What are you up YTD? [Year To Date]

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

Post by NearlyRetired »

familythriftmd wrote: Sat Jun 18, 2022 9:02 am When we post updates here, do we count contributions? If so, then I would be pretty flat since in early accumulation phase.
You could try this sheet that longinvest created
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Many posters report total return (change in share price plus distributions), NOT including contributions.

Some posters do include contributions, this is sometimes referred to as Beardstown Ladies accounting.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link: Bogleheads® investment philosophy
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marti038
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Re: What are you up YTD? [Year To Date]

Post by marti038 »

Down 35.14% in 2022. 100% stocks, a lot of which are techs.

Made a killing in 2019 and 2020. Seeing the other side of that now, but I haven't sold anything and don't plan to.
atdharris
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Re: What are you up YTD? [Year To Date]

Post by atdharris »

marti038 wrote: Wed Jun 22, 2022 3:22 pm Down 35.14% in 2022. 100% stocks, a lot of which are techs.

Made a killing in 2019 and 2020. Seeing the other side of that now, but I haven't sold anything and don't plan to.
Sounds a lot like me. I'm only down 26% YTD, but I did have a ton of paper gains in 2019 and 2020. If only I knew when to sell....
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familythriftmd
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Re: What are you up YTD? [Year To Date]

Post by familythriftmd »

atdharris wrote: Wed Jun 22, 2022 3:36 pm
marti038 wrote: Wed Jun 22, 2022 3:22 pm Down 35.14% in 2022. 100% stocks, a lot of which are techs.

Made a killing in 2019 and 2020. Seeing the other side of that now, but I haven't sold anything and don't plan to.
Sounds a lot like me. I'm only down 26% YTD, but I did have a ton of paper gains in 2019 and 2020. If only I knew when to sell....
Tell me why you would sell?
RXfiles
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Re: What are you up YTD? [Year To Date]

Post by RXfiles »

-19.4%. Not including contributions.
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Ketawa
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Re: What are you up YTD? [Year To Date]

Post by Ketawa »

90% equities/10% alternatives, plus another 10% in fixed income earning more than my mortgage
market weights for region splits

Code: Select all

Total                -19.4%

Equities             -24.6%

Domestic             -27.9%
S Fund               -28.8%
QSMLX                -22.7%

International        -18.9%

Intl Developed       -19.2%
I Fund               -19.5%
QICLX                -16.9%

Intl Emerging        -18.0%

Fixed Income           1.3%
Prepaid Cards          1.4%
I Bonds                1.3%

QSPIX                 32.9%
peterp
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Re: What are you up YTD? [Year To Date]

Post by peterp »

- 58% and not selling :sharebeer
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Bogle101
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Re: What are you up YTD? [Year To Date]

Post by Bogle101 »

Down 20.5%.

Seeing my 401k drop a couple hundred grand in 5 months is rather nauseating.
40% Extended Market | 40% S&P 500 | 10% REIT | 5% State Muni Bond | 5% Cash
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Garco
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Re: What are you up YTD? [Year To Date]

Post by Garco »

A line from the 1960's: "Been down so long it looks like up to me."

My holdings are down YTD but I'm not in distress. I'm long retired (8 years) and I'm not going to run out of money. But I do want to preserve a legacy for my family (grown children). I watch but haven't made any major moves in the last year. I'm living on Social Security and RMD's. I've taken some risk out of my portfolios but I'm not into coupon-clipping or abandoning the stock markets.

Regarding RMD's, I do rely on them to cover costs of two homes (taxes). But my accumulation is way ahead of where it was when I retired and stopped having salary contributing to my investments. Once I sell one of the homes, I will either reinvest that money or gift it to our children, perhaps buying a home for one of them.
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familythriftmd
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Re: What are you up YTD? [Year To Date]

Post by familythriftmd »

peterp wrote: Thu Jun 23, 2022 2:41 am - 58% and not selling :sharebeer
How did you get that low? Is it from individual equities?
revhappy
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Re: What are you up YTD? [Year To Date]

Post by revhappy »

Jun has been horrible month.

YTD investment growth: -10.31%
YTD networth growth: -7.17%
YTD inflow: 3.14%
Equities/networth ratio: 72.66%

Only solace is still have job and income coming in. Watching portfolio butchered like this is great motivation to keep working, lol.
livesoft
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Re: 2022 YTD Performance - 02/28/2022

Post by livesoft »

YTD (30 June 2022) returns of a few 60/40 funds for your viewing pleasure:

-16.22% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
-17.05% VBIAX Vanguard Balanced Index fund, has US only and no international
-13.99% DGSIX DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation

As has been the case for a while the performance of a 60/40 portfolio varies by quite a bit depending on how the 60/40 is constituted.

