What are you up YTD? [Year To Date]

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

Post by stimulacra »

YTD is 11%.

Asset allocation is 65% equities, 30% bonds, 5% gold.
GoldenGoose
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Re: What are you up YTD? [Year To Date]

Post by GoldenGoose »

newguy123 wrote: Wed Oct 14, 2020 8:19 am 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
Wow what did you speculate on?
newguy123
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Re: What are you up YTD? [Year To Date]

Post by newguy123 »

GoldenGoose wrote: Wed Oct 14, 2020 9:49 am
newguy123 wrote: Wed Oct 14, 2020 8:19 am 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
Wow what did you speculate on?
United airline puts , Carnival cruise puts, Tesla puts in March

Held the Tesla puts too long ... Luckily let them go or I would of been wiped out
Would I rather relax and make money or make money and relax ?
GoldenGoose
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Re: What are you up YTD? [Year To Date]

Post by GoldenGoose »

newguy123 wrote: Wed Oct 14, 2020 9:51 am
GoldenGoose wrote: Wed Oct 14, 2020 9:49 am
newguy123 wrote: Wed Oct 14, 2020 8:19 am 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
Wow what did you speculate on?
United airline puts , Carnival cruise puts, Tesla puts in March

Held the Tesla puts too long ... Luckily let them go or I would of been wiped out
Ah ok. Thanks for sharing. This must be just the high risk/high reward portion of your portfolio. You of course do have other more conservative stocks/fund holdings, I assume.
newguy123
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Re: What are you up YTD? [Year To Date]

Post by newguy123 »

GoldenGoose wrote: Wed Oct 14, 2020 9:59 am
newguy123 wrote: Wed Oct 14, 2020 9:51 am
GoldenGoose wrote: Wed Oct 14, 2020 9:49 am
newguy123 wrote: Wed Oct 14, 2020 8:19 am 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
Wow what did you speculate on?
United airline puts , Carnival cruise puts, Tesla puts in March

Held the Tesla puts too long ... Luckily let them go or I would of been wiped out
Ah ok. Thanks for sharing. This must be just the high risk/high reward portion of your portfolio. You of course do have other more conservative stocks/fund holdings, I assume.
I'm new to the whole boglehead mantra so it was 100% of my stock account (I also have real estate). I have a high risk/high reward speculation method which I am trying to stop - I go all in on positions and this year started using options, which worked great at first but then didn't turn out too well. I already know this makes me look bad, but that is what worked for me in the past and now I am trying to change since the loss
Would I rather relax and make money or make money and relax ?
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

newguy123 wrote: Wed Oct 14, 2020 10:04 am
GoldenGoose wrote: Wed Oct 14, 2020 9:59 am
newguy123 wrote: Wed Oct 14, 2020 9:51 am
GoldenGoose wrote: Wed Oct 14, 2020 9:49 am
newguy123 wrote: Wed Oct 14, 2020 8:19 am 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
Wow what did you speculate on?
United airline puts , Carnival cruise puts, Tesla puts in March

Held the Tesla puts too long ... Luckily let them go or I would of been wiped out
Ah ok. Thanks for sharing. This must be just the high risk/high reward portion of your portfolio. You of course do have other more conservative stocks/fund holdings, I assume.
I'm new to the whole boglehead mantra so it was 100% of my stock account (I also have real estate). I have a high risk/high reward speculation method which I am trying to stop - I go all in on positions and this year started using options, which worked great at first but then didn't turn out too well. I already know this makes me look bad, but that is what worked for me in the past and now I am trying to change since the loss
Trying to change, so start here: "Bogleheads® investment philosophy".
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
newguy123
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Re: What are you up YTD? [Year To Date]

Post by newguy123 »

ruralavalon wrote: Wed Oct 14, 2020 10:22 am
newguy123 wrote: Wed Oct 14, 2020 10:04 am
GoldenGoose wrote: Wed Oct 14, 2020 9:59 am
newguy123 wrote: Wed Oct 14, 2020 9:51 am
GoldenGoose wrote: Wed Oct 14, 2020 9:49 am

Wow what did you speculate on?
United airline puts , Carnival cruise puts, Tesla puts in March

