[Annual POLL] What was your 2014 return?

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.

What was your overall 2014 return? ► SEE IMPORTANT NOTE IN THE OP ◄

Poll ended at Sun Feb 01, 2015 8:26 am

Less than —5.0%
1
0%
—5.0% to —0.1%
1
0%
0.0% to 2.4%
10
2%
2.5% to 4.9%
46
9%
5.0% to 7.4%
150
30%
7.5% to 9.9%
156
32%
10.0% to 12.4%
59
12%
12.5% to 14.9%
20
4%
15.0% to 17.4%
7
1%
17.5% to 19.9%
2
0%
20.0% to 24.9%
4
1%
25.0% or More
1
0%
Don't Know/Don't Care
37
7%
Who's asking — and Why?
1
0%
 
Total votes: 495

User avatar
iceport
Posts: 3986
Joined: Sat Apr 07, 2007 4:29 pm

[Annual POLL] What was your 2014 return?

Post by iceport » Thu Jan 01, 2015 8:26 am

For what has become an annual tradition...

What was your overall dollar-weighted return (XIRR) in 2014?

NOTE: This is not intended to provide any actionable information. Different asset allocations are expected to perform differently, and relative short term performance of various portfolios is in no way predictive of long term performance.

► Never change your long term investment plan based on short term results. Doing so is hazardous to your wealth. ◄


For me:
Overall 2014 XIRR was 6.0%
This matched my benchmark.
Closest Vanguard TR fund (Vanguard Target Retirement 2020 Fund — 39% Fixed Income) returned 7.11%

My particular blend of fixed income was probably the biggest performance drag, compared to the Vanguard TR fund.

Best performing asset — by far — was US REIT index fund: 30.3%
Worst performing asset was EAFE index fund: —5.5%

2014 Target AA:
31% US Equity
4% US REIT
4% ex-US Real Estate
18% ex-US Equity
42% Fixed Income

For help computing your internal rate of return (XIRR) see these explanations by Gummy:

Money In - Money Out

Return on Investment

Thanks for posting. Happy New Year everybody!

—Peter

Edit 1: allow corrections.
Edit 2: add the links to some previous polls:

2009 annual returns thread
2010 Annual Returns Thread
2011 Returns Thread
What was your 2012 return?
[Poll] What was your 2013 return?
2008/2009 Personal Returns (thru the Great Recession)

Also, inspired by livesoft's nice chart below, most of my individual holdings are plotted here: petrico's 2014 portfolio

Edit 3: add note of caution, close poll in 31 days
Last edited by iceport on Mon Jan 05, 2015 9:41 pm, edited 3 times in total.
"Discipline matters more than allocation.” ─William Bernstein

livesoft
Posts: 62699
Joined: Thu Mar 01, 2007 8:00 pm

Re: [Annual POLL] What was your 2014 return?

Post by livesoft » Thu Jan 01, 2015 9:00 am

2014 was a great year. Here's a M* growth of chart of a few favorite funds on the forum:
Image

It looks as if one could've started investing in mid-October and ignored the first 9.5 months and still performed about the same (except for REITs).

US large caps did the best (excepts for REITs)
US small-cap value did better than US small-cap growth (not shown in chart)
US REITs did very well indeed.
Int'l large and small did poorly; emerging markets broke even after being up more than 20% from the February lows.
US Bonds had a very decent year as well.

Performance of a couple 60/40 benchmark funds:
3.71% DGSIX DFA 60/40 Gbl All I, small-cap value tilted, with about 35% of equities in int'l and 54% of equities in large-caps.
7.07% VSMGX Vanguard LifeStrategy Moderate Growth with 30% of equities in int'l and 74% of equities in large-caps.

My portfolio is small-cap value tilted about 60/40, with about 50% of equities in int'l and 45% of equities in large-caps, so it was severely overweighted in poorly-performing int'l and severely underweighted in the well-performing US large caps (relative to Vanguard VSMGX).
Wiki This signature message sponsored by sscritic: Learn to fish.

Gecko10x
Posts: 147
Joined: Thu Jun 06, 2013 8:10 pm

Re: [Annual POLL] What was your 2014 return?

