What are you up YTD? [Year To Date]
Re: What are you up YTD? [Year To Date]
It's interesting how little asset allocation has mattered so far this year. Here are the year to date returns as of Thursday of popular Bogleheads funds at Vanguard. Haven't checked on yesterday.
Total Bond Market: 0.85%
Target Retirement: -0.63% to 0.34%
LifeStrategy: -0.18% to 0.70%
Wellesley: 0.16%
Wellington: 0.04%
Total Stock Market: 0.10%
Total International Stock: -1.01%
Total World Stock: -0.43%
So any popular basic allocation has returned about the same. Also the same as stuffing it under your mattress. Which makes me mildly annoyed at all the effort I exerted researching asset allocations
Total Bond Market: 0.85%
Target Retirement: -0.63% to 0.34%
LifeStrategy: -0.18% to 0.70%
Wellesley: 0.16%
Wellington: 0.04%
Total Stock Market: 0.10%
Total International Stock: -1.01%
Total World Stock: -0.43%
So any popular basic allocation has returned about the same. Also the same as stuffing it under your mattress. Which makes me mildly annoyed at all the effort I exerted researching asset allocations
- MN-Investor
- Posts: 560
- Joined: Mon May 02, 2011 9:04 am
- Location: Twin Cities
Re: What are you up YTD? [Year To Date]
I'm sure I'm not calculating my YTD change in the approved Boglehead's fashion, but c'est la vie. That's not exactly why I'm posting today.
My husband and I have always been weighted very heavily towards stocks. With my husband looking at retirement in a year at age 62, we have finally transitioned some money into bonds. It was difficult from the standpoint that interest rates will rise at some point and so bond funds will go down. But we listened to the Bogleheads who said that at some point you have to lock in some gains and, when the market goes down - and it will go down - the bond funds won't go down as much. Sure as can be, our portfolio dropped from 7/31. But our bond holdings did not drop at all, they are up a tiny bit. That is a very nice feeling!
BTW, we are up, in total, 1.8% for the year.
My husband and I have always been weighted very heavily towards stocks. With my husband looking at retirement in a year at age 62, we have finally transitioned some money into bonds. It was difficult from the standpoint that interest rates will rise at some point and so bond funds will go down. But we listened to the Bogleheads who said that at some point you have to lock in some gains and, when the market goes down - and it will go down - the bond funds won't go down as much. Sure as can be, our portfolio dropped from 7/31. But our bond holdings did not drop at all, they are up a tiny bit. That is a very nice feeling!
BTW, we are up, in total, 1.8% for the year.
The key to success - Save early, save often, invest well.
-
- Posts: 2892
- Joined: Tue Aug 12, 2008 5:52 pm
- Location: San Diego
Re: What are you up YTD? [Year To Date]
Total portfolio is up 6.6% ytd. I decided two years ago to not buy any more bond funds but didn't sell what I had. I have a fair amount of real estate in the portfolio as well.
364
- market timer
- Posts: 6535
- Joined: Tue Aug 21, 2007 1:42 am
Re: What are you up YTD? [Year To Date]
Up 4% ytd. Getting clobbered in international equities and commodities. Was up much more a couple months ago.
Current alloctation:
25% EM equities
25% Developed int'l equities
15% US equities
15% Long term Treasuries
25% Health care REITs
20% Mortgage REITs
10% Gold
20% Oil
-55% Cash
Current alloctation:
25% EM equities
25% Developed int'l equities
15% US equities
15% Long term Treasuries
25% Health care REITs
20% Mortgage REITs
10% Gold
20% Oil
-55% Cash
Re: What are you up YTD? [Year To Date]
Is the negative cash a margin account?market timer wrote:Up 4% ytd. Getting clobbered in international equities and commodities. Was up much more a couple months ago.
Current alloctation:
25% EM equities
25% Developed int'l equities
15% US equities
15% Long term Treasuries
25% Health care REITs
20% Mortgage REITs
10% Gold
20% Oil
-55% Cash
For the ashes of his fathers, And the temples of his gods. |
Pensions= 2X yearly expenses. Portfolio= 40X yearly expenses.
- market timer
- Posts: 6535
- Joined: Tue Aug 21, 2007 1:42 am
Re: What are you up YTD? [Year To Date]
The negative cash balance reflects positions in short puts and futures. Effectively, it's like margin. I have some cash that will arrive in the next few months to offset much of this negative balance.sergeant wrote:Is the negative cash a margin account?market timer wrote:Up 4% ytd. Getting clobbered in international equities and commodities. Was up much more a couple months ago.