Held the Tesla puts too long ... Luckily let them go or I would of been wiped out
Ah ok. Thanks for sharing. This must be just the high risk/high reward portion of your portfolio. You of course do have other more conservative stocks/fund holdings, I assume.
I'm new to the whole boglehead mantra so it was 100% of my stock account (I also have real estate). I have a high risk/high reward speculation method which I am trying to stop - I go all in on positions and this year started using options, which worked great at first but then didn't turn out too well. I already know this makes me look bad, but that is what worked for me in the past and now I am trying to change since the loss
Trying to change, so start here: "Bogleheads® investment philosophy".
Thanks :sharebeer
Would I rather relax and make money or make money and relax ?
GoldenGoose
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Re: What are you up YTD? [Year To Date]

Post by GoldenGoose »

newguy123 wrote: Wed Oct 14, 2020 10:04 am
GoldenGoose wrote: Wed Oct 14, 2020 9:59 am
newguy123 wrote: Wed Oct 14, 2020 9:51 am
GoldenGoose wrote: Wed Oct 14, 2020 9:49 am
newguy123 wrote: Wed Oct 14, 2020 8:19 am 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
Wow what did you speculate on?
United airline puts , Carnival cruise puts, Tesla puts in March

Held the Tesla puts too long ... Luckily let them go or I would of been wiped out
Ah ok. Thanks for sharing. This must be just the high risk/high reward portion of your portfolio. You of course do have other more conservative stocks/fund holdings, I assume.
I'm new to the whole boglehead mantra so it was 100% of my stock account (I also have real estate). I have a high risk/high reward speculation method which I am trying to stop - I go all in on positions and this year started using options, which worked great at first but then didn't turn out too well. I already know this makes me look bad, but that is what worked for me in the past and now I am trying to change since the loss
Dont feel bad about your approach. What if your method had turned out great for you and you made a ton of money? Contrary to popular opinion on this board, for me you are the one who determine your investment path. Its likely that you are not aware odlf the many investment styles out there. Boglerism is not the only way, you know. You can go all index funds for safety and lower return. You can do all stocks higher return but with more risk as you have found out. Or you can do 50% funds 50% stocks for a blend or somewhere in between. Only you know your timeline, your risk tolerance, your return expectations etc. So choose your own path and see what works for you. Cheers.
newguy123
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Re: What are you up YTD? [Year To Date]

Post by newguy123 »

GoldenGoose wrote: Wed Oct 14, 2020 12:02 pm
newguy123 wrote: Wed Oct 14, 2020 10:04 am
GoldenGoose wrote: Wed Oct 14, 2020 9:59 am
newguy123 wrote: Wed Oct 14, 2020 9:51 am
GoldenGoose wrote: Wed Oct 14, 2020 9:49 am

Wow what did you speculate on?
United airline puts , Carnival cruise puts, Tesla puts in March

Held the Tesla puts too long ... Luckily let them go or I would of been wiped out
Ah ok. Thanks for sharing. This must be just the high risk/high reward portion of your portfolio. You of course do have other more conservative stocks/fund holdings, I assume.
I'm new to the whole boglehead mantra so it was 100% of my stock account (I also have real estate). I have a high risk/high reward speculation method which I am trying to stop - I go all in on positions and this year started using options, which worked great at first but then didn't turn out too well. I already know this makes me look bad, but that is what worked for me in the past and now I am trying to change since the loss
Dont feel bad about your approach. What if your method had turned out great for you and you made a ton of money? Contrary to popular opinion on this board, for me you are the one who determine your investment path. Its likely that you are not aware odlf the many investment styles out there. Boglerism is not the only way, you know. You can go all index funds for safety and lower return. You can do all stocks higher return but with more risk as you have found out. Or you can do 50% funds 50% stocks for a blend or somewhere in between. Only you know your timeline, your risk tolerance, your return expectations etc. So choose your own path and see what works for you. Cheers.
Thanks, I did make some money over 10 years but after the loss this year, and the mental toll / stress, it is time for something more passive as it just isn't worth the time/stress.
Would I rather relax and make money or make money and relax ?
revhappy
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Re: What are you up YTD? [Year To Date]

Post by revhappy »

I am flat for the year excluding new savings. Including new savings I am up 6% :|
Vtsax100
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Re: What are you up YTD? [Year To Date]

Post by Vtsax100 »

1 year 11.2%
YTD 14.4%
Returns only
gamboolman
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Re: What are you up YTD? [Year To Date]

Post by gamboolman »

Down <3.32%> since 1-Jan-20

AA is 42/46/12 stocks/bonds/cash
Starfox
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Re: What are you up YTD? [Year To Date]

Post by Starfox »

......
Last edited by Starfox on Mon Nov 09, 2020 4:41 pm, edited 1 time in total.
BV3273
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Re: What are you up YTD? [Year To Date]

Post by BV3273 »

28.81%.

