What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
vipertom1970
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Re: What are you up YTD? [Year To Date]

Post by vipertom1970 » Thu Feb 27, 2020 9:21 pm

60/40, -3% YTD and there goes my dream car.
Last edited by vipertom1970 on Fri Feb 28, 2020 12:42 am, edited 2 times in total.

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

Post by MoneyMarathon » Thu Feb 27, 2020 11:48 pm

-1.63% YTD - allocation 95% stocks, 125% bonds, -120% cash

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Portfolio7
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Re: What are you up YTD? [Year To Date]

Post by Portfolio7 » Fri Feb 28, 2020 12:29 am

Our largest account is carrying a loss of 5.5% as of 2/27 EOD (though we're still up 11.8% vs one year ago.)

The other accounts we have will all be very similar. 80/20 after last month's AA adjustment.

Maybe it wasn't a great time to decide we were less risk averse than our AA suggested! Still, we're sleeping fine. I know that's a lot easier to say when losses are only 8% vs, say, 28% - I may change my tune before it's all over! However, we're looking forward to buying more stock with each paycheck.
"An investment in knowledge pays the best interest" - Benjamin Franklin

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

Post by Caduceus » Fri Feb 28, 2020 1:19 am

I am 40% equities, 60% cash and ultra short-term bonds, and am down 5.66% YTD so far.

I don't know to think if I was lucky or unlucky but will confess to feeling strangely happy as the days pass. I was lucky in that I was 100% in cash as of December 2019, having sold out of equity positions that had hit my assessment of fair value. Between Jan 24 and Feb 27, I invested 40% of my cash. If I'd only waited one more month and continued staying in 100% cash, I would have gotten a lot more shares for my bucks.

The portfolio losses don't bother me. But I have a habit of calculating how many more shares I could have gotten by waiting one more week, two more weeks, three more weeks, etc. "If I waited three more weeks, my money would have bought me 700 shares of ABC, instead of only a measly 550 shares! OMG!" That's my internal conversation with myself, rather than "OMG! My equity portfolio has dropped 14.15%!" I think about losses in terms of the opportunity cost of shares not accumulated from entering the market at a less opportune time.

That is until the rational part of my brain kicks in and tells me that no one - not even someone as charmed as myself :beer - will ever manage to invest 100% of my portfolio at the exact market bottom. Well, I did actually buy GE at the exact bottom once ... like, literally at its absolute bottom to the last penny. But I invested only a tiny amount in it (I was testing out a hypothesis for fun and only intended to hold it for three days), so I didn't make much.

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

Post by ruralavalon » Fri Feb 28, 2020 9:32 am

7eight9 wrote:
Thu Feb 27, 2020 8:32 pm
chuckb84 wrote:
Thu Feb 27, 2020 8:30 pm
Amazing how this thread has gone quiet :). YTD I'm about -1.5%.

Of course, for the trailing year from today I'm +10.3%.
Not just this thread but all the 100% equity ones as well. Wishing all the best.
Age 74, retired, asset allocation 50/50.

Total Return is down 2.12% year to date.

Best fund so far is Vanguard Intermediate-term Bond Index Fund (VBILX), total return up 3.88% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by Bluce » Fri Feb 28, 2020 10:41 am

30/70, down .89% YTD, as of last night.

Best fund I have is TLH, 10-20 year Treasury, up 8.35% YTD.
"There are no new ideas, only forgotten ones." -- Amity Shlaes

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

Post by indexlover » Fri Feb 28, 2020 11:06 am

MoneyMarathon wrote:
Thu Feb 27, 2020 11:48 pm
-1.63% YTD - allocation 95% stocks, 125% bonds, -120% cash
I am not following this. Is this a joke ? :confused
“If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice should be Jack Bogle.” - Mr. Buffett - Berkshire Hathaway ’s 2016 annual report.

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

Post by MoneyMarathon » Fri Feb 28, 2020 1:50 pm

indexlover wrote:
Fri Feb 28, 2020 11:06 am
MoneyMarathon wrote:
Thu Feb 27, 2020 11:48 pm
-1.63% YTD - allocation 95% stocks, 125% bonds, -120% cash
I am not following this. Is this a joke ? :confused
Most of it is invested in this fund:

https://www.pimco.com/en-us/investments ... -fund/inst
StocksPLUS® Long Duration Fund

"A traditional index fund typically invests in all, or a representative sample, of the stocks in an index in an effort to replicate the return of the index. PIMCO StocksPLUS Long Duration Fund seeks to outperform the index by employing a unique, bond-centric strategy. It does this by purchasing low-cost S&P 500 derivatives and backing this exposure with an actively managed portfolio of diversified long-duration bonds."

