What are you up YTD? [Year To Date]
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Re: What are you up YTD? [Year To Date]
Rough numbers for 2021:
YTD including inflows -> 25%
YTD removing the inflows -> 22%
Portfolio is a messy 85/15 that I’m working to simplify.
YTD including inflows -> 25%
YTD removing the inflows -> 22%
Portfolio is a messy 85/15 that I’m working to simplify.
Re: What are you up YTD?
berntson wrote: ↑Tue Aug 26, 2014 3:28 pm One of the best decisions I made was eliminating any easy way to track my portfolio's returns. I keep track of contributions and check my returns once at the end of the year using the XIRR function. This makes investing even more boring than it already was (a good thing!).
Last edited by Carousel on Mon Jan 10, 2022 12:48 pm, edited 1 time in total.
Re: What are you up YTD? [Year To Date]
Curious. Where do you get the info to pick/follow stocks? What is your background/how did you learn to do this? Particular website/service?investorpeter wrote: ↑Mon Nov 01, 2021 6:59 pm About 18 stocks. I just accept the idiosyncratic risk in exchange for the potential of higher returns. I have the time and inclination right now to follow my holdings relatively closely (at least the largest positions), but the goal is to convert to SP500 equity index funds over time.
Re: What are you up YTD? [Year To Date]
It matters just to see how you are doing against the benchmark. You assume you are doing 25-30% but what if you were actually doing 7%? Wouldn’t you want to know?novolog wrote: ↑Wed Dec 08, 2021 1:07 pmcertainly one needs to be clear on their definitions/terms.ruralavalon wrote: ↑Wed Dec 08, 2021 11:26 amIt is a classic example of how not to compute investment returns, but it made sense to the Beardstown Business and Professional Women's Investment Club.
but why would any private individual (no clients) care about anything other than the raw appreciation of their total net worth?
my net worth has increased 58% this year.
couldn't tell you what the appreciation on the cost basis is because it literally makes no difference to me. it's probably sitting around 25-30% just like everyone else that owns assets in this market and has two thumbs.
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Re: What are you up YTD? [Year To Date]
No one brags about being down, but I will!
+4.88% at the moment, but after inflation that means I'm -1%, and with taxes down even more.
I started the year with less in TIPS and stocks than I have now, and from Portfolio Visualizer, I see that if I had started the year with my current portfolio, I would have been approx +7.19%, inflation adjusted +0.94% (at least from beginning of year till November).
My portfolio is now vaguely 65% TIPS, 25% wacky mix of stocks, 10% cash.
+4.88% at the moment, but after inflation that means I'm -1%, and with taxes down even more.
I started the year with less in TIPS and stocks than I have now, and from Portfolio Visualizer, I see that if I had started the year with my current portfolio, I would have been approx +7.19%, inflation adjusted +0.94% (at least from beginning of year till November).
My portfolio is now vaguely 65% TIPS, 25% wacky mix of stocks, 10% cash.
Re: What are you up YTD? [Year To Date]
Wow, that's pretty conservative portfolio. I'm guessing you want sleep better at night?Robot Monster wrote: ↑Wed Dec 08, 2021 4:19 pm No one brags about being down, but I will!
+4.88% at the moment, but after inflation that means I'm -1%, and with taxes down even more.
I started the year with less in TIPS and stocks than I have now, and from Portfolio Visualizer, I see that if I had started the year with my current portfolio, I would have been approx +7.19%, inflation adjusted +0.94% (at least from beginning of year till November).
My portfolio is now vaguely 65% TIPS, 25% wacky mix of stocks, 10% cash.
