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

Posted: Wed Oct 04, 2017 9:49 am
by travellight
Portfolio is up 16% ytd, 90/10.

Net worth is up 3.8% ytd.

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

Posted: Wed Oct 04, 2017 9:13 pm
by wander
Mine is doing pretty well. Best performance fund is VINEX with 32% YTD return.

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

Posted: Thu Oct 05, 2017 12:01 am
by stimulacra
Up 13.5%. 70% stocks, 25% bonds, 5% gold.

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

Posted: Thu Oct 05, 2017 7:47 am
by rustymutt
I weighed in this morning at 230, up 5 pounds. Back to my diet.

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

Posted: Thu Oct 05, 2017 10:18 am
by ruralavalon
rustymutt wrote:
Thu Oct 05, 2017 7:47 am
I weighed in this morning at 230, up 5 pounds. Back to my diet.
Last office visit 208, I am down 13 pounds year to date :) .

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

Posted: Thu Oct 05, 2017 10:42 am
by best2u
Up 14.75%. My guru says to expect another buying opportunity next year. I will enjoy this while it lasts. :sharebeer

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

Posted: Thu Oct 05, 2017 10:58 am
by TheTimeLord
best2u wrote:
Thu Oct 05, 2017 10:42 am
Up 14.75%. My guru says to expect another buying opportunity next year. I will enjoy this while it lasts. :sharebeer
Doesn't he say that every year?

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

Posted: Thu Oct 05, 2017 2:46 pm
by willing2try
+18.1% 80/20

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

Posted: Thu Oct 05, 2017 2:58 pm
by czeckers
Had to look it up. 12.1% YTD. AA is in my signature line.

Value tilt and REITs have been a drag on the portfolio since 2009. International had also been a drag but has had positive tracking error in the last year or two. This is life when you tilt away from the market portfolio.

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

Posted: Fri Oct 06, 2017 3:07 am
by best2u
TheTimeLord wrote:
Thu Oct 05, 2017 10:58 am
best2u wrote:
Thu Oct 05, 2017 10:42 am
Up 14.75%. My guru says to expect another buying opportunity next year. I will enjoy this while it lasts. :sharebeer
Doesn't he say that every year?
No he doesn't. The last buy he issued was Feb of 2016. There will not be one issued for 2017 as it is unlikely that even if the market were to crash yet this year (unlikely) there will be enough time for market action to indicate a reasonable buying opportunity.

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

Posted: Fri Oct 06, 2017 7:25 am
by TheTimeLord
best2u wrote:
Fri Oct 06, 2017 3:07 am
TheTimeLord wrote:
Thu Oct 05, 2017 10:58 am
best2u wrote:
Thu Oct 05, 2017 10:42 am
Up 14.75%. My guru says to expect another buying opportunity next year. I will enjoy this while it lasts. :sharebeer
Doesn't he say that every year?
No he doesn't. The last buy he issued was Feb of 2016. There will not be one issued for 2017 as it is unlikely that even if the market were to crash yet this year (unlikely) there will be enough time for market action to indicate a reasonable buying opportunity.
I think you missed the joke because there is a buying opportunity in the vast majority of years. Now it sounds like you are defining a something around crash as a buying opportunity, unfortunately while I know of a definition of a correction and a bear market I am unfamiliar with the definition of a crash. Can you clarify what your guru is actually predicting when they say buying opportunity, what are the parameters of this event. From your post there seems to be some sort of time/confirmation component.

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

Posted: Fri Oct 06, 2017 8:19 am
by best2u
Sorry I missed your joke. Without the smilie I didn't know your intentions were just to be funny.

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

Posted: Fri Oct 06, 2017 9:04 am
by MnD
stimulacra wrote:
Thu Oct 05, 2017 12:01 am
Up 13.5%. 70% stocks, 25% bonds, 5% gold.
Up 13.5% 70% stocks, 30 % fixed income.
Global market cap on equity, mostly stable value on fixed income.
XIRR return.

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

Posted: Fri Oct 06, 2017 12:14 pm
by FelixTheCat
Up 9.22% YTD 41% Bonds 9% International 50% Domestic

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

Posted: Fri Oct 06, 2017 12:19 pm
by EJS22
13.47%

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

Posted: Fri Oct 06, 2017 2:49 pm
by richard37
Up 14.96% YTD. 80/20 portfolio with 30% of stocks in international and emerging markets.

