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What are you up YTD? [Year To Date]

Posted: Tue Aug 26, 2014 10:19 am
by InvestorNewb
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%

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 10:23 am
by MaddMaxx
I was at 100% stocks until June 1st, now am at 74/26 stocks to bonds and up 9.1% on the year.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 10:39 am
by investor1
My desired AA is 90/10. I use a target date fund, so I'm willing to bet my current AA is 90/10. I don't know what I am up or down YTD. I'll let you know in about 20 years :)

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 10:44 am
by tomd37
As a 77 year-old retiree I have a 50/50 asset allocation. YTD total is +7.02% which includes a 10% of total portfolio allocation to the VG REIT index fund which has done quite well this year. :D

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 10:47 am
by chaz
I have a 50/50 AA. Not sure change since Jan.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 10:53 am
by Sheepdog
81 year old retiree, 24% stocks, 4.6% YTD

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:01 am
by Grt2bOutdoors
Somewhere between 75-80% equity - up 8.6% ytd.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:16 am
by LAlearning
Dont know, dont care.

Re-balanced and trucked along.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:23 am
by inbox788
InvestorNewb wrote: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%


Are you meeting or beating your risk adjusted return?

For reference YTD S&P500, Dow, Nasdaq and bonds/midcap/smallcap are up:

ARCX:SPY:+15.51|+8.40%
ARCX:DIA:+5.15|+3.11%
XNAS:QQQ:+11.44|+13.01%
ARCX:BND:+2.25|+2.81%
ARCX:VO:+10.44|+9.49%
ARCX:VB:+6.15|+5.59%

http://quotes.morningstar.com/chart/etf ... ctcode=COM

I'm most surprised by the almost 3% YTD in bonds, but that's because I probably track it the least.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:27 am
by pennstater2005
LSG fund, too lazy to check. Could someone google that for me :P

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:30 am
by gerrym51
InvestorNewb wrote: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%



Will you be starting a thread like this when you are down 10 percent for the year. :mrgreen:


I remember the late ninties when i was up 30 percent 4 years in a row. things change-lol

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:36 am
by Midwest Dave
Stocks 60%
Bonds 40%
+8.1% :D

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:37 am
by cfs
gerrym51 wrote:I remember the late ninties when i was up 30 percent 4 years in a row. things change-lol

Yes Gerry, those were the FUN times, but "this time it is different."

Thanks for reading.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:40 am
by Gropes & Ray
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.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:53 am
by market timer
I'm almost entirely in cash right now, but am up just over 20% ytd, mostly from Treasuries.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 11:57 am
by LAlearning
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.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 12:15 pm
by Clearly_Irrational
Small Cap Value 30%
Emerging Market 20%
Long US Treasuries 30%
Gold 20% (rotated with cash based on real interest rates)

Results YTD: +10.1%

Currently I'm beating my benchmark from portfolio inception to date but well within the expected range.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 12:16 pm
by katzmandu
9.93% 93/7 split (yeah yeah, I know)

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 12:44 pm
by Steelersfan
60%/40% - up just under 7%.

I rebalanced a bit a few months ago to get back below 60% equities.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 12:49 pm
by placeholder
I don't have an IRR type number but in total increase of portfolio (includes contributions) my 60/40 is about 8% higher.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 12:52 pm
by dolphinsaremammals
Retiree, split between CDs at 2.5 to 3% annually and Wellesley mix of investor and admiral shares at so far for the year 6.50%.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 1:47 pm
by ruralavalon
Retired.

50/50 asset allocation.

Overall YTD 7.60% -- per M* Portfolio Manager, which doesn't know how to figure in our Treasurys.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 1:52 pm
by linenfort
I think I'm up. I feel up.

I don't have the stats, but of course my stock index funds are going gangbusters.
Long bonds - up, up, up.
munis - up
cash - you know, it's cash.
gold - not so hot, but less than 8% of the portfolio.
individual stocks - a few turkeys, but overall up a lot.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 1:53 pm
by Iorek
No idea :)

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 2:29 pm
by livesoft
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)

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 2:39 pm
by Peter Foley
Since it is not mid year,, nor year's end and I am a long way from any rebalancing bands, I have no clue. Since I only own a couple of stock mutual funds, I could look up what I am up there. But that represents less than half my portfolio. One advantage of having a conservative portfolio ( based on need, or lack thereof) is one is not tempted to continually take one's pulse.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 3:16 pm
by Simplegift
• 50% Stock/50% Bonds
• Modest tilt to small and value
• 6.63% year-to-date

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 3:28 pm
by berntson
One of the best decisions I made was eliminating any easy way to track my portfolio's returns. I keep track of contributions and check my returns once at the end of the year using the XIRR function. This makes investing even more boring than it already was (a good thing!).

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 3:38 pm
by fposte
Roughly 70/30. I don't calculate, but I do notice when the gain in my inherited IRA exceeds the RMD, which it has (at least so far). I'll be sad when that trend stops.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 3:42 pm
by Quickfoot
+8.72% (had to check, not something I worry about a lot), we are 70/20/10. LS 80/20 is +7.14%, LS 60/40 is +6.80% and LS 40/60 is +6.21%

20% Fixed
10% Reit
22% International
24% Large Cap Domestic
24% Mid Cap Domestic

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 4:21 pm
by gkaplan
I have no idea.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 4:50 pm
by cfs
I don't know but I do care.

