What are you up YTD? [Year To Date]

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

Post by ruralavalon »

spammagnet wrote: Sun Aug 30, 2020 7:16 pm
smitcat wrote: Fri Aug 28, 2020 7:56 amI do not believe the stats were intended to include contributions.
Some do; some don't. It depends on how you interpret "up YTD". Net worth? Performance? If indicated whether or not they're included, does it matter?
It matters when people don't say what they are reporting.

1) I think in terms of the rate of total return on investment. This year to date the percentage total return on our portfolio is about twice our annual rate of withdrawals for retirement living expenses. (I'll check for the exact rate at the end of the month, tomorrow night.)

2) Others care more about portfolio growth, including contributions. This is called "Beardstown Ladies' accounting".

3) Others care more about growth in net worth, including equity in a home.

The original post in this thread was ambiguous about what was meant by the term "up YTD".
Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%
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spammagnet
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Re: What are you up YTD? [Year To Date]

Post by spammagnet »

ruralavalon wrote: Sun Aug 30, 2020 7:35 pm... I think in terms of the rate of total return on investment.
As do I, but many here refer to "Beardstown" when citing theirs.
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Re: What are you up YTD? [Year To Date]

Post by rockstar »

20%+. This is mind boggling.
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Re: What are you up YTD? [Year To Date]

Post by smitcat »

spammagnet wrote: Sun Aug 30, 2020 7:16 pm
smitcat wrote: Fri Aug 28, 2020 7:56 amI do not believe the stats were intended to include contributions.
Some do; some don't. It depends on how you interpret "up YTD". Net worth? Performance? If indicated whether or not they're included, does it matter?
AOK - then we are up more than 150% this year so far.
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Re: What are you up YTD? [Year To Date]

Post by Portfolio7 »

About 1.5%, give or take, just returns. 70/30, stocks 45% Int'l. I have some funds up quite a bit, some haven't recovered.
"An investment in knowledge pays the best interest" - Benjamin Franklin
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Age 75, retired, our asset allocation is 50/50.

Total return on our portfolio is up 6.34% year to date. That's more than twice our annual withdrawal rate, our withdrawal rate for the year will be about 2.9%.

Best fund so far is Vanguard Total Stock Market Index Fund (VTSAX), total return is up 9.38% year to date.
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Re: What are you up YTD? [Year To Date]

Post by Robot Monster »

Age 66, retired. Most of my money is tied up in gumball machines. My day is occupied with driving around to the various machine locations and emptying out the quarters. With so many quarters, it's hard not hitting up the local arcade. Currently have the high score on Ms. Pac-Man, though someone called "FoxGoblin" constantly steals it back from me. Later tonight I'll count up the quarters, see how far I'm ahead. I'll let you know the tally. Some fell between the car seats, so I have that to deal with. Also gotta change the cat's litter box.
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Re: What are you up YTD? [Year To Date]

Post by TravelforFun »

Robot Monster wrote: Tue Sep 01, 2020 1:47 pm Age 66, retired. Most of my money is tied up in gumball machines. My day is occupied with driving around to the various machine locations and emptying out the quarters. With so many quarters, it's hard not hitting up the local arcade. Currently have the high score on Ms. Pac-Man, though someone called "FoxGoblin" constantly steals it back from me. Later tonight I'll count up the quarters, see how far I'm ahead. I'll let you know the tally. Some fell between the car seats, so I have that to deal with. Also gotta change the cat's litter box.
Lol. We need this kind of post every once in a while.

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

Post by spammagnet »

YTD returns = 8.9%, counting investment account transfer bonuses as gains. (It wasn't my money, so I look at it as gains on my assets.)
YTD returns = 8.7% counting bonuses as contributions.

