What are you up YTD? [Year To Date]

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

Post by pasadena »

CletusCaddy wrote: Wed Jan 01, 2025 8:29 pm
pasadena wrote: Wed Jan 01, 2025 8:14 pm Happy New Year Bogleheads!

According to Fidelity, my 2024 overall performance is +17.90% for a ~80/20 portfolio.

Interesting numbers this year. I kind of missed the first quarter run-up in stocks because I front-load my 401(k) and basically only buy bonds and international stocks during that period. After that, from April to December, I only buy US stocks (and rebalance).
VASGX, the Vanguard 80/20 fund, was only up 13.2% in 2024.

Congratulations on the outperformance!
Thanks! That got me curious, so I modeled my "benchmark" portfolio:
- 64% VTI
- 16% VXUS
- 20% BND
- Reinvested dividends and rebalancing using 5/25 bands

And the result is +16%, which is close enough!

If I model the same with 48/32/20 (roughly market cap, what Vanguard uses) it gets down to 12.6% (without international bonds, which are included in VASGX).

(I also went back to Fidelity and excluded my "fun money account" from the overall performance, because it's always a little messed up due to receiving my ESPP and RSU shares. Edited my 17.90% to 17.46%.)
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Ralph Furley
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Re: What are you up YTD? [Year To Date]

Post by Ralph Furley »

My 50/50 portfolio is up 15.7% for 2024.
RyeBourbon
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Re: What are you up YTD? [Year To Date]

Post by RyeBourbon »

camper wrote: Wed Jan 01, 2025 10:52 am 2024 XIRR 12.80%
Same!
Retired June 2023. LMP (TIPS Ladder/SS Bridge) 25%/Risk Portfolio 75%, target AA = 65/30/5
Chicagoprof
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Re: What are you up YTD? [Year To Date]

Post by Chicagoprof »

65% equities/ 34% bonds and 1% cash. Equities are 67% VTI/ 33% VXUS. Bonds 70% BND, 30% BNDX. Vanguard tells me my return for 2024 was 11.6%. [Correction: Vanguard update after holiday suggests it was 12.3%].
Last edited by Chicagoprof on Fri Jan 03, 2025 9:26 am, edited 1 time in total.
peterp
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Re: What are you up YTD? [Year To Date]

Post by peterp »

Up 3.7% YTD

In 2004, very early in my career, I was thinking to retire by 2030. I had a small house and small family and didn't really like my job.
By 2013 I had a much bigger family, a bigger house, and really enjoyed my job. I was thinking to retire by 2039.
Now I have an even bigger family (grandkids, even) and more expensive house, and I like my job. But I'm thinking it'll work retire by 2035. We'll see.
Buy and hold principles continue to serve me well. Life is good.
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iceport
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Re: Past 3 years CAGR to December 31, 2024

Post by iceport »

livesoft wrote: Wed Jan 01, 2025 9:02 am So not better than holding cash for 3 years:
3.94% VMFXX Vanguard Federal Money Market fund
Imagine that! Those professionally designed balanced portfolios all outperformed by the lowly money market fund!

One of the very few things I remember from Econ 101 — I just couldn't get interested — was the prof extolling the virtues of money market funds at the time, in 1981. It took a few decades, but the downtrodden money market funds have become virtuous once again. We'll have to see how long that lasts.
"Discipline matters more than allocation.” |—| "In finance, if you’re certain of anything, you’re out of your mind." ─William Bernstein
Incognito
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Re: Past 3 years CAGR to December 31, 2024

Post by Incognito »

livesoft wrote: Wed Jan 01, 2025 9:02 am And since they are easy to look up here are the CAGR performances over the past 3 years of those same 60/40 funds (from Morningstar)
(31 December 2022 to 31 December 2024) returns of a few 60/40 funds for your viewing and benchmarking pleasure.