I don't know but I do care, not to be confused with the infamous I don't know and I don't care. Re-balanced our imperfect SWAN or sleep well at night portfolio after retiring in May with the rollover of the 401(k) to Vanguard. I no longer have the ability, willingness, or need to take extra risk. Current equity allocation is in the 35-40 and the bonds and cash reserves in the 60-65, the SWAN is currently doing fine, and I will know the total portfolio growth at the close of the market on 12/31/2014. Goals are capital preservation, loss prevention, and yearly gains of a few points above inflation.

Thanks for reading.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 4:57 pm
by Sidney
cfs wrote:I don't know but I do care.

I don't know but I do care, not to be confused with the infamous I don't know and I don't care. Re-balanced our imperfect SWAN or sleep well at night portfolio after retiring in May with the rollover of the 401(k) to Vanguard. I no longer have the ability, willingness, or need to take extra risk. Current equity allocation is in the 35-40 and the bonds and cash reserves in the 60-65, the SWAN is currently doing fine, and I will know the total portfolio growth at the close of the market on 12/31/2014. Goals are capital preservation, loss prevention, and yearly gains of a few points above inflation.

Thanks for reading.

Not sure what you mean by "a few points". I am 40/60 also. I am assuming ~2% real (although we will do fine with even less). Somewhere ~ zero for fixed income and maybe 3-4% for equity.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:04 pm
by cfs
Sidney wrote:
cfs wrote:I don't know but I do care.

I don't know but I do care, not to be confused with the infamous I don't know and I don't care. Re-balanced our imperfect SWAN or sleep well at night portfolio after retiring in May with the rollover of the 401(k) to Vanguard. I no longer have the ability, willingness, or need to take extra risk. Current equity allocation is in the 35-40 and the bonds and cash reserves in the 60-65, the SWAN is currently doing fine, and I will know the total portfolio growth at the close of the market on 12/31/2014. Goals are capital preservation, loss prevention, and yearly gains of a few points above inflation.

Thanks for reading.

Not sure what you mean by "a few points". I am 40/60 also. I am assuming ~2% real (although we will do fine with even less). Somewhere ~ zero for fixed income and maybe 3-4% for equity.

Sidney, those are the numbers I am hoping for--above inflation--and IF we get more I will have no complaints.

Thanks for reading.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:05 pm
by Toons
I don't know but it appears my investment portfolio is worth more than it was this time last year,,and I have been spending money along the way,,,,this is the way long term investing is supposed to work,,methinks :happy

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:11 pm
by serbeer
75/25
+7.7%

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:23 pm
by schmitz
How do you guys calculate your ytd return percentage?

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:28 pm
by daave
Just hopped on to https://personal.vanguard.com/us/Perf, and it seems it will only give you 1-year returns as a %, not YTD.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:31 pm
by tigermilk
With or without contributions? Makes a big difference, particularly if your balance is small. For myself, 100/0:

TSP
With contributions - +10%
Removing contributions - +7% (TSP S & I Funds dragging me down)

Vanguard
With contributions - +164% :shock:
Removing contributions - +18.7%

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:37 pm
by zzcooper123
Was 60/40, recently re-balanced to 50/50 with lots of muni bonds...which have been berry berry good to me. Probably up ~8% YTD. Stuck in lots of S&P500 fund...waiting til January 1, 2015 to tax gain harvest.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:42 pm
by galeno
YTD = 5.2%

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 5:54 pm
by gkaplan
schmitz wrote:How do you guys calculate your ytd return percentage?



http://www.gummy-stuff.org/xirr.htm

http://www.gummy-stuff.org/XIRR-stuff.htm

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 6:10 pm
by Pizzasteve510
Removed

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 6:10 pm
by xrw1
For the people that have more conservative AA 75/25, 60/40, 50/50 (stock/bonds) how much are you guys titled to have higher YTD?

I am at 80/20 using mainly vanguard or fidelity equivalent 3 funds portfolio (I just started recently tilting) and I have a YTD shy of 7%

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

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 6:26 pm
by Steelersfan
xrw1 wrote:For the people that have more conservative AA 75/25, 60/40, 50/50 (stock/bonds) how much are you guys titled to have higher YTD?

I am at 80/20 using mainly vanguard or fidelity equivalent 3 funds portfolio (I just started recently tilting) and I have a YTD shy of 7%

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


I'm 60%/40% and my bond funds are doing better than my stock funds because we're still in a falling interest rate environment.

When that changes, as surely it must, the bonds will be a drag on portfolio performance.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 6:50 pm
by dolphinsaremammals
schmitz wrote:How do you guys calculate your ytd return percentage?


I have an Excel workbook that lists the value of my accounts and CDs at the end of each month. I have formulas in it that use the current value compared to what it was at the end of 2013 for various items.

I suppose it is unBogle to track this often, but it also gives me a handle on spending, tells me when CDs are maturing, and is a fraud check as I have to go look up balances.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 7:04 pm
by staythecourse
Surprised to only see a few "who cares" answers. I am in the that category. Since I know it comes and goes like waves crashing over the rocks there is no point paying attention until I am 10 yr. out from retirement. At this point up 50% or down 50% would make no difference 20 yrs. later. Being excited about yearly returns in up markets are for those who need confirmation bias to strengthen their resolve.

Good luck.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 7:12 pm
by technovelist
5.7% investment return YTD, as of last Friday. I keep track weekly.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 7:12 pm
by Christine_NM
Stocks: 49%
Bonds: 51%

Up: 7.2%

Edited to update everything.

Re: What are you up YTD?

Posted: Tue Aug 26, 2014 7:42 pm
by madbrain
Quicken says about 6% total return for the year. I have about 30% domestic equity, 30% foreign equity (including overweight EM), 8% junk bonds, 32% other bonds (muni, stable value, cash).
Just not too much change this year, but that's good.