Allocation 32% Total US (ITOT) / 8% Total Int (IXUS) / 60% US Bonds (AGG)
bugleheadd
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Re: What are you up YTD? [Year To Date]

Post by bugleheadd »

up 45.6% YTD if i include all new money and its gains (401k contributions/match/job income saved and invested )

around 30% if i exclude
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Re: What are you up YTD? [Year To Date]

Post by jay22 »

bugleheadd wrote: Wed Sep 02, 2020 3:45 pm up 45.6% YTD if i include all new money and its gains (401k contributions/match/job income saved and invested )

around 30% if i exclude
Mind sharing your portfolio breakdown?
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Re: What are you up YTD? [Year To Date]

Post by bugleheadd »

jay22 wrote: Wed Sep 02, 2020 3:48 pm
bugleheadd wrote: Wed Sep 02, 2020 3:45 pm up 45.6% YTD if i include all new money and its gains (401k contributions/match/job income saved and invested )

around 30% if i exclude
Mind sharing your portfolio breakdown?

i am currently about 21% (mix of VTI,IVV, VIIIX) / 15% SPY calls / 50% cash. i reduced my spy calls from 30 to 15% around noon today. wish i held on. i really started to see much of the gains since last monday when i decided to allocate much more to SPY calls. before that from june to aug i was trying my hand at selling spy puts for premium, but i was only getting around 0.5% returns a week which didnt seem like much compared to the way spy was taking off.
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Re: What are you up YTD? [Year To Date]

Post by jay22 »

bugleheadd wrote: Wed Sep 02, 2020 4:11 pm
jay22 wrote: Wed Sep 02, 2020 3:48 pm
bugleheadd wrote: Wed Sep 02, 2020 3:45 pm up 45.6% YTD if i include all new money and its gains (401k contributions/match/job income saved and invested )

around 30% if i exclude
Mind sharing your portfolio breakdown?

i am currently about 21% (mix of VTI,IVV, VIIIX) / 15% SPY calls / 50% cash. i reduced my spy calls from 30 to 15% around noon today. wish i held on. i really started to see much of the gains since last monday when i decided to allocate much more to SPY calls. before that from june to aug i was trying my hand at selling spy puts for premium, but i was only getting around 0.5% returns a week which didnt seem like much compared to the way spy was taking off.
Thanks for sharing, and congrats on the great returns this year.
Busdrvr
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Re: What are you up YTD? [Year To Date]

Post by Busdrvr »

401k is now 34% larger than on Jan 1 :D

Using the formula found on page 54 and taking into account the additions the xirr is about 27% ytd. AA still 85/15.

What a year. Thankful for some incredible funds in the plan.
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Re: What are you up YTD? [Year To Date]

Post by sonosoldi3112 »

+16% went all in on NTSX
atdharris
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Re: What are you up YTD? [Year To Date]

Post by atdharris »

I am not sure what my 401k is up this year, but my taxable and Roth IRA combined are up 21% this year. My allocation target is 90% stock and 10% bonds.
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

atdharris wrote: Wed Sep 02, 2020 9:49 pm I am not sure what my 401k is up this year, but my taxable and Roth IRA combined are up 21% this year. My allocation target is 90% stock and 10% bonds.
Up 24.35% YTD
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Age 75, retired, our asset allocation is 50/50.

Total return of our portfolio is up 6.77% year to date.

Best fund so far is Vanguard Total Stock Market Index Fund (VTSAX), total return is up 9.79% year to date.
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Re: What are you up YTD? [Year To Date]

Post by willthrill81 »

ruralavalon wrote: Sat Oct 10, 2020 9:40 am Best fund so far is Vanguard Total Stock Market Index Fund (VTSAX), total return is up 9.79% year to date.
M* shows VTSAX up 8.97% YTD.
“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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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

willthrill81 wrote: Sat Oct 10, 2020 9:42 am
ruralavalon wrote: Sat Oct 10, 2020 9:40 am Best fund so far is Vanguard Total Stock Market Index Fund (VTSAX), total return is up 9.79% year to date.
M* shows VTSAX up 8.97% YTD.
For Vanguard Total Stock Market Index Fund (VTSAX) Morningstar shows a total return of 9.79% year to date. You must be looking a share price.
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willthrill81
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Re: What are you up YTD? [Year To Date]

Post by willthrill81 »

ruralavalon wrote: Sat Oct 10, 2020 9:49 am
willthrill81 wrote: Sat Oct 10, 2020 9:42 am
ruralavalon wrote: Sat Oct 10, 2020 9:40 am Best fund so far is Vanguard Total Stock Market Index Fund (VTSAX), total return is up 9.79% year to date.
M* shows VTSAX up 8.97% YTD.
For Vanguard Total Stock Market Index Fund (VTSAX) Morningstar shows a total return of 9.79% year to date. You must be looking a share price.
I thought that M*'s performance charts included dividends but evidently not. Thanks.
“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
Normchad
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

You guys are absolutely killing it this year. Congratulations to all.

