Have you included your employer's contributions (if any)? Forgetting to include them inflates the rate of return.jasc15 wrote: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.
What are you up YTD? [Year To Date]
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- Joined: Sat Aug 11, 2012 8:44 am
Re: What are you up YTD? [Year To Date]
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]
I knew I must be missing something. Thanks.longinvest wrote:Have you included your employer's contributions (if any)? Forgetting to include them inflates the rate of return.jasc15 wrote: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.
Edit: The numbers didn't change much, but I realized I have none of September in there yet. As you know, your spreadsheet calculates monthly.
Last edited by jasc15 on Wed Sep 09, 2015 2:16 pm, edited 1 time in total.
Re: What are you up YTD? [Year To Date]
-2.91% YTD.
Portfolio: 60/40 stocks/bonds
Portfolio: 60/40 stocks/bonds
Re: What are you up YTD? [Year To Date]
Negative 2.9% YTD, also.
Portfolio is approx. 7% cash, 30% fixed and 63% equity, with the last split 2/3 domestic and 1/3 int'l.
Portfolio is approx. 7% cash, 30% fixed and 63% equity, with the last split 2/3 domestic and 1/3 int'l.
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
Re: What are you up YTD? [Year To Date]
As of Friday, Sept. 3rd:
Down 2.96%
70/30 AA
Down 2.96%
70/30 AA
Re: What are you up YTD? [Year To Date]
With contributions -1.5%
Without contributions -4.2%
I'm 100/0 equity/bond. Overall it's looking like my 2011 all over again.
Without contributions -4.2%
I'm 100/0 equity/bond. Overall it's looking like my 2011 all over again.
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
A few percent more than I was this morning.
Re: What are you up YTD? [Year To Date]
Interesting observation. Whether someone is "up" or "down" depends on aggregating and allocation. Folks often consider "stocks and bonds" as the only assets to be considered as to whether one is "up or down", when it's much more complex. For example, are your assets "up" or "down" in nominal or real terms. Are your assets liquid, subject to minimal transaction costs, or relatively illiquid, subject to the vagaries of the market and third-party fees (think real estate)*. Are your assets subject to tax on sale, and, if so, at what amount? Compare assets in a Roth IRA and a TIRA. Or appreciated assets with no tax due to favorable tax laws. Or are you "up" 6% in an investment in some foreign land, but must "convert" those gains both to after-tax local and then to $US?travellight wrote: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.
As they say, "it gets complicated."
*For example, the gent who bought my Mom's house back in early 2014 no doubt thought he'd made a killing. Then, after plopping well into the six-figures in repairs and upgrades, and a year-and-a-half later, I suspect he might have difficulty justifying his investment.
- ruralavalon
- Posts: 26353
- 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 2.16% YTD per Morningstar portfolio manager.
Only positive YTD is 1.02% for Vanguard Intermediate-Term investment-Grade Bond Fund.
Down 2.16% YTD per Morningstar portfolio manager.
Only positive YTD is 1.02% 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
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
At this point in time I'm up 8 bases points for the trailing year. Posting wile I'm hot.
Re: What are you up YTD? [Year To Date]
-4% on 401k, - 4.8 % on brokerage (that includes fees). I know I need to make some changes
Re: What are you up YTD? [Year To Date]
XIRR of -2.60%
Portfolio increased by 17.33%
Saved 43.51% of income.
40% US Stocks
19% Intl Stocks
31% Bonds
10% Alternative Investments (Physical Gold/Silver, HF)
Portfolio increased by 17.33%
Saved 43.51% of income.
40% US Stocks
19% Intl Stocks
31% Bonds
10% Alternative Investments (Physical Gold/Silver, HF)
Last edited by jaj2276 on Thu Sep 24, 2015 8:18 am, edited 1 time in total.
Re: What are you up YTD? [Year To Date]
Down 5.5% on a 90/10 portfolio, 50/50 US/Foreign on the equity side.
Re: What are you up YTD? [Year To Date]
Up 1.6% ytd (excluding contributions)
Approx:
30% TIAA Trad (~4.3% guaranteed)
40% Stocks
30% TREA
Gotta love the TREA!