Post by Gecko10x » Thu Jan 01, 2015 10:02 am

I think my overall weighted return was around 4%, which was significantly drug down by awful timing of new contributions, which made up a rather larger % of my total portfolio. :annoyed

User avatar
cfs
Posts: 4154
Joined: Fri Feb 23, 2007 1:22 am
Location: ~ Mi Propio Camino ~

Re: [Annual POLL] What was your 2014 return?

Post by cfs » Thu Jan 01, 2015 10:15 am

Good Year of 2014.

Saying adios to the good year of 2014, I don't keep track of individual returns, what I track is our imperfect SWAN or sleep well at night portfolio "growth" from year to year and I like what I see on my balance sheet, praise the Lord. Still bullish on America and I look forward to another up/down/side-ways--but mostly up--year in the markets, as I continue to invest slowly and for the long run.
~ Member of the Active Retired Force since 2014 ~

crg11
Posts: 418
Joined: Sat Jan 04, 2014 8:16 am

Re: [Annual POLL] What was your 2014 return?

Post by crg11 » Thu Jan 01, 2015 10:39 am

Looks like I'm at 7.03% using XIRR for 2014. Being a Boglehead since only March, I'm very happy with this result.

AA (since March) is 80/20.
Last edited by crg11 on Thu Jan 01, 2015 11:29 am, edited 1 time in total.

stan1
Posts: 5893
Joined: Mon Oct 08, 2007 4:35 pm

Re: [Annual POLL] What was your 2014 return?

Post by stan1 » Thu Jan 01, 2015 11:04 am

5.7% calculated using XIRR function in Excel

AA is roughly 55/45 broken down as follows:
20% TSM
10% SCV
20% International (2/3 large, 1/3 small)
5% US REIT
40% TSP G Fund
5% CA Muni Bonds, CDs, iBonds

User avatar
Regal 56
Posts: 453
Joined: Thu May 24, 2007 5:47 pm
Location: South Euclid, OH
Contact:

Re: [Annual POLL] What was your 2014 return?

Post by Regal 56 » Thu Jan 01, 2015 11:06 am

My return was a measly +4.26%. My portfolio is 60/40 on domestic and international, so the international side didn’t help. Natural resources didn’t do well either. Real estate was the big winner.

dkturner
Posts: 1355
Joined: Sun Feb 25, 2007 7:58 pm

Re: [Annual POLL] What was your 2014 return?

Post by dkturner » Thu Jan 01, 2015 11:21 am

2014 return was 8.28% using Excel formula XIRR. Vanguard's Target 2015 Fund has almost exactly the same equity/fixed income breakdown that I do (51.8% equity for me, 51.3% for TR2015). TR2015 returned 6.56% in 2014. :D

Edit: I have all of my marketable investments in accounts at Vanguard. Their website now shows year end returns for last 1, 3, 5 and 10 years. I was curious how the results they report for my accounts compare with the XIRR calculated results. Virtually identical. Vanguard reports, respectively (1, 3, 5, 10 year) 8.3, 11.2, 9.8, 6.8 annualized returns. XIRR reports respectively 8.28, 11.16, 9.74, 6.86 annualized returns.
Last edited by dkturner on Fri Jan 02, 2015 10:54 am, edited 1 time in total.

ks289
Posts: 626
Joined: Sun Mar 11, 2012 12:42 pm

Re: [Annual POLL] What was your 2014 return?

Post by ks289 » Thu Jan 01, 2015 11:36 am

8.1% with 60:40 equity/bond mix
Slightly better than vanguard moderate growth (7.07%) due to reit slice, munis, and lucky rebalancing which overcame the drags from small cap/value tilts, emerging markets slice, and slightly higher international allocation.

User avatar
Peter Foley
Posts: 4535
Joined: Fri Nov 23, 2007 10:34 am
Location: Lake Wobegon

Re: [Annual POLL] What was your 2014 return?

Post by Peter Foley » Thu Jan 01, 2015 12:07 pm

I was at 6.64 for the year. My target AA is 45/55 although I ended the year near 50/50. I will rebalance sometime this upcoming week when I do my 2015 Roth conversion.