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

Post by Clumsum » Fri Feb 28, 2020 2:44 pm

Not as much as last week

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marti038
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Re: What are you up YTD? [Year To Date]

Post by marti038 » Fri Feb 28, 2020 3:14 pm

-4.26% as of this morning, but I did some buying today so we'll see how that goes.

mroe800
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Re: What are you up YTD? [Year To Date]

Post by mroe800 » Sat Feb 29, 2020 1:22 pm

Portfolio down ~5%. 401K down ~12%.

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1210sda
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Re: What are you up YTD? [Year To Date]

Post by 1210sda » Sat Feb 29, 2020 1:39 pm

As of the end of Febraury, 2020: Minus 3.76% in a 60/40, 3 Fund portfolio. (No international bonds, slightly higher allocation to cash than VSMGX)

(VSMGX)Lifestrategy Mod Growth is at Minus 3.98%

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

Post by rkhusky » Sat Feb 29, 2020 2:23 pm

-3% YTD for 40/60 portfolio.

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

Post by bgf » Sat Feb 29, 2020 4:15 pm

-6.9%

yep
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"

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

Post by catlady » Sat Feb 29, 2020 4:16 pm

-5.46%, 83/17, Beardstown math.

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

Post by DrPayItBack » Sat Feb 29, 2020 4:39 pm

-7.3%

60/20/10/10

US/ex-US/REIT/US bonds

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

Post by SimpleGift » Sat Feb 29, 2020 4:46 pm

50% Stocks / 50% Bonds ........... -3.68%

US/ex-US/REITs / US bonds (mostly Treasuries, nominal and TIPS)

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

Post by cjonblanchard » Sat Feb 29, 2020 4:58 pm

-2.6% with a 45 / 55 allocation. One of these days I'll decide whether to move to 40/60 or 50/50. We're 66 and 82, so not easy to decide which one and it doesn't make much difference anyway!

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

Post by Bluce » Sat Feb 29, 2020 5:46 pm

mroe800 wrote:
Sat Feb 29, 2020 1:22 pm
Portfolio down ~5%. 401K down ~12%.
Your 401 isn't part of your portfolio? :confused
"There are no new ideas, only forgotten ones." -- Amity Shlaes

mroe800
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Re: What are you up YTD? [Year To Date]

Post by mroe800 » Sat Feb 29, 2020 6:20 pm

Bluce wrote:
Sat Feb 29, 2020 5:46 pm
mroe800 wrote:
Sat Feb 29, 2020 1:22 pm
Portfolio down ~5%. 401K down ~12%.
Your 401 isn't part of your portfolio? :confused
I posted various accounts last time and you complained, this time I post portfolio and you still complain? :confused

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

Post by Bluce » Sat Feb 29, 2020 7:43 pm

mroe800 wrote:
Sat Feb 29, 2020 6:20 pm
Bluce wrote:
Sat Feb 29, 2020 5:46 pm
mroe800 wrote:
Sat Feb 29, 2020 1:22 pm
Portfolio down ~5%. 401K down ~12%.
Your 401 isn't part of your portfolio? :confused
I posted various accounts last time and you complained, this time I post portfolio and you still complain? :confused
Asset allocation is, supposedly, the most important thing to long-term success. If you don't have everything under one tent, so to speak, how do you know what your AA is? Or your total return?
"There are no new ideas, only forgotten ones." -- Amity Shlaes

vijaym73
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Re: What are you up YTD? [Year To Date]

Post by vijaym73 » Sat Feb 29, 2020 8:02 pm

-0.5%

Currently on the excellent adventure.

mroe800
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Re: What are you up YTD? [Year To Date]

Post by mroe800 » Sat Feb 29, 2020 8:05 pm

Bluce wrote:
Sat Feb 29, 2020 7:43 pm
mroe800 wrote:
Sat Feb 29, 2020 6:20 pm
Bluce wrote:
Sat Feb 29, 2020 5:46 pm
mroe800 wrote:
Sat Feb 29, 2020 1:22 pm
Portfolio down ~5%. 401K down ~12%.
Your 401 isn't part of your portfolio? :confused
I posted various accounts last time and you complained, this time I post portfolio and you still complain? :confused
Asset allocation is, supposedly, the most important thing to long-term success. If you don't have everything under one tent, so to speak, how do you know what your AA is? Or your total return?
And I said it last time, multiple spreadsheets including a master will all accounts and holdings together.

manatee2005
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 » Sun Mar 01, 2020 11:59 pm

Went from +5% a week ago to -6% now. Fun ride.

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

Post by mtmingus » Mon Mar 02, 2020 9:02 am

-3.5% as end of Feb 2020.

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

Post by abner kravitz » Mon Mar 02, 2020 9:15 am

-4.9% at 60/40

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

Post by Sigz » Mon Mar 02, 2020 9:35 am

Ugh, -18.1.

