What are you up YTD? [Year To Date]

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AerialWombat
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Re: What are you up YTD? [Year To Date]

Post by AerialWombat » Wed Jan 02, 2019 10:05 pm

Between market returns, real property appreciation, and new money, my overall net worth increased 442% in 2018.

Oh, you meant just market returns, only in securities? Down about 1% or so. I’m not going to calculate it exactly, because it doesn’t really matter. Ya’ll Bogleheads taught me that in 2018.
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TroyMcClure
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Re: What are you up YTD? [Year To Date]

Post by TroyMcClure » Thu Jan 03, 2019 4:46 am

I'm a European investor invested in a mix of international- and Euro-focused stock funds and bond funds. A lot of my portfolio is therefore what you would call "international"/foreign funds on this board.
AA is 70% stock and 30% bonds (15% EU, 15% global).

2018 IRR was -5.6%, which makes me happy. In my current position as a buyer of stock, I'm hoping for further negative returns i.e. lower prices in 2019.

bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf » Thu Jan 03, 2019 7:29 am

smitty1515 wrote:
Wed Jan 02, 2019 8:44 pm
WhiteMaxima wrote:
Wed Jan 02, 2019 1:54 pm
Any BH with 100/0 AA? What's your return in 2018?
-11%
-13.3%
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

carolinaman
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Re: What are you up YTD? [Year To Date]

Post by carolinaman » Thu Jan 03, 2019 8:14 am

-1.7 on 45/55 AA. Last 3 months were much worse than that but earlier gains offset most of it.

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Re: What are you up YTD? [Year To Date]

Post by sschullo » Thu Jan 03, 2019 8:45 am

2018 Return
30% stock /70% Fixed
-1.97% overall.
Cost: .064% or $1024.00 for a 7 figure portfolio.
My highest individual returns were Treasurer Direct iBond--+3.4%, Vanguard International Bond Index--+2.97%, and TIAA's TA +3.0%.
Last edited by sschullo on Fri Jan 11, 2019 9:20 am, edited 1 time in total.
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james22
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Re: What are you up YTD? [Year To Date]

Post by james22 » Thu Jan 03, 2019 9:55 am

~3%

Held lots of Stable Value and preferreds (BAC/WFC-L) until recently when bought into fallen SV and EM and added to BRK and BAM.

Still waiting for a real opportunity.

vtomar
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Re: What are you up YTD? [Year To Date]

Post by vtomar » Sat Jan 05, 2019 2:29 pm

+5.87% 2018 Returns. I rebalanced my allocation monthly in 2018

DrGoogle2017
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Re: What are you up YTD? [Year To Date]

Post by DrGoogle2017 » Sat Jan 05, 2019 3:58 pm

bgf wrote:
Thu Jan 03, 2019 7:29 am
smitty1515 wrote:
Wed Jan 02, 2019 8:44 pm
WhiteMaxima wrote:
Wed Jan 02, 2019 1:54 pm
Any BH with 100/0 AA? What's your return in 2018?
-11%
-13.3%
It depends on the international ratio too, I thought VTI was down -5%.

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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Sat Jan 05, 2019 4:10 pm

DrGoogle2017 wrote:
Sat Jan 05, 2019 3:58 pm
It depends on the international ratio too, I thought VTI was down -5%.
My VTI averaged -6.9%. My buy of September 24th was down 21% at one time.

bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf » Sat Jan 05, 2019 4:11 pm

DrGoogle2017 wrote:
Sat Jan 05, 2019 3:58 pm
bgf wrote:
Thu Jan 03, 2019 7:29 am
smitty1515 wrote:
Wed Jan 02, 2019 8:44 pm
WhiteMaxima wrote:
Wed Jan 02, 2019 1:54 pm
Any BH with 100/0 AA? What's your return in 2018?
-11%
-13.3%
It depends on the international ratio too, I thought VTI was down -5%.
i held 20% international developed and 20% emerging, but what really got me was one of my individual stocks dropping 50% due to confusion over choice of auditor which led to a short attack combined with the market fall.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

cashboy
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Re: What are you up YTD? [Year To Date]

Post by cashboy » Sat Jan 05, 2019 4:27 pm

63% us stock
7% non-us stock
30% us bond

2018 combined rate of return
-2.22

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MN-Investor
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Re: What are you up YTD? [Year To Date]

Post by MN-Investor » Sat Jan 05, 2019 4:30 pm

My portfolio decreased 4.1% in 2018.

