What are you up YTD? [Year To Date]

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jfn111
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Re: What are you up YTD?

Post by jfn111 » Fri Oct 31, 2014 12:05 pm

As of today 6.8% on a currently 45/55 AA

daave
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Re: What are you up YTD?

Post by daave » Fri Oct 31, 2014 1:36 pm

75/25 portfolio (with 30% small-cap tilt & 40% intl'), XIRR for 2014 as of Oct 30th's closing price: 7.79% (annualized).

I was lucky in that I rebalanced into equities on Oct 16th, just as things were starting to turn around. Accidentally near-perfect market timing :mrgreen:

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ddb
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Re: What are you up YTD?

Post by ddb » Fri Oct 31, 2014 1:56 pm

daave wrote:75/25 portfolio (with 30% small-cap tilt & 40% intl'), XIRR for 2014 as of Oct 30th's closing price: 7.79% (annualized).

I was lucky in that I rebalanced into equities on Oct 16th, just as things were starting to turn around. Accidentally near-perfect market timing :mrgreen:


These figures are difficult for me to accept when looking at the year-to-date total returns of major market indices year-to-date through 10/30/2014:

MSCI US Broad Market: +8.66%
S&P SmallCap 600 Pure Value: -0.45%
MSCI EAFE: -3.87%
MSCI Emerging Mkts: 2.76%
MSCI EAFE SmallCap: -5.41%
Bloomberg Commodity Total Return: -6.18%
Barclays US Corporate 1-5 Year: +2.25%
Barclays US Corporate 5-10 Year: +7.01%
Barclays US TIPS: +4.68%
Barclays US High Yield Bond: +4.60%

According to your numbers, you hold:

45% US Stock
30% Foreign Stock
25% Bonds

Even if I give you the benefit of the doubt that all your bonds have earned +7.01% and all your foreign stocks are in the relatively better-performing emerging markets category having earned +2.76%, this means your US stock holdings would have to have earned +11.6% in order for your portfolio to have a return of +7.79% year-to-date. Given that your US stocks have a small-cap tilt, and small-cap stocks have under-performed the broad market, this doesn't seem possible to me, even when one considers some minor positive impacts from the timing of re-balancing.

- DDB

(Edit: Sorry, I'm dumb, I conveniently ignored the word "annualized" in daave's post, as pointed out to me below by livesoft. Please accept my apologies!)
Last edited by ddb on Wed Nov 05, 2014 2:33 pm, edited 1 time in total.
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livesoft
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Re: What are you up YTD?

Post by livesoft » Fri Oct 31, 2014 2:03 pm

^ "annualized" means much less YTD.
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Re: What are you up YTD?

Post by BogleBoogie » Fri Oct 31, 2014 6:27 pm

Stocks 80%
Bonds 20%

YTD = 9.0%

All boring and lazy, which is good.

For those that say "I don't know, I don't care" I think you SHOULD know what you have and you SHOULD care what it is doing, for better or worse.

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Re: What are you up YTD?

Post by gkaplan » Fri Oct 31, 2014 6:38 pm

I'll let you know at the end of the year, if this thread is still active.
Gordon

oragne lovre
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Re: What are you up YTD?

Post by oragne lovre » Fri Oct 31, 2014 6:46 pm

gkaplan wrote:I'll let you know at the end of the year, if this thread is still active.


+1
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Regal 56
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Re: What are you up YTD?

Post by Regal 56 » Fri Oct 31, 2014 7:36 pm

At one point during October, I was in the red YTD. Today I’m up 6%. Next week, who knows? Gotta love Mr. Market—he gives us a wild ride.

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Re: What are you up YTD?

Post by Wildebeest » Fri Oct 31, 2014 8:52 pm

I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?

I have not checked and will not check till 1/1.
The Golden Rule: One should treat others as one would like others to treat oneself.

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Re: What are you up YTD?

Post by Regal 56 » Fri Oct 31, 2014 10:05 pm

Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?


What’s the fun of being on a roller coaster if you’re just gonna close your eyes throughout the ride?

oragne lovre
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Re: What are you up YTD?

Post by oragne lovre » Fri Oct 31, 2014 10:15 pm

Regal 56 wrote:
Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?


What’s the fun of being on a roller coaster if you’re just gonna close your eyes throughout the ride?


The caveat of having fun with core long-term investment is that one may react emotionally.
The finest, albeit the most difficult, of all human achievements is being reasonable.

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Garco
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Re: What are you up YTD?

Post by Garco » Fri Oct 31, 2014 10:34 pm

+5.95% ytd with 48% equities.

LongerPrimer
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Re: What are you up YTD?