Re: What are you up YTD? [Year To Date]
no not really because i don't see what would be actionable from it.bogcir wrote: ↑Wed Dec 08, 2021 4:16 pmIt matters just to see how you are doing against the benchmark. You assume you are doing 25-30% but what if you were actually doing 7%? Wouldn’t you want to know?novolog wrote: ↑Wed Dec 08, 2021 1:07 pmcertainly one needs to be clear on their definitions/terms.ruralavalon wrote: ↑Wed Dec 08, 2021 11:26 amIt is a classic example of how not to compute investment returns, but it made sense to the Beardstown Business and Professional Women's Investment Club.
but why would any private individual (no clients) care about anything other than the raw appreciation of their total net worth?
my net worth has increased 58% this year.
couldn't tell you what the appreciation on the cost basis is because it literally makes no difference to me. it's probably sitting around 25-30% just like everyone else that owns assets in this market and has two thumbs.
what change would i ever make if the assets i'm holding are only up 7% YTD? seems like i would continue to buy the same assets in the same amounts anyways. like most bogleheads i take what the market gives me.
i am more concerned with my net worth (and therefore net worth growth). i have a number i would like it to be. every year i get closer. once i hit that number many things in my life will change.
S&P 500 + Bitcoin
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Re: What are you up YTD? [Year To Date]
Yes. What I can psychologically handle in a downturn was the big consideration.jarjarM wrote: ↑Wed Dec 08, 2021 4:27 pmWow, that's pretty conservative portfolio. I'm guessing you want sleep better at night?Robot Monster wrote: ↑Wed Dec 08, 2021 4:19 pm No one brags about being down, but I will!
+4.88% at the moment, but after inflation that means I'm -1%, and with taxes down even more.
I started the year with less in TIPS and stocks than I have now, and from Portfolio Visualizer, I see that if I had started the year with my current portfolio, I would have been approx +7.19%, inflation adjusted +0.94% (at least from beginning of year till November).
My portfolio is now vaguely 65% TIPS, 25% wacky mix of stocks, 10% cash.
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Re: What are you up YTD? [Year To Date]
I mostly get ideas based from my life experiences, and then do my own research on the internet from sites like Morningstar, Fidelity, watching YouTube, reading 10-Ks and Qs, Bogleheads and other forums, etc. I read the financial news (Barron's, WSJ, Bloomberg) daily, but one strict rule I have is that I never make any investments based on what I read in the financial news, because so much of the financial news is being pushed by someone with an agenda.Carousel wrote: ↑Wed Dec 08, 2021 4:01 pmCurious. Where do you get the info to pick/follow stocks? What is your background/how did you learn to do this? Particular website/service?investorpeter wrote: ↑Mon Nov 01, 2021 6:59 pm About 18 stocks. I just accept the idiosyncratic risk in exchange for the potential of higher returns. I have the time and inclination right now to follow my holdings relatively closely (at least the largest positions), but the goal is to convert to SP500 equity index funds over time.
My career background has nothing to do with finance, but I've always been interested in stocks, technology, and finance since the 1990s dot.com era. Books that were most influential for me were Peter Lynch's "One Up On Wall St" and anything Warren Buffett has written or said. I have never seriously considered any advertised stock picking service or training program. They just all seem so gimmicky. Over time, I have learned from my many mistakes, and have adopted a style that works best for my personality and temperament. What has worked best for me is to focus on long-term technological trends and then to buy and hold as long as possible. Also, a key turning point for me was learning how to track my own performance. So far, investing in individual stocks has worked out really well for me, to the point that I have been able to retire at least a decade before originally planned. But I also recognize this could all just be due to dumb luck. And I wouldn't recommend this path to most people. Eventually, my goal is to convert all my holdings to a plain vanilla 2-fund portfolio of VOO/BND.
Update: 54.09% YTD
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Re: What are you up YTD? [Year To Date]
100% equity up 10.81% hurt by being out of the market for 4 months with part of assets (trying to harvest gains in advance of what I thought would be some tax law changes which never happened)
But my return is very close to my long term return over 10 years so I am okay with it.
But my return is very close to my long term return over 10 years so I am okay with it.
Re: What are you up YTD? [Year To Date]
Portfolio is up 18% ytd.
An eye opener to me in calculating this, is our investments has gone up ytd more than 10X the amount we withdraw for cover our expenses, more than 2x our earnings before retirement 5 years ago.
An eye opener to me in calculating this, is our investments has gone up ytd more than 10X the amount we withdraw for cover our expenses, more than 2x our earnings before retirement 5 years ago.
Re: What are you up YTD? [Year To Date]
Because you're measuring two different things: your added "savings" on the one hand, your portfolio performance on the other.