Oh well.
The key to success - Save early, save often, invest well.

carol-brennan
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Re: What are you up YTD? [Year To Date]

Post by carol-brennan » Sun Jan 06, 2019 7:42 am

2.9% in 2018. I "sold too soon" in mid to late 2017 and went to mostly G fund. It was hard watching the market soar, but whenever it did, I just looked at its valuation relative to history.

Funny how people have the most confidence when stocks are at historically high levels.

http://www.multpl.com/s-p-500-price-to-sales
http://www.multpl.com/s-p-500-price-to-sales
http://www.multpl.com/shiller-pe/

Still looks eerily elevated to me.

gamboolman
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Re: What are you up YTD? [Year To Date]

Post by gamboolman » Sun Jan 06, 2019 8:16 am

Our portfolio value decreased about ~7.5% in 2018 :(

For 2019 up ~1.7% :happy

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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Sun Jan 06, 2019 9:27 am

bgf wrote:
Sat Jan 05, 2019 4:11 pm
… what really got me was one of my individual stocks dropping 50% due to confusion over choice of auditor which led to a short attack combined with the market fall.
I have 10%, now, of my total in one stock. It is up over 11% for 2018. It's in the DOW so things can't be all bad. :greedy
gamboolman wrote:
Sun Jan 06, 2019 8:16 am
For 2019 up ~1.7% :happy
I forget how to add negative numbers. :confused

bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf » Sun Jan 06, 2019 10:26 am

J G Bankerton wrote:
Sun Jan 06, 2019 9:27 am
bgf wrote:
Sat Jan 05, 2019 4:11 pm
… what really got me was one of my individual stocks dropping 50% due to confusion over choice of auditor which led to a short attack combined with the market fall.
I have 10%, now, of my total in one stock. It is up over 11% for 2018. It's in the DOW so things can't be all bad. :greedy
gamboolman wrote:
Sun Jan 06, 2019 8:16 am
For 2019 up ~1.7% :happy
I forget how to add negative numbers. :confused
berkshire is my largest at 7-8%.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

anoop
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Re: What are you up YTD? [Year To Date]

Post by anoop » Fri Jan 11, 2019 1:47 am

jminv wrote:
Tue Dec 25, 2018 7:35 pm
...

As far as indexing, I invest in individual stocks because there isn't an index that is investing in what I'm targeting: growing monopolies. I view my own portfolio of 25-30 of them as that index. I buy and hold them.
Thanks for sharing.

How closely does it match the Dow 30? Is there any number that overlap?

alex123711
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Re: What are you up YTD? [Year To Date]

Post by alex123711 » Sat Jan 12, 2019 10:28 pm

Anyone doing individual stock investing for e.g value investing? Would be interesting to hear the long term returns (5+ years) if they are beating the index or not etc as even a couple of % above the index adds to a lot more in the long term.

anoop
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Re: What are you up YTD? [Year To Date]

Post by anoop » Sun Jan 13, 2019 12:22 pm

alex123711 wrote:
Sat Jan 12, 2019 10:28 pm
Anyone doing individual stock investing for e.g value investing? Would be interesting to hear the long term returns (5+ years) if they are beating the index or not etc as even a couple of % above the index adds to a lot more in the long term.
A value investor would probably have stayed away from the FAANGs, aside from maybe AAPL, and would have lost out on the huge gains in all of the last 5 years except the the last year. Because of the size of the FAANGs, they dominate the index and they got beaten badly last year but have otherwise had huge gains.

The best performing fund offered in my 401k for 2018 was money market.

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Spinola
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Re: What are you up YTD? [Year To Date]

Post by Spinola » Sun Jan 13, 2019 4:27 pm

2018 I'd rather forget.. down 5.4%

Up 2.65% in 2019 so far.

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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon » Mon Jan 14, 2019 9:44 am

Age 73, retired, 50/50 asset allocation.

The total return of our portfolio is up 2.46% year to date, per Morningstar Portfolio Manager.