Portfolio includes
Stable Value 31%
I-Bonds & Tips 14%
Total Bond 5%
Total Int'l 7%
US equities 43%

My worst performer was international. My best performer was a 1% of portfolio position in a Utility fund (trying to increase bond-like returns) at 26.24%.

I feel very fortunate. One of the key factors in terms of portfolio longevity is the sequence of returns. I've been retired a little over 2.5 years and the 3 year return on US equities (my largest holding) is about 20%. :happy

chaz
Posts: 13601
Joined: Tue Feb 27, 2007 2:44 pm

Re: [Annual POLL] What was your 2014 return?

Post by chaz » Thu Jan 01, 2015 12:09 pm

6% from a good year.
Chaz | | “Money is better than poverty, if only for financial reasons." Woody Allen | | http://www.bogleheads.org/wiki/index.php/Main_Page

User avatar
Sheepdog
Posts: 5156
Joined: Tue Feb 27, 2007 3:05 pm
Location: Indiana, retired 1998 at age 65

Re: [Annual POLL] What was your 2014 return?

Post by Sheepdog » Thu Jan 01, 2015 12:21 pm

6.41% from an allocation of 23 % stocks (all in Wellesley and Target Income), 20% I Bonds (purchased in 2000 and 2001), and 57% other bonds and cash.
It's not what you gather, but what you scatter which tells what kind of life you have lived---Helen Walton

User avatar
Tortuga
Posts: 115
Joined: Sat Aug 16, 2008 9:51 pm
Location: Houston, Texas

Re: [Annual POLL] What was your 2014 return?

Post by Tortuga » Thu Jan 01, 2015 12:22 pm

For us it was 4.5% in 2014. Tempered by heavy weighting to bonds reflecting low need to take risk.

Tortuga

ProfessorX
Posts: 495
Joined: Mon Jul 04, 2011 12:29 pm

Re: [Annual POLL] What was your 2014 return?

Post by ProfessorX » Thu Jan 01, 2015 12:23 pm

20% Bonds. 11.5% XIRR return.

toto238
Posts: 1880
Joined: Wed Feb 05, 2014 2:39 am

Re: [Annual POLL] What was your 2014 return?

Post by toto238 » Thu Jan 01, 2015 12:30 pm

Roughly 13% on the year. Over 90% in stocks, somewhat tempered by some international exposure through a TR fund.

Right now my "bond exposure" are student loans at 6.55% that I'm paying down.

User avatar
Aptenodytes
Posts: 3751
Joined: Tue Feb 08, 2011 8:39 pm

Re: [Annual POLL] What was your 2014 return?

Post by Aptenodytes » Thu Jan 01, 2015 12:42 pm

This is a less exact way of asking "what is your AA?" You can map AAs to returns (factoring out timing of contributions and withdrawals but surely we don't care about that), but you can't map returns to AAs.

My AA is 56% stocks; 44% other

The stocks are 50% international

The domestic stocks have this M* box (rounded):

11 11 12
11 12 5
19 13 6

The international stocks have this M* box (rounded)

13 13 14
13 13 13
7 7 7

The "other" is

TIAA Traditional 36%
Individual 10-year TIPS 20%
Intermediate Treasury Fund 44%

That combination eked out 4.9% last year.

Quickfoot
Posts: 999
Joined: Fri Jan 11, 2013 1:03 pm

Re: [Annual POLL] What was your 2014 return?

Post by Quickfoot » Thu Jan 01, 2015 12:42 pm

Our 80/20 tilted portfolio returned 10.21% for 2014 and out performed Life Strategy 80/20 (6.96%) significantly. This portfolio is 14% domestic intermediate bond index, 6% international bonds, 25% mid-cap equity, 25% large-cap equity, 20% international equity and 10% REIT (15% total exposure after REITs in the other indexes are added in).

Our eventual income portfolio is 50/50, returned 10.06% and is comprised of 25% intermediate bond index, 12.5% international bonds, 12.5% TIPS, 12.5% mid-cap equity, 12.5% large-cap equity, 12.5% international, and 12.5% REIT (again roughly 15% after REITS in other indexes are added in).