I put "savings" between quotes because if I go to Vegas and come back with $$$ from the blackjack table and I add this to my portfolio, it adds up to my net worth but has nothing to do with my investment performance.
Beardstown Ladies accounting.
Better lucky than smart.
Re: What are you up YTD? [Year To Date]
You may consider spending more lol. Beware "richest man in the graveyard" syndrome.
Better lucky than smart.
Re: What are you up YTD? [Year To Date]
Re: What are you up YTD? [Year To Date]
It is actionable. Let’s say you are 100% stock and the s&p did 25% this year and you did 7%. I would seriously re evaluate why that was. Even if it’s “I forgot to invest a bunch of cash”. It’s a sanity check, not just for purposeful decisions but also for things you might not have meant to do.novolog wrote: ↑Wed Dec 08, 2021 4:30 pmno not really because i don't see what would be actionable from it.bogcir wrote: ↑Wed Dec 08, 2021 4:16 pmIt matters just to see how you are doing against the benchmark. You assume you are doing 25-30% but what if you were actually doing 7%? Wouldn’t you want to know?novolog wrote: ↑Wed Dec 08, 2021 1:07 pmcertainly one needs to be clear on their definitions/terms.ruralavalon wrote: ↑Wed Dec 08, 2021 11:26 amIt is a classic example of how not to compute investment returns, but it made sense to the Beardstown Business and Professional Women's Investment Club.
but why would any private individual (no clients) care about anything other than the raw appreciation of their total net worth?
my net worth has increased 58% this year.
couldn't tell you what the appreciation on the cost basis is because it literally makes no difference to me. it's probably sitting around 25-30% just like everyone else that owns assets in this market and has two thumbs.
what change would i ever make if the assets i'm holding are only up 7% YTD? seems like i would continue to buy the same assets in the same amounts anyways. like most bogleheads i take what the market gives me.
i am more concerned with my net worth (and therefore net worth growth). i have a number i would like it to be. every year i get closer. once i hit that number many things in my life will change.
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Re: What are you up YTD? [Year To Date]
Gains including inflows: $277,000
Gains excluding inflows: $175,000
Has been a great year! Let's hope for an equally great 2022
Gains excluding inflows: $175,000
Has been a great year! Let's hope for an equally great 2022
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Re: What are you up YTD? [Year To Date]
Not quite sure. But 2 rollover IRAs with no new contributions for years are both up around 30% in value over 2 years. Both of these accounts are highly diversified with US, International, and bonds. This includes some SCV tilts and other non-Bogle type investments. Other account have continuous contributions so not really able to figure it out as a whole very easily.
- AnnetteLouisan
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Re: What are you up YTD? [Year To Date]
Up 27 percent in my stock index funds.
Up $170,000 in net worth just this year, as of November. A record.
Grateful for all of it, health, family and this amazing forum.
Salary: up. Bonus: up. Health: up. Knowledge: up. mood: up!
Enjoy the season everyone!
Up $170,000 in net worth just this year, as of November. A record.
Grateful for all of it, health, family and this amazing forum.
Salary: up. Bonus: up. Health: up. Knowledge: up. mood: up!
Enjoy the season everyone!
Last edited by AnnetteLouisan on Sat Dec 11, 2021 3:46 pm, edited 1 time in total.
Re: What are you up YTD? [Year To Date]
+ 11.85% YTD (with no contributions or withdrawals, and generally hovering around 63% equity)
The total bond market index fund is the one major performance drag on the fixed income side.
On the equity side, emerging markets and international real estate are the major drags for the year, though all of my international allocations have under-performed all US allocations.
If I had put every last penny in Vanguard's REIT index fund, I'd be up 33.88% right now.
The total bond market index fund is the one major performance drag on the fixed income side.
On the equity side, emerging markets and international real estate are the major drags for the year, though all of my international allocations have under-performed all US allocations.
If I had put every last penny in Vanguard's REIT index fund, I'd be up 33.88% right now.
"Discipline matters more than allocation.” |—| "In finance, if you’re certain of anything, you’re out of your mind." ─William Bernstein
Re: What are you up YTD? [Year To Date]
Onwards and upwards!AnnetteLouisan wrote: ↑Sat Dec 11, 2021 10:51 am Up 27 percent in my stock index funds.