Current alloctation:
25% EM equities
25% Developed int'l equities
15% US equities
15% Long term Treasuries
25% Health care REITs
20% Mortgage REITs
10% Gold
20% Oil
-55% Cash
Re: What are you up YTD? [Year To Date]
After the market close on Friday, am now negative about 1.2%; portfolio is approximately 65% equity (1/3 Int'l), 30% fixed and 5% cash.
I know you think you understand what you thought I said but I'm not sure you realize that what you heard is not what I meant. - Alan Greenspan
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
I can't. I invest every month and dollar cost average. I stopped lump sum buying when BND took a dive a day after a big lump.longinvest wrote:Stay the course and stop watching your portfolio daily. Once a month is plenty enough!
I can look because I don't need my investments for day to day living so drops are not fun but they will not change my life. I hope the 410K crowd doesn't panic and sell as they do every time this happens.
Re: What are you up YTD? [Year To Date]
Taxable account- 13%
Profit sharing Keogh-8%
Roth IRA- 7%
I invest for myself in the stock market. Was 98% cash this week in ym taxable(pensions are 100% cash) until Friday. Now I am 80-85% in cash in taxable.
Profit sharing Keogh-8%
Roth IRA- 7%
I invest for myself in the stock market. Was 98% cash this week in ym taxable(pensions are 100% cash) until Friday. Now I am 80-85% in cash in taxable.
Re: What are you up YTD? [Year To Date]
The market goes from 6.6k to 18.4k. Settles at 17.5k roughly. Drops to 16.5k. Why do you think there has to be a rebound? It might, but it is a tiny correction in the overall scheme of things. People nowadays think that the market can only go up and has to rebound from every drop. People seemed to have learned nothing from the last 2 decades...Bacchus01 wrote:Today was a great day.grettman wrote:...quiet in here today....
Any amount of market recovery after I TLH about $250K worth of investments....will be worth it!
Re: What are you up YTD? [Year To Date]
Well that was quick. I forget what I was up when I first responded to this thread... but as of today (pre-open) I am now down .69% on the year. Vanguard Health Care (VGHAX) and VINEX are holding my portfolio up. Otherwise it'd be much worse. Still, relatively flat YTD is fine with me. It's those huge 2008 style losses that hurt (and yes, I'm prepared for it if it happens again). Much more prepared than last time thanks to this board. Just sayin.
BH Contests: 23 #89 of 607 | 22 #512 of 674 | 21 #66 of 636 |20 #253/664 |19 #233/645 |18 #150/493 |17 #516/647 |16 #121/610 |15 #18/552 |14 #225/503 |13 #383/433 |12 #366/410 |11 #113/369 |10 #53/282
Re: What are you up YTD? [Year To Date]
Because it's naive to think that it won't over the next 30 years.UADM wrote:The market goes from 6.6k to 18.4k. Settles at 17.5k roughly. Drops to 16.5k. Why do you think there has to be a rebound? It might, but it is a tiny correction in the overall scheme of things. People nowadays think that the market can only go up and has to rebound from every drop. People seemed to have learned nothing from the last 2 decades...Bacchus01 wrote:Today was a great day.grettman wrote:...quiet in here today....
Any amount of market recovery after I TLH about $250K worth of investments....will be worth it!
If it doesn't, we have far bigger problems than what our portfolio is doing.
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
-5.04%, -3.05% after taxes. Uncle will still get some of my realized interest and dividends this year no matter what.
- ruralavalon
- Posts: 26352
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
50/50 asset allocation, retired, age 70.
Down 3.40% YTD per Morningstar portfolio manager.
Best this year is Vanguard Intermediate-Term investment-Grade Bond Fund.
Down 3.40% YTD per Morningstar portfolio manager.
Best this year is Vanguard Intermediate-Term investment-Grade Bond Fund.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What are you up YTD? [Year To Date]
Haven't calculated because I have so many different accounts but I'm probably slightly positive thanks to a large allocation to TIAA Traditional.
Back in May I was contemplating "sell in May and go away" until September but decided against it. Investing mistake of the year
At the same time I was considering adding the emerging markets index to supplement Total World Stock but didn't. Investing good decision of the year
You win some, you lose some, and you have no idea which will be which!