Approx:
30% TIAA Trad (~4.3% guaranteed)
40% Stocks
30% TREA
Gotta love the TREA!
Re: What are you up YTD? [Year To Date]
Gotta love TIAA CREF! Best decision of the year was to put a third of my retirement portfolio into TIAA Traditional and another 5-10% in TREA despite lots of people thinking that's too conservative for my age (mid 30s). It's kept me calm during this rough time.szmaine wrote:Up 1.6% ytd (excluding contributions)
Approx:
30% TIAA Trad (~4.3% guaranteed)
40% Stocks
30% TREA
Gotta love the TREA!
My Vanguard Roth (Target 2045) is down from $5500 to $5000 I really wish I had made periodic contributions spread over the year instead of "getting it out of the way" in the spring. Lesson learned for 2016.
- Uncle Pennybags
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- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
Down 2%; foreign stocks, wile only 20% of my 60/40 holdings, account for 1/2 the loss.
- zaboomafoozarg
- Posts: 2431
- Joined: Sun Jun 12, 2011 12:34 pm
Re: What are you up YTD? [Year To Date]
Lump summing in January has been the better choice approximately 2/3 of the time.sawhorse wrote:My Vanguard Roth (Target 2045) is down from $5500 to $5000 I really wish I had made periodic contributions spread over the year instead of "getting it out of the way" in the spring. Lesson learned for 2016.
- zaboomafoozarg
- Posts: 2431
- Joined: Sun Jun 12, 2011 12:34 pm
Re: What are you up YTD? [Year To Date]
Not sure of the actual percentages, but my net worth has stayed roughly the same for 5 months despite investing $3-4k per month.
After 7 years of valuation increases (in US stocks at least), It's oddly kind of refreshing that things are going down a little bit.
After 7 years of valuation increases (in US stocks at least), It's oddly kind of refreshing that things are going down a little bit.
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Longinvest's Uniform Returns -- September 2015 edition
Here are my personal portfolio returns* for September 2015.
Target asset allocation: 50/50 -- (25% Canadian stocks / 25% ex-Canada stocks / 50% Canadian bonds)
Trailing portfolio returns (time-weighted returns, comparable returns)
Portfolio returns as of 9/30/2015
1 month -1.88%
3 months -2.86%
6 months -4.57%
YTD 0.92%
I encourage Bogleheads to use the wiki:Calculating personal returns spreadsheet to calculate and report their personal returns in a uniform manner.
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.
* These are not investor (internal, XIRR, money-weighted) or Beardstown Ladies (nonsense) returns.
Target asset allocation: 50/50 -- (25% Canadian stocks / 25% ex-Canada stocks / 50% Canadian bonds)
Trailing portfolio returns (time-weighted returns, comparable returns)
Portfolio returns as of 9/30/2015
1 month -1.88%
3 months -2.86%
6 months -4.57%
YTD 0.92%
I encourage Bogleheads to use the wiki:Calculating personal returns spreadsheet to calculate and report their personal returns in a uniform manner.
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.
* 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]
45% single stock, remainder currently split 82/18 sliced and diced
Trailing portfolio returns (time-weighted returns, comparable returns)
Portfolio returns as of 9/30/2015
1 month -1.24%
3 months -3.04%
6 months 3.20%
YTD 4.52%
Trailing portfolio returns (time-weighted returns, comparable returns)
Portfolio returns as of 9/30/2015
1 month -1.24%
3 months -3.04%
6 months 3.20%
YTD 4.52%
- Uncle Pennybags
- Posts: 1835
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Re: Longinvest's Uniform Returns -- September 2015 edition
If it wasn't for "nonsense" this would be one boring site. Carry on.longinvest wrote: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.
Re: What are you up YTD? [Year To Date]
Target asset allocation 80% stocks, 20% bonds. Core Four portfolio, sliced and diced due to limited funds availability in 401k.
Portfolio return as of 9/30/2015
1 month -2.31%
3 months -6.43%
6 months -5.43%
YTD -3.79%
Nothing to see here, stay the course, move along.
