What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
carminered2019
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Re: What are you up YTD? [Year To Date]

Post by carminered2019 »

2020 I gained 13x annual expenses !!!
2tall4economy
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Re: What are you up YTD? [Year To Date]

Post by 2tall4economy »

Can’t say for sure until all the banks update on Monday (boo New Years on Friday) but looks like 21% for me. Wish I would have put more cash in the market instead of paying down debt.

But I didn’t know and I’d be way more upset at the opposite so thumbs up.
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rchmx1
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Re: What are you up YTD? [Year To Date]

Post by rchmx1 »

Finished the year, not including contributions:

Solo 401k: up 44%
Roth IRA: up 20%
Total including taxable: up 26.5%

What a year! :sharebeer
kcxie
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Re: What are you up YTD? [Year To Date]

Post by kcxie »

2tall4economy wrote: Fri Jan 01, 2021 1:44 am Can’t say for sure until all the banks update on Monday (boo New Years on Friday) but looks like 21% for me. Wish I would have put more cash in the market instead of paying down debt.

But I didn’t know and I’d be way more upset at the opposite so thumbs up.
I like your attitude and enjoy. Life is good and does not have to be perfect!! :D
manatee2005
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

Taxable account and Roth IRA - about 50% of my net worth - 128%

401k which is the other 50% of my net worth - 33%

I was more conservative in my 401k.
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Johnsson
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Re: What are you up YTD? [Year To Date]

Post by Johnsson »

About 12% w/o contributions and w/a 60/40 AA.

Now up to 40x.
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mmcmonster
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Re: What are you up YTD? [Year To Date]

Post by mmcmonster »

carminered2019 wrote: Fri Jan 01, 2021 1:38 am 2020 I gained 13x annual expenses !!!
Very nice. In 2020 we went up 7x annual expenses. :beer

Side note: Why doesn't the Vanguard app give a projected return rate for a 1 year period (or for a period less than a year)?
XtremePWN
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Re: What are you up YTD? [Year To Date]

Post by XtremePWN »

mmcmonster wrote: Fri Jan 01, 2021 9:55 am
carminered2019 wrote: Fri Jan 01, 2021 1:38 am 2020 I gained 13x annual expenses !!!
Very nice. In 2020 we went up 7x annual expenses. :beer

Side note: Why doesn't the Vanguard app give a projected return rate for a 1 year period (or for a period less than a year)?
You can see for the past year the performance of a fund, but they can't see the future to tell you the next year performance. Also they can get sued for making false affirmations about future performance
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c.coyle
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Re: What are you up YTD? [Year To Date]

Post by c.coyle »

2020 was my first year making withdrawals from retirement funds.

Retirement portfolio started 2020 year 50-50 VTSAX - VBTLX. Looks like at 12/31/20 close, VTSAX +20.99% YTD, VBTLX +11.62.

So, I'm up _roughly_ 16.3 overall for 2020, right? I'm not factoring in about 17,000 in withdrawals, and the tax I'm going to pay on that amount, so final return is somewhat lower, I think.

I rebalanced this morning.

EDIT: VBTLX was up 7.71%. I was reading the share price! only look once or twice a year.

So, I think I was up roughly 14.35%
Last edited by c.coyle on Fri Jan 01, 2021 11:51 am, edited 2 times in total.
VTSAX - 50%, VBTLX - 50%
chuckb84
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Re: What are you up YTD? [Year To Date]

Post by chuckb84 »

For 2020 with a 55/45 3 Fund portfolio VTSAX/VTIAX/VBTLX, we're up 10.5%.