Also note:
-13.67% AVUV Avantis US Small Cap Value ETF
-24.63% MTUM iShares MSCI USA Momentum Factor ETF

-21.38% VTSAX Vanguard Total US Stock Market
-18.16% VTIAX Vanguard Total International Stock Market
-10.42% VBTLX Vanguard US Bond Index fund
-05.62% VSCSX Vanguard Short-Term Corporate Bond Index fund
-08.60% VAIPX Vanguard Inflation-Protected Securities fund

+10.82% QREARX TIAA Real Estate
-20.51% VGSLX Vanguard Real Estate Index fund

01 July 2022 Added: BND is up more than 1% in early trading. Such a one-day jump does not happen very often.
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Luckywon
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Re: What are you up YTD? [Year To Date]

Post by Luckywon »

Down 16.4%
US/INT/BND 51/8/41
lostdog
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Re: What are you up YTD? [Year To Date]

Post by lostdog »

– 19.82% YTD
VT and chill...
abc132
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Re: What are you up YTD? [Year To Date]

Post by abc132 »

-12.9% ytd using longinvest's sheet.

Still 70/30 AA although this will be pushed to 75/25 if we hit -30% on stocks this year.

New purchases are now in US and international stocks.
UnLearnYourself
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Re: What are you up YTD? [Year To Date]

Post by UnLearnYourself »

I opened this thread and was shocked to see that everyone was up 5-15%...and then realized I started on the 2014 threads. This is more like it, haha.

401k is down 11.31% (S&P & fixed income fund)
Roth is down 18.9% (intl index)

In aggregate down about 13.2%

I'm 40 so pretty unbothered by the current state of the market. If anything I hope we have a prolonged bear market so I can accumulate a bit of value along the way.
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Re: What are you up YTD? [Year To Date]

Post by LadyGeek »

We have a relevant threads on net worth: Share your Net Worth Regression (vs. Share your net worth progression)
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bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf »

-23% YTD, benchmark TD 2050 down 19%
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William4589
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Re: What are you up YTD? [Year To Date]

Post by William4589 »

-17.25% YTD
Never be afraid to try something new. Remember, amateurs built the ark. Professionals built the Titanic.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Age 76, retired, no pension or annuity.

Total return of my portfolio is down 17.05%.
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catlady
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Re: What are you up YTD? [Year To Date]

Post by catlady »

-13.67% Beardstown
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AnnetteLouisan
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Re: What are you up YTD? [Year To Date]

Post by AnnetteLouisan »

Tsp- down $5k YTD plus contributions
401k- down $9k +
Roth IRA - down $1.4k
Taxable- down $2.1k
Total down $17k + YTD

AA went backward from 18/82 to 15/75 counting bank savings
But it’s 27/73 across all accounts not counting bank cash!
Very close to 30/70 target. I may even go to a target of 35/65 or 40/60.
I’m glad I checked and did the math.
Last edited by AnnetteLouisan on Sat Jul 02, 2022 10:07 pm, edited 2 times in total.
wander
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Re: What are you up YTD? [Year To Date]

Post by wander »

Down 17% YTD.
jamesja
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Re: What are you up YTD? [Year To Date]

Post by jamesja »

Up 24.87%. On January 10 went 100% into BIVIX (Invenomic Fund). A fairly recent, long/short mutual fund run by Ali Motamed who previously ran the Boston Partners long/short fund which did extremely well during 2000 market crash (+59.86% in 2000 and +24.97% in 2001). In 2017 he left Boston Partners to start his own company. He's an outstanding stock picker who pays close attention to valuations and also focuses stock picks in the inefficient small cap space. As with any other long/short fund, it will trail the major indexes during bull markets but give downside protection during bear markets.

I follow economist David Merkle who has published a chart (https://alephblog.com/2021/06/18/estima ... 21-update/) showing 10 year S&P 500 returns versus amount of non-institutional money in the market. Correlation is 93% going back to 1940s. Market hit extreme level during December 2020 at which point I went 100% into small cap bank stocks for the year. Small cap bank stocks were doing well but they're extremely illiquid usually trading only under 5000 shares per day. Then in January of this year I learned of the Invenomic Fund and switched 100% of my money into it.

My goal is to stay in this fund until FRED data (https://fred.stlouisfed.org/graph/?g=qis) shows significant change in non-institutional money flow at which point I will switch into an S&P 500 fund.

Bear in mind I am 61 years old and four years away from retirement. My risk profile may be different from other investors. For my children in their early 20's, I'm recommending an S&P 500 index fund with dollar cost averaging. They can easily weather the short-term market downturns given their investment horizon whereas that would be catastrophic to my personal retirement planning.

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

Post by BobDaBlob »

Down 15% YTD...
AA is approx 70/20/10
58, retired 3+ years, not losing sleep
Too much of everything is just enough...
radiowave
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Re: What are you up YTD? [Year To Date]

Post by radiowave »

-18.5% YTD in a classic 60/40 3 fund VTSAX, VBTLX, VTIAX portfolio
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benway
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Re: What are you up YTD? [Year To Date]

Post by benway »

Down -13.95% (not counting contributions).