The best fund so far is Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX), it's total return is up 6.75% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf » Fri Jan 18, 2019 8:29 am

5.5%!

feels like last year, and if that's so i dont want February to come...
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf » Fri Jan 18, 2019 8:36 am

alex123711 wrote:
Sat Jan 12, 2019 10:28 pm
Anyone doing individual stock investing for e.g value investing? Would be interesting to hear the long term returns (5+ years) if they are beating the index or not etc as even a couple of % above the index adds to a lot more in the long term.
over the past few years, going back to 2014 i guess, i've kept a percentage of my portfolio in a few individual stocks. csco, msft, brk.b, mkl, and ebix. i've since sold msft and csco simply because they were small positions. made very good returns on them while i owned them. everyone thought msft was dead money back when i bought it in the mid 30s. it was incredibly cheap back then because everyone thought it was going the way of IBM. nope! i only have brk.b, mkl, and ebix now. they make up about 20% of my portfolio. the remaining 80% is global market weight.

i haven't tracked the performance of these individual holdings, but i can almost guarantee that they've handily beaten the market, even with the SP500 having such a great run during this period. i'm going to track the IRR of these individual holdings moving forward just like i do for my entire portfolio.

edit* here's a rough guesstimate as to performance. certainly wont equal my actual performance as it does not include repeated purchases over time and the weights are just roughly what i actually held.

https://www.portfoliovisualizer.com/bac ... ion6_2=100
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

DrGoogle2017
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Re: What are you up YTD? [Year To Date]

Post by DrGoogle2017 » Fri Jan 18, 2019 12:48 pm

Up about 5%, I’m afraid of Feb too.

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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer » Fri Jan 18, 2019 7:29 pm

Nice start to the year: +6.5%. Dialed back some exposure to commodities and to equities due to options expiring and gamma. Now at 55% equities, 15% gold, 15% oil, 10% LT bonds, 5% cash.

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hdas
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Re: What are you up YTD? [Year To Date]

Post by hdas » Fri Jan 18, 2019 7:32 pm

market timer wrote:
Fri Jan 18, 2019 7:29 pm
Nice start to the year: +6.5%. Dialed back some exposure to commodities and to equities due to options expiring and gamma. Now at 55% equities, 15% gold, 15% oil, 10% LT bonds, 5% cash.
How did u end up on 2018?. H
"whenever there is a randomized way of doing something, then there is a nonrandomized way that delivers better performance but requires more thought" ET Jaynes

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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer » Fri Jan 18, 2019 7:41 pm

hdas wrote:
Fri Jan 18, 2019 7:32 pm
market timer wrote:
Fri Jan 18, 2019 7:29 pm
Nice start to the year: +6.5%. Dialed back some exposure to commodities and to equities due to options expiring and gamma. Now at 55% equities, 15% gold, 15% oil, 10% LT bonds, 5% cash.
How did u end up on 2018?. H
+5.5%

cpan00b
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Re: What are you up YTD? [Year To Date]

Post by cpan00b » Fri Jan 18, 2019 8:14 pm

wohoo i finally broke even today! Was down about 6% from all capital invested since April 2017. Still down 7% from the September 2018 high. 100% equities...invested a lot of my money at extremely high valuations last year (i.e. International at it's peak). I'm getting a 20k bonus on 1/31 which makes me sad that I didn't have free cash to buy up in December when prices were still low.

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willthrill81
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Re: What are you up YTD? [Year To Date]

Post by willthrill81 » Fri Jan 18, 2019 9:13 pm

market timer wrote:
Fri Jan 18, 2019 7:41 pm
hdas wrote:
Fri Jan 18, 2019 7:32 pm
market timer wrote:
Fri Jan 18, 2019 7:29 pm
Nice start to the year: +6.5%. Dialed back some exposure to commodities and to equities due to options expiring and gamma. Now at 55% equities, 15% gold, 15% oil, 10% LT bonds, 5% cash.
How did u end up on 2018?. H
+5.5%
Well done!
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long_gamma
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Re: What are you up YTD? [Year To Date]

Post by long_gamma » Sat Jan 19, 2019 8:05 am

market timer wrote:
Fri Jan 18, 2019 7:29 pm
Nice start to the year: +6.5%. Dialed back some exposure to commodities and to equities due to options expiring and gamma. Now at 55% equities, 15% gold, 15% oil, 10% LT bonds, 5% cash.
Are you expressing your views mostly thru' options? Is it thru futures or ETF's?
"Everyone has a plan 'till they get punched in the mouth." --Mike Tyson

craimund
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Re: What are you up YTD? [Year To Date]

