What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
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Bluce
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Location: Finger Lakes, NYS

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

Post by Bluce » Wed Jul 22, 2020 9:01 am

My 30/70 PF is +1.88 YTD. (no Beardstown)

Total market fund (SWTSX), which is only 17% of my portfolio, is up 1.48%.

It's probably my Treasury holdings that have pulled me above the TSM.
"There are no new ideas, only forgotten ones." -- Amity Shlaes

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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 » Fri Jul 24, 2020 10:08 pm

+2.01% I moved a bunch of stuff around this year, I'm about 82% stock the rest cash and ultra short bonds at this point in time. Not bad for the way things were in March. :greedy

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

Post by market timer » Fri Jul 24, 2020 11:25 pm

+11%

Positives
Large gains on gold and silver
Bought the equity dip in March
Shorted TSLA near its ATH recently

Negatives
Losses in crude oil and oil majors
Value + int'l stocks (my equity tilt) down YTD

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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 » Sat Jul 25, 2020 3:43 pm

Stock, bond, cash 27 - 69 - 4 (within Wellesley, Balanced Index, I Bonds (2000-01 issues)l and MM) +2.93% 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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J G Bankerton
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Re: What are you up YTD? [Year To Date]

Post by J G Bankerton » Mon Jul 27, 2020 5:11 pm

S&P 500 total return is up 0.58% YTD. We have some great stock pickers in this thread who carry no cash.

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HuckFinn
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Location: Austin, TX

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

Post by HuckFinn » Mon Jul 27, 2020 6:48 pm

+ 2.82% YTD

Allocation - 61.5% Stock/ 38.5% Bond

Domestic vs Foreign Stock - 90% US - 10% INT'L -

80% Of stock owned is in VTSAX - Total US Stock Mkt Index Fund.
10% Of stock is in VITAX - Information Technology Fund
7.5% of Stock is in VXUS - Total International Stock ETF
2.5% Of stock owned is in VWIGX - International Growth Fund

Bond - 100% - Intermediate Term Bond Index

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

Post by TravelforFun » Tue Jul 28, 2020 6:41 am

HuckFinn wrote:
Mon Jul 27, 2020 6:48 pm

80% Of stock owned is in VTSAX - Total US Stock Mkt Index Fund.
10% Of stock is in VITAX - Information Technology Fund
7.5% of Stock is in VXUS - Total International Stock ETF
2.5% Of stock owned is in VWIGX - International Growth Fund
Don't you wish you had 80% in VITAX and 10% in VTSAX?

TravelforFun

Badger97
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Joined: Sun Jul 26, 2020 7:32 pm

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

Post by Badger97 » Tue Jul 28, 2020 6:53 am

23% including contributions.

Backing out all contributions, approximately, I come up with about +.5%

If I net out Real Estate value growth, the number goes negative probably -1% still.

Investments are all S&P/TSM/Large Cap mutual funds

Kow
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Joined: Fri May 27, 2016 5:04 pm

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

Post by Kow » Tue Jul 28, 2020 7:16 am

I’m up about 7%. Most of it From rebalancing in my 401k from 60/40 bonds to all equities during the dip. I’m back to 80/20 bonds waiting for another drop though also comfortable in my overall allocation if there is no drop. My total asset allocation is 70% equities and 30% bonds right now.

gamboolman
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Joined: Mon Feb 17, 2014 7:32 am

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

Post by gamboolman » Sat Aug 01, 2020 5:40 am

Down <2.56%> since 1-Jan-20

AA is at 39/50/11 stocks/bonds/cash.

Target AA is 40/50/10 +/- ~5%

Jim85
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Re: What are you up YTD? [Year To Date]

Post by Jim85 » Sat Aug 01, 2020 8:16 am

Up 3.8%. Allocation 47 stock,47 bonds, 6 cash. Re-balanced several times.