Up $170,000 in net worth just this year, as of November. A record.
Grateful for all of it, health, family and this amazing forum.
Salary: up. Bonus: up. Health: up. mood: up!
Enjoy the season everyone!
I had money, I had none. I had money, I had none. But I never been so broke that I couldn't leave town. (Jim, Ray, Robby, John)
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Re: What are you up YTD? [Year To Date]
21%. Mostly in S and P index 75% and International MF 25%
Re: What are you up YTD? [Year To Date]
2021 Portfolio Return (As of December 29, 2021)
47% US Stocks XIRR = 26.3%
34% Vanguard Total Stock, XIRR = 28.3%
3% Vanguard Mid Cap, XIRR = 22.4%
7% Vanguard Small Cap, XIRR = 14.7%
3% Vanguard REIT, XIRR = 39.0%
24% Vanguard Total Intl, XIRR = 8.4%
26% Bonds XIRR = -1.3%
23% Vanguard Total Bond, XIRR = -1.9%
3% Vanguard Inflation Protected, XIRR = 5.2%
3% Cash / Vanguard Cash Reserves, XIRR = 0%
2021 Total Portfolio XIRR = 12.7%
2010-2020 Total Portfolio XIRR = 8.5%
2010-2021 Total Portfolio XIRR = 9.0%
47% US Stocks XIRR = 26.3%
34% Vanguard Total Stock, XIRR = 28.3%
3% Vanguard Mid Cap, XIRR = 22.4%
7% Vanguard Small Cap, XIRR = 14.7%
3% Vanguard REIT, XIRR = 39.0%
24% Vanguard Total Intl, XIRR = 8.4%
26% Bonds XIRR = -1.3%
23% Vanguard Total Bond, XIRR = -1.9%
3% Vanguard Inflation Protected, XIRR = 5.2%
3% Cash / Vanguard Cash Reserves, XIRR = 0%
2021 Total Portfolio XIRR = 12.7%
2010-2020 Total Portfolio XIRR = 8.5%
2010-2021 Total Portfolio XIRR = 9.0%
Trust yourself, Break the rules, Don't be afraid to fail, Don't listen to naysayers, Work your butt off. "It is in your moments of decision that your destiny is shaped. Choose now and well"
Re: What are you up YTD? [Year To Date]
Roths are up 17%. No additions or withdrawals.
taxable is up 12%, but this includes additions and withdrawals.
Retired over 7 years.
taxable is up 12%, but this includes additions and withdrawals.
Retired over 7 years.
Re: What are you up YTD? [Year To Date]
Nice numbers on the surface. Subtract the +6% inflation this year.
Marty....don't go to the year 2020....Dr. Emmett Brown
Re: What are you up YTD? [Year To Date]
Retired, so cash flows only go out, and we also did a large Roth conversion in Jan
Balances are +46.6% for the year
80% individual stocks
20% LEAPs expiring Jan 2022
Balances are +46.6% for the year
80% individual stocks
20% LEAPs expiring Jan 2022
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Re: What are you up YTD? [Year To Date]
First year I started to track with a spreadsheet.
- Up 38% including inflow.
- Contribution this year: 16% of my 1.1.2021 portfolio
- The first year that appreciation is greater than my savings
- I'm amazed, but wish I started earlier to save in index funds.
- Up 38% including inflow.
- Contribution this year: 16% of my 1.1.2021 portfolio
- The first year that appreciation is greater than my savings
- I'm amazed, but wish I started earlier to save in index funds.
Re: What are you up YTD? [Year To Date]
YTD: 18% (US equity/International Equity/Bonds).
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Re: What are you up YTD? [Year To Date]
Another excellent year
12/31/2021, no W-2 income
YTD: +12x yearly expenses.
12/31/2021, no W-2 income
YTD: +12x yearly expenses.
Re: What are you up YTD? [Year To Date]
YTD (31 December 2021) returns of a few 60/40 funds for your viewing pleasure:
+10.08% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
+14.22% VBIAX Vanguard Balanced Index fund, has US only and no international
+13.52% DGSIX, DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation
The performance of a 60/40 portfolio varies by quite a bit depending on how the 60/40 is constituted.