User avatar
Sbashore
Posts: 948
Joined: Wed Feb 20, 2008 10:38 pm
Location: Goodyear, AZ

Re: [Annual POLL] What was your 2014 return?

Post by Sbashore » Thu Jan 01, 2015 12:51 pm

My AA is 30% Total US, 15% Total Intl., 9% REIT, 41% Bonds, 5% Cash.

My return (XIRR) was 7.6%.
Steve | Semper Fi

BogleMe
Posts: 255
Joined: Sat Mar 13, 2010 8:10 pm

Re: [Annual POLL] What was your 2014 return?

Post by BogleMe » Thu Jan 01, 2015 12:56 pm

I stopped caring so much about annual returns when I became an indexer. I'm happy knowing I have the market return, prior to fees, of whatever asset class for which I have the index.

User avatar
Groundhog
Posts: 205
Joined: Mon Oct 24, 2011 7:10 pm

Re: [Annual POLL] What was your 2014 return?

Post by Groundhog » Thu Jan 01, 2015 1:10 pm

Groundhog Annual Report 2014

2014 Return: 4.92%
Asset allocation: 56/44 (actual) 53/47 (plan)
US 69%, Int'l 31% (actual) 67/33 (plan)

US: TSM 65%, TSP C & S Funds: 35% (3:1 ratio C:S)
Int'l: FTSE All World ex US 43%, Total Int'l 41%, TSP I Fund 17%
Bonds: TSP G Fund 75%, Muni 9%, TIPS 7%, Savings Bonds 9%

Weighted average expense ratio: .062%

livesoft
Posts: 62699
Joined: Thu Mar 01, 2007 8:00 pm

Re: [Annual POLL] What was your 2014 return?

Post by livesoft » Thu Jan 01, 2015 1:24 pm

For folks who believe that they cannot beat the indexes, I would say that is true if you buy on 12/31/2013 and hold through the year without rebalancing. I used my 401(k) for rebalancing. I use 4 index funds. Here are the 2014 returns and my returns for each of them in 2014. I did add a little money to this account in the Jan-Mar time frame before I became unemployed. I made no withdrawals. These are MS Money XIRR() returns for LS (livesoft) and for buy & hold (M* and Fidelity):

LS vs B&H
14.12 13.62 FUSVX S&P500 index fund
11.91 07.71 FESVX Extended market index fund
-4.36 -4.40 FGSDX Total Intl index fund
06.02 05.94 FSITX Total US Bond Index fund

In every instance the LS return is higher.
Last edited by livesoft on Thu Jan 01, 2015 1:32 pm, edited 1 time in total.
Wiki This signature message sponsored by sscritic: Learn to fish.

User avatar
just frank
Posts: 1455
Joined: Sun Nov 02, 2014 4:13 pm
Location: Philly Metro

Re: [Annual POLL] What was your 2014 return?

Post by just frank » Thu Jan 01, 2015 1:31 pm

It was a good year to be all US, with a large cap tilt and 85% equities.

Probably never be that lucky again. :?

User avatar
FrugalInvestor
Posts: 4882
Joined: Fri Nov 07, 2008 12:20 am

Re: [Annual POLL] What was your 2014 return?

Post by FrugalInvestor » Thu Jan 01, 2015 1:34 pm

Vanguard reports my personal rate of return for 2014 as 8.5%. I was roughly 50/50 but ended the year at 54/46.
IGNORE the noise! | Our life is frittered away by detail... simplify, simplify. - Henry David Thoreau

jon-nyc
Posts: 925
Joined: Sun Nov 15, 2009 9:02 am
Location: New York

Re: [Annual POLL] What was your 2014 return?

Post by jon-nyc » Thu Jan 01, 2015 1:41 pm

I got 7.38% using XIRR.


I'll take it.

User avatar
nedsaid
Posts: 10314
Joined: Fri Nov 23, 2012 12:33 pm

Re: [Annual POLL] What was your 2014 return?