Portfolio return as of 9/30/2015
1 month -2.31%
3 months -6.43%
6 months -5.43%
YTD -3.79%
Nothing to see here, stay the course, move along.
Re: What are you up YTD? [Year To Date]
Target allocation:
50% Treasuries (G fund + mostly intermediate Treasury fund)
50% equities (3:1 total US + C fund + S fund : total international + I fund + EM)
Currently 52% bonds/48% equities; no rebalancing done except by Mr. Market
Per Longinvest's spreadsheet in the wiki:
Portfolio return as of 9/30/15
1 month -1.33%
3 months -3.60%
6 months -3.42%
YTD -1.82%
1 year -0.35%
Annoying, but that's how this stuff works.
50% Treasuries (G fund + mostly intermediate Treasury fund)
50% equities (3:1 total US + C fund + S fund : total international + I fund + EM)
Currently 52% bonds/48% equities; no rebalancing done except by Mr. Market
Per Longinvest's spreadsheet in the wiki:
Portfolio return as of 9/30/15
1 month -1.33%
3 months -3.60%
6 months -3.42%
YTD -1.82%
1 year -0.35%
Annoying, but that's how this stuff works.
The continuous execution of a sound strategy gives you the benefit of the strategy. That's what it's all about. --Rick Ferri
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Re: Longinvest's Uniform Returns -- September 2015 edition
I especially like it when the nonsense is clever.Uncle Pennybags wrote:If it wasn't for "nonsense" this would be one boring site. Carry on.longinvest wrote: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.
As far as how much I am down year to date, it's a lot. I don't want to calculate the percentage. I have a slightly aggressive portfolio.
Re: What are you up YTD? [Year To Date]
This is what I get from the 401K site.
Valid Dates are from the first day of July 2014 through the last day of September 2015
1 Yr. +1.25%
3 months -2.76
Your personal rate of return for September 1, 2015 through September 30, 2015 is -1.38%
During this time, I engaged in market timing by changing my AA a few times. Just confused, but not intentionally market timing.
Currently 65% Vanguard Institutional Index fund and 35% Blackrock U.S. Debt Index
Valid Dates are from the first day of July 2014 through the last day of September 2015
1 Yr. +1.25%
3 months -2.76
Your personal rate of return for September 1, 2015 through September 30, 2015 is -1.38%
During this time, I engaged in market timing by changing my AA a few times. Just confused, but not intentionally market timing.
Currently 65% Vanguard Institutional Index fund and 35% Blackrock U.S. Debt Index
Last edited by stemikger on Sun Oct 04, 2015 6:11 pm, edited 1 time in total.
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!
Re: What are you up YTD? [Year To Date]
Down 4.6% with 80% equities. Health Care helps but Emerging Markets drags it down even more.
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
I'm down for the year but I'm beating the S&P 500.
REITs made a comeback. If it wasn't for foreign I'd be up.
REITs made a comeback. If it wasn't for foreign I'd be up.
- ruralavalon
- Posts: 26353
- 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 1.75% YTD per Morningstar portfolio manager.
Only positive YTD is 2.17% for Vanguard Intermediate-Term investment-Grade Bond Fund.
Down 1.75% YTD per Morningstar portfolio manager.
Only positive YTD is 2.17% 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
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Re: What are you up YTD? [Year To Date]
I have about the same equity/bond mix and also about the same returns that longinvest describes, I am using his spreadsheet and I really like it.
Especially with the Vanguard accounts, it literally takes a minute to enter the data every month (you just have to check "balances over time" in the table view and enter your balance and the contributions for the month).
In our case, the other retirement accounts are a bit more difficult, as you need the balance at the change of the month and if your forget to check the balance around the turn of the month, that number is more difficult to get.
Especially with the Vanguard accounts, it literally takes a minute to enter the data every month (you just have to check "balances over time" in the table view and enter your balance and the contributions for the month).
In our case, the other retirement accounts are a bit more difficult, as you need the balance at the change of the month and if your forget to check the balance around the turn of the month, that number is more difficult to get.