MathIsMyWayr
Posts: 1928
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Location: CA

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

Post by MathIsMyWayr » Sat Aug 01, 2020 9:00 am

My 401k is up by slightly over 2%. DW's gain is just a half of mine. Market gain divided by the balance on 1/1/2020. I don't know why the difference. Both have similar compositions.

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

Post by catlady » Sat Aug 01, 2020 9:18 am

Up 8.49% Beardstown math. Around 4% with contributions removed. 85/15

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

Post by Normchad » Sat Aug 01, 2020 9:19 am

Just looking at household net worth, and using beards town math, we are up 6.0% for the year.

This is pretty surprising to me overall. Going against us this year, a global pandemic, and we drained out the remainder of the 529 accounts.

I think the growth is probably a pretty even split between new contributions and actual investment returns. I think the only significant holdings we have that have done well this year are TSLA and VBTLX.

We are roughly 60/35/5.

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

Post by ruralavalon » Sat Aug 01, 2020 9:37 am

Age 74 retired, asset allocation is 50/50.

Total return of our portfolio is up 3.16% year to date.

Best fund so far is Vanguard Intermediate-term Bond Index Fund (VBILX), total return is up 9.47% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by atdharris » Sat Aug 01, 2020 10:10 am

10.8% with a mix of 90/10 stock to LTT. Big winners are legacy FAANG stocks I owned pre-Bogle days and losers are international stocks and Berkshire Hathaway

jay22
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Location: Sacramento, CA

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

Post by jay22 » Sat Aug 01, 2020 12:14 pm

Incredible that I am only down 2.95% YTD with a 85/20 portfolio.

chuckb84
Posts: 366
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Location: New Mexico

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

Post by chuckb84 » Sat Aug 01, 2020 1:21 pm

Up 2.8%, to my great surprise.

Up 5.1% on the trailing year, which I think is a more useful metric.

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Marmot
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Location: Phoenix, AZ

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

Post by Marmot » Sat Aug 01, 2020 1:23 pm

2.9 percent

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

Post by flyingaway » Sat Aug 01, 2020 1:29 pm

I have learned to be satisfied with what I get, not compare with anyone else.

But I am very happy to know last night that I have all the money needed for my retirement, counting all possible situations. I just do not know what happened last month.

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

Post by HawkeyePierce » Sat Aug 01, 2020 1:32 pm

Up ~5.3% excluding contributions. Can't complain about that. My NTSX and EDV allocations really pulled their weight this year.

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

Post by an_asker » Sat Aug 01, 2020 1:42 pm

MathIsMyWayr wrote:
Sat Aug 01, 2020 9:00 am
My 401k is up by slightly over 2%. DW's gain is just a half of mine. Market gain divided by the balance on 1/1/2020. I don't know why the difference. Both have similar compositions.
I - or should I say "the math nerd in me"? - am interested in looking at this. Would you mind sharing (here or via PM) the numbers (doesn't have to be absolute numbers; you can add some fudge factor to all numbers) here? And what are the investment options you guys are using?

MathIsMyWayr
Posts: 1928
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Re: What are you up YTD? [Year To Date]

Post by MathIsMyWayr » Sat Aug 01, 2020 2:12 pm

an_asker wrote:
Sat Aug 01, 2020 1:42 pm
MathIsMyWayr wrote:
Sat Aug 01, 2020 9:00 am
My 401k is up by slightly over 2%. DW's gain is just a half of mine. Market gain divided by the balance on 1/1/2020. I don't know why the difference. Both have similar compositions.
I - or should I say "the math nerd in me"? - am interested in looking at this. Would you mind sharing (here or via PM) the numbers (doesn't have to be absolute numbers; you can add some fudge factor to all numbers) here? And what are the investment options you guys are using?
Rough allocations:
Mine at Fidelity
  • 35% Vanguard 500 index
    20% Vanguard total International index
    15% Vanguard Total bond index
    10% Fidelity Contrafund
    10% Vanguard mid cap index
    10% Vanguard small cap index
DW's at Fidelity - different plan
  • 45% Vanguard 500 index
    20% Vanguard total bond index
    15% Fidelity international index
    10% Vanguard mid cap index
    10% Vanguard small cap index