Back in May I was contemplating "sell in May and go away" until September but decided against it. Investing mistake of the year
At the same time I was considering adding the emerging markets index to supplement Total World Stock but didn't. Investing good decision of the year
You win some, you lose some, and you have no idea which will be which!
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
That's why we buy everything and take the average, a guarantied average.sawhorse wrote:You win some, you lose some, and you have no idea which will be which!
Re: What are you up YTD? [Year To Date]
-3.1% ytd
Re: What are you up YTD? [Year To Date]
Update = -5.64% for the year.
What hurt much worse though was the crooked front handle on my portfolio ticking over to the next lower number
Not quite at my bond rebalancing band, but if this keeps going for a couple of days......
What hurt much worse though was the crooked front handle on my portfolio ticking over to the next lower number
Not quite at my bond rebalancing band, but if this keeps going for a couple of days......
Re: What are you up YTD? [Year To Date]
Down $118K since last Tuesday. Ouch.
But, lots of TLH and even put another $50K in from cash.
But, lots of TLH and even put another $50K in from cash.
Re: What are you up YTD? [Year To Date]
Down 2.9%. market timer, not to pry but since you offered your allocation, I'm curious how your account is up 4% when each component is down on the year (at least by my guesstimate?)
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
I'm down 2% YTD, that is exactally where I should be; I'm doing it right.
Re: What are you up YTD? [Year To Date]
down 0.98% YTD but my "market" proxy VTI is down 1.93% so I am beating the market
~Moshe
~Moshe
My money has no emotions. ~Moshe |
|
I'm the world's greatest expert on my own opinion. ~Bruce Williams
Re: What are you up YTD? [Year To Date]
A couple of benchmark fund returns from Vanguard YTD:
-1.07% 60/40 VSMGX LIfeStrategy Moderate Growth
-1.72% 80/20 VASGX LifeStrategy Growth
-1.07% 60/40 VSMGX LIfeStrategy Moderate Growth
-1.72% 80/20 VASGX LifeStrategy Growth
Re: What are you up YTD? [Year To Date]
Aaaand, at the end of August, now with some EM as partial completion of the I fund:bayview wrote:at the end of July
Using the wiki referenced above, with all the contributions entered, I get:
portfolio return: 1.84% (YTD figure)
48% Treasury funds (mostly intermediate-term) + G fund
40% total US market + cobbled-together C and S fund
12% total international + I fund (not yet bothering with trying to add in EM and poor neglected Canada)
1 month: -3.19%
3 months: -3.13%
6 months: -2.27%
YTD: -0.50%
My growth of $10,000 chart (only 8 months' worth of data; I need to fill that in some slow day) looks like a dead snake in the road.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri
-
- Posts: 5682
- Joined: Sat Aug 11, 2012 8:44 am
Longinvest's Uniform Returns -- August 2015 edition
I encourage Bogleheads to use the wiki:Calculating personal returns spreadsheet to calculate and report their personal returns in a uniform manner.
Here are my personal portfolio returns* for August 2015.
Asset allocation: 50/50 -- (25% Canadian stocks / 25% ex-Canada stocks / 50% Canadian bonds)
Disclaimer (i): The main reason I participate in this thread is to help Bogleheads learn about properly calculating their personal returns and discover that there are different types of returns (investor vs portfolio vs nonsense). Unfortunately, many investors calculate nonsense returns.
Disclaimer (ii): What is the use of knowing one's personal returns? Not much, as it is a big mistake to project these returns into the future. I only see one interesting use: Discovering that from month to month, past returns vary widely, helping one realize how useless they are. For example, in July, my portfolio's YTD return was 6.16%; in August, it's 2.85%.
* These are not investor (internal, XIRR, money-weighted) or Beardstown Ladies (nonsense) returns.
Here are my personal portfolio returns* for August 2015.
Asset allocation: 50/50 -- (25% Canadian stocks / 25% ex-Canada stocks / 50% Canadian bonds)
Code: Select all
Trailing portfolio return (time-weighted return, comparable return)
Portfolio return as of 8/31/2015
1 month -3.12%
3 months -2.81%
6 months -3.64%
YTD 2.85%
Disclaimer (ii): What is the use of knowing one's personal returns? Not much, as it is a big mistake to project these returns into the future. I only see one interesting use: Discovering that from month to month, past returns vary widely, helping one realize how useless they are. For example, in July, my portfolio's YTD return was 6.16%; in August, it's 2.85%.
