted to 52.5/47.5. Did not hit the rebalance rail yet.

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

Post by spammagnet » Wed Jan 02, 2019 12:09 am

2018: -2.48%

32% total US market, 8% total international market, 60% US bonds

Reading what others have suffered, I guess I should be happy with my 60% bond portfolio for now. I quit my career job 4 months ago. I'll transition to 60% stock by spending my bonds as a bridge to SS at 70. By that time my sequence of returns risk should be mitigated.

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

Post by Hawaiishrimp » Wed Jan 02, 2019 12:35 am

2018: -0.03%

Currently: 28% total US market, 7% total international market, 65% Bonds/Fixed Income

Considered myself lucky. Hoping for a good 2019.
I save and invest my money, so money can make money for me, so I don't have to make money eventually.

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

Post by letsgobobby » Wed Jan 02, 2019 2:14 am

Deleted
Last edited by letsgobobby on Mon Apr 22, 2019 2:16 am, edited 1 time in total.

Bacchus01
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Re: What are you up YTD? [Year To Date]

Post by Bacchus01 » Wed Jan 02, 2019 8:31 am

We ended the year up 2.0%.

All of that was based on new contributions or real estate value growth offset by about -6% mvestment return. Our investment accounts are 95%+ equities

vested1
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Re: What are you up YTD? [Year To Date]

Post by vested1 » Wed Jan 02, 2019 9:19 am

Dead even so far for 2019. Of course that will change when the markets open. Happy New Year?

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

Post by Nowizard » Wed Jan 02, 2019 9:45 am

down 4.6% at end of year.

Tim

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

Post by goingup » Wed Jan 02, 2019 10:10 am

Down 4.9% with a 60/40ish portfolio. Worse than the benchmarks of Wellington, Balanced Index, Lifestrategy Mod Growth. This due to 20% international but mostly due to moving into ST bonds/cash after TLHing intermediate term muni bond fund. Dumb. :oops:

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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 » Wed Jan 02, 2019 10:56 am

Are we doing 2019? I'm down about 1.1%

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

Post by Garco » Wed Jan 02, 2019 12:15 pm

Summary for 2018: -2.4% total return in my tax deferred retirement account. I was doing great there for a while!

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

Post by ruralavalon » Wed Jan 02, 2019 12:19 pm

J G Bankerton wrote:
Wed Jan 02, 2019 10:56 am
Are we doing 2019? I'm down about 1.1%
Age 73, retired, asset allocation 50/50.

For 2019 our return is up + 0.16%.
Last edited by ruralavalon on Wed Jan 02, 2019 7:03 pm, edited 2 times in total.
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poker27
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Re: What are you up YTD? [Year To Date]

Post by poker27 » Wed Jan 02, 2019 12:19 pm

Only looking at my taxable, I was -6.6%

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

Post by Sandi_k » Wed Jan 02, 2019 1:00 pm

For EOY 2018, we were -2.23%.

But our balances were up, because we continued to contribute. We're up more than $200k since Jan. 1, 2016.

I can live with that. :D

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

Post by WhiteMaxima » Wed Jan 02, 2019 1:54 pm

Any BH with 100/0 AA? What's your return in 2018?

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

Post by Portfolio7 » Wed Jan 02, 2019 6:40 pm

Down (7.6%) for 2018; = benchmark B*. This is for our largest account which comprises 90% of our retirement funds, but 6% is a vested cash pension, so I don't have that or some small IRAs calculated yet. I doubt this will change much. Portfolio is roughly 70/30 (about 50/50 US/Int on the Equity side.)

I haven't calculated Net Worth yet, but perhaps a (10%) decline YTY.

I'm hoping 2018 is simply a year of retrenchment for us. Odds seem pretty good for recovery next year on two fronts, and as for Mr Market, we'll see what he gives.

* My benchmark B is too US centric to fit the standard definition. It's intended to measure whether we're keeping pace relative to US asset growth. My Benchmark A has an appropriate international component, but I haven't calculated that yet.
"An investment in knowledge pays the best interest" - Benjamin Franklin

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

Post by Iorek » Wed Jan 02, 2019 6:43 pm

For 2018 we were down 1.5% (but that includes contributions).
Last edited by Iorek on Thu Jan 03, 2019 6:40 pm, edited 1 time in total.

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

Post by pokebowl » Wed Jan 02, 2019 7:42 pm

WhiteMaxima wrote:
Wed Jan 02, 2019 1:54 pm
Any BH with 100/0 AA? What's your return in 2018?
-11.42%

If you count my 0.00002% allocation to Dogecoin however, its still -11.42%. Thats my entire loss from taxable, IRAs and 401k.
Nullius in verba.

Jags4186
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Re: What are you up YTD? [Year To Date]

Post by Jags4186 » Wed Jan 02, 2019 8:10 pm

YTD I am up 0.10%. 2019 has been good to me so far.

smitty1515
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Re: What are you up YTD? [Year To Date]

Post by smitty1515 » Wed Jan 02, 2019 8:44 pm

WhiteMaxima wrote:
Wed Jan 02, 2019 1:54 pm
Any BH with 100/0 AA? What's your return in 2018?
-11%
Be fearful when others are greedy and greedy when others are fearful. -Warren Buffett

abc132
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Re: What are you up YTD? [Year To Date]

Post by abc132 » Wed Jan 02, 2019 8:55 pm

Around -4% investment returns for 2018

Starting 2018
3% cash/CD
0% bonds
97% stocks (66% US, 20% international, 10% emerging, 4% REIT)

Finishing 2018
9% cash/CD
14% bonds (13 month US treasuries)
77% stocks (63% US, 21% international, 12% emerging, 4% REIT)


2018 Summary
Big losses (-10%+) in non-US stocks pared by timely move from US stocks to US treasuries, with some accumulation of cash/CD for use in early 2019 investments.

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