## What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
NYCwriter
Posts: 267
Joined: Thu Sep 17, 2015 12:46 am

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

J G Bankerton wrote:
Fri Nov 01, 2019 12:41 pm
bgf wrote:
Thu Oct 31, 2019 6:46 pm
abuss368 wrote:
Thu Oct 31, 2019 5:53 pm
I am somewhat surprised how many Bogleheads calculate or track performance.
eh, BHs tend to like money and numbers, which makes counting our money one of our favorite past times
Numbers tell one when to rebalance. This is why they teach math as on of the three "R"s.

Anyway, whether I Excel it or use an app to check allocation, I'm not actually doing that math, just inputting or extracting data, yes? For rebalancing, I'm less concerned with YTD performance and more attentive to allocation percentage.

Portfolio7
Posts: 645
Joined: Tue Aug 02, 2016 3:53 am

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

Wed Nov 06, 2019 12:08 am
I disagree.

If there are no contributions or withdrawals, FOGU's example is good enough (except for the minor correction I stated above).

If there are contributions or withdrawals, it gets complicated. But a back of the envelope calculation can add half the total of contributions minus withdrawals (assuming they were evenly spread out across the year) to the beginning balance and use that as the denominator.
+1. At the end of the year I add all my contributions (which are comprised of equally distributed payments, except for a lump sum contribution late in 3Q from a bonus payment). I multiply that by .45 (a little under half, since my contributions are skewed a bit to the second half of the year, and thus have less time to earn). I add that amount to my starting balance, and use that as my denominator. I take as my numerator my end of year balance adjusted for any unusual events. Divide the two and the growth is my annual return.

My calculated returns generally agree to my on-line statements for FY return within a few basis points (hundredths of a percent), which for me is close enough. The method generally works pretty well, but you can also do a weighted average calculation for your contributions and add that to your starting balance for a bit more accuracy. (I started that calculation when I received quarterly paper statements that excluded annual results.)
"An investment in knowledge pays the best interest" - Benjamin Franklin

J G Bankerton
Posts: 1453
Joined: Thu Sep 14, 2017 3:30 pm

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

Grt2bOutdoors wrote:
Tue Nov 05, 2019 8:52 pm
J G Bankerton wrote:
Tue Oct 29, 2019 5:12 pm
YTD looks really good because it doesn't include October and December of 2018. My 12 month return is 4.4% Vanguard doesn't do YTD and I don't have enough fingers and toes to figure it on my own.
Any 12 month return that is positive and above the rate of inflation, is a good return.
Don't forget taxes. I'm in the 51% marginal tax bracket.* My real gains are not as impressive as they look on paper. Inflation was 1.6% according to my inflation protected annuities.

*viewtopic.php?t=237823
J G Bankerton wrote:
Fri Nov 01, 2019 1:10 pm
Average daily balance would be a good number; that is how banks figure credit balances. Is there an app for that?
Wed Nov 06, 2019 12:08 am
If there are no contributions or withdrawals, FOGU's example is good enough (except for the minor correction I stated above).
I invest ten units a month, more if there is a falling knife. That is what makes figuring YTD so difficult. Fortunately YTD is not that important especially on January 1st.

MnD
Posts: 4347
Joined: Mon Jan 14, 2008 12:41 pm

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

+15.4%.
Detracting from a YTD model portfolio with our same AA of 16.1% is having a significant portion of our fixed income in stable value versus nominal bonds. Coming up on first year in retirement at the end of the month and I'm just pleased it didn't start out like 1966 (knock on wood)!

winner23red
Posts: 22
Joined: Mon Mar 21, 2016 6:08 am

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

YTD..... 20.5%
65/25/10 (US Total/Int'l Total/Total Bonds)

abuss368
Posts: 15961
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Location: Where the water is warm, the drinks are cold, and I don't know the names of the players!

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

With the recent market increase I still have not had any interest to log into our portfolio and determine year to date performance results.

Stay the course and tune out market noise.
John C. Bogle - Two Fund Portfolio: Total Stock & Total Bond. "Simplicity is the master key to financial success."

J G Bankerton
Posts: 1453
Joined: Thu Sep 14, 2017 3:30 pm

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

MnD wrote:
Wed Nov 06, 2019 9:19 am
stable value
I had to look that up. That is not unlike an annuity.