Post by LongerPrimer » Fri Oct 31, 2014 10:44 pm

Reading the thread on Bogle and his thinking on rebalancing...
Decided to check on deferred income variable annuities.
Well, they are up about 6+ on a eyeball, 11th month of fiscal year.
Decided to check allocation. Somehow I have forgotten I do semiannual rebalance and have some allocation in money market, international, and emerging markets. :oops: This type of annuity it pays to be aggressive, no cash, or bond holding.
I really screwed up. :annoyed :oops:

schmitz
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Re: What are you up YTD?

Post by schmitz » Fri Oct 31, 2014 10:58 pm

Why is ytd % more important than how much you are up/down in the last 365 days?

Ie, why do we judge return rates always from January 1?

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Re: What are you up YTD?

Post by LongerPrimer » Fri Oct 31, 2014 11:00 pm

LongerPrimer wrote:
LongerPrimer wrote:EOM. August: AA about 98/0/2.

VAs, and EFT's that I don't fool with, 'bout 8%,
Retirement trading accounts about up 27% and 9%. Yesterday, these two accounts were considerably less-today a holding shot up without news.I fully expect that these values will drop considerably next week. I am trying to find a exit for these trading accounts to a more comfortable 20-30% cash.


Mid October (45 calendar days since last post) , YTD +25 and +4, and +50% cash, trading accounts only. Pretty much successfully transitioned to cash. No idea in VAs and ETFs/MF.



EOM. Oct 31. Trading accts @30 % and +8%.

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Re: What are you up YTD?

Post by BogleBoogie » Fri Oct 31, 2014 11:07 pm

schmitz wrote:Why is ytd % more important than how much you are up/down in the last 365 days?

Ie, why do we judge return rates always from January 1?


It's easier to track by selecting "YTD" on websites for returns versus setting a date then trying to input the parameters...

BogleBoogie
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Re: What are you up YTD?

Post by BogleBoogie » Fri Oct 31, 2014 11:08 pm

Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?

I have not checked and will not check till 1/1.


I apologize for answering your questions with questions, but why NOT check?

madbrain
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Re: What are you up YTD?

Post by madbrain » Fri Oct 31, 2014 11:10 pm

Only about 4.5% YTD, which is about double what I was up just a few weeks ago.
I have a high allocation to international equity.
Total stock market international has had a flat return YTD (+0.01% in my Quicken). It's off 8% since the summer peak.
Emerging market is also off 9% since summer peak.
I'm not changing a thing still.

TravelforFun
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Re: What are you up YTD?

Post by TravelforFun » Fri Oct 31, 2014 11:21 pm

80% equity. YTD up 18% partly due to a sale of American Airlines stock and buying Apple stock in August 2014.

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Re: What are you up YTD?

Post by Leeraar » Sat Nov 01, 2014 12:14 am

BogleBoogie wrote:
Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?

I have not checked and will not check till 1/1.


I apologize for answering your questions with questions, but why NOT check?

Perhaps, because there is nothing useful you can do with the result?

Suppose you are up 3.0145%. Or down 1.368%. What would that cause you to to do differently?

L.
You can get what you want, or you can just get old. (Billy Joel, "Vienna")

schmitz
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Re: What are you up YTD?

Post by schmitz » Sat Nov 01, 2014 3:11 am

BogleBoogie wrote:
schmitz wrote:Why is ytd % more important than how much you are up/down in the last 365 days?

Ie, why do we judge return rates always from January 1?


It's easier to track by selecting "YTD" on websites for returns versus setting a date then trying to input the parameters...


But on my vanguard account under "personal performance" when i click on investment returns it only gives me a percentage for when I view the last year. When I click ytd it leaves the percentage blank.

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Re: What are you up YTD?

Post by livesoft » Sat Nov 01, 2014 6:46 am

Leeraar wrote:
BogleBoogie wrote:
Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?

I have not checked and will not check till 1/1.


I apologize for answering your questions with questions, but why NOT check?

Perhaps, because there is nothing useful you can do with the result?

Suppose you are up 3.0145%. Or down 1.368%. What would that cause you to to do differently?

L.

It might cause some folks to abandon their current portfolio and put it all in a LifeStrategy or Target Retirement fund because those funds are performing so much better :twisted:.

How many times do we see folks with portfolios set up by advisors or themselves that underperform? How would folks who have such portfolios even know how badly they are doing?
Last edited by livesoft on Sat Nov 01, 2014 7:41 am, edited 1 time in total.
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Wildebeest
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Re: What are you up YTD?

Post by Wildebeest » Sat Nov 01, 2014 7:32 am

livesoft wrote:
Leeraar wrote:
BogleBoogie wrote:
Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?