2.29% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
3.84% VBIAX Vanguard Balanced Index fund, has US only and no international
3.88% DGSIX DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation
2.41% SWBGX Schwab MarketTrack Balanced 60/40, a balanced fund of index funds
2.62% AOR iShares Core Growth Allocation ETF 60/40 (NAV, not price)

The performance of a 60/40 portfolio continues to vary by quite a bit depending on how the 60/40 is constituted.

So not better than holding cash for 3 years:
3.94% VMFXX Vanguard Federal Money Market fund

Over the past 3 years maybe some MYGA holders or TIAA traditional annuity participants did better?

(31 December 2022 to 31 December 2024) - it's only a 2-year period. Did you mean from 31 December - 2021?
mudd
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Re: Past 3 years CAGR to December 31, 2024

Post by mudd »

iceport wrote: Fri Jan 03, 2025 7:34 am
livesoft wrote: Wed Jan 01, 2025 9:02 am So not better than holding cash for 3 years:
3.94% VMFXX Vanguard Federal Money Market fund
Imagine that! Those professionally designed balanced portfolios all outperformed by the lowly money market fund!

One of the very few things I remember from Econ 101 — I just couldn't get interested — was the prof extolling the virtues of money market funds at the time, in 1981. It took a few decades, but the downtrodden money market funds have become virtuous once again. We'll have to see how long that lasts.
I remember CD's paying 18-21% around that time frame...
livesoft
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Re: Past 3 years CAGR to December 31, 2024

Post by livesoft »

Incognito wrote: Fri Jan 03, 2025 10:13 am(31 December 2022 to 31 December 2024) - it's only a 2-year period. Did you mean from 31 December - 2021?
Yes and no. I meant January 1, 2022. :)
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bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf »

For 2024, Portfolio up 15.8%. Benchmark Vanguard 2050 TDF up 14.6%.

My modified HFEA up 19.3%.

Numbers were all better ending in November but December was a rough month.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
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Metsfan91
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Re: What are you up YTD? [Year To Date]

Post by Metsfan91 »

For the year 2024, I am up 13.64%. All equity. 65/35 US/Ex-US. A loss of of -6.47% for December.
Metsfan91 wrote: Sat Nov 30, 2024 5:16 pm At the end of month, November, I am up 20.11% YTD. All equity. 55/45 US/Ex-US
Metsfan91 wrote: Fri Nov 01, 2024 7:33 am At the end of month, October, I am up 12.69% YTD. A loss of -3.31% for the month. All equity. 55/45 US/Ex-US
#3 - 2024 bogleheads contest - ranked 3rd. | | | "Know what you own, and know why you own it." — Peter Lynch
BV3273
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Re: What are you up YTD? [Year To Date]

Post by BV3273 »

For 2024 I was up 31.74%.

I tweaked my portfolio a bit, hence out performing just the benchmark of S&P500.
Silverado
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Re: What are you up YTD? [Year To Date]

Post by Silverado »

I rarely talk straight percentages since to me only dollars matter, not percentages. Since we only do index funds, Beardstown style makes better sense. For 2024 our investments were up right at 12 times (yes, yes, I know, that’s 1200%) what we spent for the year. Still working. 2023 was about seven times. Darn good two year run.

Now that we have glided down to 65% equities from around 90% in 2024, I anticipate way “worse” reporting in a year, especially since I plan to retire in a couple months.
retire2022
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Re: What are you up YTD? [Year To Date]

Post by retire2022 »

1 year $789,540.57 at 29.1%

3 year $908,023.75 10.5%

5 year $1,356,723.57 at 13.6%

10 year $1,513,708.97 at 11.9%

Beginning balance $2,761,306.99

Deposits & withdrawals -$77,085.21

Ending balance $3,473,762.35

retired in 2021 at 61, pension 66K a year, not collecting SSA until 70

VOO 43.89%, VGT 33.81%, AAPL 14.03%, NVDA 5.74% and 2.5% cash
rkhusky
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Re: What are you up YTD? [Year To Date]

Post by rkhusky »

My 40/60 portfolio was up 13.3% this year, but 7.3% was added and 2.2% withdrawn, so the portfolio return is about 8.2%.