Re: What are you up YTD? [Year To Date]
I am down between 5-11% across my old 401Ks and IRAs.
Considering this, I have increased my contribution to max allowed by 401K (45%), filled me IRA allowance for the year, decreased my considerable student loan payments, and will do a mega backdoor for my 401K.
Considering this, I have increased my contribution to max allowed by 401K (45%), filled me IRA allowance for the year, decreased my considerable student loan payments, and will do a mega backdoor for my 401K.
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- Location: North Carolina
Re: What are you up YTD? [Year To Date]
down -1.53% with 37/63% equity/fixed income AA as of 10/1/15
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- Posts: 426
- Joined: Fri Sep 12, 2014 11:23 pm
Re: What are you up YTD? [Year To Date]
Up 1.48%
All of the assets here are in IRAs. It took me awhile to whittle my positions down to the following eight ETFs, plus a couple of CDs. Here's the current AA shown for each:
iShares Barclays Aggregate Bond Index (AGG): 39.92%
Vanguard Total World Index (VT): 27.62%
Vanguard Value Index (VTV): 9.93%
Vanguard Total Stock Market Index (VTI): 8.88%
Vanguard Total International ex-US (VXUS): 5.39%
iShares Developed International Value Index (EFV): 2.00%
Vanguard Emerging Markets Index (VWO): 1.46%
Vanguard International Real Estate (VNQI): 0.66%
Certificates of Deposit (all at 0.55% interest rate, matures August 2016): 4.14%
Total fixed income allocation is 44.06%
Total U.S. equity allocation (including 52% of the Vanguard Total World ETF): 33.17%
Total international equity allocation (including 48% of Vanguard Total World): 22.11%
REIT (VNQI): 0.66%
I am not planning to sell off any these positions, though when the CDs mature I'll split the proceeds between AGG and VTI. Going forward, I don't plan to add to Emerging Markets (VWO) or International Value (EFV). Now that I've developed an AA which is consistent with my goal and mission for these invested funds, I'd like to stick with it.
All of the assets here are in IRAs. It took me awhile to whittle my positions down to the following eight ETFs, plus a couple of CDs. Here's the current AA shown for each:
iShares Barclays Aggregate Bond Index (AGG): 39.92%
Vanguard Total World Index (VT): 27.62%
Vanguard Value Index (VTV): 9.93%
Vanguard Total Stock Market Index (VTI): 8.88%
Vanguard Total International ex-US (VXUS): 5.39%
iShares Developed International Value Index (EFV): 2.00%
Vanguard Emerging Markets Index (VWO): 1.46%
Vanguard International Real Estate (VNQI): 0.66%
Certificates of Deposit (all at 0.55% interest rate, matures August 2016): 4.14%
Total fixed income allocation is 44.06%
Total U.S. equity allocation (including 52% of the Vanguard Total World ETF): 33.17%
Total international equity allocation (including 48% of Vanguard Total World): 22.11%
REIT (VNQI): 0.66%
I am not planning to sell off any these positions, though when the CDs mature I'll split the proceeds between AGG and VTI. Going forward, I don't plan to add to Emerging Markets (VWO) or International Value (EFV). Now that I've developed an AA which is consistent with my goal and mission for these invested funds, I'd like to stick with it.
Re: What are you up YTD? [Year To Date]
I got curious after reading some of these replies and was surprised to find that with a 70/30 equivalent portfolio, I'm almost dead even at -0.1%. The reason is my big winners are TIAA Real estate (+6.2%) and TIAA Traditional (+2.8%). My big losers are emerging markets (FPMAX -11.5%) and my small cap index (TISBX -4.8%).