* These are not investor (internal, XIRR, money-weighted) or Beardstown Ladies (nonsense) returns.
Variable Percentage Withdrawal (bogleheads.org/wiki/VPW) | One-Fund Portfolio (bogleheads.org/forum/viewtopic.php?t=287967)
Re: What are you up YTD? [Year To Date]
Portfolio return as of 08/31/2015
1 month -5.01%
3 months -5.92%
YTD -2.14%
1 year -2.64%
1 month -5.01%
3 months -5.92%
YTD -2.14%
1 year -2.64%
Re: What are you up YTD? [Year To Date]
To 9/1/2015, YTD total return -0.1%.
However, since I take distributions for expenses in retirement, my portfolio balance is down -2.07% YTD.
However, since I take distributions for expenses in retirement, my portfolio balance is down -2.07% YTD.
Unless you try to do something beyond what you have already mastered you will never grow. (Ralph Waldo Emerson)
Re: What are you up YTD? [Year To Date]
Down 1.3%.
Tim
Tim
Re: What are you up YTD? [Year To Date]
checked this morning while doing month end tracking. Up 2.48%
Re: What are you up YTD? [Year To Date]
now -2.0% ytdsharpjm wrote:-3.1% ytd
after close 08/25/2015
after close 09/01/2015
- randomizer
- Posts: 1547
- Joined: Sun Jul 06, 2014 3:46 pm
Re: What are you up YTD? [Year To Date]
Vanguard web UI is showing a -3.1% return since inception (about 2.5 years ago). Not sure how to get it to show me just YTD.
Doesn't really change anything though as I'll be staying the course.
Doesn't really change anything though as I'll be staying the course.
87.5:12.5, EM tilt — HODL the course!
Re: What are you up YTD? [Year To Date]
Excellent response. If only 100% of forum posters could adhere to this...randomizer wrote:Doesn't really change anything though as I'll be staying the course.
-
- Posts: 143
- Joined: Mon Jan 05, 2015 9:51 pm
Re: What are you up YTD? [Year To Date]
Portfolio return as of 8/31/15
1 month -4.32%
3 months -4.92%
6 months -4.62%
YTD -1.94%
1 month -4.32%
3 months -4.92%
6 months -4.62%
YTD -1.94%
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
DON'T ASK.
Re: What are you up YTD? [Year To Date]
Up 1.65% vs my proxy of Wellsley which is down 2.28%. This excludes my RMD withdrawals. I do not count them in the returns.
Lot's of market timing here, and got lucky Monday a week ago and bought 5 stocks near the bottom of the flash crash, and sold on Thursday.
Did very well in oil last week, by low sell high.
I know this is nuts to do this, and I most likely will get caught sometime, but I do not ever have more than 30% in equities.
This AM, I am 4% equities.
I had previously said I would stay out of the market until fall, but I could no resist the big drop last week. Will most like settle in on intermediate term bonds and tough it out. My goal is eventually 20% equities, if I can avoid the temptation of buying on big dips.
The problem is I am retired and have nothing better to do. I enjoy it (so far).
Dan999
Lot's of market timing here, and got lucky Monday a week ago and bought 5 stocks near the bottom of the flash crash, and sold on Thursday.
Did very well in oil last week, by low sell high.
I know this is nuts to do this, and I most likely will get caught sometime, but I do not ever have more than 30% in equities.
This AM, I am 4% equities.
I had previously said I would stay out of the market until fall, but I could no resist the big drop last week. Will most like settle in on intermediate term bonds and tough it out. My goal is eventually 20% equities, if I can avoid the temptation of buying on big dips.
The problem is I am retired and have nothing better to do. I enjoy it (so far).
Dan999
Dan999
Re: What are you up YTD? [Year To Date]
Portfolio return as of 08/31/2015:
1 month -6.47%
3 months -7.74%
YTD -3.12%
1 year -3.66%
AAis 90/10 with 70/30 US/International. Those numbers don't look too pretty, do they?
1 month -6.47%
3 months -7.74%
YTD -3.12%
1 year -3.66%
AAis 90/10 with 70/30 US/International. Those numbers don't look too pretty, do they?