Also note:
+42.23% AVUV Avantis US Small Cap Value ETF
+13.37% MTUM iShares MSCI USA Momentum Factor ETF
+25.71% VTSAX Vanguard Total US Stock Market
+08.62% VTIAX Vanguard Total International Stock Market
-01.67% VBTLX Vanguard US Bond Index fund
+10.08% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
+14.22% VBIAX Vanguard Balanced Index fund, has US only and no international
+13.52% DGSIX, DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation
The performance of a 60/40 portfolio varies by quite a bit depending on how the 60/40 is constituted.
Also note:
+42.23% AVUV Avantis US Small Cap Value ETF
+13.37% MTUM iShares MSCI USA Momentum Factor ETF
+25.71% VTSAX Vanguard Total US Stock Market
+08.62% VTIAX Vanguard Total International Stock Market
-01.67% VBTLX Vanguard US Bond Index fund
Re: What are you up YTD? [Year To Date]
For 2021 I pretended to be a mutual-fund manager and threw together a make-believe portfolio of no fewer than 20 stocks to see if beating the market is as easy as Peter Lynch makes it out to be. I didn't research the companies very much other than to make sure they had a positive EPS at the time of inclusion. I didn't "swing for the fences" or try to pick "10-baggers" or "disruptive" companies. No obscure companies that no one has ever heard of. Just well-known, established companies. Results for calendar-year 2021:
Wilshire 5000 index: 22.8%
S&P 500 index: 26.6%
Make-believe portfolio: 32.7%
All of the stocks were chosen without regard to past returns. No cheating.
No Tesla. Low-tech companies like Union Pacific railroad.
Was the market-beating return for 2021 the result of luck or skill or both? That is a question for the ages which cannot be answered satisfactorily.
For 2022 I'm adding:
Merck (MRK)
Kinder Morgan (KMI)
Auto Zone (AZO)
and eliminating BRK.B.
In my real-money portfolio I'm sticking with index funds.
Wilshire 5000 index: 22.8%
S&P 500 index: 26.6%
Make-believe portfolio: 32.7%
All of the stocks were chosen without regard to past returns. No cheating.
No Tesla. Low-tech companies like Union Pacific railroad.
Was the market-beating return for 2021 the result of luck or skill or both? That is a question for the ages which cannot be answered satisfactorily.
Code: Select all
1 NKE 16.7% Nike Inc
2 QCOM 19.5% QUALCOMM, Inc.
3 UNP 21.1% Union Pacific Corporation
4 GOOGL 64.6% Alphabet Inc Class A
5 REGN 29.7% Regeneron Pharmaceuticals Inc
7 ROST -6.7% Ross Stores, Inc.
8 AMZN 2.0% Amazon.com, Inc.
9 AAPL 33.0% Apple Inc
10 BRK.B 29.0% Berkshire Hathaway Inc. Class B
11 ORLY 55.5% O'Reilly Automotive Inc
12 LRCX 50.4% Lam Research Corporation
13 NVDA 124.4% NVIDIA Corporation
14 CHTR -2.2% Charter Communications Inc
15 FB 22.4% Meta Platforms Inc
16 AXP 34.9% American Express Company
17 MSFT 51.1% Microsoft Corporation
18 HSY 26.4% Hershey Co
19 GS 71.9% Goldman Sachs Group Inc
20 NFLX 11.8% Netflix Inc
21 SHOP 21.0% Shopify Inc
22 ADP 40.1% Automatic Data Processing Inc
23 KLAC 64.1% KLA Corp
24 PEP 18.2% PepsiCo, Inc.
26 V -1.6% Visa Inc
27 MRNA 15.3% Moderna Inc
28 AVGO 51.5% Broadcom Inc
29 BLK 25.3% BlackRock, Inc.
30 FDX -0.7% FedEx Corporation
31 PFE 60.2% Pfizer Inc.
Merck (MRK)
Kinder Morgan (KMI)
Auto Zone (AZO)
and eliminating BRK.B.
In my real-money portfolio I'm sticking with index funds.
Last edited by chris319 on Sat Jan 01, 2022 8:22 am, edited 1 time in total.
