What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
Tanelorn
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Re: What are you up YTD?

Post by Tanelorn » Tue Aug 26, 2014 7:49 pm

Play money account (100% stocks), up 38% YTD. It's more fun to track than the boring stuff.

livesoft
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Re: What are you up YTD?

Post by livesoft » Tue Aug 26, 2014 7:55 pm

xrw1 wrote:I am perplexed how a more conservative AA such as 60/40 and 50/50 are out pacing a more aggressive AA of 80/20

There are big variations this year in the returns of asset classes in that 60 (equities) and in that 40 (fixed income).

For instance, REITs (in one's equity allocation) have done better than US stocks in general. Developed foreign stocks have done worse, but Emerging markets have been better than US stocks.

On the fixed income side, shorter duration bond funds have not returned as much as longer durations.

In those benchmarks that I posted previously in this thread, the DFA fund is hurting because it has shorter duration bonds, a higher allocation to foreign developed than the Vanguard LifeStrategy funds, and probably has less REITs.
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Rajsx
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Re: What are you up YTD?

Post by Rajsx » Tue Aug 26, 2014 8:05 pm

40 to 45% Stock
55 to 60% Bond

YTD - I do not know, and am too lazy to learn to calculate
But 1 yr as given in the Vangaurd/Performance is 10.3%
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AlohaJoe
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Re: What are you up YTD?

Post by AlohaJoe » Tue Aug 26, 2014 8:12 pm

My spreadsheet says I am up 96.93% since January 1.

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tetractys
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Re: What are you up YTD?

Post by tetractys » Tue Aug 26, 2014 8:15 pm

My total return so far this year is about %6.5. It's the end of August, so that would make the IRR about ... 9.75 I think. My allocation is 75/25. -- Tet

island
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Re: What are you up YTD?

Post by island » Tue Aug 26, 2014 8:24 pm

Iorek wrote:No idea :)

Me either.
My 401K has gotten too aggressive, husbands probably too conservative...or maybe not for our age, taxable account is all equity and too much cash. No clue what the overall mishmash is yielding and don't really care, but am trying to figure out what our AA should be. We're a work in progress.

madbrain
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Re: What are you up YTD?

Post by madbrain » Tue Aug 26, 2014 8:25 pm

AlohaJoe wrote:My spreadsheet says I am up 96.93% since January 1.


I am guessing you are including some contributions in there.

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Re: What are you up YTD?

Post by AlohaJoe » Tue Aug 26, 2014 8:27 pm

madbrain wrote:
AlohaJoe wrote:My spreadsheet says I am up 96.93% since January 1.


I am guessing you are including some contributions in there.


Sure, some but only maybe $50,000 of the $700,000.

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Re: What are you up YTD?

Post by madbrain » Tue Aug 26, 2014 8:28 pm

AlohaJoe wrote:
madbrain wrote:
AlohaJoe wrote:My spreadsheet says I am up 96.93% since January 1.


I am guessing you are including some contributions in there.


Sure, some but only maybe $50,000 of the $700,000.


So where did the other $650k come from ?

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Re: What are you up YTD?

Post by AlohaJoe » Tue Aug 26, 2014 9:06 pm

madbrain wrote:So where did the other $650k come from ?


"Investments" that went up. :)

Not all investments that we make are index funds. Those are just the ones that are easiest/most fun to talk about on this board. But it sometimes causes us to be a bit myopic :). The biggest investment we make is usually our career. Sometimes those investments start paying off in the form of RSUs, raises, etc.

Career decisions that I made several years ago are now maturing. All of that time I used to spend on checking daily stock movements I decided to put into excelling in aspects of my career instead. It has turned out to have a better ROI ;)

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Re: What are you up YTD?

Post by madbrain » Tue Aug 26, 2014 9:11 pm

AlohaJoe wrote:
madbrain wrote:So where did the other $650k come from ?


"Investments" that went up. :)

Not all investments that we make are index funds. Those are just the ones that are easiest/most fun to talk about on this board. But it sometimes causes us to be a bit myopic :). The biggest investment we make is usually our career. Sometimes those investments start paying off in the form of RSUs, raises, etc.

Career decisions that I made several years ago are now maturing. All of that time I used to spend on checking daily stock movements I decided to put into excelling in aspects of my career instead. It has turned out to have a better ROI ;)


OK, so the return wasn't from a financial investment, but a return on human capital. I would not count that in the same bucket, just like I don't count my salary as an investment return.

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Re: What are you up YTD?

Post by AlohaJoe » Tue Aug 26, 2014 9:12 pm

madbrain wrote:OK, so the return wasn't from a financial investment, but a return on human capital. I would not count that in the same bucket, just like I don't count my salary as an investment return.