I’m up about 10%, but I’m using beardstown math. I’m very satisfied with this......
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Re: What are you up YTD? [Year To Date]

Post by retire2022 »

Robot Monster wrote: Tue Sep 01, 2020 1:47 pm Age 66, retired. Most of my money is tied up in gumball machines. My day is occupied with driving around to the various machine locations and emptying out the quarters. With so many quarters, it's hard not hitting up the local arcade. Currently have the high score on Ms. Pac-Man, though someone called "FoxGoblin" constantly steals it back from me. Later tonight I'll count up the quarters, see how far I'm ahead. I'll let you know the tally. Some fell between the car seats, so I have that to deal with. Also gotta change the cat's litter box.
Ah that is why there is a national coin shortage, lol! :D
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Re: What are you up YTD? [Year To Date]

Post by Nicolas »

Normchad wrote: Sat Oct 10, 2020 9:53 am You guys are absolutely killing it this year. Congratulations to all.

I’m up about 10%, but I’m using beardstown math. I’m very satisfied with this......
Up thirteen and a half for me, also Beardstown, but I don’t work anymore. Income is just pension which we live on, I don’t touch my portfolio, and not taking SS yet.
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Re: What are you up YTD? [Year To Date]

Post by abuss368 »

I would not know as I do not track. I would have to log into Vanguard to review.

I moved away from tracking performance years ago. I figure the stock and bond markets will provide our fair share.
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Re: What are you up YTD? [Year To Date]

Post by sschullo »

spammagnet wrote: Sun Aug 30, 2020 7:16 pm
smitcat wrote: Fri Aug 28, 2020 7:56 amI do not believe the stats were intended to include contributions.
Some do; some don't. It depends on how you interpret "up YTD". Net worth? Performance? If indicated whether or not they're included, does it matter?
Distributions are added back in.
"We have seen much more money made and kept by “ordinary people” who were temperamentally well suited for the investment process than by those who lacked this quality." Ben Graham
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Re: What are you up YTD? [Year To Date]

Post by wander »

Mine is up 3% YTD. 9% if includes new contribution.
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Re: What are you up YTD? [Year To Date]

Post by SGM »

Roth accounts are up 7.4% year to date. That is accurate and I haven't added anything to it as I have been retired 6 years. I have mostly stock funds and some bond funds.

My taxable accounts are up around 4%, but I add and subtract for those funds regularly and don't keep tight records.

I ignore real estate values, but everyone wants to move out of the cities. A friend just had an estimate on a house directly in front of our vacation house and it is up 50% from what I expected.
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Re: What are you up YTD? [Year To Date]

Post by msr107 »

Total for Roth and taxable accounts:
6.68%
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Re: What are you up YTD? [Year To Date]

Post by dziuniek »

11.8% 50-50 portfolio currently.
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Re: What are you up YTD? [Year To Date]

Post by msr107 »

"I ignore real estate values, but everyone wants to move out of the cities. A friend just had an estimate on a house directly in front of our vacation house and it is up 50% from what I expected."

Nice. The re market is crazy in our area too. We're holding cash in the event the economy tanks after the elections ([political comment removed by admin LadyGeek]) and "deals" in re will be more readily available.
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Re: What are you up YTD? [Year To Date]

Post by tmcc »

100% stocks, 50/50 QQQ/SPY. up around 60% YTD
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

tmcc wrote: Sun Oct 11, 2020 4:40 pm 100% stocks, 50/50 QQQ/SPY. up around 60% YTD
Huh??

Per Morningstar total return of:
Invesco QQQ Trust (QQQ) is up 35.10% Year to Date; and
SPDR® S&P 500 ETF Trust (SPY) is up 9.35% Year to Date.

So total return of a 50/50 portfolio is up 22.23%.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
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Re: What are you up YTD? [Year To Date]

Post by tmcc »

ruralavalon wrote: Sun Oct 11, 2020 4:53 pm
tmcc wrote: Sun Oct 11, 2020 4:40 pm 100% stocks, 50/50 QQQ/SPY. up around 60% YTD
Huh??

Per Morningstar total return of:
Invesco QQQ Trust (QQQ) is up 35.10% Year to Date; and
SPDR® S&P 500 ETF Trust (SPY) is up 9.35% Year to Date.