My benchmark is Vanguard LifeStrategy Conservative Growth (40/60), which returned 7.5%.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Silverado wrote: Fri Jan 03, 2025 3:58 pm I rarely talk straight percentages since to me only dollars matter, not percentages. Since we only do index funds, Beardstown style makes better sense. For 2024 our investments were up right at 12 times (yes, yes, I know, that’s 1200%) what we spent for the year. Still working. 2023 was about seven times. Darn good two year run.

Now that we have glided down to 65% equities from around 90% in 2024, I anticipate way “worse” reporting in a year, especially since I plan to retire in a couple months.
Congratulations on your imminent retirement :D
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Metsfan91
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Re: What are you up YTD? [Year To Date]

Post by Metsfan91 »

At the end of month, January, my portfolio is up 2.69%. All equity. 65/35 US/Ex-US
#3 - 2024 bogleheads contest - ranked 3rd. | | | "Know what you own, and know why you own it." — Peter Lynch
livesoft
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[Year To Date] January 31, 2025

Post by livesoft »

YTD (31 January 2025) returns of a few 60/40 funds for your viewing and benchmarking pleasure.

2.11% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
2.10% VBIAX Vanguard Balanced Index fund, has US only and no international
1.96% DGSIX DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation
2.05% SWBGX Schwab MarketTrack Balanced 60/40, a balanced fund of index funds
2.06% AOR iShares Core Growth Allocation ETF 60/40 (NAV, not price)

The performance of a 60/40 portfolio continues to vary by quite a bit depending on how the 60/40 is constituted.

Also note:
1.84% AVUV Avantis US Small Cap Value ETF
5.90% MTUM iShares MSCI USA Momentum Factor ETF

3.09% VTSAX Vanguard Total US Stock Market
3.34% VTIAX Vanguard Total International Stock Market
0.64% VBTLX Vanguard US Bond Index fund
0.55% VSCSX Vanguard Short-Term Corporate Bond Index fund
1.24% VAIPX Vanguard Inflation-Protected Securities fund
0.48% VWITX Vanguard Intermediate-Term Tax-Exempt fund

0.36% VMFXX Vanguard Federal Money Market fund

0.23% QREARX TIAA Real Estate [off to a strong (sic) start!\
1.66% VGSLX Vanguard Real Estate Index fund

[Corrections welcome!]
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TnGuy
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Re: What are you up YTD? [Year To Date]

Post by TnGuy »

2.98% - (returns only)


David
"Money will not make you happy. And happy will not make you money." - Groucho Marx
mudd
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Re: What are you up YTD? [Year To Date]

Post by mudd »

mudd wrote: Wed Jan 01, 2025 12:09 pm
mudd wrote: Sun Dec 01, 2024 8:55 pm

November in the books -
Stocks in my Roth - +5.85%
Roths Overall - +5.52%
Net Worth Overall - +4.94% (doesn't include house,cars etc)
December in the books - 2024 Final

Stocks in my Roth - +0.45%
Roths Overall - +2.47%
Net Worth Overall - +3.52% (doesn't include house,cars etc)

Yes 2024 sucked for me and I would have been better off in a whole market ETF.
Not as bad as 2022 tho...
My stocks were up 105.37% in 2023 so overall I'm still ahead of the game!
January 2025 in the books

Stocks in my Roth - -0.37%
Roths Overall - -0.11%
Net Worth Overall - +0.85% (doesn't include house,cars etc)
bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf »

3.1%. my modified HFEA up 3.5%.

Benchmark VFIFX 2.9%.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
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Beensabu
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Re: What are you up YTD? [Year To Date]

Post by Beensabu »

Yet another month of underperforming my benchmark YTD. Only 6 years left to go.
"The only thing that makes life possible is permanent, intolerable uncertainty; not knowing what comes next." ~Ursula LeGuin
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