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

Posted: Fri Oct 06, 2017 3:58 pm
by thedeadlybishop
15.22% based on NAV for 100% equities with value tilt and 30% ex-US

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

Posted: Sat Oct 07, 2017 1:50 am
by randomizer
At 14.7%, looks like I am underperforming. Better start reaching for some more yield before the market goes into free-fall. 😂

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

Posted: Sat Oct 07, 2017 1:44 pm
by Papajoe56
17.45%

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

Posted: Sat Oct 07, 2017 2:17 pm
by Suman
20% excluding transactions in 2017.

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

Posted: Sat Oct 07, 2017 4:00 pm
by Texflier
13.28% YTD
24.10% last 4 quarters

I've got this market right where I want it. :P

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

Posted: Sat Oct 07, 2017 9:34 pm
by MrLogic
ROI YTD +8.07% (Quicken)
50/50 Allocation

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

Posted: Sun Oct 08, 2017 8:19 pm
by Garco
October 6, 2017

Portfolios are all over the place.

At end of September, total return in my core port (403b retirement fund, ~45% equities) is +10.0% YTD.

My supplemental, smaller, and more aggressive (~80% equities) supplemental ports YTD (Oct. 6): +14.7%, +15.7%, and +15.7%.

Taxable investment account TR YTD (Oct. 6): +10.1%.

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

Posted: Mon Oct 09, 2017 12:18 am
by 30sep16
Up 27%

7.5% Bitcoin / 92.5% Cash, a barbell portfolio.

My 7.5% allocation to Bitcoin is up 360%. I rebalance the profits off the Bitcoin every 4 to 8 weeks. It can crash to zero, but I've made that 7.5% several times over so I'm still way ahead of that were to happen.

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

Posted: Tue Oct 10, 2017 7:16 pm
by itstoomuch
Fiscal 12 month year, ending 10/6/2017. Currently in Preservation Mode at age 67/70.
GLWB Spouse's Variable Annuities #1-4, with some qualified GLWB withdrawals, and with 3.5% fees= +13.2%
GLWB Mine's Variable Annuities #5-6, with qualified GLWB withdrawals, and with 3.5% fees = +8.6%
Discretionary Accts = +7.5%, current cash ~30%, has been as high as 75% in 2017.
No bonds, All equity, equity variable annuity, & cash
YMMV.

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

Posted: Tue Oct 10, 2017 7:35 pm
by rr2
16% YTD (up to 9/30/2017) with roughly an AA of 60/40 Stocks/Fixed Income.

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

Posted: Wed Oct 11, 2017 7:39 am
by sschullo
6.6% YTD
Not bad for a boring 32%/68% allocation.
VG International is up 22%!

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

Posted: Wed Oct 11, 2017 12:44 pm
by hushpuppy
Entire stock/bond portfolio YTD: 17.35%
Stock Mutual Funds YTD: 20.13%
Short Term Bonds YTD: 2.16%

In general these types of returns seem a little more pleasant than those experienced in the two major bears, since 2000. :) However, I expect to continue in the market, when returns become unkind again. :twisted: Perhaps I will have been foolish in retrospect. If so, then I believe there will be more pressing issues to worry about than stock market valuations. Maybe there already are.

Regards,

hushpuppy

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

Posted: Sun Oct 22, 2017 9:55 am
by TheTimeLord
This thread made me curious to look at a longer period of YTDs.

In the 7 full years from 2010-2016 using Beardstown accounting my portfolio increased in value by 13.88% annually. Currently 2017 looks like it will be an above average year.

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

Posted: Sun Oct 22, 2017 10:08 am
by doneat53
Curious what "Beardstown Accounting" is?

Also, curious how people with paycheck deposits into their portfolios every two weeks, and big ticket purchases on top of daily COL calculate their returns? Seems like the math gets tedious quickly once you have harvested gains, then choose to reinvest those gains etc. Or are the numbers / percentages being thrown out just what Fidelity or Vanguard says on your account home page?

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

Posted: Sun Oct 22, 2017 10:14 am
by ruralavalon
Retired, age 72, asset allocation is 50/50.

Total return (share price increase plus reinvested dividends, net of expenses) is up 9.55% year to date.

Best fund so far is Vanguard Total International Stock Index Fund, total return is up 23.60% year to date.

Over 10 years total return is up 5.4% per year, best fund was Vanguard Total Stock Market Index Fund up 8.07% per year.

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

Posted: Sun Oct 22, 2017 10:17 am
by ruralavalon
doneat53 wrote:
Sun Oct 22, 2017 10:08 am
Curious what "Beardstown Accounting" is?