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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 » Tue Mar 03, 2020 3:58 pm

Please correct the title to "what are you down YTD". :annoyed

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

Post by ruralavalon » Tue Mar 03, 2020 5:15 pm

J G Bankerton wrote:
Tue Mar 03, 2020 3:58 pm
Please correct the title to "what are you down YTD". :annoyed
Be patient, just wait and portfolio returns will be up again.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by spammagnet » Tue Mar 03, 2020 10:22 pm

YTD -1.3%
Feb -2.1%

32% Total Market
8% International
60% US Bonds

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Sheepdog
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Location: Indiana, retired 1998 at age 65

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

Post by Sheepdog » Wed Mar 04, 2020 12:36 am

Breaking even (27% stock) -0.01 % YTD
“One moment of patience may ward off great disaster. One moment of impatience may ruin a whole life.” — Chinese Proverb

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

Post by Bluce » Wed Mar 04, 2020 8:33 am

30/70, +.21% YTD.
"There are no new ideas, only forgotten ones." -- Amity Shlaes

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

Post by canadianbacon » Wed Mar 04, 2020 8:44 am

-2.49% XIRR currently, although the overall portfolio is up 4K due to contributions.
Bulls make money, bears make money, pigs get slaughtered.

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

Post by Corsair » Thu Mar 05, 2020 12:06 am

YTD +5.4%, conservative AA
Stocks only go up? | All posts are my own opinions and are not financial advice.

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

Post by Stef » Thu Mar 05, 2020 4:55 am

XIRR is showing -41.88% right now :oops:

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

Post by GoldenFinch » Thu Mar 05, 2020 6:44 am

Stef wrote:
Thu Mar 05, 2020 4:55 am
XIRR is showing -41.88% right now :oops:
Is this a typo? Or do you have individual stocks?

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

Post by tibbitts » Thu Mar 05, 2020 7:19 am

At this point I'm starting to wonder how many people are posting changes in balance vs. rates of return, and of course rates of return are what matter.

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

Post by Stef » Thu Mar 05, 2020 7:22 am

I just started investing a couple of months ago. So most of my ETFs were bought close to the top. XIRR is calculated for a whole year right?

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

Post by GoldenFinch » Thu Mar 05, 2020 7:36 am

Stef wrote:
Thu Mar 05, 2020 7:22 am
I just started investing a couple of months ago. So most of my ETFs were bought close to the top. XIRR is calculated for a whole year right?
I haven’t used it, but looked it up. Yes, annualized return. Makes more sense now. :happy

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

Post by ruralavalon » Thu Mar 05, 2020 10:11 am

Age 74, retired, asset allocation is 50/50.

Total return (dividends reinvested, net of expenses) of our portfolio is up 0.37% year to date.

Best fund so far is Vanguard Intermediate-term Bond Index Fund (VBILX), total return is up 5.45% year date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by rixer » Thu Mar 05, 2020 10:59 am

As of yesterday, my 40/60 portfolio was up about .5% but that ship is sailing away this morning.... :(
Last edited by rixer on Thu Mar 05, 2020 11:04 am, edited 1 time in total.

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

Post by Bluce » Thu Mar 05, 2020 11:02 am

As of last night, my 30/70 PF total return is UP 1.46% YTD.
"There are no new ideas, only forgotten ones." -- Amity Shlaes

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

Post by Ramjet » Thu Mar 05, 2020 11:04 am

Currently right at 0%

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

Post by burt » Thu Mar 05, 2020 6:57 pm

As of end of day 3-5-20.
+.5%
30/70

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

Post by HawkeyePierce » Thu Mar 05, 2020 7:27 pm

My balance is down 3.3%.

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

Post by Elena » Thu Mar 05, 2020 7:29 pm

Currently not looking, as advised.

Conch55
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Re: What are you up YTD? [Year To Date]

Post by Conch55 » Sat Mar 07, 2020 10:11 am

As of cob 3/6 my 55/45 portfolio is down 1.25% for 2020. I was market re-balanced to 50/50 which I was headed for anyway. :beer

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

Post by mtmingus » Sat Mar 07, 2020 10:41 am

I thought this thread is active only when the markets are hot.
DOWN 3.0% YTD as of 3/6/2020. Initial AA 53:47 now involuntarily balanced to 50:50.
Bond+cash portion are mostly short and ultra short term bonds.

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

Post by dknightd » Sat Mar 07, 2020 10:53 am

What you are up or down is hard to say when you are putting money in or taking money out. And I would argue is a useless metric unless you were planning to take out all your money today!
If you value a bird in the hand, pay off the loan. If you are willing to risk getting two birds (or none) from the market, invest the funds.

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

Post by Normchad » Sat Mar 07, 2020 11:11 am

Down about 1.5%. Roughly 60/35/5.

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