So total return of a 50/50 portfolio is up 22.23%.
i market timed it in Jan 20 / Mar 20. i'm also rounding. it might be 57% or something.

i also had some exquisite wins with long puts on the collapse. no one saw that coming - me included . i just sell calls and buy puts to hedge.
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Re: What are you up YTD? [Year To Date]

Post by boglechu »

tmcc wrote: Sun Oct 11, 2020 5:04 pm
ruralavalon wrote: Sun Oct 11, 2020 4:53 pm
tmcc wrote: Sun Oct 11, 2020 4:40 pm 100% stocks, 50/50 QQQ/SPY. up around 60% YTD
Huh??

Per Morningstar total return of:
Invesco QQQ Trust (QQQ) is up 35.10% Year to Date; and
SPDR® S&P 500 ETF Trust (SPY) is up 9.35% Year to Date.

So total return of a 50/50 portfolio is up 22.23%.
i market timed it in Jan 20 / Mar 20. i'm also rounding. it might be 57% or something.

i also had some exquisite wins with long puts on the collapse. no one saw that coming - me included . i just sell calls and buy puts to hedge.
what calls/puts do you have now? great performance!
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Re: What are you up YTD? [Year To Date]

Post by boglechu »

In my 401k whre I can only invest in a few ETF/mutual funds, with 80% s&p, 5% mid cap, 5% small cap, and 10% international, I am up 3.8% for the year. I thought it would be higher but that's what the 401k software says.

In roth ira, up 40% after selling vti to get qqq, then selling qqq to buy amazon and apple after the dip.

in various taxable (mainly started investing after the crash), I am up about 15% w/ a mix of individual stocks.
tmcc
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Re: What are you up YTD? [Year To Date]

Post by tmcc »

boglechu wrote: Mon Oct 12, 2020 1:17 am
tmcc wrote: Sun Oct 11, 2020 5:04 pm
ruralavalon wrote: Sun Oct 11, 2020 4:53 pm
tmcc wrote: Sun Oct 11, 2020 4:40 pm 100% stocks, 50/50 QQQ/SPY. up around 60% YTD
Huh??

Per Morningstar total return of:
Invesco QQQ Trust (QQQ) is up 35.10% Year to Date; and
SPDR® S&P 500 ETF Trust (SPY) is up 9.35% Year to Date.

So total return of a 50/50 portfolio is up 22.23%.
i market timed it in Jan 20 / Mar 20. i'm also rounding. it might be 57% or something.

i also had some exquisite wins with long puts on the collapse. no one saw that coming - me included . i just sell calls and buy puts to hedge.
what calls/puts do you have now? great performance!
nothing fancy. just a 4:1 put:call collar on 10% down and 5% up.
BV3273
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Re: What are you up YTD? [Year To Date]

Post by BV3273 »

YTD 25.90%.

5% company stock
40% Fidelity Co Growth
40% SP500
15% Vanguard International Growth
GoldenGoose
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Re: What are you up YTD? [Year To Date]

Post by GoldenGoose »

rockstar wrote: Sun Aug 30, 2020 8:52 pm 20%+. This is mind boggling.
So what is your return now after a dismal September?
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Re: What are you up YTD? [Year To Date]

Post by GoldenGoose »

tmcc wrote: Sun Oct 11, 2020 5:04 pm
ruralavalon wrote: Sun Oct 11, 2020 4:53 pm
tmcc wrote: Sun Oct 11, 2020 4:40 pm 100% stocks, 50/50 QQQ/SPY. up around 60% YTD
Huh??

Per Morningstar total return of:
Invesco QQQ Trust (QQQ) is up 35.10% Year to Date; and
SPDR® S&P 500 ETF Trust (SPY) is up 9.35% Year to Date.

So total return of a 50/50 portfolio is up 22.23%.
i market timed it in Jan 20 / Mar 20. i'm also rounding. it might be 57% or something.

i also had some exquisite wins with long puts on the collapse. no one saw that coming - me included . i just sell calls and buy puts to hedge.
Market timing??? How come I haven't seen anyone beating you up for doing market timing, which is so anti-BH! Is it because you are so lucky and get a great returns?
rockstar
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Re: What are you up YTD? [Year To Date]

Post by rockstar »

GoldenGoose wrote: Mon Oct 12, 2020 10:05 am
rockstar wrote: Sun Aug 30, 2020 8:52 pm 20%+. This is mind boggling.
So what is your return now after a dismal September?
My return as of today is 26% not counting today.
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Re: What are you up YTD? [Year To Date]

Post by Portfolio7 »

3% YTD, excluding contributions. 75/25 with healthy international & tilt to size. In retrospect, this is something of a retrenchment year.
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Re: What are you up YTD? [Year To Date]

Post by reln »

10% YTD.