I got stock options and RSUs in exchange for my work contributions. They went up in value.

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Makaveli
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Re: What are you up YTD?

Post by Makaveli » Tue Aug 26, 2014 9:14 pm

80:20

6.4%

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Regal 56
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Re: What are you up YTD?

Post by Regal 56 » Tue Aug 26, 2014 9:18 pm

Equity to fixed ratio: 89.63/10.37
Domestic to foreign ratio: 57.06/42.94
YTD: +8.57%

Domestic small cap ain’t cutting it this year. Oh well, someone once said if you slice & dice and one of your funds isn’t underperforming at any given moment, then you’re not well diversified. So I guess I’m well diversified.

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Re: What are you up YTD?

Post by madbrain » Tue Aug 26, 2014 9:21 pm

AlohaJoe wrote:
madbrain wrote:OK, so the return wasn't from a financial investment, but a return on human capital. I would not count that in the same bucket, just like I don't count my salary as an investment return.


I got stock options and RSUs in exchange for my work contributions. They went up in value.


Right, I understand, I have options and RSUs as well.
But if you are stating that you are up 96%, you need to have a proper denominator for the value of the work contributions. Otherwise, that return is not meaningful.
What denominator are you using to value said work contributions ?

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Re: What are you up YTD?

Post by Mongoose » Wed Aug 27, 2014 2:27 am

Equity to fixed ratio: 94.4%/5.6%
International (total portfolio): 18.1%
YTD: +11.2%

SLOWLY trying to get back up to 10% bonds but my taxable contributions outpace my 401k and it's taking forever.

Edited to add: The website personal capital does a good job of finding your total returns on different accounts if you are willing to link accounts. Verified with my seperate XIRR calc. Not affiliated but I have been using since January and have been liking it so far (other then the once in a while calls from my "personal advisor" trying to get me in high ER funds)

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Re: What are you up YTD?

Post by AlohaJoe » Wed Aug 27, 2014 2:37 am

madbrain wrote:Right, I understand, I have options and RSUs as well.
But if you are stating that you are up 96%, you need to have a proper denominator for the value of the work contributions. Otherwise, that return is not meaningful.
What denominator are you using to value said work contributions ?


Denominator = market value of my assets on 1-January.
Numerator = market value of my assets on 1-August.

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Re: What are you up YTD?

Post by madbrain » Wed Aug 27, 2014 3:40 am

AlohaJoe wrote:
madbrain wrote:Right, I understand, I have options and RSUs as well.
But if you are stating that you are up 96%, you need to have a proper denominator for the value of the work contributions. Otherwise, that return is not meaningful.
What denominator are you using to value said work contributions ?


Denominator = market value of my assets on 1-January.
Numerator = market value of my assets on 1-August.


In that case, your 96% cannot be called an investment return, since you are not accounting for the value of any contributions, work or otherwise.

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1210sda
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Re: What are you up YTD?

Post by 1210sda » Wed Aug 27, 2014 7:35 am

livesoft wrote:Some benchmarks can be found in the madsinger monthly report. But in the meantime:
YTD performance ending 8/25/2014
6.0% LifeStrategy Conservative Growth 40/60
6.6% LifeStrategy Moderate Growth 60/40
7.1% LifeStrategy Growth 80/20
5.5% DGSIX DFA Global allocation 60/40 (A good example of a small-cap and value-tilted slice-and-dice mutual fund)


Thanks Livesoft.

I guess that someone in the same allocation who exceeds these numbers is either among the 25% to 33% that "beat" the market, or else they are not measuring their returns properly.

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hiddensee
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Re: What are you up YTD?

Post by hiddensee » Wed Aug 27, 2014 8:26 am

80/20

13%

My tilts - EM and US small cap - seem to have cancelled one another out.

dansnad
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Re: What are you up YTD?

Post by dansnad » Wed Aug 27, 2014 8:50 am

I'm up 30.34% YTD in my taxable account that holds 3-4 stocks at any given time. My 401k (mostly invested in a S&P 500 index) is up 8.0%.

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Re: What are you up YTD?

Post by RadAudit » Wed Aug 27, 2014 10:11 am

A quick scan of the replies seems to confirm the general conclusion that total portfolio return is strongly influenced by asset allocation. And, hopefully, asset allocation is a function of a need, willingness and ability to take risk. So, are we really reporting on how good our IPS is at actually delivering on our estimated need for current and / or future return and / or growth?

But just for the sake of discussion - 50 / 50 and YTD return slightly above 6%. And, yes - it seems to be matching / slightly exceeding my needs, so far.
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Re: What are you up YTD?