Financial decisions based on emotion often turn out to be bad decisions.
Re: What are you up YTD? [Year To Date]
up $325000. plus took out $60000 to build up cash. I'm 68 need 36000 from Ira so I made 10 years of living in 1 year. Bout Apple when it split 4 ways...
- Cheez-It Guy
- Posts: 4007
- Joined: Sun Mar 03, 2019 3:20 pm
Re: What are you up YTD? [Year To Date]
0% so far in 2022.
- canadianbacon
- Posts: 677
- Joined: Sun Nov 10, 2019 9:04 pm
Re: What are you up YTD? [Year To Date]
Ended 2021 with an XIRR of 13.45%. Variety of index ETFs including bonds, and a slight dent (maybe ~1%) from Canada-US exchange rate.
Bulls make money, bears make money, pigs get slaughtered.
Re: What are you up YTD? [Year To Date]
D'oh, someone beat me to it! I suspect that will be the answer for some days.
Re: What are you up YTD? [Year To Date]
That's impressive! Happy 2022 to you and yours!carminered2019 wrote: ↑Fri Dec 31, 2021 6:26 pm Another excellent year
12/31/2021, no W-2 income
YTD: +12x yearly expenses.
I had money, I had none. I had money, I had none. But I never been so broke that I couldn't leave town. (Jim, Ray, Robby, John)
Re: What are you up YTD? [Year To Date]
I just finished my calculations.
Below are my numbers for 2021 and estimates for 2022.
The estimates are mainly for me to plan the allocation ratio I wish to achieve.
My current allocation is 45% and my plan is to hit 60% by end of next year.
2021 I managed to make 11% returns on investment and overall networth grew 18%.
For 2022, I am being conservative and estimating 6% returns on investment and 11.5% overall networth growth.
I plan to do value averaging into equities and get from 576k to 860k.
So the final amount of 860k is fixed, I expect 6% growth in markets and I will allocate 138k, out of this 70k will be new savings and remaining will be reallocation from bonds to equities.
This is the base case, but if there is lower growth or if there is crash, I reallocate more from my bonds to eventually hit the 860k. If markets rip up by more than 6% I reallocate less from my bonds to equities to get to 860k
All figures in SGD '000
Below are my numbers for 2021 and estimates for 2022.
The estimates are mainly for me to plan the allocation ratio I wish to achieve.
My current allocation is 45% and my plan is to hit 60% by end of next year.
2021 I managed to make 11% returns on investment and overall networth grew 18%.
For 2022, I am being conservative and estimating 6% returns on investment and 11.5% overall networth growth.
I plan to do value averaging into equities and get from 576k to 860k.
So the final amount of 860k is fixed, I expect 6% growth in markets and I will allocate 138k, out of this 70k will be new savings and remaining will be reallocation from bonds to equities.
This is the base case, but if there is lower growth or if there is crash, I reallocate more from my bonds to eventually hit the 860k. If markets rip up by more than 6% I reallocate less from my bonds to equities to get to 860k
All figures in SGD '000
Re: What are you up YTD? [Year To Date]
IRA: 28%
Roth IRA: 18%
Taxable: 21%
HSA: 35%
Coverdell: 34%
Wishing all success in 2022!
Roth IRA: 18%
Taxable: 21%
HSA: 35%
Coverdell: 34%
Wishing all success in 2022!
Re: What are you up YTD? [Year To Date]
For 2021:
Including inflows, I'm up 63.7% YTD in my brokerage account.
Total NW I'm up 27.6% YTD.
Including inflows, I'm up 63.7% YTD in my brokerage account.
Total NW I'm up 27.6% YTD.
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Re: What are you up YTD? [Year To Date]
Retired for the last 9 years
As of Dec 31, 2021 Brokerage account YTD=16%
Portfolio:
Starbucks 33% of portfolio
S&P 500 39%
Harbor Capital Appreciation 29%
Brokerage account is only about 10% of our investment portfolio
The rest is kept in our TSP accounts, which are falling behind inflation because 90% is in the G Fund.We can afford to be ultra-conservative because we live off our two federal pensions and SocSec. We don't depend on investments to provide any of our living expenses.