100% equity.

SP500, Growth, and a little company stock that has lagged since I owned it.
Last edited by BV3273 on Sun Nov 08, 2020 9:34 am, edited 2 times in total.
andypanda
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Re: What are you up YTD? [Year To Date]

Post by andypanda »

Up 5.46%. Stocks/bonds/cash&cds - 57/23/20. Or about $137k. I'm 70 and that used to be a great deal of money when I was a kid. The price of a stamp didn't go to 5 cents until 1960. The price of a candy bar went from 5 to 10 cents around 1970. Oh well, old man usedtobe is dead and gone. :(
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canadianbacon
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Re: What are you up YTD? [Year To Date]

Post by canadianbacon »

I'm up an incredible 0.79% this year. Try not to be jealous!

(And I frankly love this return based on where we were in March).
Bulls make money, bears make money, pigs get slaughtered.
AussieDad
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Re: What are you up YTD? [Year To Date]

Post by AussieDad »

Taxable 8.44%
401k (professionally managed :oops: ) 5.95%
IRA (AAPL & Amzn) 66.15%
Wife's 401k 8.36%
Wife's IRA 10.15%

My 401k is the only account that is being added to. Unfortunately it's by far my largest and worst performing account.

Best I can figure, 10.19% for total portfolio
Last edited by AussieDad on Sun Nov 08, 2020 11:08 am, edited 1 time in total.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

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

Total return of our portfolio is up 8.07% year to date.

The best fund so far is Vanguard Total Stock Market Index Fund (VTSAX), total return is up 10.95% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
atdharris
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Re: What are you up YTD? [Year To Date]

Post by atdharris »

Up 30% this year.
manatee2005
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

27.6%
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

atdharris wrote: Sun Nov 08, 2020 11:23 am Up 30% this year.
manatee2005 wrote: Sun Nov 08, 2020 3:59 pm27.6%
What is the asset allocation?

Does that include contributions, or is it return on investment?
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
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wander
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Re: What are you up YTD? [Year To Date]

Post by wander »

Up 11%. It's not bad for a year of COVID-19.
manatee2005
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

ruralavalon wrote: Sun Nov 08, 2020 5:36 pm
atdharris wrote: Sun Nov 08, 2020 11:23 am Up 30% this year.
manatee2005 wrote: Sun Nov 08, 2020 3:59 pm27.6%
What is the asset allocation?

Does that include contributions, or is it return on investment?
Mine is 100% stock, most of it in funds that are heavy tech like FCNTX. It doesn't include contributions. Nasdaq is up 32% YTD.
mroe800
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Re: What are you up YTD? [Year To Date]

Post by mroe800 »

Taxable: 13.64%
HSA: 14.40%
Roth IRA: 21.50%
tIRA: 14.89%
401K: 11.88%
Total portfolio: ~15-17%

The IRAs follower similar strategies but the divergence in returns has to do with when those investments were made; I believe this is sequence of returns risk? Same thing is happening in the 401K and HSA which follow similar strategies, albeit different from the IRAs.
atdharris
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Re: What are you up YTD? [Year To Date]

Post by atdharris »

ruralavalon wrote: Sun Nov 08, 2020 5:36 pm
atdharris wrote: Sun Nov 08, 2020 11:23 am Up 30% this year.
manatee2005 wrote: Sun Nov 08, 2020 3:59 pm27.6%
What is the asset allocation?

Does that include contributions, or is it return on investment?
The return is largely driven by my taxable account that holds most of the FAANG stocks I bought many years ago before finding Bogleheads. While I sold off most of my individual names, I still hold Amazon, FB, Apple, Microsoft and a bit of Netflix. With the large gains I have in them, I held off selling so I would not face a big tax bill.

My Roth IRA is only up 13% - mainly because I have about 15% of it allocated to T. Rowe Price's Blue Chip Growth fund. The rest is in VTSAX/VTIAX/BND
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marti038
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Re: What are you up YTD? [Year To Date]

Post by marti038 »

As of close on Friday, we were up 50.84% (about 3% of that is contributions). 100% stock, heavily in techs. We also made a timely stock sale in February after getting too heavy in AMZN and held that in cash until mid March when we bought more VIGAX.