an_asker
Posts: 2682
Joined: Thu Jun 27, 2013 2:15 pm

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

Post by an_asker » Sat Aug 01, 2020 10:08 pm

MathIsMyWayr wrote:
Sat Aug 01, 2020 2:12 pm
an_asker wrote:
Sat Aug 01, 2020 1:42 pm
MathIsMyWayr wrote:
Sat Aug 01, 2020 9:00 am
My 401k is up by slightly over 2%. DW's gain is just a half of mine. Market gain divided by the balance on 1/1/2020. I don't know why the difference. Both have similar compositions.
I - or should I say "the math nerd in me"? - am interested in looking at this. Would you mind sharing (here or via PM) the numbers (doesn't have to be absolute numbers; you can add some fudge factor to all numbers) here? And what are the investment options you guys are using?
Rough allocations:
Mine at Fidelity
  • 35% Vanguard 500 index
    20% Vanguard total International index
    15% Vanguard Total bond index
    10% Fidelity Contrafund
    10% Vanguard mid cap index
    10% Vanguard small cap index
DW's at Fidelity - different plan
  • 45% Vanguard 500 index
    20% Vanguard total bond index
    15% Fidelity international index
    10% Vanguard mid cap index
    10% Vanguard small cap index
Hmm. You are right. The difference actually should favor your wife's portfolio because I believe Contrafund has beaten the international for the year.

The other questions are:

- do you have identical or close enough fees?
- and more importantly perhaps, are your beginning of the year balances vastly different - compared to contributions this year?

That might be addressed by using beginning balance plus half of this year's contributions to determine the denominator.

One more thing might be the specific date of contribution, but that would probably impact it only if the beginning balance is not much more than this year's contributions.

dziuniek
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Location: Corrupticut

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

Post by dziuniek » Sat Aug 01, 2020 10:10 pm

8.2% approx 50/50 now.

manatee2005
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Joined: Wed Dec 18, 2019 9:17 pm

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

Post by manatee2005 » Sat Aug 01, 2020 10:13 pm

15%, naz heavy.

MathIsMyWayr
Posts: 1928
Joined: Mon Mar 27, 2017 10:47 pm
Location: CA

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

Post by MathIsMyWayr » Sat Aug 01, 2020 11:19 pm

an_asker wrote:
Sat Aug 01, 2020 10:08 pm
MathIsMyWayr wrote:
Sat Aug 01, 2020 2:12 pm
an_asker wrote:
Sat Aug 01, 2020 1:42 pm
MathIsMyWayr wrote:
Sat Aug 01, 2020 9:00 am
My 401k is up by slightly over 2%. DW's gain is just a half of mine. Market gain divided by the balance on 1/1/2020. I don't know why the difference. Both have similar compositions.
I - or should I say "the math nerd in me"? - am interested in looking at this. Would you mind sharing (here or via PM) the numbers (doesn't have to be absolute numbers; you can add some fudge factor to all numbers) here? And what are the investment options you guys are using?
Rough allocations:
Mine at Fidelity
  • 35% Vanguard 500 index
    20% Vanguard total International index
    15% Vanguard Total bond index
    10% Fidelity Contrafund
    10% Vanguard mid cap index
    10% Vanguard small cap index
DW's at Fidelity - different plan
  • 45% Vanguard 500 index
    20% Vanguard total bond index
    15% Fidelity international index
    10% Vanguard mid cap index
    10% Vanguard small cap index
Hmm. You are right. The difference actually should favor your wife's portfolio because I believe Contrafund has beaten the international for the year.