Post by feh » Wed Aug 27, 2014 1:59 pm

70/30

6.25%

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ruralavalon
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Re: What are you up YTD?

Post by ruralavalon » Wed Aug 27, 2014 3:09 pm

xrw1 wrote: I am perplexed how a more conservative AA such as 60/40 and 50/50 are out pacing a more aggressive AA of 80/20

Vanguard REIT Index Adm (VGSLX) = + 20.58% YTD.
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JTJjr
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Re: What are you up YTD?

Post by JTJjr » Wed Aug 27, 2014 3:42 pm

Equities: 33%
Bonds: 65%
MMkt: 2%

Up 7.58% (according to Morningstar portfolio)

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surfstar
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Re: What are you up YTD?

Post by surfstar » Wed Aug 27, 2014 3:59 pm

No clue.

The squiggly blue line moved up and down as it went from left to right.

rixer
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Re: What are you up YTD?

Post by rixer » Wed Aug 27, 2014 4:04 pm

I've gone from 40 to 45% equities this year. The fixed income is bond funds, cd's and mm.
YTD = 4.6%

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4nursebee
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Re: What are you up YTD?

Post by 4nursebee » Wed Aug 27, 2014 4:37 pm

Instructive to read this.
I have no idea overall. What is passive in low cost index funds likely mirrors sp500. What I invest in stocks was down 1.6% YTD within the past week.
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Rysto
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Re: What are you up YTD?

Post by Rysto » Wed Aug 27, 2014 7:51 pm

My allocation is 80/20, and Quicken says that I'm at 11.89% YTD (excluding my employee stock options, which I don't consider as part of my AA). I suspect that the Canadian dollar has contributed to the return, but I'm not entirely sure.

jstash
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Re: What are you up YTD?

Post by jstash » Wed Aug 27, 2014 8:52 pm

My AA is 90/10 and I'm up 8.3% YTD. That's with monthly DCA contributions.

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Aptenodytes
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Re: What are you up YTD?

Post by Aptenodytes » Wed Aug 27, 2014 9:13 pm

I read the first page of responses but still don't know if you mean what you literally ask our rather what is your return to date.

The first is easy to look up but the latter I only calculate at the end of the month.

john94549
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Re: What are you up YTD?

Post by john94549 » Wed Aug 27, 2014 9:25 pm

Considering that my wife and I are both 67, but she insists on working (I'm retired), it's academic. Suffice it to say: more than enough.

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BolderBoy
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Re: What are you up YTD?

Post by BolderBoy » Wed Aug 27, 2014 10:03 pm

InvestorNewb wrote:Please share your asset allocation and what you are up (or down) YTD in the format below.

Stocks: 42.3% (TSMI)
Bonds: 57.6% (TBMI)

Up: 5.4%

I went to my VG account and waved the mouse over the AA pie chart. It showed me the above. The percentage is also from VG on the "personal performance YTD". No contributions, some withdrawals. VG reports the % as being due to market appreciation and reinvested earnings.

22twain
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Re: What are you up YTD?

Post by 22twain » Wed Aug 27, 2014 10:21 pm

50% stocks
50% bonds, stable value and cash

Up about 5.2% so far this year, after correcting for contributions to tax-deferred accounts and withdrawals from taxable accounts.

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Re: What are you up YTD?

Post by longinvest » Fri Aug 29, 2014 5:23 pm

LAlearning wrote:
Gropes & Ray wrote:How do you factor in recent contributions? Considering I only started saving 3 years ago, a significant percentage of my portfolio was invested after 1/1/14. My assets that were invested before 12/31/14 are up 7.4% (90/10 AA), but the money I invested on 7/1/14 isn't up very much.


Search Bogle Wiki, site, and google for XIRR.


XIRR calculates your internal rate of return. This number is affected by your specific sequence of contributions and withdrawals. This number is not comparable to the return reported by others, by indices, or by mutual funds.

Yet, XIRR's return is the return number that is of most importance to you, personally; it tells you what the fixed interest rate should have been on a bank savings account for you to accumulate an identical amount as your current portfolio using the exact same sequence of contributions and withdrawals that you had while building your portfolio. I think that XIRR's return is officially called a money-weighted return.

When you want to compare your portfolio's return to others, you need to eliminate the effect of contributions and withdrawals. This can be pretty complex, as it requires that you know the price paid/received when contributing/withdrawing. Personally, I use a simpler approximation suggested by Dr. Bernstein in his Four Pillars of Investing book. Every month, I do compute that month's return as:

MonthReturn = (StartAmount + ((contributions - withdrawals) / 2)) / (EndAmount - ((contributions - withdrawals) / 2)) - 1

Mainly, this approximates the "comparable" return of your portfolio by spreading half the contributions/withdrawals to the start of the month, and the other half to the end of the month. I think that this comparable return is officially called a time-weighted return.