We've been investing for 13 years and, oddly enough, this is the best year we've ever had financially. It's been a weird year.
SGM
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Re: What are you up YTD? [Year To Date]

Post by SGM »

Up 8.8% YTD in Roth. I am retired over 6 years and a little conservative. I am up about 5% in taxable but I do mot keep close track of inputs and outputs in taxable accounts as it is rather complex.

I have had better years when I took more risk. I have made relatively minor mistakes rarely. I am very happy with my results of the last 40 years.

Lately I have been able to compare what I am doing to a local bank that handles 3 trusts for an in law who is too irresponsible to handle her own affairs. 5 nephews and nieces receive monthly copies of detailed bank statements.

I look at the results for my children. I am pleased with the banks results. I have sold some long held MSFT and the bank seems to sell at slightly higher prices than I get. Of course they have someone watching the market closely. But it is expensive to have the bank manage investments. We have no money managed by the bank.
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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer »

+21% YTD

Current AA:
15% oil
20% precious metals
37% stocks
20% long term bonds
8% cash
calvin111
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Re: What are you up YTD? [Year To Date]

Post by calvin111 »

(YTD till 10/31)

Individual: 40.50%
Traditional IRA: 20.50%
HSA: -56.75% (Negative)
Roth IRA: -24.50% (Negative)
cheesepep
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Re: What are you up YTD? [Year To Date]

Post by cheesepep »

Up 25.73% across three portfolios including Roth IRA, traditional IRA, and regular taxable account. No contributions were added to any of the accounts this year. 100% stock with the top 2 being JPM and BDX. Hold large amounts of cash also being about 40% of the total portfolio size.
rchmx1
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Re: What are you up YTD? [Year To Date]

Post by rchmx1 »

Just finished my first year invested in the markets up 22% YTD not including contributions. 100% stocks. Majority buy and hold with occasional opportunism with an eye towards capturing excess returns. Very grateful to have found this forum and Bogglehead literature late last year, as otherwise I very likely would have continued to feel too intimidated at the thought of investing to have jumped in. :beer
retire2022
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Re: What are you up YTD? [Year To Date]

Post by retire2022 »

InvestorNewb wrote: Tue Aug 26, 2014 10:19 am 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%
I'm 60, been investing since 1987, started with 2000

Here is a spreadsheet I did two years ago with salary and contributions. https://imgur.com/a/Gi5VKcO latest update is 600K contributions and 2.09 million portfolio

Stocks (equities) 93%/cash 6% 2.09 million YTD 14% average annualized one year return 24.14%
Last edited by retire2022 on Sat Nov 28, 2020 3:01 pm, edited 1 time in total.
Escapevelocity
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Re: What are you up YTD? [Year To Date]

Post by Escapevelocity »

YTD Gain/Loss excluding contributions

401K +10% (entered year 50/50 - currently 24/76; shifted AA towards bonds/cash in Jan/Feb and gradually from May to Nov; big lift from FDGRX).
Roth -1% (100% stock; took major hit in March due to REITs and Energy mostly recovered now)
IRAs -5% (93/7 - similar story as Roth)
HSA +19% (90/10 - VTSAX and cash)
Taxable +3% (20/80 - index funds, bond funds, I-Bonds, CDs, HYSAs).

Company RSUs/Options Roughly +60% (sold off a fair amount this year RSU sales and options exercised and sold)
Primary Residence Market Value Approx +10% (also paid off mortgage this year)

TOTAL roughly + 15% (hard to calculate due to complexity of company stock and options transactions).
Tib
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Re: What are you up YTD? [Year To Date]

Post by Tib »

+6.9% YTD (despite withdrawals for living expenses).

Currently 54% stock, the rest almost entirely cash.