I would have bet long odds against that outcome for most of the year. Good thing I "just stood there" and followed the IPS.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

livesoft wrote: Thu Dec 31, 2020 8:28 pm
kimura king wrote: Thu Dec 31, 2020 8:23 pm S&P was up 17.6%! It was another good year for stocks!
That 17.6% seems to be stale or missing dividends. :)
For 2020 total return of Vanguard 500 Index Fund was 18.37%.
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German Expat
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Re: What are you up YTD? [Year To Date]

Post by German Expat »

Up 21.23% with a 70/30 portfolio. We are renters and all is invested except emergency fund. Staying the course and some rebalancing during the downturn helped. The numbers do still include savings as well but the bulk is return.
CodeMaster
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Re: What are you up YTD? [Year To Date]

Post by CodeMaster »

over 750% YTD (2020), i sold all funds and moved it all into tesla and it grew from mid six figures to multiple 7 figures

diversification preserves wealth, concentration builds wealth - warren buffet
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Nicolas
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Re: What are you up YTD? [Year To Date]

Post by Nicolas »

Up 28.7% in 2020. This is a Beardstown number, but I’m retired. I’m 98/2 including EF. I haven’t touched my retirement savings after 4-1/2 years, living solely on my pension.
Last edited by Nicolas on Fri Jan 01, 2021 12:30 pm, edited 1 time in total.
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vitaflo
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Re: What are you up YTD? [Year To Date]

Post by vitaflo »

13.44%

65/35 with US/Int cap-weight.
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Nicolas
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Re: What are you up YTD? [Year To Date]

Post by Nicolas »

CodeMaster wrote: Fri Jan 01, 2021 12:23 pm over 750% YTD (2020), i sold all funds and moved it all into tesla and it grew from mid six figures to multiple 7 figures

diversification preserves wealth, concentration builds wealth - warren buffet
When will you sell?
CodeMaster
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Re: What are you up YTD? [Year To Date]

Post by CodeMaster »

Nicolas wrote: Fri Jan 01, 2021 12:44 pm
CodeMaster wrote: Fri Jan 01, 2021 12:23 pm over 750% YTD (2020), i sold all funds and moved it all into tesla and it grew from mid six figures to multiple 7 figures

diversification preserves wealth, concentration builds wealth - warren buffet
When will you sell?
so i didnt just do this gambling style, i did it via research and with confidence i moved in
given i still research all day and night (just googling, youtube, reddit, twitter, etc any source possible) , i can clearly see tesla has a long way to go up still given all the s curve projects that are coming up in 2021 like cyber truck, semi truck, fsd software sales, building a $25k car which will continue to go down in price to $15k which will then take over the market fro those prices ranges since it wont make sense to buy a gasione car at those prices in comparison by any means.

they also are in energy business, which is just getting started (study there charts on hyperchart.co) in energy sector, its clearly about to explode and energy and transportation are the 2 largest industries and tesla is going to dominate both

theres also model 3 and y sales really booming off, there just starting sales of it china today!! so many ordered , there website crashed... rumor is over 100k orders so far

then theres robotaxis, ride hailing service (uber competition using tesla network) , and ton other projects like HVAC, VTOL, super charger networks...

they will be selling there own INSURANCE!!

i coudl go on

given this... i expect price to rise significantly. i see tesla as jsut starting the s curve wave up imo

i did sell 100k to take some profits and live off of it while i dedicate my life to research and content creation on yt
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Nicolas
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Re: What are you up YTD? [Year To Date]

Post by Nicolas »

CodeMaster wrote: Fri Jan 01, 2021 12:53 pm ^^^
A bit too risky for me. Though I do have about 24% of my wealth tied up in AAPL (which performed marvelously last year) that I bought 11 years ago. But it’s in taxable so I don’t want to sell and pay the tax.
AussieDad
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Re: What are you up YTD? [Year To Date]

Post by AussieDad »

If I did my calculations correct, 18.56% across all accounts. My managed account was the least at 14.3% :oops:

Cash and Short Term Bonds
2%

Bonds
21%

U.S. Large Cap Stocks
36%

U.S. Mid/Small Cap Stocks
12%

International Stocks
23%

Individual Stocks
6%
MnD
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Re: What are you up YTD? [Year To Date]

Post by MnD »

2020 XIRR = 13.8%

2020 asset allocation = 70% Global market cap stocks, 30% fixed income and cash
Eight accounts, 14 holdings, Weighted ER 0.11%
Benchmark return= 13.6%, so topped benchmark by 0.2 percentage points.
2020 Benchmark was 70% Total World Stock Market (VT), 25% Total Bond Market (BND) and 5% Money Market Prime (VMMXX).