Post by craimund » Sat Jan 19, 2019 8:35 am

Up 7.03% as of Friday, January 18, 2019. Down 5.14% in 2018.
"When you ain't got nothing, you got nothing to lose"-Bob Dylan 1965. "When you think that you've lost everything, you find out you can always lose a little more"-Dylan 1997

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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer » Sat Jan 19, 2019 10:03 am

long_gamma wrote:
Sat Jan 19, 2019 8:05 am
market timer wrote:
Fri Jan 18, 2019 7:29 pm
Nice start to the year: +6.5%. Dialed back some exposure to commodities and to equities due to options expiring and gamma. Now at 55% equities, 15% gold, 15% oil, 10% LT bonds, 5% cash.
Are you expressing your views mostly thru' options? Is it thru futures or ETF's?
I use all of the above.

IAU (gold ETF): Very tax efficient for buy-and-hold investor, goes in taxable
Long-dated oil futures: I prefer to do-it-myself with oil futures, rather than use ETFs that roll near-month contracts monthly (think they suffer from market impact costs); also prefer long-dated exposure to near-month contracts, which have more volatility
Equity ETFs: This is the core of my equity exposure, buy-and-hold
Equity index options (short): Used to get exposure to variance risk premium and have a negative gamma profile
EE bonds: Tax efficient way to get exposure to LT bonds outside of retirement accounts
Bond futures: To actively manage duration exposure

long_gamma
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Re: What are you up YTD? [Year To Date]

Post by long_gamma » Sat Jan 19, 2019 10:20 am

market timer wrote:
Sat Jan 19, 2019 10:03 am
long_gamma wrote:
Sat Jan 19, 2019 8:05 am
market timer wrote:
Fri Jan 18, 2019 7:29 pm
Nice start to the year: +6.5%. Dialed back some exposure to commodities and to equities due to options expiring and gamma. Now at 55% equities, 15% gold, 15% oil, 10% LT bonds, 5% cash.
Are you expressing your views mostly thru' options? Is it thru futures or ETF's?
I use all of the above.

IAU (gold ETF): Very tax efficient for buy-and-hold investor, goes in taxable
Long-dated oil futures: I prefer to do-it-myself with oil futures, rather than use ETFs that roll near-month contracts monthly (think they suffer from market impact costs); also prefer long-dated exposure to near-month contracts, which have more volatility
Equity ETFs: This is the core of my equity exposure, buy-and-hold
Equity index options (short): Used to get exposure to variance risk premium and have a negative gamma profile
EE bonds: Tax efficient way to get exposure to LT bonds outside of retirement accounts
Bond futures: To actively manage duration exposure
Fantastic and very interesting

Are you US based? I thought IAU is taxed as collectibles, so better placed in IRA or 401k (Gains on collectibles held for one year or less are taxed as ordinary income—the same tax treatment as short-term capital gains (STCGs). Gains on collectibles held more than one year are taxed as ordinary income, except the maximum collectibles tax rate is 28% (Sec. 1(h)(4)).

Oil futures long only or long short?

Can you give brief overview of your Equity index short options strategy. SPX or ES? Weekly, monthly or qtrly? ATM or OTM? Naked or some spread form?

Edit: How do you account for EE bonds performance, when you calculate annual performance? Do you pro-rate 3.5% return (assuming you are holding onto 20 years) or equivalent 20 year duration bond performance or some other variation
Last edited by long_gamma on Sat Jan 19, 2019 10:50 am, edited 1 time in total.
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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer » Sat Jan 19, 2019 10:48 am