The time-weighted return should be the bragging return used on this thread to compare various portfolios. Comparing XIRR returns is like comparing apples and oranges.
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Re: What are you up YTD?

Post by LongerPrimer » Fri Aug 29, 2014 6:58 pm

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.

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Re: What are you up YTD?

Post by White Coat Investor » Fri Aug 29, 2014 7:26 pm

7.2% on a 75/25 sliced and diced portfolio.
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Re: What are you up YTD?

Post by pradador » Fri Aug 29, 2014 9:44 pm

6.46% time-weighted return YTD on a 90/10 portfolio. Russell 2000 Value has not done well this year.

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StevieG72
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Re: What are you up YTD?

Post by StevieG72 » Fri Aug 29, 2014 11:34 pm

7.43 time-weighted return.

60/40
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Re: What are you up YTD?

Post by DVMResident » Fri Aug 29, 2014 11:50 pm

Stocks: 80% (50 US/50 Ex-US, slice SCV, ISC, EM, REIT)
Bonds: 20%

Up: 10.57% according to Marketwatch

Beating my benchmark, VG Growth Life Cycle fund, this year by ~3%. Trailed last year by ~2%. Meh'

Contributions from first real job with 3x resident salary far more important :sharebeer

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Re: What are you up YTD?

Post by nonroom » Sat Aug 30, 2014 8:51 am

40% US
30% Int'l
10% REIT
15% Total Bond
5% TIPS


-All index or low expense ratio funds at Vanguard or Fidelity

XIRR says 8.0% as of this morning.
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Jim85
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Re: What are you up YTD?

Post by Jim85 » Sat Aug 30, 2014 9:03 am

35% Bonds, 45% Stock, 13% Stable value fund, 7% cash/CDs, etc.

Up 8.46%.

CantPassAgain
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Re: What are you up YTD?

Post by CantPassAgain » Sat Aug 30, 2014 9:15 am

I wonder how many people are just posting their XIRR which is an annualized calculation. Some of the returns posted here, even for conservative portfolios have me scratching my head. Unless I missed it, I have the lowest return of anyone who has posted their return.

50% US
15% Intl
20% Bond
15% Cash

XIRR = 9.38%
9.38% / 365 days = 0.03% Per Day
0.03% x 241 days elapsed = 6.21% YTD internal rate of return.

Ldevelopment
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Re: What are you up YTD?

Post by Ldevelopment » Sat Aug 30, 2014 10:05 am

Younger investor. Up 10.3% YTD. Portfolio is aggressive at 90/10.

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Re: What are you up YTD?

Post by placeholder » Sat Aug 30, 2014 12:07 pm

Strevlac wrote:I wonder how many people are just posting their XIRR which is an annualized calculation.

I just answered the question as asked so I subtracted the portfolio value from around the first of the year to the most recent point (which of course includes all contributions).

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Re: What are you up YTD?

Post by hiddensee » Sat Sep 13, 2014 11:17 am

Strevlac wrote:I wonder how many people are just posting their XIRR which is an annualized calculation. Some of the returns posted here, even for conservative portfolios have me scratching my head. Unless I missed it, I have the lowest return of anyone who has posted their return.

I think one reason mine is so high is the weakening Euro. USD investors may have experienced poorer nominal returns.

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Re: What are you up YTD?

Post by Leeraar » Sat Sep 13, 2014 12:24 pm

I have no idea.

If I did go to the trouble of finding the number, what would I do with it?

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Re: What are you up YTD?

Post by linenfort » Sat Sep 13, 2014 4:16 pm

Leeraar wrote: If I did go to the trouble of finding the number, what would I do with it?

Depends on the number. :wink:
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Re: What are you up YTD?

Post by Leeraar » Sat Sep 13, 2014 4:42 pm

linenfort wrote:
Leeraar wrote: If I did go to the trouble of finding the number, what would I do with it?

Depends on the number. :wink:

No, seriously, it would be a hassle to calculate the number, and I don't know what to do with it. I look at the total balances maybe three times a year, and have an annual checkup with Vanguard. I occasionally look at an individual fund when someone asks a question.

Like, for example, VBILX is up 4.6% YTD and 6.3% YOY. I am pleasantly surprised. I have translated my AA into desired percent in each Vanguard fund, so I can rebalance based on account balances. Rate of return is not a useful number.

(And, since the OP obsesses about daily movements, for him/her I think the number is much worse than not useful.)

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

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Re: What are you up YTD?

Post by Dickerson » Sat Sep 13, 2014 4:43 pm

8% on 77/23 allocation

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