Post by nedsaid » Thu Jan 01, 2015 2:12 pm

With an approximately 70/30 portfolio, Quicken calculated my Internal Rate of Return at 5.67%. I compared this to the Vanguard 2025 Target Date Retirement fund which returned 7.17%.

Edit: I went into my Excel spreadsheet and did a very simple calculation. I took my 2014 Year End Value and divided it by my 2013 Year End Value plus 2014 contributions. I assumed that all my contributions were made on January 1st, 2014. My returns were 6.80%. Seeing that I made contributions during the year, my returns would have been a little higher.

Edit Number Two: I took my ending 2014 Value and subtracted out my 2014 contributions. I took the resulting number and divided it by the 2013 year end value and came up with 6.95%. This would assume that all my contributions were made on December 31, 2014. So my actual return is probably somewhere between the 6.80% and the 6.95%. :twisted: :twisted: Grrrr. I thought Quicken could handle a calculation like this.

I wrote a detailed post but darn it, I got timed out. Hate when that happens. :twisted: Grrrr.

Here is what I think happened. Vanguard 2025 fund expenses are 0.17%. My estimated portfolio expenses are about 0.50%. Fee drag of 0.33%. Also I have a larger mid-cap/small-cap tilt than the Vanguard fund. My international mid-cap/small caps did poorly. I had an oil stock which is 2% of my portfolio (including not only my individual holding but what is held in my funds) which of course was down. An International Value fund I own did worse that the International Index, it is about 2% of my portfolio. I also hold a cash balance pension that returned a bit over 2% in a year that most bond funds did better than that. I also think there is a difference in the Internal Rate of Return calculation and the Vanguard calculation. For example, I have a one-fund Roth IRA in which the fund returned 6.61% but Quicken calculated the return on that account at only 6.04%. So something is amiss.

Edit: I was right, doing a very simple and conservative calculation my 2014 rate of return was 6.80% and not the 5.67% calculated by Quicken. A big difference.

So my comparison of my IRR calculated by Quicken at 5.67% and the Vanguard 2025 fund return of 7.17% is a bit comparing apples to oranges. But it is clear that I trailed the Vanguard product.

Edit: my actual return exceeded 6.8%, so the small/mid-cap drag plus the small fee drag accounted for the difference.


I was a bit puzzled that I scanned my accounts, looked at my largest holdings and my large holdings performed about as expected. It had mostly to do with my asset mix, particularly small and mid-cap weightings.

But I have to own up that 2014 was disappointing to me, my portfolio trailed the Vanguard 2025 retirement fund. This was not a good year for small/value tilting. My guess is that I underperformed the Vanguard fund by 0.75% taking into account the Quicken effect. Disappointing.
Edit: I did 6.8%, still a tiny bit disappointed but greatly relieved.
Last edited by nedsaid on Thu Jan 01, 2015 4:10 pm, edited 6 times in total.
A fool and his money are good for business.

itstoomuch
Posts: 5343
Joined: Mon Dec 15, 2014 12:17 pm
Location: midValley OR

Re: [Annual POLL] What was your 2014 return?

Post by itstoomuch » Thu Jan 01, 2015 2:16 pm

weighted average +7.68%.
Not bad considering the most is in dVAs. Had a big year + in trading.

64/67 yo.
7.5 aggressiveness on a scale of 1-10.

One more year like 2014 and we can do a "10" on portfolio aggressivess
Rev012718; 4 Incm stream buckets: SS+pension; dfr'd GLWB VA & FI anntys, by time & $$ laddered; Discretionary; Rentals. LTCi. Own, not asset. Tax TBT%. Early SS. FundRatio (FR) >1.1 67/70yo

User avatar
camper
Posts: 852
Joined: Thu Dec 04, 2008 11:51 pm
Location: My side of the mountain

Re: [Annual POLL] What was your 2014 return?

Post by camper » Thu Jan 01, 2015 2:27 pm

XIRR: 6.53%

Portfolio:
20% LCB
20% SCB
8% REIT
16% INT'L LCB
16% INT'L SCB
20% BONDS

livesoft
Posts: 62699
Joined: Thu Mar 01, 2007 8:00 pm

Re: [Annual POLL] What was your 2014 return?