long_gamma wrote:
Sat Jan 19, 2019 10:20 am
Are you US based? I thought IAU is taxed as collectibles, so better placed in IRA or 401k (Gains on collectibles held for one year or less are taxed as ordinary income—the same tax treatment as short-term capital gains (STCGs). Gains on collectibles held more than one year are taxed as ordinary income, except the maximum collectibles tax rate is 28% (Sec. 1(h)(4)).
Yes, US-based for tax purposes. A few ways to avoid the collectibles tax:
1. Capital losses from tax loss harvesting
2. Step-up basis if I pass the holdings to my kids
3. Tax gain harvesting during early retirement / sabbatical years
Oil futures long only or long short?
Long only.
Can you give brief overview of your Equity index short options strategy. SPX or ES? Weekly, monthly or qtrly? ATM or OTM? Naked or some spread form?
I use options on futures and ETFs, so SPY and ES (not SPX), along with some other indexes. Typically a few months to a year out. Mostly short puts ATM and OTM or covered calls against positions I hold elsewhere. Always naked. I'll go long stretches of time with no index option exposure, then put on a position when the market needs people to sell insurance (e.g., Feb and Q4 2018). I'll also use options sometimes if I prefer short term capital gains to dividends (dividends are priced into the option).

long_gamma
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Re: What are you up YTD? [Year To Date]

Post by long_gamma » Sat Jan 19, 2019 10:53 am

market timer wrote:
Sat Jan 19, 2019 10:48 am
long_gamma wrote:
Sat Jan 19, 2019 10:20 am
Are you US based? I thought IAU is taxed as collectibles, so better placed in IRA or 401k (Gains on collectibles held for one year or less are taxed as ordinary income—the same tax treatment as short-term capital gains (STCGs). Gains on collectibles held more than one year are taxed as ordinary income, except the maximum collectibles tax rate is 28% (Sec. 1(h)(4)).
Yes, US-based for tax purposes. A few ways to avoid the collectibles tax:
1. Capital losses from tax loss harvesting
2. Step-up basis if I pass the holdings to my kids
3. Tax gain harvesting during early retirement / sabbatical years
Oil futures long only or long short?
Long only.
Can you give brief overview of your Equity index short options strategy. SPX or ES? Weekly, monthly or qtrly? ATM or OTM? Naked or some spread form?
I use options on futures and ETFs, so SPY and ES (not SPX), along with some other indexes. Typically a few months to a year out. Mostly short puts ATM and OTM or covered calls against positions I hold elsewhere. Always naked. I'll go long stretches of time with no index option exposure, then put on a position when the market needs people to sell insurance (e.g., Feb and Q4 2018). I'll also use options sometimes if I prefer short term capital gains to dividends (dividends are priced into the option).
Thanks. I edited my post while you are writing your post.
"Everyone has a plan 'till they get punched in the mouth." --Mike Tyson

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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer » Sat Jan 19, 2019 11:14 am

long_gamma wrote:
Sat Jan 19, 2019 10:20 am
Edit: How do you account for EE bonds performance, when you calculate annual performance? Do you pro-rate 3.5% return (assuming you are holding onto 20 years) or equivalent 20 year duration bond performance or some other variation
For EE bonds, I currently treat them as zero coupon bonds with no embedded optionality and have an Excel spreadsheet that takes current Treasury yields from Bloomberg, interpolates a piecewise linear yield curve, and outputs the implied value of my holdings. If interest rates rise substantially, I might get more creative on how to value the EE bond redemption option.

Also use a fudge factor of 1.2 for Roth IRA performance, i.e., $1 in Roth is worth $1.20 in taxable or traditional IRA.

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Re: What are you up YTD? [Year To Date]

Post by bgf » Sat Jan 19, 2019 11:20 am

after that huge friday, portfolio up 6.6%. individual stocks up 8.2%.

prepared for a lot more volatility though. these will change dramatically.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Sat Jan 19, 2019 12:04 pm

I'm up 4.82% this year. Much better than down the 3.2% I was for 2018.

s8r
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Re: What are you up YTD? [Year To Date]

Post by s8r » Sat Jan 19, 2019 12:19 pm

My global cap weighted portfolio (ex small developed) is up 7.04% YTD.

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TheTimeLord
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Re: What are you up YTD? [Year To Date]

Post by TheTimeLord » Sat Jan 19, 2019 12:31 pm

S&P 500 up 6.54% for the year, I am up far less than that.
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tnbison
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Re: What are you up YTD? [Year To Date]

Post by tnbison » Sat Jan 19, 2019 1:00 pm

2018 return: 25.36%
3 year return*: 28.87%
5 year return*: 21.73%
*annual compound return

run about 50% in index funds, not so much in the other 50%

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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Sat Jan 19, 2019 1:47 pm

TheTimeLord wrote:
Sat Jan 19, 2019 12:31 pm
S&P 500 up 6.54% for the year, I am up far less than that.
Fees and cash holdings eat into returns. If I was a billionaire I would make my own index fund.