As of Dec 31, 2021 Brokerage account YTD=16%
Portfolio:
Starbucks 33% of portfolio
S&P 500 39%
Harbor Capital Appreciation 29%
Brokerage account is only about 10% of our investment portfolio
The rest is kept in our TSP accounts, which are falling behind inflation because 90% is in the G Fund.We can afford to be ultra-conservative because we live off our two federal pensions and SocSec. We don't depend on investments to provide any of our living expenses.
Re: What are you up YTD? [Year To Date]
16.6% time weighted return for 2021. 90/10 portfolio tracking Vanguard Target Date 2050, which returned 16.4%.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
- ruralavalon
- Posts: 26351
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
Age 76, retired, asset allocation is 50/50.
Total return of our portfolio is up 12.65% for 2021.
Best fund was Vanguard Small-cap Value (VSIAX) up 28.09% for 2021.
Total return of our portfolio is up 12.65% for 2021.
Best fund was Vanguard Small-cap Value (VSIAX) up 28.09% for 2021.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
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- Joined: Sun Jul 31, 2016 5:46 pm
Re: What are you up YTD? [Year To Date]
Non-Beardstown Math using Morningstar Portfolio Total Returns:
2021: 52.46%
2020: 87.94%
2019: 49.07%
2018: 8.84%
2017: 33.72%
2016: 12.79%
5-year annualized returns: 44.16%
Current holdings: 77% individual stocks (mostly large cap tech), 12% SP500 index funds, 10% cash/bonds
2021: 52.46%
2020: 87.94%
2019: 49.07%
2018: 8.84%
2017: 33.72%
2016: 12.79%
5-year annualized returns: 44.16%
Current holdings: 77% individual stocks (mostly large cap tech), 12% SP500 index funds, 10% cash/bonds
Re: What are you up YTD? [Year To Date]
For 2021: XIRR was 31%, CAGR was 23.5%
Stock/Bond was 83/17
Seems it drifted a bit from 80/20.
All index fund investing in 3-fund portfolio
Ages 40/60
Stock/Bond was 83/17
Seems it drifted a bit from 80/20.
All index fund investing in 3-fund portfolio
Ages 40/60
Re: What are you up YTD? [Year To Date]
Looks like the final number for 401k and IRA is 48.41%, not including contributions. Those accounts currently consist of about 53% in HFEA, about 30% PSLDX, with the remaining 17% split between a small cap, an international, and a total market MF. Brokerage feels a little harder to calculate since I took out a largish (relative to the small account size) margin loan to purchase a vehicle over the summer, so for laziness sake I'll leave that account out, but it has performed well as well. Very happy to be invested and to be on this forum. Looking forward to enjoying another year here.
Re: What are you up YTD? [Year To Date]
For 2021 - up 18.8%
70/30 AA
ETA - AA is more like 70 Stock, 11% Bonds, 10% Stable Value, 9% Savings/Checking/I-Bonds
70/30 AA
ETA - AA is more like 70 Stock, 11% Bonds, 10% Stable Value, 9% Savings/Checking/I-Bonds
Re: What are you up YTD? [Year To Date]
My annual dollar-weighted (XIRR) 2021 return was exactly 13.00%.
This beat my benchmark return of 11.77%.
Because the portfolio is managed passively using index funds, my benchmark is my target portfolio AA. The discrepancy arises because I hold most of my equities in a taxable account, and tax considerations have prevented me from rebalancing there and incurring a tax bill. So while my target AA is 56/44 equities/fixed income, in real life the whole year went by with equities somewhere between 63% and 64%, with US large cap significantly overweighted.
Closest comparable "un-tilted" benchmark from Vanguard is the Target Retirement 2030 Fund (VTHRX), with 64.74% equities, which returned 11.38% in 2021.
I think the biggest factor for beating that un-tilted benchmark was that a huge portion of my fixed income is in a stable value fund, which beat the total bond market fund by about 4% last year. This was a long overdue turn-around, because my fixed income allocation has been underperforming the total bond market fund for years, producing a classic "cash drag," compared to a Vanguard fund with a generic AA.