Post by livesoft » Thu Jan 01, 2015 2:43 pm

nedsaid wrote:But I have to own up that 2014 was disappointing to me, my portfolio trailed the Vanguard 2025 retirement fund. This was not a good year for small/value tilting. My guess is that I underperformed the Vanguard fund by 0.75% taking into account the Quicken effect. Disappointing.
I would not diss US small/value so quickly. Here are some returns from Vanguard:
10.55% VSIAX Small-cap value index
07.50% VSMAX Small-cap index
04.02% VSGAX Small-cap growth index
07.56% VEXAX Extended market index

At least the "black hole" of small cap growth re-instated itself. :twisted:

My portfolio was less than 15% US large caps and about 30% International stocks. I got killed, but still beat my DGSIX benchmark.
Wiki This signature message sponsored by sscritic: Learn to fish.

N52570
Posts: 223
Joined: Wed Apr 16, 2014 8:04 pm

Re: [Annual POLL] What was your 2014 return?

Post by N52570 » Thu Jan 01, 2015 2:45 pm

A somewhat, at least to me, very surprising 10.44%

Roughly,

1st Qtr 100/0 5.2%
2nd & 3rd Qtr 65/35 3.7% & -1%
4th Qtr 35/65 2.3%

Was tired of taking everybody else's lousy advice and then paying for it! Found this place and came to my senses late in the 1st Qtr. Starting pulling back for the 2nd -3rd Qtrs. By the 4th qtr I finally realized, thanks to B. Bernstein, I was in lot better shape than I had thought and "why keep playing the game"?


Edited: to fix AA error.
Last edited by N52570 on Sat Jan 03, 2015 5:07 pm, edited 2 times in total.
"Nobody knows nothing"! Raymond

Dario33
Posts: 88
Joined: Mon Jul 02, 2012 10:10 am

Re: [Annual POLL] What was your 2014 return?

Post by Dario33 » Thu Jan 01, 2015 3:04 pm

Came in at just under 10% with a 75/25 split. The US REIT fund helped propel me this year. Otherwise, would likely have been in the 6-8% range.

Greaps
Posts: 11
Joined: Tue Sep 02, 2014 3:43 pm

Re: [Annual POLL] What was your 2014 return?

Post by Greaps » Thu Jan 01, 2015 3:15 pm

Was scared when I saw the topic, but turned out okay @ 9.7%

Did quite a bit of major portfolio moves this year as I learned more about allocations; Currently @ 81.4% stocks, 18.6% bonds.
Stocks: 58.5% Total US Domestic, 41.5% International (with a recent 14.7% tilt toward energy)

Greaps
Posts: 11
Joined: Tue Sep 02, 2014 3:43 pm

Re: [Annual POLL] What was your 2014 return?

Post by Greaps » Thu Jan 01, 2015 3:21 pm

Dario33 wrote:Came in at just under 10% with a 75/25 split. The US REIT fund helped propel me this year. Otherwise, would likely have been in the 6-8% range.
Diversification for the win.

User avatar
LAlearning
Posts: 1365
Joined: Wed May 09, 2012 12:26 pm
Location: Los Angeles

Re: [Annual POLL] What was your 2014 return?

Post by LAlearning » Thu Jan 01, 2015 3:33 pm

I honestly don't have individual year returns. Everything is indexed however.

75:25, 30% of equities in international, 5% REIT tilt.

End result:
livesoft wrote:2014 was a great year.
I know nothing!

rokidtoo
Posts: 391
Joined: Sun Jul 04, 2010 7:53 am

Re: [Annual POLL] What was your 2014 return?

Post by rokidtoo » Thu Jan 01, 2015 3:34 pm

In 2014 I enjoyed a 8.55% return on a 60/40 stock, bond portfolio. My best performing funds were U.S. REITS (VGSLX) and Long Term Treasuries (VUSTX). My worst performing fund was Total International Markets (VTIAX). :beer

User avatar
nedsaid
Posts: 10314
Joined: Fri Nov 23, 2012 12:33 pm

Re: [Annual POLL] What was your 2014 return?