Re: What are you up YTD? [Year To Date]
Of your top 5 holdings only one has a positive YTD return, and that is AGG, which is +1.0%. The other four are all down by 3 to 7%. So how did you end up in positive territory? Did you move money from equities to fixed income at the market peak?Seattlenative wrote:Up 1.48%
All of the assets here are in IRAs. It took me awhile to whittle my positions down to the following eight ETFs, plus a couple of CDs. Here's the current AA shown for each:
iShares Barclays Aggregate Bond Index (AGG): 39.92%
Vanguard Total World Index (VT): 27.62%
Vanguard Value Index (VTV): 9.93%
Vanguard Total Stock Market Index (VTI): 8.88%
Vanguard Total International ex-US (VXUS): 5.39%
iShares Developed International Value Index (EFV): 2.00%
Vanguard Emerging Markets Index (VWO): 1.46%
Vanguard International Real Estate (VNQI): 0.66%
Certificates of Deposit (all at 0.55% interest rate, matures August 2016): 4.14%
Kolea (pron. ko-lay-uh). Golden plover.
- ruralavalon
- Posts: 26353
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
We are out of the hole YTD .
50/50 asset allocation, retired, age 70.
Up 0.26% YTD per Morningstar portfolio manager.
Most positive YTD is 1.88% for Vanguard Intermediate-Term investment-Grade Bond Fund. Vanguard REIT Index Fund is up 0.22%.
50/50 asset allocation, retired, age 70.
Up 0.26% YTD per Morningstar portfolio manager.
Most positive YTD is 1.88% for Vanguard Intermediate-Term investment-Grade Bond Fund. Vanguard REIT Index Fund is up 0.22%.
"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]
Per Morningstar Portfolio Tracker: +2.62% YTD as of 10/8/15. (Morningstar US index is -2.10% YTD).
Most of the outperformance came from market timing (buying on dips) and adjusting AA. For instance, with oil and energy getting ridiculously pummeled all summer, I had bought in on the cheap and incrementally increased my energy holdings until it reached 35% of total portfolio; with this week's rally I've pared it back down to ~20% to lock in some nice gains. I had also exchanged all bond holdings to buy stocks during/after the August correction, so this week I reduced some stocks to bring bonds up to ~20% as dry powder for the next dip. Today the portfolio stands at:
PRIMECAP Odyssey Stock 17.45%
Vanguard Dividend Growth Inv 10.14%
Vanguard Energy Inv 20.46%
Vanguard Health Care Inv 9.60%
Vanguard Total Bond Market Index Adm 22.08%
Vanguard Total Intl Stock Index Admiral 10.26%
Vanguard Total Stock Mkt Idx Adm 10.02%
Still underweight in international, so I'm waiting for the next round of bad news from China so that EM will go on sale even more!
Most of the outperformance came from market timing (buying on dips) and adjusting AA. For instance, with oil and energy getting ridiculously pummeled all summer, I had bought in on the cheap and incrementally increased my energy holdings until it reached 35% of total portfolio; with this week's rally I've pared it back down to ~20% to lock in some nice gains. I had also exchanged all bond holdings to buy stocks during/after the August correction, so this week I reduced some stocks to bring bonds up to ~20% as dry powder for the next dip. Today the portfolio stands at:
PRIMECAP Odyssey Stock 17.45%
Vanguard Dividend Growth Inv 10.14%
Vanguard Energy Inv 20.46%
Vanguard Health Care Inv 9.60%
Vanguard Total Bond Market Index Adm 22.08%
Vanguard Total Intl Stock Index Admiral 10.26%
Vanguard Total Stock Mkt Idx Adm 10.02%
Still underweight in international, so I'm waiting for the next round of bad news from China so that EM will go on sale even more!
Re: What are you up YTD? [Year To Date]
60/40 portfolio - this week's increase in equities has returned my YTD rate to 0%.
- market timer
- Posts: 6535
- Joined: Tue Aug 21, 2007 1:42 am
Re: What are you up YTD? [Year To Date]
Up 10% ytd. Still have this allocation:
market timer wrote: 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
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
I'm up 20%.market timer wrote:Up 10% ytd. Still have this allocation:
Re: What are you up YTD? [Year To Date]
Uncle Pennybags, Oct 2 wrote:I'm down for the year but I'm beating the S&P 500.
REITs made a comeback. If it wasn't for foreign I'd be up.
That must have been quite a week since your previous post.Uncle Pennybags, Oct 10 wrote:I'm up 20%.