I have not checked and will not check till 1/1.


I apologize for answering your questions with questions, but why NOT check?

Perhaps, because there is nothing useful you can do with the result?

Suppose you are up 3.0145%. Or down 1.368%. What would that cause you to to do differently?

L.

It might cause some folks to abandon their current portfolio and put it all in a LifeStrategy or Target Retirement fund because those funds are performing so much better :twisted:.

How many times do we see folks with portfolios set up by advisors that underperform? How would folks who have such portfolios even know how badly they are doing?


In answer to BogleBoogie: John C Bogle recommends to buy stock and not check the market at all in order that you will not be caught up in the Sound and Fury of market speculators and make stupid decisions.

I agree with Leeraar and while I appreciate Livesoft's twisted sentiments, IMHO checking "What are you YTD ?" does more harm than good.

It would be great if there was a calculator on the Internet where people could type in their portfolio and the site would recognize the "investment advisor's firm" and spit out one year, 5 year and 10 year return on that port folio compared to the appropriate portfolio of index funds.

Till that time they will have to post their portfolio on Bogleheads.
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Re: What are you up YTD?

Post by sschullo » Sat Nov 01, 2014 9:20 am

Image
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Re: What are you up YTD?

Post by flyingaway » Sat Nov 01, 2014 10:08 am

When taxi drivers are talking about selecting stocks, you should sell stocks. When Bogleheads are comparing their YTD, maybe the market is topping.

vested1
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Re: What are you up YTD?

Post by vested1 » Sat Nov 01, 2014 10:14 am

8 months with new Vanguard IRA with no contributions and reinvested dividends, up 5.75% overall with a 3 fund portfolio. I feel justified that I went with only 15% VTIAX (Total International Stock) in that it is finally flat, and down to 13% of the account, with US Total Stock 47% and US Total bond 40%. I was bleeding fees at Fidelity before I switched in February 2014.

Fixed annuity through Fidelity/NY Life is what it is at 2.75% and matures in 5 months. My 401k with limited/poor choices discounting contributions up 2.46%, and wish I could have convinced the committee to add index funds. Wife's 401k in Vanguard 2020 target retirement discounting contributions up 6.34%.

Looking forward to retirement in 8 months when 401k's can be rolled away from ML and brand X management.

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Sat Nov 01, 2014 10:27 am

Leeraar wrote:
BogleBoogie wrote:
Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?

I have not checked and will not check till 1/1.


I apologize for answering your questions with questions, but why NOT check?

Perhaps, because there is nothing useful you can do with the result?

Suppose you are up 3.0145%. Or down 1.368%. What would that cause you to to do differently?

L.

Why NOT check YTD?

There is nothing useful that I can do with the result. It doesn't cause me to do anything differently.

I'm retired, there's nothing useful with most things that I do. And that's fine with me. I like to read, but most of that's just for fun, nothing useful.

Right now I'm sitting in a coffee shop wasting time typing on a tablet, before reading the newspaper.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Sat Nov 01, 2014 10:31 am

Up way more than I was a fortnight ago.
70% stock
30% bonds

munemaker
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Re: What are you up YTD?

Post by munemaker » Sat Nov 01, 2014 10:54 am

livesoft wrote:
Leeraar wrote:
BogleBoogie wrote:
Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?

I have not checked and will not check till 1/1.


I apologize for answering your questions with questions, but why NOT check?

Perhaps, because there is nothing useful you can do with the result?

Suppose you are up 3.0145%. Or down 1.368%. What would that cause you to to do differently?

L.

It might cause some folks to abandon their current portfolio and put it all in a LifeStrategy or Target Retirement fund because those funds are performing so much better :twisted:.

How many times do we see folks with portfolios set up by advisors or themselves that underperform? How would folks who have such portfolios even know how badly they are doing?


"You never count your money when you're sittin' at the table. There'll be time enough for countin' when the dealin's done" from The Gambler by Kenny Rogers

Leeraar
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Re: What are you up YTD?

Post by Leeraar » Sat Nov 01, 2014 12:34 pm

OK, so you made me look. LifeStrategy Moderate is up 6.90% this year.

L.
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rokidtoo
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Re: What are you up YTD?

Post by rokidtoo » Sat Nov 01, 2014 1:05 pm

7.26% with a 60/40 stock/bond portfolio. To date, REITS and LT Treasuries have been my big winners.

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steve roy
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Re: What are you up YTD?

Post by steve roy » Sat Nov 01, 2014 2:21 pm

Here's a reason not to look at your returns, this from financial gurus Barry Ritholtz and James O'Shaugnessy on Bloomberg radio:

O'Shaughnessy: "Fidelity had done a study as to which accounts had done the best at Fidelity. And what they found was..."