Assets held, sorted by annual 2021 return:
—1.67% - total bond market index fund ( <---- Not so very scary... folks make such a big deal of minor bond losses.)
0.86% - emerging markets index fund
2.45% - stable value (avg. return for the year)
5.68% - TIPS (intermediate term) fund
5.88% - international real estate index fund
11.43% - developed markets index fund
13.03% - international small cap index fund
17.73% - small cap index fund
25.71% - total stock market index fund
40.40% - REIT index fund
Happy New Year, everyone!
This beat my benchmark return of 11.77%.
Because the portfolio is managed passively using index funds, my benchmark is my target portfolio AA. The discrepancy arises because I hold most of my equities in a taxable account, and tax considerations have prevented me from rebalancing there and incurring a tax bill. So while my target AA is 56/44 equities/fixed income, in real life the whole year went by with equities somewhere between 63% and 64%, with US large cap significantly overweighted.
Closest comparable "un-tilted" benchmark from Vanguard is the Target Retirement 2030 Fund (VTHRX), with 64.74% equities, which returned 11.38% in 2021.
I think the biggest factor for beating that un-tilted benchmark was that a huge portion of my fixed income is in a stable value fund, which beat the total bond market fund by about 4% last year. This was a long overdue turn-around, because my fixed income allocation has been underperforming the total bond market fund for years, producing a classic "cash drag," compared to a Vanguard fund with a generic AA.
Assets held, sorted by annual 2021 return:
—1.67% - total bond market index fund ( <---- Not so very scary... folks make such a big deal of minor bond losses.)
0.86% - emerging markets index fund
2.45% - stable value (avg. return for the year)
5.68% - TIPS (intermediate term) fund
5.88% - international real estate index fund
11.43% - developed markets index fund
13.03% - international small cap index fund
17.73% - small cap index fund
25.71% - total stock market index fund
40.40% - REIT index fund
Happy New Year, everyone!
"Discipline matters more than allocation.” |—| "In finance, if you’re certain of anything, you’re out of your mind." ─William Bernstein
Re: What are you up YTD? [Year To Date]
livesoft wrote: ↑Fri Dec 31, 2021 7:09 pm YTD (31 December 2021) returns of a few 60/40 funds for your viewing pleasure:
+10.08% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
+14.22% VBIAX Vanguard Balanced Index fund, has US only and no international
+13.52% DGSIX, DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation
The performance of a 60/40 portfolio varies by quite a bit depending on how the 60/40 is constituted.
Also note:
+42.23% AVUV Avantis US Small Cap Value ETF
+13.37% MTUM iShares MSCI USA Momentum Factor ETF
+25.71% VTSAX Vanguard Total US Stock Market
+08.62% VTIAX Vanguard Total International Stock Market
-01.67% VBTLX Vanguard US Bond Index fund
I really miss those old "What was your return in 20xx?" threads. I was hoping someone would just start one already...
"Discipline matters more than allocation.” |—| "In finance, if you’re certain of anything, you’re out of your mind." ─William Bernstein
Re: What are you up YTD? [Year To Date]
In contrast, I don't miss them because they are so full of misinformation, exclusions, and incorrect calculations. Now I am sure you did your XIRR() calculations correctly. Also it appears you crushed your benchmark returns just like I did, but we both cheated because our portfolios did not actually invest the same way as our benchmarks. Not that there is anything wrong with that.
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Re: What are you up YTD? [Year To Date]
Well, I'm not so sure about that... I'd much rather be tracking my benchmark faithfully. It's a slippery slope, otherwise. I just can't sell VTSAX in the taxable account without incurring a big tax bill. But I was secretly wringing my hands with muted delight this year, watching US equities defying the law of gravity, heh, heh.livesoft wrote: ↑Sat Jan 01, 2022 12:25 pmIn contrast, I don't miss them because they are so full of misinformation, exclusions, and incorrect calculations. Now I am sure you did your XIRR() calculations correctly. Also it appears you crushed your benchmark returns just like I did, but we both cheated because our portfolios did not actually invest the same way as our benchmarks. Not that there is anything wrong with that.
"Discipline matters more than allocation.” |—| "In finance, if you’re certain of anything, you’re out of your mind." ─William Bernstein