2020 XIRR by account:
His 401-K +14.7%
His taxable +12.7%
His t-IRA +8.7%
Her 401-K +14.0%
Her t-IRA +14.9%
Her r-IRA +16.5%
Her ESOP +0.6%
Her 529 +0.4%
70/30 AA for life, Global market cap equity. Rebalance if fixed income <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.
knibloe
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Re: What are you up YTD? [Year To Date]

Post by knibloe »

csmath wrote: Thu Dec 03, 2020 9:16 pm
knibloe wrote: Thu Dec 03, 2020 8:48 pm I didnt start tracking until 1/25. Between 1/25 and 11/26 I am up 19% after I take out my contributions over that period. I am about 95% stocks.
Are you removing the contributions and the return from them? Or removing only the contributions but counting their returns?
Bluce wrote: Thu Dec 03, 2020 8:15 pm 30/70, up about 8%, no Beardstown math.
Yeah, I always wonder in this thread where the numbers come from. Clearly not everyone uses https://www.bogleheads.org/wiki/Calcula ... al_returns.

My HSA is up ထ% this year. It started at $0 on January 1st and is much higher now. 😏

Overall 9.2% YTD (as of 11/30) according to BogleheadsReturns.xlsx
I only too out the contributions.
MariaT
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Re: What are you up YTD? [Year To Date]

Post by MariaT »

Happy New Year!!

Portfolio(ending 12/31/2020) 38/62 up 9.9% includes all contributions.
I'm retired, husband maybe in 1-2 years.
Broken Man 1999
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Re: What are you up YTD? [Year To Date]

Post by Broken Man 1999 »

Vanguard Accounts (TIRAS and Roths):
01/01/2020 - 12/31/2020
+$231,852.39 INCREASE.
The figure gives the difference in the starting and ending dates account totals.
There were no contributions from outside to any Vanguard accounts, and distributions "outside" thru year end totaled $58,130. My Roth conversion stayed "inside" my Vanguard account, save a wad for taxes, accounted for in the $58,130 figure! :shock: .

Savings Bonds Series I:
Total Interest for 2020 = +$8,107.48
Total Interest for 2021 = +$634.26

Vanguard Variable Annuity:
01/01/2020 - 12/31/2020
+29,104 INCREASE.

All in all, a very good year!

Broken Man 1999
Last edited by Broken Man 1999 on Fri Jan 01, 2021 3:28 pm, edited 1 time in total.
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camper
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Re: What are you up YTD? [Year To Date]

Post by camper »

80/20 portfolio
Equities- US 60, Int'l 40
Have a small value, REIT & EM tilt.
XIRR +14.21%
2020 was a wild ride, but we managed to stay the course and rebalance when needed.
2020 we achieved our main goal of maxing out all tax advantaged space for the first time.
JD58
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Re: What are you up YTD? [Year To Date]

Post by JD58 »

Up 18.9% 1/1/20-1/1/21 after distributions on 70/20/10.

Enough now for 34x so increased from 29x since semi-retired for 2 years.
casualflower
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Re: What are you up YTD? [Year To Date]

Post by casualflower »

YTD, I'm up 0%. Hopefully things will turnaround on Monday.
sc9182
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Re: What are you up YTD? [Year To Date]

Post by sc9182 »

casualflower wrote: Fri Jan 01, 2021 3:51 pm YTD, I'm up 0%. Hopefully things will turnaround on Monday.
Heh, you been reading thread from backward instead of starting from OP’s date/year !? :-)