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Re: What are you up YTD? [Year To Date]
I'm pretty flat--probably somewhere in the 0%<x<1% range, probably somewhere in the ballpark of 75/25 AA. I'm happy to be back to even.
Don't do something. Just stand there!
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Re: What are you up YTD? [Year To Date]
Down 1% in Schwab account YTD.
Down .25% in Vanguard account YTD.
Have been saving aggressively over past year. Dollar cost averaging and apparently buying "high."
Down .25% in Vanguard account YTD.
Have been saving aggressively over past year. Dollar cost averaging and apparently buying "high."
Re: What are you up YTD? [Year To Date]
About 0% to +0.5 %.
My IPS allows some market timing. (+/- 10%).
On Jan 1, I was 85/15%. About 78/22% in May.
I was selling stocks in May and have been buying for the last 2 months. Currently 88/ 12% (within the IPS allowance)
My IPS allows some market timing. (+/- 10%).
On Jan 1, I was 85/15%. About 78/22% in May.
I was selling stocks in May and have been buying for the last 2 months. Currently 88/ 12% (within the IPS allowance)
Ram
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Re: What are you up YTD? [Year To Date]
Excellent! Sounds like you are well diversified then. An indicator of that is one of your holdings always seems to be frustrating Or another way to put it, you are likely never happy with all of them at the same time!boo-yah wrote:I got curious after reading some of these replies and was surprised to find that with a 70/30 equivalent portfolio, I'm almost dead even at -0.1%. The reason is my big winners are TIAA Real estate (+6.2%) and TIAA Traditional (+2.8%). My big losers are emerging markets (FPMAX -11.5%) and my small cap index (TISBX -4.8%).
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Re: What are you up YTD? [Year To Date]
50/50 allocation
Quicken reports ROI (%) YTD as +3.1%
Quicken reports ROI (%) YTD as +3.1%
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- Joined: Fri Sep 12, 2014 11:23 pm
Re: What are you up YTD? [Year To Date]
Actually, yes, I moved a lot over to fixed income. When at the end of July I moved my two Schwab IRAs to TD Ameritrade at the end of July, I kept my Vanguard ETFs but sold most of my Schwab ETF positions. It was an inadvertent case of market timing. Once the Schwab assets were transferred, I slowly used dollar-cost averaging to invest in the commission-free Vanguard and iShares ETFs at TD Ameritrade. The dollar-cost averaging during that time when I had uninvested cash within the IRAs during a low point in the markets doubtless helped boost the rate of return, along with the dividend reinvestment.TwoByFour wrote:Of your top 5 holdings only one has a positive YTD return, and that is AGG, which is +1.0%. The other four are all down by 3 to 7%. So how did you end up in positive territory? Did you move money from equities to fixed income at the market peak?Seattlenative wrote:Up 1.48%
All of the assets here are in IRAs. It took me awhile to whittle my positions down to the following eight ETFs, plus a couple of CDs. Here's the current AA shown for each:
iShares Barclays Aggregate Bond Index (AGG): 39.92%
Vanguard Total World Index (VT): 27.62%
Vanguard Value Index (VTV): 9.93%
Vanguard Total Stock Market Index (VTI): 8.88%
Vanguard Total International ex-US (VXUS): 5.39%
iShares Developed International Value Index (EFV): 2.00%
Vanguard Emerging Markets Index (VWO): 1.46%
Vanguard International Real Estate (VNQI): 0.66%
Certificates of Deposit (all at 0.55% interest rate, matures August 2016): 4.14%
However, those hefty TD Ameritrade new-account bonuses into both the Roth and Traditional IRAs skewed the numbers, and I need to correct this. My YTD return on that day excluding the bonuses would have been 1.30%, not 1.48%. I apologize for this specific error.
As of today, excluding the value of the TDA new-account bonuses, my IRAs are now up by 2.20% YTD.