Also, curious how people with paycheck deposits into their portfolios every two weeks, and big ticket purchases on top of daily COL calculate their returns? Seems like the math gets tedious quickly once you have harvested gains, then choose to reinvest those gains etc. Or are the numbers / percentages being thrown out just what Fidelity or Vanguard says on your account home page?
Bardstown accounting is reporting your contributions as if they were a return on investment. Your portfolio size has been increased by the contributions you made, but it's not at all a measure of how well your investments are performing.

I don't know about Fidelity, but Vanguard calculates and reports a personal rate of return (labelled "investment returns") for 1, 3, 5 and 10 years. You have to calculate to get a year to date (YTD) personal return. If you are making regular contributions or withdrawals of a standard amount, then for YTD just divide "investment returns" by "beginning balance" for a YTD personal return.

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

Posted: Sun Oct 22, 2017 10:23 am
by wadefish
stocks: 65%
bonds: 35%

YTD: 11.5%

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

Posted: Sun Oct 22, 2017 10:35 am
by TheTimeLord
doneat53 wrote:
Sun Oct 22, 2017 10:08 am
Curious what "Beardstown Accounting" is?

Also, curious how people with paycheck deposits into their portfolios every two weeks, and big ticket purchases on top of daily COL calculate their returns? Seems like the math gets tedious quickly once you have harvested gains, then choose to reinvest those gains etc. Or are the numbers / percentages being thrown out just what Fidelity or Vanguard says on your account home page?
It comes from a mistake made by the Beardstown Ladies investment club in reporting their returns and their claims to have beat the market for several years in a row. I believe when they published their book someone noticed they were including contributions like they were returns in their calculations. Essentially I am, as I said in my post, tracking the change in value of my portfolio from year to year. To me this is the only meaningful metric to an indexer since an index is going to make what it makes and you AA if a function of risk management not the desire to maximize gains plus to me the biggest sin in investing is chasing returns . So if at the end of the year my portfolio is up $10,000 I really don't care about the source because no matter where it came from it is spendable money.

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

Posted: Sun Oct 22, 2017 11:02 am
by doneat53
To me this is the only meaningful metric to an indexer since an index is going to make what it makes and you AA if a function of risk management not the desire to maximize gains plus to me the biggest sin in investing is chasing returns . So if at the end of the year my portfolio is up $10,000 I really don't care about the source because no matter where it came from it is spendable money.
Makes sense, I agree that without assigning value to (lower) risk these numbers are meaningless.

I sort of do the same because it is simple math. For example for my Mom's account where she just takes RMD's and never puts any cash into the account following net worth over time and adding what she spends for the year allows met to reasonably estimate her investment return.

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

Posted: Sun Oct 22, 2017 11:12 am
by ruralavalon
It depends on what you are trying to measure.

If you are trying to measure portfolio size, then Beardstown accounting does the job.

If you are trying to the measure performance of your investments, then Beardstown accounting doesn't do the job.

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

Posted: Sun Oct 22, 2017 2:04 pm
by TheTimeLord
ruralavalon wrote:
Sun Oct 22, 2017 11:12 am
It depends on what you are trying to measure.

If you are trying to measure portfolio size, then Beardstown accounting does the job.

If you are trying to the measure performance of your investments, then Beardstown accounting doesn't do the job.
What point does this actual have if you are an index investor and have invested in line with you risk tolerance? Your returns will be what they will be. Not like you are out picking individual stocks or are trading. You have made the decision to take what the market gives and be satisfied with that. When you choose the entire market your returns in any given year are basically luck of the draw, not the result of making superior decisions. Same goes for same cap or value tilts, some years they work some they don't. Beyond ERs XYZ S&P 500 fund is going to perform the same as ABC S&P 500 fund so the variances in people's returns are the results of their AA, which should be a function of their risk management. So in Bull market years more aggressive AA will outperform, in down years conservative AA will likely lead, but neither is right or wring they are just appropriate for a given individual's situation and even then looking historically there isn't all that much difference in 40/60 vs 50/50 vs 60/40 anyway is there?

Getting drawn into competing with other people's returns or chasing returns is imho unproductive and possibly dangerous to your financial health.

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

Posted: Sun Oct 22, 2017 3:56 pm
by ruralavalon
TheTimeLord wrote:
Sun Oct 22, 2017 2:04 pm
ruralavalon wrote:
Sun Oct 22, 2017 11:12 am
It depends on what you are trying to measure.

If you are trying to measure portfolio size, then Beardstown accounting does the job.

If you are trying to the measure performance of your investments, then Beardstown accounting doesn't do the job.
What point does this actual have if you are an index investor and have invested in line with you risk tolerance? Your returns will be what they will be. . . . . . . .