Re: What are you up YTD? [Year To Date]
As of 8/31/2015, -0.9%. I think. My 401k loan repayment might be skewing the numbers.
For comparison, AOM is -2.6%, and AOR is -3.0%.
For comparison, AOM is -2.6%, and AOR is -3.0%.
- TomatoTomahto
- Posts: 17158
- Joined: Mon Apr 11, 2011 1:48 pm
Re: What are you up YTD? [Year To Date]
On my Vanguard (mostly taxable accounts), down 2.6% as of today. Too lazy to include other accounts; easy to look up Vanguard.
I get the FI part but not the RE part of FIRE.
Re: What are you up YTD? [Year To Date]
If you're still contributing to your 401k, include your loan repayment with the contributions. (You're using longinvest's calculator referenced above, right?)Gecko10x wrote:As of 8/31/2015, -0.9%. I think. My 401k loan repayment might be skewing the numbers.
For comparison, AOM is -2.6%, and AOR is -3.0%.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri
Re: What are you up YTD? [Year To Date]
Too funny. My trading account is up precisely 1% YTD. Better than a poke in the eye, but worse than any of my IRA CDs, and not much better than a garden-variety savings account. Retirement accounts? Don't ask.
I think the wife finally appreciates that retail IRA CDs are, actually, cash, never go down in nominal value, and can actually be spent in retirement.
I think the wife finally appreciates that retail IRA CDs are, actually, cash, never go down in nominal value, and can actually be spent in retirement.
Re: What are you up YTD? [Year To Date]
CurrentMonth -2.07% (I guess that's only 2 days?)
3mo -7.83%
6mo -7.07%
YTD -4.27%
80/20 mix
80 = 40 Large Cap Index, 25 International Index, 15 small cap index
20 = Bond Index
all low ER's (less than .04)
Seems a little bad compared to others but I guess not too bad.....
3mo -7.83%
6mo -7.07%
YTD -4.27%
80/20 mix
80 = 40 Large Cap Index, 25 International Index, 15 small cap index
20 = Bond Index
all low ER's (less than .04)
Seems a little bad compared to others but I guess not too bad.....
Re: What are you up YTD? [Year To Date]
Should this thread title be changed to "What are you down YTD?"
-
- Posts: 2799
- Joined: Tue Dec 04, 2012 10:05 pm
Re: What are you up YTD? [Year To Date]
0% YTD. I just lost 8 months of compounding.
Re: What are you up YTD? [Year To Date]
I don't have a clue ,but I do know the portfolio has grown more than substantially since March 2009.
(S&P-666)
I try to keep things in perspective.
The glass is "Half Full"
(S&P-666)
I try to keep things in perspective.
The glass is "Half Full"
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee
Re: What are you up YTD? [Year To Date]
-0.15%
Thanks to longinvest for this great spreadsheet:
Edit: Here is my AA:
I'm fairly certain I have accounted for all my contributions in the first chart, but it seems like I may be underestimating my loss YTD given my AA.
Thanks to longinvest for this great spreadsheet:
Edit: Here is my AA:
I'm fairly certain I have accounted for all my contributions in the first chart, but it seems like I may be underestimating my loss YTD given my AA.
Last edited by jasc15 on Sun Sep 06, 2015 1:47 pm, edited 1 time in total.
- ruralavalon
- Posts: 26352
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
50/50 asset allocation, retired, age 70.
Down 2.93% YTD per Morningstar portfolio manager.
Only positive YTD is 1.41% for Vanguard Intermediate-Term investment-Grade Bond Fund.
Down 2.93% YTD per Morningstar portfolio manager.
Only positive YTD is 1.41% for Vanguard Intermediate-Term investment-Grade Bond Fund.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
- Midwest_Investor
- Posts: 237
- Joined: Thu Oct 09, 2008 8:44 pm
Re: What are you up YTD? [Year To Date]
down about 4% ytd.
-
- Posts: 2892
- Joined: Tue Aug 12, 2008 5:52 pm
- Location: San Diego
Re: What are you up YTD? [Year To Date]
I am down 4.2% in my investments ytd. I did the math today and did not realize that only 12% of my net worth is in the market so I am relatively little affected by this. My net worth is up 6% ytd due to real estate.
Last edited by travellight on Mon Sep 07, 2015 2:24 pm, edited 1 time in total.
364
Re: What are you up YTD? [Year To Date]
-3% 80/20 +20% international.