Post by nedsaid » Thu Jan 01, 2015 3:57 pm

livesoft wrote:
nedsaid wrote:But I have to own up that 2014 was disappointing to me, my portfolio trailed the Vanguard 2025 retirement fund. This was not a good year for small/value tilting. My guess is that I underperformed the Vanguard fund by 0.75% taking into account the Quicken effect. Disappointing.
I would not diss US small/value so quickly. Here are some returns from Vanguard:
10.55% VSIAX Small-cap value index
07.50% VSMAX Small-cap index
04.02% VSGAX Small-cap growth index
07.56% VEXAX Extended market index

At least the "black hole" of small cap growth re-instated itself. :twisted:

My portfolio was less than 15% US large caps and about 30% International stocks. I got killed, but still beat my DGSIX benchmark.
Livesoft, I manually recalculated my return. I took the 2014 Ending Portfolio Value and divided it by the 2013 Ending Portfolio Value plus my 2014 contributions and came up with 1.068 or a 6.8% increase for the year. My return was actually a little higher because my contributions were not all made on January 1st, 2014 but throughout the year. I was shocked that Quicken screwed up on what should have been an easy calculation. So I did better than I thought. Whew!!
A fool and his money are good for business.

Lafder
Posts: 3793
Joined: Sat Aug 03, 2013 7:56 pm
Location: East of the Rio Grande

Re: [Annual POLL] What was your 2014 return?

Post by Lafder » Thu Jan 01, 2015 4:03 pm

7.10 - 9.4 % (closer to the 9.4 overall)

That is a close enough estimate for me. I got these return percentages from the Vanguard and Fidelity sites as the one year performance numbers for my overall accounts.

7.10 % 1 year returns. Fidelity (20.78 % of our holdings) AA 57/43 , 25.7% International ((Note just the International is -4.35% for the past year))

9.4% 1 year returns. Vanguard (79.22 % of our holdings) AA 72/28, 27.7 % International ((The International here is - 4.17%))


Your question made me calculate our overall current AA : 68.88/31.11, 27.35 % International, which is close to my desired 70/30, 30, and gives me directions for my next SEP contributions as more International stocks.

best wishes for a Happy New Year to all !!!
lafder

User avatar
vitaflo
Posts: 979
Joined: Sat Sep 03, 2011 3:02 pm

Re: [Annual POLL] What was your 2014 return?

Post by vitaflo » Thu Jan 01, 2015 4:19 pm

7.16%

AA:
25% Int
57% US
18% Bonds

gkaplan
Posts: 7034
Joined: Sat Mar 03, 2007 8:34 pm
Location: Portland, Oregon

Re: [Annual POLL] What was your 2014 return?

Post by gkaplan » Thu Jan 01, 2015 4:45 pm

My 2013 return was 3.32% in a 60/40 equity/fixed income portfolio. My equity portfolio is 40/60 domestic/foreign. My fixed income portfolio is 100% treasuries.
Gordon

User avatar
DR
Posts: 163
Joined: Mon Dec 24, 2007 8:46 am

Re: [Annual POLL] What was your 2014 return?

Post by DR » Thu Jan 01, 2015 4:46 pm

MY XIRR return was 6.65%

I had 77% bonds (intermediate term) and 23% stocks (S&P index).

Bracket
Posts: 417
Joined: Sun Mar 10, 2013 7:50 pm

Re: [Annual POLL] What was your 2014 return?

Post by Bracket » Thu Jan 01, 2015 5:03 pm

Just over 10% XIRR. (80/20)

The good: S&P 500 index fund, SCV index fund
The bad: international
The insane: REIT index fund

bac573
Posts: 74
Joined: Mon Dec 31, 2007 8:04 pm

Re: [Annual POLL] What was your 2014 return?

Post by bac573 » Thu Jan 01, 2015 7:09 pm

Using Modified Dietz method, our return was 6.2%

92% of our total portfolio is in the TSP L2040 fund.
8% remaining is almost evenly split between my Roth (Vanguard TR 2045) and wife's Roth (Vanguard TR 2025)

Any year ending with a positive return is, well, positive.
One thing to know about this town; not a person doesn't want me underground.

mptfan
Posts: 4661
Joined: Mon Mar 05, 2007 9:58 am

Re: [Annual POLL] What was your 2014 return?