Retired.
Last edited by Tib on Sun Nov 29, 2020 4:18 pm, edited 1 time in total.
sschullo
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Re: What are you up YTD? [Year To Date]

Post by sschullo »

7.7% Return
35% all indexed stocks, tilted towards large-cap value and mid and small-cap blend.
65% foreign, ibonds from Treasury Direct, TIAA traditional annuity paying 3%, and domestic bonds.
45% of my portfolio bonds are in Vanguard total bond market index (7.24% YTD Return!) and TIAA Traditional.
"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
starfury
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Re: What are you up YTD? [Year To Date]

Post by starfury »

As of yesterday:
* Roth IRA (100/0): 200k, +23.13% YTD. Includes $7k contribution on 4/1. Thank you, VTSAX.
* Trad 401k (80/20): 950k, +16.25% YTD. Thank you, Apple.
Busdrvr
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Re: What are you up YTD? [Year To Date]

Post by Busdrvr »

We seem to be in a spot where our PF increases at a fairly constant rate of 1K/day.

On the major component (401k) the ytd % is now 32%. Using Current$ - .5 added$/starting$ + .5 added $ -1. Added$ = 60k ytd.
checkyourmath
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Re: What are you up YTD? [Year To Date]

Post by checkyourmath »

0.7% I crushed it with an all cash portfolio.
manatee2005
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

checkyourmath wrote: Sat Nov 28, 2020 9:04 pm 0.7% I crushed it with an all cash portfolio.
I'm surprised you even got 0.7% with cash.
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Sheepdog
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Re: What are you up YTD? [Year To Date]

Post by Sheepdog »

Retired, 87 years of age, always conservative, 27% stocks within Wellesley, Balanced Index, higher yielding 2000-01 I Bonds, short term Investment grade bond fund, and money market: yielded +7.0% YTD Return which more than covered expense withdrawals.
Time is the school in which we learn, time is the fire in which we burn.~ Delmore Schwartz
MathIsMyWayr
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Re: What are you up YTD? [Year To Date]

Post by MathIsMyWayr »

According to Fidelity netbenefits, Personal Rate of Return as of 11/27/2020
401k: 13.4%
403b: 11.3%
The returns are close to (final_balance - contribution)/initial_balance

I don't know whether they are good or not, but I am ok with them.
revhappy
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Re: What are you up YTD? [Year To Date]

Post by revhappy »

marti038 wrote: Mon Nov 09, 2020 10:39 am As of close on Friday, we were up 50.84% (about 3% of that is contributions). 100% stock, heavily in techs. We also made a timely stock sale in February after getting too heavy in AMZN and held that in cash until mid March when we bought more VIGAX.

We've been investing for 13 years and, oddly enough, this is the best year we've ever had financially. It's been a weird year.
Wow! That is really well played. Congrats! A successful move like this puts you ahead by about 5-6 years. That is invaluable!
Pawpatrol
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Re: What are you up YTD? [Year To Date]

Post by Pawpatrol »

MathIsMyWayr wrote: Sun Nov 29, 2020 6:58 am According to Fidelity netbenefits, Personal Rate of Return as of 11/27/2020
401k: 13.4%
403b: 11.3%
The returns are close to (final_balance - contribution)/initial_balance

I don't know whether they are good or not, but I am ok with them.
A 3 funder bogglehead with rebalance should be up about 11-13%.
Encinoman
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Re: What are you up YTD? [Year To Date]

Post by Encinoman »

Taxable Account up 25.78%
401K up 25.85%

I was 70/30 at the beginning of the year.
When the market started tanking, I aggressively started selling bonds till I got to 100/0 late march, along with some select individual stock buying that were hit the hardest using around 10% of portfolio(play money).

Now I'll have to figure out when/if to rebalance back to bonds/cash.
RyeBourbon
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Re: What are you up YTD? [Year To Date]

Post by RyeBourbon »

Up 13% of which 3.4% is new contributions.
Pawpatrol
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Re: What are you up YTD? [Year To Date]

Post by Pawpatrol »

Encinoman wrote: Sun Nov 29, 2020 11:40 am Taxable Account up 25.78%
401K up 25.85%

I was 70/30 at the beginning of the year.
When the market started tanking, I aggressively started selling bonds till I got to 100/0 late march, along with some select individual stock buying that were hit the hardest using around 10% of portfolio(play money).

Now I'll have to figure out when/if to rebalance back to bonds/cash.
Thats the rub- you have to time it right twice. First, congrats on timing the market well. I worry many people took home the wrong lessons this year. The question to ask now was why were you not 100% vs 70/30 in the first place.