AA is 100% stocks.
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Re: What are you up YTD? [Year To Date]

Post by Semantics »

Up around 11% overall, but tax advantaged accounts are up 31.7% due to timing the crash. Hoping that changing up my AA in taxable will offset the underperformance and tax bill there.
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Re: What are you up YTD? [Year To Date]

Post by GoldenGoose »

SGM wrote: Sun Oct 11, 2020 12:04 pm Roth accounts are up 7.4% year to date. That is accurate and I haven't added anything to it as I have been retired 6 years. I have mostly stock funds and some bond funds.

My taxable accounts are up around 4%, but I add and subtract for those funds regularly and don't keep tight records.

I ignore real estate values, but everyone wants to move out of the cities. A friend just had an estimate on a house directly in front of our vacation house and it is up 50% from what I expected.
Retired and all stocks? You must have one kind of an emergency fund.
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Re: What are you up YTD? [Year To Date]

Post by SGM »

GoldenGoose wrote: Tue Oct 13, 2020 4:37 am
SGM wrote: Sun Oct 11, 2020 12:04 pm Roth accounts are up 7.4% year to date. That is accurate and I haven't added anything to it as I have been retired 6 years. I have mostly stock funds and some bond funds.

My taxable accounts are up around 4%, but I add and subtract for those funds regularly and don't keep tight records.

I ignore real estate values, but everyone wants to move out of the cities. A friend just had an estimate on a house directly in front of our vacation house and it is up 50% from what I expected.
Retired and all stocks? You must have one kind of an emergency fund.
I didn't write all stocks. However we live off of multiple income streams and not our portfolio.
I do not rebalance . We have rental income , annuities and delayed SS. We will never have RMDs as I converted prior to taking SS. I planned well in advance of retirement. I don't have the time to go into great detail. I also invested in my graduate and professional education to increase my enjoyment and my income.
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Re: What are you up YTD? [Year To Date]

Post by Broken Man 1999 »

Up 7.81%, YTD

AA 01/01/2020 = 50% equities/50% bonds.
AA 10/13/2020 = 55.6% equities/44.4% bonds.

When I went to AA 50% equities/50% bonds in 2015 (received large influx of $$$ from lump-sum pension), I thought of going higher in equities starting in 2020 (55% equities/45% bonds). And, going to 60% equities/40% bonds in 2025.

The one consideration was keeping a minimum years expenses floor in our bonds, which we exceed greatly at the moment.

So far so good. OTOH, we aren't out of 2020 yet.

Broken Man 1999
“If I cannot drink Bourbon and smoke cigars in Heaven then I shall not go. " -Mark Twain
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Re: What are you up YTD? [Year To Date]

Post by GoldenGoose »

A friend of mine is thinking about taking profits. I am staying. Buy and hold. Long term investing. I think November will be a good month too. Not sure about December.
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Re: What are you up YTD? [Year To Date]

Post by Sandi_k »

GoldenGoose wrote: Tue Oct 13, 2020 12:22 pm A friend of mine is thinking about taking profits. I am staying. Buy and hold. Long term investing. I think November will be a good month too. Not sure about December.
I thought about it last night, when I hit the total for the portfolio that we were aiming for on Dec. 31. My Fidelity NASDAQ Composite Index Fund (FNCMX) is up 36% YTD, and Fidelity Biotech Index FBIOX is up 16%, with FSPHX (Health Care Index) is up ~ 5%.

But then I reminded myself that my asset allocation is well within my rebalancing bands; the whole point of buy and hold is appreciation; and even if everything retrenches, we're doing fine with more than 5 years to retirement. I continue to buy TSM, and contribute monthly, so STEP AWAY.

I made a note in my spreadsheet to remind myself of why I said NO, NOT TONIGHT, and will continue to remind myself of this.
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Re: What are you up YTD? [Year To Date]

Post by newguy123 »

I was up 197% YTD at one point with options/stocks. Now I am down ~30% ytd .... I lost the full 197% gain plus another 30% of the initial capital
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