Posts: 1257
Joined: Fri Apr 25, 2014 6:38 pm

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

22.73% YTD.

angeleyes
Posts: 3
Joined: Tue Dec 11, 2018 12:37 am

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

20.12% YTD

Stocks 88% Bonds 12%

arsenalfan
Posts: 774
Joined: Mon Dec 09, 2013 12:26 am

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

24%
Great, since everything is on autopilot.
Was shocked until I looked at my numbers for past 2 years - I forgot about the ~14% drop in 4Q 2018

Bluce
Posts: 278
Joined: Tue May 10, 2011 11:01 pm
Location: Finger Lakes, NYS

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

angeleyes wrote:
Sat Nov 09, 2019 4:51 pm
20.12% YTD

Stocks 88% Bonds 12%

Yup!

My PF (70% fixed) is up more than twice what I've earned working YTD.

bgf
Posts: 1089
Joined: Fri Nov 10, 2017 9:35 am

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

arsenalfan wrote:
Sat Nov 09, 2019 5:01 pm
24%
Great, since everything is on autopilot.
Was shocked until I looked at my numbers for past 2 years - I forgot about the ~14% drop in 4Q 2018
im global weight so essentially treading water since the high in feb of 2018. if i were 100% US the performance would be better but still not amazing, from that particular high anyway.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

sksbog
Posts: 309
Joined: Wed Jun 20, 2012 9:14 pm

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

75/25 3 Fund portfolio.

12.9% up ytd

Buckeye Chuck
Posts: 54
Joined: Wed Jun 05, 2019 8:54 pm

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

24% ytd

MathIsMyWayr
Posts: 1082
Joined: Mon Mar 27, 2017 10:47 pm
Location: CA

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

21% YTD (11/08/19)

lostdog
Posts: 2036
Joined: Thu Feb 04, 2016 2:15 pm

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

bgf wrote:
Sat Nov 09, 2019 5:56 pm
arsenalfan wrote:
Sat Nov 09, 2019 5:01 pm
24%
Great, since everything is on autopilot.
Was shocked until I looked at my numbers for past 2 years - I forgot about the ~14% drop in 4Q 2018
im global weight so essentially treading water since the high in feb of 2018. if i were 100% US the performance would be better but still not amazing, from that particular high anyway.
We've been sideways for two years. This info isn't click bait for the media. The current highs and impending doom and gloom recessions. All noise.
VTWAX and chill.

Portfolio7
Posts: 645
Joined: Tue Aug 02, 2016 3:53 am

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

MnD wrote:
Wed Nov 06, 2019 9:19 am
+15.4%.
Detracting from a YTD model portfolio with our same AA of 16.1% is having a significant portion of our fixed income in stable value versus nominal bonds. Coming up on first year in retirement at the end of the month and I'm just pleased it didn't start out like 1966 (knock on wood)!
All my fixed income is in Stable Value as well. It was recommended to me that as long a expected returns are higher than SEC yield on the total bond fund (or Int Trsy Fund), then stay in SV. Yield were converging at one point, but never closed the gap. I view that as one of those decisions that will work against me at times, and for me at others...

Have you just had the SV fund in retirement, or did you use it while you were in the accumulation stage also? If you did use it in accumulation, was it also 100% of your FI?
"An investment in knowledge pays the best interest" - Benjamin Franklin

kenyan
Posts: 2986
Joined: Thu Jan 13, 2011 12:16 am

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

Up about 30% with Beardstown math.

Up about 16% based upon returns. Will actually do an XIRR once the year is up to get the real answer.
Retirement investing is a marathon.

Sheepdog
Posts: 5390
Joined: Tue Feb 27, 2007 3:05 pm
Location: Indiana, retired 1998 at age 65

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

86 years old, retired.....stock allocation is 25%.....2019 investment performance: 8.09%
Just because it isn't your fault doesn't mean it isn't your responsibility....Josh Reid Jones

marti038
Posts: 158
Joined: Tue Mar 21, 2017 3:45 pm
Location: Birmingham, AL

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

34.9% as of this morning, 100% in stock.

We bought some ROKU at a really good time which has proven to be a bit of a swoon for our portfolio this year.

FOGU
Posts: 260
Joined: Tue Apr 24, 2018 9:41 pm

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

Wed Nov 06, 2019 12:04 am
FOGU wrote:
Thu Oct 31, 2019 8:35 pm
J G Bankerton wrote:
Tue Oct 29, 2019 5:12 pm
YTD looks really good because it doesn't include October and December of 2018. My 12 month return is 4.4% Vanguard doesn't do YTD and I don't have enough fingers and toes to figure it on my own.
Just divide current balance by the starting balance.