Post by mptfan » Thu Jan 01, 2015 7:15 pm

If my return was 7.45%, which option should I select?

User avatar
White Coat Investor
Posts: 13439
Joined: Fri Mar 02, 2007 9:11 pm
Location: Greatest Snow On Earth

Re: [Annual POLL] What was your 2014 return?

Post by White Coat Investor » Thu Jan 01, 2015 7:19 pm

Not the best year for me. I have pretty heavy tilts, and they all worked against me. I was actually beat by my parents' much less risky, but less tilted (and more domestic) portfolio that also benefited from an extremely fortunate rebalancing timetable. Rebalancing in March has worked out ridiculously well for them the last 5 years. Sell in May and go away and all that.

Still, I managed about a 5% real return, which is what I use for retirement projections.
1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course

User avatar
White Coat Investor
Posts: 13439
Joined: Fri Mar 02, 2007 9:11 pm
Location: Greatest Snow On Earth

Re: [Annual POLL] What was your 2014 return?

Post by White Coat Investor » Thu Jan 01, 2015 7:20 pm

cfs wrote: I like what I see on my balance sheet, praise the Lord.
Curious what you do in bear markets.
1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course

User avatar
FreeAtLast
Posts: 640
Joined: Tue Nov 04, 2014 9:08 pm

Re: [Annual POLL] What was your 2014 return?

Post by FreeAtLast » Thu Jan 01, 2015 7:26 pm

Vanguard tells me it was 8.5% (AA of 65/35 s/b).....I could not be happier to enjoy an investing year like this after the wonderful year of 2013....I was really expecting a total market decline in 2014.
Illegitimi non carborundum.

poker27
Posts: 728
Joined: Mon Apr 01, 2013 2:48 pm

Re: [Annual POLL] What was your 2014 return?

Post by poker27 » Thu Jan 01, 2015 8:40 pm

10.7% w/ vanguard in my taxable.
7.5% w/ Fidelity in my 401k.

Both are 80/ w/ around 20% international. Should prolly look into why there is such a delta, most likely I did a great job market timing :)

User avatar
BolderBoy
Posts: 4043
Joined: Wed Apr 07, 2010 12:16 pm
Location: Colorado

Re: [Annual POLL] What was your 2014 return?

Post by BolderBoy » Thu Jan 01, 2015 8:47 pm

Using VG's website, personal performance figure = 7.8% with a 40/60, almost entirely 3 fund portfolio.

Wonderful year...

livesoft
Posts: 62699
Joined: Thu Mar 01, 2007 8:00 pm

Re: [Annual POLL] What was your 2014 return?

Post by livesoft » Thu Jan 01, 2015 8:50 pm

^I looked at Vanguard's web site and the 1-year Personal Performance has an asterisk by Rate of Return.* That says the number is to 11/30/2014 and not to 12/31/2014. Our number is 9.6% which cannot be correct at all.
Wiki This signature message sponsored by sscritic: Learn to fish.

montanagirl
Posts: 966
Joined: Thu Nov 19, 2009 4:55 pm
Location: Montana

Re: [Annual POLL] What was your 2014 return?

Post by montanagirl » Thu Jan 01, 2015 9:02 pm

Not sure about this XIRR business but VG says I got 8.3, which seems pretty good for 40 equities and 5% still in MMkt.

sixty40
Posts: 220
Joined: Sat Dec 06, 2014 11:53 am

Re: [Annual POLL] What was your 2014 return?

Post by sixty40 » Thu Jan 01, 2015 9:12 pm

I was very happy with my returns this year of about 12.5% with a stock/bond/cash asset allocation of 50/41/9 at start of the year and 53/41/6 at year end. Equity funds returned 13.1%, bond funds returned 7.2%, stocks returned 23.8%, and retirement portfolio blend returned 7.8%. I basically got a little lucky that my larger fund holdings did very well and the other holdings that did not do well had smaller amounts. Also my stock holdings did very well as a whole.

Post Reply