My benchmark is down -15.22%.
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Candor
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Re: What are you up YTD? [Year To Date]

Post by Candor »

-11.55%
53/24/23 equities/bonds/CD's & I bonds
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livesoft
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Re: What are you up YTD? [Year To Date]

Post by livesoft »

radiowave wrote: Sat Jul 02, 2022 1:15 pm -18.5% YTD in a classic 60/40 3 fund VTSAX, VBTLX, VTIAX portfolio
Now that is quite interesting to me since the 60/40 funds used as benchmark portfolios that I mentioned on 07/01/2022 just above in this thread have different performances than that. Any insights that you might share of why you think your portfolio is different from all of those? Thanks.
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notoriousMG
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Re: What are you up YTD? [Year To Date]

Post by notoriousMG »

rate of returns (TIIA Your personal rate of return is the amount gained or lost divided by cash flow, which includes your contributions or withdrawals.)

-10.60% on employer retirement plan

28.40% annuities
47.01% equities (VIIX)
5.58% fixed income (PRRX)
19.37% money market

On my brokerage account, they make it impossible to read easily. It contains solo 401k (VHYAX), Roth (VFTAX/VTSAX), and some other post-tax money that is my sandbox (VFTAX/VSGX). With my $6k contribution that went in April to the Roth, I am upside down 6.75%, so around 19% in reality...

I am either 5 years away from disability or 11 years away from early retirement, whichever comes first. Hence the annuities and cash...
radiowave
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Re: What are you up YTD? [Year To Date]

Post by radiowave »

livesoft wrote: Sat Jul 02, 2022 1:34 pm
radiowave wrote: Sat Jul 02, 2022 1:15 pm -18.5% YTD in a classic 60/40 3 fund VTSAX, VBTLX, VTIAX portfolio
Now that is quite interesting to me since the 60/40 funds used as benchmark portfolios that I mentioned on 07/01/2022 just above in this thread have different performances than that. Any insights that you might share of why you think your portfolio is different from all of those? Thanks.
The -18.5% was the entire portfolio, not any specific fund.
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livesoft
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Re: What are you up YTD? [Year To Date]

Post by livesoft »

radiowave wrote: Sat Jul 02, 2022 4:57 pmThe -18.5% was the entire portfolio, not any specific fund.
Yes, I understood that already.
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jay22
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Re: What are you up YTD? [Year To Date]

Post by jay22 »

Down about 25% YTD.

Made some bad trades in June with energey stocks. :-( The temptation to catch a falling knife is an incredible thing - learning it again & again this year.

Investing is simple but not easy.
gubernaculum
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Re: What are you up YTD? [Year To Date]

Post by gubernaculum »

marti038 wrote: Wed Jun 22, 2022 3:22 pm Down 35.14% in 2022. 100% stocks, a lot of which are techs.

Made a killing in 2019 and 2020. Seeing the other side of that now, but I haven't sold anything and don't plan to.
Yep. Same boat.
Osprey
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Re: What are you up YTD? [Year To Date]

Post by Osprey »

Down 11.3% for year to date through end of June. Asset allocation has fallen from 54S\46B and thinking about rebalancing.
Zeno
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Re: What are you up YTD? [Year To Date]

Post by Zeno »

We're down 12.7% YTD, which is about 7X. AA target is 65/32/3 with 5% bands and while we have flirted with the downside rebalancing trigger we haven't had to rebalance yet.
Last edited by Zeno on Mon Jul 04, 2022 7:25 am, edited 1 time in total.
ValuationsMatter
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Re: What are you up YTD? [Year To Date]

Post by ValuationsMatter »

Sat out of 2021, for the most part, ended up making about 6-7%. Started DCA'ing back in this year and am down about the same amount. All in all, I'm right where everyone else seems to be... back to end of 2020 in net worth, only slightly up due to contributions.
Last edited by ValuationsMatter on Mon Jul 04, 2022 9:40 am, edited 1 time in total.
Wannaretireearly
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Re: What are you up YTD? [Year To Date]

Post by Wannaretireearly »

Got me to peek. Down 17% in most accounts. 90/10 ish.
At least my bonus will buy some cheap stocks this month!
Death and taxes. Only one is under your control!
Zeno
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Re: What are you up YTD? [Year To Date]

Post by Zeno »

jamesja wrote: Sat Jul 02, 2022 9:46 am Up 24.87%. On January 10 went 100% into BIVIX (Invenomic Fund) ... Market hit extreme level during December 2020 at which point I went 100% into small cap bank stocks for the year ... Then in January of this year I learned of the Invenomic Fund and switched 100% of my money into it. My goal is to stay in this fund until FRED data (https://fred.stlouisfed.org/graph/?g=qis) shows significant change in non-institutional money flow at which point I will switch into an S&P 500 fund.

Bear in mind I am 61 years old and four years away from retirement. My risk profile may be different from other investors. For my children in their early 20's, I'm recommending an S&P 500 index fund with dollar cost averaging. They can easily weather the short-term market downturns given their investment horizon whereas that would be catastrophic to my personal retirement planning.
This is quite a remarkable story. It looks like BIVIX is down 8% in the past month. Will you report back on the future day you presumably make a 100% exit from BIVIX and back into a S&P index fund?
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