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Earl Lemongrab
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Re: What are you up YTD? [Year To Date]

Post by Earl Lemongrab » Sat Jan 19, 2019 2:09 pm

J G Bankerton wrote:
Sat Jan 19, 2019 1:47 pm
TheTimeLord wrote:
Sat Jan 19, 2019 12:31 pm
S&P 500 up 6.54% for the year, I am up far less than that.
Fees and cash holdings eat into returns.
US large stocks have outperformed international slightly and bonds significantly. That's going to be your difference for the most part.

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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Sat Jan 19, 2019 2:14 pm

Earl Lemongrab wrote:
Sat Jan 19, 2019 2:09 pm
J G Bankerton wrote:
Sat Jan 19, 2019 1:47 pm
TheTimeLord wrote:
Sat Jan 19, 2019 12:31 pm
S&P 500 up 6.54% for the year, I am up far less than that.
Fees and cash holdings eat into returns.
US large stocks have outperformed international slightly and bonds significantly. That's going to be your difference for the most part.
I was assuming all stock. No index fund can ever match the index because of fees and the cash the fund must hold. I was comparing apples to apples.

Help me out, I'm trying to avoid fees.
viewtopic.php?f=10&t=270205

Jags4186
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Re: What are you up YTD? [Year To Date]

Post by Jags4186 » Sat Jan 19, 2019 2:14 pm

I am up 7.6% YTD
2018 down 11.16%

bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf » Sat Jan 19, 2019 3:56 pm

tnbison wrote:
Sat Jan 19, 2019 1:00 pm
2018 return: 25.36%
3 year return*: 28.87%
5 year return*: 21.73%
*annual compound return

run about 50% in index funds, not so much in the other 50%
can i have your cheat code?
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

long_gamma
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Re: What are you up YTD? [Year To Date]

Post by long_gamma » Sat Jan 19, 2019 4:47 pm

market timer wrote:
Sat Jan 19, 2019 11:14 am
long_gamma wrote:
Sat Jan 19, 2019 10:20 am
Edit: How do you account for EE bonds performance, when you calculate annual performance? Do you pro-rate 3.5% return (assuming you are holding onto 20 years) or equivalent 20 year duration bond performance or some other variation
For EE bonds, I currently treat them as zero coupon bonds with no embedded optionality and have an Excel spreadsheet that takes current Treasury yields from Bloomberg, interpolates a piecewise linear yield curve, and outputs the implied value of my holdings. If interest rates rise substantially, I might get more creative on how to value the EE bond redemption option.

Also use a fudge factor of 1.2 for Roth IRA performance, i.e., $1 in Roth is worth $1.20 in taxable or traditional IRA.
Thanks
"Everyone has a plan 'till they get punched in the mouth." --Mike Tyson

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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Sat Jan 19, 2019 9:35 pm

market timer wrote:
Sat Jan 19, 2019 11:14 am

Also use a fudge factor of 1.2 for Roth IRA performance, i.e., $1 in Roth is worth $1.20 in taxable or traditional IRA.
Using "Beardstown accounting" I'm up 22% last year. The bottom line counts. :greedy

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market timer
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Re: What are you up YTD? [Year To Date]

Post by market timer » Sat Jan 19, 2019 9:55 pm

J G Bankerton wrote:
Sat Jan 19, 2019 9:35 pm
market timer wrote:
Sat Jan 19, 2019 11:14 am

Also use a fudge factor of 1.2 for Roth IRA performance, i.e., $1 in Roth is worth $1.20 in taxable or traditional IRA.
Using "Beardstown accounting" I'm up 22% last year. The bottom line counts. :greedy
Purchasing power at the time you plan to spend the money counts. What I'm doing is just a form of tax-adjusted asset allocation:

https://www.bogleheads.org/wiki/Tax-adj ... allocation

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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Sat Jan 19, 2019 10:17 pm

market timer wrote:
Sat Jan 19, 2019 9:55 pm

Purchasing power at the time you plan to spend the money counts. What I'm doing is just a form of tax-adjusted asset allocation:

https://www.bogleheads.org/wiki/Tax-adj ... allocation
I am truly blessed; my plan is to never spend the money.

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