Example: Jan 1, 2019 balance is 900k. End of day balance on Oct 31, 2019 is 1.1m. Ending balance divided by starting balance = 1.22. You're up 22%.
Sorry to get technical. But the denominator should be balance as of 12/31/2018
Not really. Jan 1 is a market holiday so Dec 31 is the same as Jan 1 for purposes of calculation.

LilyFleur
Posts: 713
Joined: Fri Mar 02, 2018 10:36 pm

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

10.14% based on actual returns. Retired.

LilyFleur
Posts: 713
Joined: Fri Mar 02, 2018 10:36 pm

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

What in the world is Beardstown math?

MathIsMyWayr
Posts: 1082
Joined: Mon Mar 27, 2017 10:47 pm
Location: CA

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

LilyFleur wrote:
Sun Nov 17, 2019 2:38 am
What in the world is Beardstown math?
The Beardstown Business and Professional Women's Investment Club:
The audit that showed the ladies' famous investment club didn't make much of a killing in the stock market at all, that their vaunted 23.4 percent, 10-year average annual rate of return was really 9.1 percent.

clip651
Posts: 471
Joined: Thu Oct 02, 2014 11:02 am

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

LilyFleur wrote:
Sun Nov 17, 2019 2:38 am
What in the world is Beardstown math?

Bluce
Posts: 278
Joined: Tue May 10, 2011 11:01 pm
Location: Finger Lakes, NYS

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

My 30/70 PF has gained exactly 12.00% YTD.

Beardstown: +12.89% YTD.

BT math doesn't move the needle much anymore. Ah, to be young again and have very few assets!

StrangePenguin
Posts: 107
Joined: Tue Mar 27, 2018 11:35 am

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

Bluce wrote:
Sun Nov 17, 2019 9:47 am
My 30/70 PF has gained exactly 12.00% YTD.

Beardstown: +12.89% YTD.

BT math doesn't move the needle much anymore. Ah, to be young again and have very few assets!
I am in a mode where I am saving more than ever before but I have only been saving a lot for a few years, so my savings each year is really having a big impact on a percentage basis.

(Today's total - Jan 1, 2019) / (Jan 1) = 40.8%
but
(Today's total - Jan 1, 2019 - 2019 contributions) / (Jan 1) = 21.9%

ruralavalon
Posts: 16669
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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

StrangePenguin wrote:
Sun Nov 17, 2019 10:51 am
Bluce wrote:
Sun Nov 17, 2019 9:47 am
My 30/70 PF has gained exactly 12.00% YTD.

Beardstown: +12.89% YTD.

BT math doesn't move the needle much anymore. Ah, to be young again and have very few assets!
I am in a mode where I am saving more than ever before but I have only been saving a lot for a few years, so my savings each year is really having a big impact on a percentage basis.

(Today's total - Jan 1, 2019) / (Jan 1) = 40.8%
but
(Today's total - Jan 1, 2019 - 2019 contributions) / (Jan 1) = 21.9%
At your stage the most important investing decision is to maintain a high contribution rate. Keep it up.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

Posts: 2487
Joined: Thu Jun 27, 2013 2:15 pm

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

FOGU wrote:
Sun Nov 17, 2019 1:23 am
Wed Nov 06, 2019 12:04 am
FOGU wrote:
Thu Oct 31, 2019 8:35 pm
J G Bankerton wrote:
Tue Oct 29, 2019 5:12 pm
YTD looks really good because it doesn't include October and December of 2018. My 12 month return is 4.4% Vanguard doesn't do YTD and I don't have enough fingers and toes to figure it on my own.
Just divide current balance by the starting balance.

Example: Jan 1, 2019 balance is 900k. End of day balance on Oct 31, 2019 is 1.1m. Ending balance divided by starting balance = 1.22. You're up 22%.
Sorry to get technical. But the denominator should be balance as of 12/31/2018
Not really. Jan 1 is a market holiday so Dec 31 is the same as Jan 1 for purposes of calculation.
Good one! I failed to realize that LOL!

Portfolio7
Posts: 645
Joined: Tue Aug 02, 2016 3:53 am

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

I am in a mode where I am saving more than ever before but I have only been saving a lot for a few years, so my savings each year is really having a big impact on a percentage basis.