Ritholtz: "They were dead."

O'Shaughnessy: "...No, that's close though! They were the accounts of people who forgot they had an account at Fidelity."


So. Short of being dead, not looking at your accounts ... or forgetting you HAVE the accounts, is the best strategy for stellar long-term results. You can't go chasing performance and mucking investments up if you don't know what your performance IS, now can you?

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Sat Nov 01, 2014 2:33 pm

steve roy wrote: Short of being dead, not looking at your accounts ... or forgetting you HAVE the accounts, is the best strategy for stellar long-term results. You can't go chasing performance and mucking investments up if you don't know what your performance IS, now can you?
It's OK to look to make sure Bernie didn't spend all of your money but don't make any subjective changes. Indexed objective asset allocation is what this board is about. Don't think just do.

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Regal 56
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Re: What are you up YTD?

Post by Regal 56 » Sat Nov 01, 2014 2:35 pm

oragne lovre wrote:
Regal 56 wrote:
Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?


What’s the fun of being on a roller coaster if you’re just gonna close your eyes throughout the ride?


The caveat of having fun with core long-term investment is that one may react emotionally.


My original answer was a bit flip, of course. But more seriously, I’m not a fan of avoiding knowledge because I might do something rash. To me, an upside to being older is that I need not react badly to every crises. This ability doesn’t come naturally. I have to cultivate it. (I have a saying: leaving childhood is unavoidable—becoming an adult is optional.) We don’t become adults through mere chronology. We become adults through practice. We gradually learn how to react in a more positive way to whatever life throws at us.

So I reject the notion that monitoring one’s investments inevitably leads to bad decisions. Rather, one can learn to take a financial crises in stride. When the great meltdown of 2008 and early 2009 hit the fan, I knew what it was doing to my portfolio almost daily. Did I enjoy it? No. But I did nothing rash. I rode it all the way down, and then rode it all the way back up. That gave me a hard-won perspective I might not have gotten any other way.

Further, I’m a guitar teacher by trade. For whatever reason, I’m wired in a way that I like to see the process by which someone attains mastery. To me, it’s utterly fascinating to watch a complete beginner rise to a high level of playing. I want to see the whole movie, not just the beginning and end.

That’s just me. For some, not knowing certain things is a better course. But others like to know, and deal with the consequences in a measured way. So it’s wrong to make a blanket statement that assumes everyone will react rashly to bad news.

Know thyself.

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Re: What are you up YTD?

Post by Buddtholomew » Sat Nov 01, 2014 2:43 pm

I am comforted knowing that my personal YTD return is lower than other 70/30 allocations. I also hold the under-performers in a diversified portfolio.

50% of equities in International
5% of equities in Precious Metals and Mining
"The first principle is that you must not fool yourself and you are the easiest person to fool" --Feynman.

inbox788
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Re: What are you up YTD?

Post by inbox788 » Sat Nov 01, 2014 2:45 pm

flyingaway wrote:The answer to this question should change quickly day by day.


You can say that again. You posted this Oct 15, and 2 weeks earlier or 2 weeks later and you would have a very different answer from the day you posted, but between the overall 4 week period around Oct 1 to Nov 1, not much change. So maybe there's a corollary that month by month it doesn't change all that quickly.

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Re: What are you up YTD?

Post by ruralavalon » Sat Nov 01, 2014 3:28 pm

50/50 asset allocation, retired, age 69.

Up 7.67% YTD per Morningstar portfolio manager.

Isn't volatility exciting :D .
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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DR
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Re: What are you up YTD?

Post by DR » Sat Nov 01, 2014 3:37 pm

I'm up 5.73 (annualized) YTD

21% S&P index
79% intermediate bonds

Not much volatility for me this year.

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Sat Nov 01, 2014 7:08 pm

Buddtholomew wrote:5% of equities in Precious Metals and Mining

I feel your pain.

LongerPrimer
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Re: What are you up YTD?

Post by LongerPrimer » Sat Nov 01, 2014 7:38 pm

vested1 wrote:8 months with new Vanguard IRA with no contributions and reinvested dividends, up 5.75% overall with a 3 fund portfolio. I feel justified that I went with only 15% VTIAX (Total International Stock) in that it is finally flat, and down to 13% of the account, with US Total Stock 47% and US Total bond 40%. I was bleeding fees at Fidelity before I switched in February 2014.

Fixed annuity through Fidelity/NY Life is what it is at 2.75% and matures in 5 months. My 401k with limited/poor choices discounting contributions up 2.46%, and wish I could have convinced the committee to add index funds. Wife's 401k in Vanguard 2020 target retirement discounting contributions up 6.34%.