The other questions are:

- do you have identical or close enough fees?
- and more importantly perhaps, are your beginning of the year balances vastly different - compared to contributions this year?

That might be addressed by using beginning balance plus half of this year's contributions to determine the denominator.

One more thing might be the specific date of contribution, but that would probably impact it only if the beginning balance is not much more than this year's contributions.
It still remains a little mystery. The contributions are less than 10% of the balances on 1/1/2020 for both and the fees paid so far are less than 0.02% for both. My contributions are bi-weekly and hers monthly, but contributions should not play a noticeable role. All the math works out correctly: (Balance on 1/1/20) + (Contribution) - (Fee) + (Change in account value) = (Current balance). Can it be due to the possible different dates when dividends are credited? Since the gain is so little, any small number may change the picture. ERs are all under 0.1% (better than for individual investors) except around 0.4% for Contrafund.

Busdrvr
Posts: 174
Joined: Fri Jan 29, 2016 11:56 am

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

Post by Busdrvr » Sun Aug 02, 2020 2:51 pm

J G Bankerton wrote:
Mon Jul 27, 2020 5:11 pm
S&P 500 total return is up 0.58% YTD. We have some great stock pickers in this thread who carry no cash.
Why not let the experts at TRP and Fido do the picking. Check ytd PRNHX and Fidelity growth company commingled pool(FDGRX). We have this in our 401k but with a .43 ER..
Last edited by Busdrvr on Mon Aug 03, 2020 10:55 am, edited 1 time in total.

MathIsMyWayr
Posts: 1928
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Location: CA

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

Post by MathIsMyWayr » Sun Aug 02, 2020 3:10 pm

Busdrvr wrote:
Sun Aug 02, 2020 2:51 pm
J G Bankerton wrote:
Mon Jul 27, 2020 5:11 pm
S&P 500 total return is up 0.58% YTD. We have some great stock pickers in this thread who carry no cash.
Why not let the experts at TRP and Fido do the picking. Check ytd prnhx and Fidelity growth company commingled pool.
I don't get it. Both of our S&P 500 funds, Vanguard and Fidelity, returned 2.38% YTD according to Fidelity NetBenefits online.

manatee2005
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Joined: Wed Dec 18, 2019 9:17 pm

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

Post by manatee2005 » Sun Aug 02, 2020 7:41 pm

MathIsMyWayr wrote:
Sun Aug 02, 2020 3:10 pm
Busdrvr wrote:
Sun Aug 02, 2020 2:51 pm
J G Bankerton wrote:
Mon Jul 27, 2020 5:11 pm
S&P 500 total return is up 0.58% YTD. We have some great stock pickers in this thread who carry no cash.
Why not let the experts at TRP and Fido do the picking. Check ytd prnhx and Fidelity growth company commingled pool.
I don't get it. Both of our S&P 500 funds, Vanguard and Fidelity, returned 2.38% YTD according to Fidelity NetBenefits online.
Fidelity commingled returned 15-20%

Pepper11
Posts: 64
Joined: Fri Jun 13, 2014 9:22 pm

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

Post by Pepper11 » Sun Aug 02, 2020 7:53 pm

10%. Tax Loss Harvested Small Value for Large Growth in March and have been buying Large Growth since. Still mostly in Total Market. At least SCV will help with my taxes. It was an otherwise terrible idea.

Busdrvr
Posts: 174
Joined: Fri Jan 29, 2016 11:56 am

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

Post by Busdrvr » Sun Aug 02, 2020 10:00 pm

manatee2005 wrote:
Sun Aug 02, 2020 7:41 pm
MathIsMyWayr wrote:
Sun Aug 02, 2020 3:10 pm
Busdrvr wrote:
Sun Aug 02, 2020 2:51 pm
J G Bankerton wrote:
Mon Jul 27, 2020 5:11 pm
S&P 500 total return is up 0.58% YTD. We have some great stock pickers in this thread who carry no cash.
Why not let the experts at TRP and Fido do the picking. Check ytd prnhx and Fidelity growth company commingled pool.
I don't get it. Both of our S&P 500 funds, Vanguard and Fidelity, returned 2.38% YTD according to Fidelity NetBenefits online.
Fidelity commingled returned 15-20%
YTD it's up 33%