(Today's total - Jan 1, 2019) / (Jan 1) = 40.8%
but
(Today's total - Jan 1, 2019 - 2019 contributions) / (Jan 1) = 21.9%
Good job! That's what you expect to see - here are our first several years of saving:

Annual Increase in Retirement Assets 435% 150% 107% 68% 56% 6%

Returns were good in the late 1990's, but not that good! The increases dropped to single digits shortly thereafter during the dot.com crash, before rebounding. These days, my rolling average rate of return seems to be about 8%, while retirement assets are increasing about 10% annually; contributions are clearly about 2%.
"An investment in knowledge pays the best interest" - Benjamin Franklin

boglesmind
Posts: 212
Joined: Sun Jan 05, 2014 1:07 pm

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

lostdog wrote:
Sun Nov 10, 2019 9:06 am
bgf wrote:
Sat Nov 09, 2019 5:56 pm
arsenalfan wrote:
Sat Nov 09, 2019 5:01 pm
24%
Great, since everything is on autopilot.
Was shocked until I looked at my numbers for past 2 years - I forgot about the ~14% drop in 4Q 2018
im global weight so essentially treading water since the high in feb of 2018. if i were 100% US the performance would be better but still not amazing, from that particular high anyway.
We've been sideways for two years. This info isn't click bait for the media. The current highs and impending doom and gloom recessions. All noise.
Roughly 70/30 stocks/bonds
20.49% IRR for 2019 (assuming zero change in portfolio values from now till 12/31/19).
23.71% IRR for YTD (11/15/19)
6.72% IRR for 2 years ending 2019 (same assumption as above).
Portfolio growth in the last two years has more than covered our withdrawals during that time.

IRR calculated using Quicken.

Boglesmind

marti038
Posts: 158
Joined: Tue Mar 21, 2017 3:45 pm
Location: Birmingham, AL

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

Checked again this morning. Now up 38% not including new contributions.

What a year.

J G Bankerton
Posts: 1453
Joined: Thu Sep 14, 2017 3:30 pm

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

marti038 wrote:
Tue Nov 26, 2019 11:59 am
Checked again this morning. Now up 38% not including new contributions.

What a year.
How did you beat the S&P 500?

xystici
Posts: 315
Joined: Thu Nov 19, 2009 4:40 pm
Location: San Diego, Boston & Barcelona

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

2019 YTD (As of November 28, 2019)

30% Vanguard Total Stock, XIRR = 28.9%
3% Vanguard Mid Cap, XIRR = 29.6%
7% Vanguard Small Cap, XIRR = 26.5%
4% Vanguard REIT, XIRR = 31.9%

29% Vanguard Total Intl, XIRR = 18.5%

23% Vanguard Total Bond, XIRR = 9.2%
3% Vanguard Inflation Protected, XIRR = 8.7%

Total Portfolio, XIRR = 19.9%
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"

Posts: 1257
Joined: Fri Apr 25, 2014 6:38 pm

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

I am up 25.62% YTD.

I am very, very happy.

Bluce
Posts: 278
Joined: Tue May 10, 2011 11:01 pm
Location: Finger Lakes, NYS

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

30/70 AA, up 12.77% YTD, no Beardstown math.

McGilicutty
Posts: 205
Joined: Tue Dec 13, 2016 5:24 pm

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

My asset allocation is 94/6 ~ 94% S&P 500 and 6% individual stocks.

My total return YTD is 25.8%. The S&P 500 is up a little over 28% YTD, so my messing around with individual stocks has cost me a little over 2% in returns this year so far.

spefactor
Posts: 73
Joined: Tue May 12, 2009 6:44 pm

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

up 29.8%, beardstown math

Bluce
Posts: 278
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Location: Finger Lakes, NYS

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

McGilicutty wrote:
Fri Nov 29, 2019 1:28 am
My asset allocation is 94/6 ~ 94% S&P 500 and 6% individual stocks.

My total return YTD is 25.8%. The S&P 500 is up a little over 28% YTD, so my messing around with individual stocks has cost me a little over 2% in returns this year so far.

AFAIK, individual stocks and stock funds all go together.

ruralavalon
Posts: 16669
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

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

Age 74, retired, asset allocation is 50/50.
our wit
Total return up 17.19% year to date.

Best fund so far is Vanguard Total Stock Market Index Fund (VTSAX), total return up 27.16%.

Our investment returns are more than three times the amount of our withdrawals.
Last edited by ruralavalon on Sat Nov 30, 2019 12:50 pm, edited 3 times in total.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

sschullo
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Contact:

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

spefactor wrote:
Fri Nov 29, 2019 11:20 pm
up 29.8%, beardstown math
Public School K-12 Educators: "Ask NOT what your annuity sales person can do for you, ask what you can do to be a Do-It-Yourselfer (DIY)."