Looking forward to retirement in 8 months when 401k's can be rolled away from ML and brand X management.

When the economic news from other than USA, is not good, & probably not good for a to-be-determined time, why invest a whole lot. ? :mrgreen:

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Re: What are you up YTD?

Post by longinvest » Sat Nov 01, 2014 9:29 pm

Using the spreadsheet suggested in viewtopic.php?f=1&t=149165&p=2244439#p2244439 :

PORTFOLIO RETURNS
(Time weighted returns, comparable returns)

Date 10/31/2014
YTD 7.21%

Asset Allocation: 50/50
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

schmitz
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Re: What are you up YTD?

Post by schmitz » Sun Nov 02, 2014 12:57 am

How do I find ytd returns on vanguards site?

All I can find is my % for the last year.

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Uncle Pennybags
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Re: What are you up YTD?

Post by Uncle Pennybags » Sun Nov 02, 2014 4:10 am

schmitz wrote:How do I find ytd returns on vanguards site?

All I can find is my % for the last year.

You would have to do it yourself; go to
https://personal.vanguard.com/us/myacco ... erformance
In date drop down custom and put in 01/2014 to 11/2014. You will see beginning balance and return at the top, hopefully return will be green.
This is a percent calculator
http://www.math.com/students/calculator ... ercent.htm
Just fill in the blanks with your number. Or you can get Quicken.

Rockman
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Re: What are you up YTD?

Post by Rockman » Sun Nov 02, 2014 5:22 am

85 stocks & 15 bonds has me 10.2 % YTD.

longinvest
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Re: What are you up YTD?

Post by longinvest » Sun Nov 02, 2014 7:43 am

schmitz wrote:How do I find ytd returns on vanguards site?

All I can find is my % for the last year.


Here's a super-easy to use spreadsheet that will calculate your returns: viewtopic.php?f=10&t=150025#p2244484
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic/international)stocks/(nominal/inflation-indexed)bonds | VCN/VXC/VAB/ZRR

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OZAR
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Re: What are you up YTD?

Post by OZAR » Sun Nov 02, 2014 10:18 am

80/20 with a tilt to small & value.

6.88% YTD

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cfs
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Re: What are you up YTD?

Post by cfs » Sun Nov 02, 2014 10:32 am

Based on what I see on this page, Bogleheads are doing fine YTD--but the year is not over--here are some of the numbers.

Equity/Bond/YTD
21/79 = 05.73%
45/55 = 06.80%
48/52 = 05.95%
50/50 = 07.21%
50/50 = 07.67%
60/40 = 06.90%
60/40 = 07.26%
75/25 = 07.79%
80/20 = 06.88%
80/20 = 09.00%
80/20 = 18.00%
85/15 = 10.20%
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topper1296
Posts: 483
Joined: Fri Apr 03, 2009 10:50 pm
Location: Nashville TN

Re: What are you up YTD?

Post by topper1296 » Sun Nov 02, 2014 10:36 am

I'm up 6.7% on a trailing 12 month with bonds-25% (includes TIPS), cash-12%, other-9%, stocks 54% (includes int'l).

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cfs
Posts: 3373
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Re: What are you up YTD?

Post by cfs » Sun Nov 02, 2014 10:48 am

cfs wrote:Based on what I see on this page, Bogleheads are doing fine YTD--but the year is not over--here are some of the numbers.

Equity/Bond/YTD
21/79 = 05.73%
45/55 = 06.80%
48/52 = 05.95%
50/50 = 07.21%
50/50 = 07.67%
60/40 = 06.90%
60/40 = 07.26%
75/25 = 07.79%
80/20 = 06.88%
80/20 = 09.00%
80/20 = 18.00%
85/15 = 10.20%

Well, let me fix this (with bonds-cash-other).

Equity/Bond-cash-other/YTD
21/79 = 05.73%
45/55 = 06.80%
48/52 = 05.95%
50/50 = 07.21%
50/50 = 07.67%
54/46 = 06.70%
60/40 = 06.90%
60/40 = 07.26%
75/25 = 07.79%
80/20 = 06.88%
80/20 = 09.00%
80/20 = 18.00%
85/15 = 10.20%

Bogleheads are doing fine YTD--but the year is not over.
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htdrag11
Posts: 954
Joined: Wed Nov 02, 2011 9:22 pm

Re: What are you up YTD?

Post by htdrag11 » Sun Nov 02, 2014 11:04 am

60-20-20 (equity-fixed-cash) but up 9%.

I rather be lucky than be good. :happy

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