If you are young, its great you now know you wont capitulate (at least this time) and maybe you had too conservative of an AA to begin with. The fact that even now you havent rebalanced also supports this. Run portfolio visulizer on 100/0 since youve been investing and id bet you would have made a lot more being 100/0 this whole time vs timing the market perfectly here with a prior 70/30 portfolio.

If you are older, imagine the scenario where instead of the v bounce, we got more deflation or stagnant markets for awhile with negative yields. You would have lost a significant ballast and profitable position and perhaps jeopardized your FI.

Its one thing to increase to say 75/25 or even 80/20 but the willingness to go to 100% should at least make you ask some questions (unless this was all spelled out in your IPS) so you can have a more airtight IPS next downcycle.

Good news is we all learn a lot about markets and ourselves through every cycle and i always look to improve and find errors in my decisions even when they work out well.

As a slight tangent, I will add as a physician that I wonder whether people realize the miracle of this covid vaccine timeline. This rivals the space race to me. An mrna vaccine had never been made in humans before and typically a vaccine takes 5 years or so to make. It also was a real possibility that the vaccine wouldn’t work.
MathIsMyWayr
Posts: 2536
Joined: Mon Mar 27, 2017 10:47 pm
Location: CA

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

Post by MathIsMyWayr »

Pawpatrol wrote: Sun Nov 29, 2020 9:48 am
MathIsMyWayr wrote: Sun Nov 29, 2020 6:58 am According to Fidelity netbenefits, Personal Rate of Return as of 11/27/2020
401k: 13.4%
403b: 11.3%
The returns are close to (final_balance - contribution)/initial_balance

I don't know whether they are good or not, but I am ok with them.
A 3 funder bogglehead with rebalance should be up about 11-13%.
Both 401k and 403b share quite similar AA and I was wondering why 401k did slightly better than 403b. I use the following refined formula to re-calculate the average return YTD,
  • return=$end/($start+($contribution-$fee)/2)-1
    401k: 17.1%
    403b: 17.8%
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sergeant
Posts: 1639
Joined: Tue Dec 04, 2007 11:13 pm
Location: The Golden State

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

Post by sergeant »

I used to monitor everything, keeping close tabs on exact AA and YTD returns. Now, not so much. AA is roughly 50/50 and YTD is about 9%. I did some market timing when things were down 25%. Went from roughly 40/60 to 60/40. It worked out pretty good this time.
AA- 20+ Years of Expenses Fixed Income/The remainder in Equities.
CycloRista
Posts: 191
Joined: Sun Feb 16, 2020 11:53 am

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

Post by CycloRista »

I'm +38% average this year, across 3 taxable trading accounts and my IRA (all four are 100% individual stocks).

There are other funds elsewhere (my current employer 401k, wife's current and past 401k's, 403b, ...).

It is just too much work to keep track of along with a full-time challenging/demanding/fulfilling full-time day job. I've been systematically peeling back for the past few months. Went from ~120 total down to around 30 total individual stocks with a few that overlap between accounts (different risk levels). I've only kept the ones with unreal gains.

Plan to simplify and go with either a 3 or 2 fund approach. Two reasons I decided to take more profits:

1. This is an uncharacteristically low income year: I was intentionally in between jobs (resigned) mid-Feb til August.

2. Odds are that income tax will most likely be going up for the foreseeable future too.
pseudoiterative
Posts: 128
Joined: Tue Sep 24, 2019 6:11 am
Location: australia

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

Post by pseudoiterative »

Pawpatrol wrote: Sun Nov 29, 2020 3:04 pm as a physician that I wonder whether people realize the miracle of this covid vaccine timeline. This rivals the space race to me. An mrna vaccine had never been made in humans before and typically a vaccine takes 5 years or so to make. It also was a real possibility that the vaccine wouldn’t work.
This economist podcast episode features an interview with one of the scientists behind the development of the oxford / astrazeneca vaccine. If I followed the discussion correctly: the scientist and her collaborators put together the initial design of their vaccine over one weekend after getting a copy of the virus' genetic sequence; there was also the somewhat entertaining anecdote that although the scientists had previously talked through developing a vaccine in response to a pandemic, they hadn't considered what it would be like to actually work during a pandemic: transport shut down, working remotely, people getting sick. They had a company(?) in Italy helping them scale up and manufacture a larger batch of the vaccine to be used in trials but had to charter a private jet to transport it back to the UK as normal air flights weren't running.

... & YTD? +13%.
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