Getting drawn into competing with other people's returns or chasing returns is imho unproductive and possibly dangerous to your financial health.
There is a point. It is often important to know personal rate of return on investments. I am not competing with anyone, and don't chase performance. All of our 5 funds are low expense ratio Vanguard funds, all but one index funds.

If something cannot give a positive real return net of inflation, then it is not really an investment and in my opinion needs to be discarded. (Therefore we currently have no money market fund except the required sweep, and no short-term bond fund.)

When in the accumulation stage knowing the personal rate of return on investments helped tell me whether I needed to increase contributions, or was already contributing enough, to meet the requirement savings goal in the time hoped for. (It told me my contributions would be enough, only if I worked longer than I hoped to. Living modestly already we could not contribute more, so . . . )

Now that I am retired and withdrawing from investments to pay for living expenses it's reassuring to know that my personal rate of return on investments substantially exceeds rate of withdrawal. It's not just reassuring, it tells me whether we need to cut back on living expenses, or whether we can afford to spend more on travel or gifts or charities. (It tells me we could afford to spend more if we wished to.) Knowing the personal rate of return on investments each year also tells me that we have avoided the dreaded sequence of returns risk in early retirement.

Finally, it's just interesting to know the personal rate of return on investments. But for me this thread produces no actionable information, it's just interesting to read.

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

Posted: Sun Oct 22, 2017 7:07 pm
by TheTimeLord
ruralavalon wrote:
Sun Oct 22, 2017 3:56 pm
TheTimeLord wrote:
Sun Oct 22, 2017 2:04 pm
ruralavalon wrote:
Sun Oct 22, 2017 11:12 am
It depends on what you are trying to measure.

If you are trying to measure portfolio size, then Beardstown accounting does the job.

If you are trying to the measure performance of your investments, then Beardstown accounting doesn't do the job.
What point does this actual have if you are an index investor and have invested in line with you risk tolerance? Your returns will be what they will be. . . . . . . .

Getting drawn into competing with other people's returns or chasing returns is imho unproductive and possibly dangerous to your financial health.
There is a point. It is often important to know personal rate of return on investments. I am not competing with anyone, and don't chase performance. All of our 5 funds are low expense ratio Vanguard funds, all but one index funds.

If something cannot give a positive real return net of inflation, then it is not really an investment and in my opinion needs to be discarded. (Therefore we currently have no money market fund except the required sweep, and no short-term bond fund.)

When in the accumulation stage knowing the personal rate of return on investments helped tell me whether I needed to increase contributions, or was already contributing enough, to meet the requirement savings goal in the time hoped for. (It told me my contributions would be enough, only if I worked longer than I hoped to. Living modestly already we could not contribute more, so . . . )

Now that I am retired and withdrawing from investments to pay for living expenses it's reassuring to know that my personal rate of return on investments substantially exceeds rate of withdrawal. It's not just reassuring, it tells me whether we need to cut back on living expenses, or whether we can afford to spend more on travel or gifts or charities. (It tells me we could afford to spend more if we wished to.) Knowing the personal rate of return on investments each year also tells me that we have avoided the dreaded sequence of returns risk in early retirement.

Finally, it's just interesting to know the personal rate of return on investments. But for me this thread produces no actionable information, it's just interesting to read.
So if Total Market goes down it is not a real investment and needs to be discarded instead of rebalanced into?

My guess is the total dollar amount at the end of the year told you if you needed to work longer or contribute more because you can't depend on returns being consistent year after year. The returns you got for 2016 had no predictive value for the returns you have gotten in 2017. Which is basically my point, it is dollar amount not rate of return they denotes if you are on track. We all wish sequence of return risk wasn't real and that AA X consistently yielded Return Y but unfortunately that isn't the way if works for most investments. I really don't see changing one's AA or investment mix within a category based on what performed well or poorly the previous year as a strategy in line with BH doctrine, Rebablancing or Reversion to the Mean.

I am guessing what is really reassuring is that the returns on your investments substantially exceed your expenses and as long as they do the actual Rate of Return is immaterial. I think for the most part it is fair to say for retirees it can be considered a good year as long as at the end of the Year your balance is greater than or equal to what your balance was at the end of the previous year irregardless of how you go there.

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

Posted: Sun Oct 22, 2017 8:50 pm
by Wild Willie
sschullo wrote:
Wed Oct 11, 2017 7:39 am
6.6% YTD
Not bad for a boring 32%/68% allocation.
VG International is up 22%!
Dat be me. And I sleep very well at night.