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- Joined: Fri Sep 12, 2014 11:23 pm
Re: What are you up YTD? [Year To Date]
YTD (excluding new-account bonuses from TD Ameritrade): 2.20%, which reflects some rebalancing and moving funds away from cash. Here's my updated AA, and cost basis performance for my current positions many of which I haven't held all of this year:
39.44% of AA: iShares Barclays Aggregate Bond Index (AGG): Up 0.42%
27.87% of AA: Vanguard Total World Index (VT): Down 0.89%
9.97% of AA: Vanguard Value Index (VTV): Up 0.09%
8.97% of AA: Vanguard Total Stock Market Index (VTI): Up 6.62%
5.47% of AA: Vanguard Total International ex-US (VXUS): Down 2.86%
2.04% of AA: iShares Developed International Value Index (EFV): Down 2.04%
1.49% of AA: Vanguard Emerging Markets Index (VWO): Down 0.75%
0.66% of AA: Vanguard International Real Estate (VNQI): Down 3.41%
4.09% of AA: Certificates of Deposit (all at 0.55% interest rate, matures August 2016): n/a
39.44% of AA: iShares Barclays Aggregate Bond Index (AGG): Up 0.42%
27.87% of AA: Vanguard Total World Index (VT): Down 0.89%
9.97% of AA: Vanguard Value Index (VTV): Up 0.09%
8.97% of AA: Vanguard Total Stock Market Index (VTI): Up 6.62%
5.47% of AA: Vanguard Total International ex-US (VXUS): Down 2.86%
2.04% of AA: iShares Developed International Value Index (EFV): Down 2.04%
1.49% of AA: Vanguard Emerging Markets Index (VWO): Down 0.75%
0.66% of AA: Vanguard International Real Estate (VNQI): Down 3.41%
4.09% of AA: Certificates of Deposit (all at 0.55% interest rate, matures August 2016): n/a
Re: What are you up YTD? [Year To Date]
Hard to interpret the answers, as it varies on day per day basis and recent volatility has been fairly high.
My AA is down 0.23%. Don't know about my actual savings, I only do the math once a year (always a bit complicated as I have some churn in my various accounts, rebalancing, TLH, lump sums, etc).
My AA is down 0.23%. Don't know about my actual savings, I only do the math once a year (always a bit complicated as I have some churn in my various accounts, rebalancing, TLH, lump sums, etc).
- Uncle Pennybags
- Posts: 1835
- Joined: Tue Oct 28, 2014 2:05 am
Re: What are you up YTD? [Year To Date]
I thought we were playing Fantasy Island. In real life I'm down $14.89 year to date.Tanelorn wrote:Uncle Pennybags, Oct 2 wrote:I'm down for the year but I'm beating the S&P 500.
REITs made a comeback. If it wasn't for foreign I'd be up.That must have been quite a week since your previous post.Uncle Pennybags, Oct 10 wrote:I'm up 20%.
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- Joined: Fri Sep 12, 2014 11:23 pm
Re: What are you up YTD? [Year To Date]
Over the centuries, equity markets have consistently exhibited periods of greater-than-average volatility, as well as the phenomena we know as bull markets and bear markets. For most of the history of equity markets, investors did not have the option of what we now call an "index fund", though they could attempt to assemble (at substantial commission costs) a portfolio of stock and bond positions which would attempt to capture the overall performance of the market as a whole. However, such an endeavor would not be practical for most individuals due not only to commission costs but also in some cases due to many broker-dealers not wanting to handle "odd lot" purchases involving a tiny number of shares.
For most of us mere mortals, it's frustrating to benchmark our investment performance over a relatively short timespan in which above-average market volatility has occurred. Much of Wall Street publicly scoffs at buy-and-hold Index fund investing, but that's because buy-and-hold is not nearly as profitable for the broker-dealer as the account of an active-trader or the buyer of high-expense-ratio load mutual funds.
For most of us mere mortals, it's frustrating to benchmark our investment performance over a relatively short timespan in which above-average market volatility has occurred. Much of Wall Street publicly scoffs at buy-and-hold Index fund investing, but that's because buy-and-hold is not nearly as profitable for the broker-dealer as the account of an active-trader or the buyer of high-expense-ratio load mutual funds.