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

34/66

12.2%
Public School K-12 Educators: "Ask NOT what your annuity sales person can do for you, ask what you can do to be a Do-It-Yourselfer (DIY)."

Dottie57
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Location: Earth Northern Hemisphere

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

Changed asset allocation from 50/50 tp 40/60 mid year. Not comfortable while waiting for SS AT 50/50.

17% up. Great year.

ohai
Posts: 1127
Joined: Wed Dec 27, 2017 2:10 pm

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

Up 41% YTD! Although this was after down 12% in 2018...

yogesh
Posts: 400
Joined: Thu Oct 11, 2012 6:20 pm

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

ohai wrote:
Sat Nov 30, 2019 11:33 am
Up 41% YTD! Although this was after down 12% in 2018...
Emergency: FDIC | Taxable: VTMFX | Retirement: TR2040

ohai
Posts: 1127
Joined: Wed Dec 27, 2017 2:10 pm

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

yogesh wrote:
Sun Dec 01, 2019 10:27 am
ohai wrote:
Sat Nov 30, 2019 11:33 am
Up 41% YTD! Although this was after down 12% in 2018...
In order of dollar size:
1) Normal US equity large cap
2) Leveraged equity I.e. UPrO (I did this before hedgefundie!!)
3) Muni funds (great year)
4) small cap (losers)

APX32
Posts: 4
Joined: Sat May 27, 2017 1:22 pm

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

Dumb question, when calculating returns, how do you account for your own contributions? I’ll share my own numbers, I keep everything in a simple spreadsheet.

(All figures rounded to the nearest thousand)

Balance of all investments on Jan 1, 2019: \$504,000
401k contributions: \$19,000
Company match: \$9,500
Backdoor Roth: \$6,000
HSA: \$3,500
I-bonds: \$10,000
Additional savings to taxable account; \$20,000

Total savings for 2019: \$68,000

Balance as of Dec 1: \$692,000

So, my total return is (504,000+68,000) / 692,000 = 17.4%

Do I have it correct? Or do I simply go with how much higher I sit now compared to Jan 1, in which case I’m up 28%.

BigWave Dave
Posts: 2
Joined: Wed Nov 27, 2019 10:36 am
Location: Fair Oaks N.Y.

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

OTIIX 32.1%

Portfolio7
Posts: 645
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### Re: What are you up YTD? [Year To Date]

APX32 wrote:
Mon Dec 02, 2019 12:23 am
Dumb question, when calculating returns, how do you account for your own contributions? I’ll share my own numbers, I keep everything in a simple spreadsheet.

(All figures rounded to the nearest thousand)

Balance of all investments on Jan 1, 2019: \$504,000
401k contributions: \$19,000
Company match: \$9,500
Backdoor Roth: \$6,000
HSA: \$3,500
I-bonds: \$10,000
Additional savings to taxable account; \$20,000

Total savings for 2019: \$68,000

Balance as of Dec 1: \$692,000

So, my total return is (504,000+68,000) / 692,000 = 17.4%

Do I have it correct? Or do I simply go with how much higher I sit now compared to Jan 1, in which case I’m up 28%.
Be aware you need to divide by the beginning balance, not the ending balance. You are inverting the mathematical relationship in all of your calculations above:

(504 + 68)/692 is 82.6%, which I think you are subtracting from 100% to get 17.4%. This is incorrect, but replicated for clarity.

Total increase is (692-504=) 188/504 = 37.3%. This is not your returns, because as per your comments, it includes contributions. It's still a useful number when looking at your net worth growth, but not for assessing your investment returns.

If one assumes your contributions were spread out evenly over the entire year... A simple estimation model follows.
\$692K less 504K = 188K is your returns plus contributions
\$188K less \$68K contributions = \$120K is your returns.
\$120K/Beginning balance is your return if you have zero contributions.
To incorporate contributions, assume they were contributed roughly evenly throughout the year (i.e. not all on Jan 1, or Dec 31)
To do that, divide contributions by half, and add to your Beginning Balance.
\$68K/2= \$34K. \$34K plus \$504K = \$538. This is your revised beginning balance, for purposes of this model.
You can ratio the divisor of the \$68k if you think the contribution timing was front end or back end loaded, but am keeping it simple.
Now simply divide your \$120K in returns by your \$538K revised beginning balance.
120/538 = 22.3%

This would be consistent with a US centric heavily equity portfolio.
"An investment in knowledge pays the best interest" - Benjamin Franklin