manatee2005
Posts: 795
Joined: Wed Dec 18, 2019 9:17 pm

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

Post by manatee2005 » Mon Aug 03, 2020 1:07 am

Busdrvr wrote:
Sun Aug 02, 2020 10:00 pm
manatee2005 wrote:
Sun Aug 02, 2020 7:41 pm
MathIsMyWayr wrote:
Sun Aug 02, 2020 3:10 pm
Busdrvr wrote:
Sun Aug 02, 2020 2:51 pm
J G Bankerton wrote:
Mon Jul 27, 2020 5:11 pm
S&P 500 total return is up 0.58% YTD. We have some great stock pickers in this thread who carry no cash.
Why not let the experts at TRP and Fido do the picking. Check ytd prnhx and Fidelity growth company commingled pool.
I don't get it. Both of our S&P 500 funds, Vanguard and Fidelity, returned 2.38% YTD according to Fidelity NetBenefits online.
Fidelity commingled returned 15-20%
YTD it's up 33%
My 401k plan doesn't have fidelity growth commingled. We have otc commingled.

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

Post by Portfolio7 » Mon Aug 03, 2020 1:10 pm

75/25, Equities about 40-45% Int'l. Down about 2% YTD, I believe. Int'l and Min Vol have been something of a drag thus far. Plus, my FI is almost entirely in a Stable Value fund.
"An investment in knowledge pays the best interest" - Benjamin Franklin

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

Post by bubbly » Tue Aug 04, 2020 10:08 am

My cost of living has dramatically gone down and thus I was able to save more and increase my NW by about 11% so far this year (I'm still in the early accumulating phase)

However, looking purely at it from a investment perspective, I am down about -1.5% for the year. Very thankful to have found this forum and wiki many years ago and did not resort to any reactionary moves to the market turbulence back in March. Onwards and hopefully upwards :beer

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

Post by Portfolio7 » Tue Aug 04, 2020 11:42 am

bubbly wrote:
Tue Aug 04, 2020 10:08 am
My cost of living has dramatically gone down and thus I was able to save more and increase my NW by about 11% so far this year (I'm still in the early accumulating phase)

However, looking purely at it from a investment perspective, I am down about -1.5% for the year. Very thankful to have found this forum and wiki many years ago and did not resort to any reactionary moves to the market turbulence back in March. Onwards and hopefully upwards :beer
Congratulations, good planning! :sharebeer When we were in our early years, our contributions often amounted to 10-15% of our Net Worth. It sounds like you are likely exceeding that handily. That consistent savings is critical to getting the snowball rolling, so even in a bad year this practice will help set you up wonderfully for the good years to come.
"An investment in knowledge pays the best interest" - Benjamin Franklin

rchmx1
Posts: 32
Joined: Sat Oct 26, 2019 6:38 pm

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

Post by rchmx1 » Tue Aug 04, 2020 2:09 pm

Not including contributions (I've only been in the market since Nov '19, so if I included contributions I'd be up 100%+ :P [though most of that came during Jan-early Feb :oops: ), I'm up a bit over 6% YTD. I stood pat during the downturn but used new contributions opportunistically to capture a bit of excess returns, which helped me recover a bit more quickly from the large COVID-induced drawdown we all experienced. Like buying a bit of UPRO when it was down around $20 and selling it at various stages on the way up, buying Delta when it was under $20 and selling when it was over $30. Trades involving only a few percentage points of my (quite modest) portfolio size. I consider it a very useful educational experience to have encountered such a weird market event like this pandemic so early in my investing life.

ETA: I'm 100% equities btw.

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