Many of brokerages (especially 401k side) won’t be posting their YTD or Annual performance until a day or two into the New year — guess many folks suffer thru YTD Vs. Annual performance quandary for next a few days ..
CodeMaster
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Re: What are you up YTD? [Year To Date]

Post by CodeMaster »

Nicolas wrote: Fri Jan 01, 2021 1:30 pm
CodeMaster wrote: Fri Jan 01, 2021 12:53 pm ^^^
A bit too risky for me. Though I do have about 24% of my wealth tied up in AAPL (which performed marvelously last year) that I bought 11 years ago. But it’s in taxable so I don’t want to sell and pay the tax.
24% in aapl is pretty descent size!

i feel ya... coming from a die hard boglehead index fund only holder, this was extreme difficult for me to do

but warren buffet teaches with research it allerviates the need to diversify and with enough researhc, you can remove the feeling of it being risky. all i can say is u have to do it to understand it. i believe i totally understand what warren has been sharing all along and what he does as well. im no warren, but if you figure this out (and it isnt hard), you can easily see why warren gave up everything else cuase the income from this is higher then any paid job possible!

anyways, wishing ya and all greatness and prosperity to 2021!

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

Post by nedsaid »

My retirement accounts are up almost exactly 10% for 2020.
A fool and his money are good for business.
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Ice-9
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Re: What are you up YTD? [Year To Date]

Post by Ice-9 »

70/30 Portfolio up 15.3% in 2020.

Overall Net Worth up 25.4% in 2020. There was a significant increase in home value this year.
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7th_Diagram
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Re: What are you up YTD? [Year To Date]

Post by 7th_Diagram »

Up 31% YTD with ~20%of my investments in HFEA
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amitb00
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Re: What are you up YTD? [Year To Date]

Post by amitb00 »

16% Includes effect from contributions as well.
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Re: What are you up YTD? [Year To Date]

Post by Scooter57 »

My extremely conservative portfolio was up 3.61% after paying all my expenses and a bunch of taxes. This keeps me ahead of inflation and preserves my assets for my heirs while letting me sleep like a baby no matter what drugs Mr Market is experimenting with. I am fortunate to have more than I need for the rest of my life so I resist the temptation to gamble it hoping for more.

Next year gets more interesting as quite a lot of my CDs paying 3.something percent are coming due. They are slightly more than 25% of my assets. Over the past 7 years I have not had to dip into my principal at all and have actually increased it, partly because my business did far better than I expected and also because of those 3% CDs. But this coming year might be the first year where I spend some of it.
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Nicolas
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Re: What are you up YTD? [Year To Date]

Post by Nicolas »

Deleted
Last edited by Nicolas on Mon Jan 04, 2021 12:42 pm, edited 1 time in total.
Marseille07
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Re: What are you up YTD? [Year To Date]

Post by Marseille07 »

Final number came out to be around 75% doing risky trading. The Boglehead side is still DCAing.
Gus Chiggins
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Re: What are you up YTD? [Year To Date]

Post by Gus Chiggins »

2020 XIRR: 16.2%

90/10 asset allocation.
corpgator
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Re: What are you up YTD? [Year To Date]

Post by corpgator »

19.64% returns according to my bogleheads spreadsheet.

Net worth up 42.8%. 2 years in a row of 40+% growth. No way I can get it 3 years in a row, but who knows.
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

corpgator wrote: Fri Jan 01, 2021 10:05 pm 19.64% returns according to my bogleheads spreadsheet.

Net worth up 42.8%. 2 years in a row of 40+% growth. No way I can get it 3 years in a row, but who knows.
In the 90s it went up 400% so why not. If the economy comes roaring back, the markets will skyrocket.
MidwestMike
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Re: What are you up YTD? [Year To Date]

Post by MidwestMike »

Vanguard now displays performance through 12/31. Using their data:

5 years 15.9%

3 years 15.5%

1 year 23.5%
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TechGuy365
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Re: What are you up YTD? [Year To Date]

Post by TechGuy365 »

Interesting thread, thanks everyone for sharing. We've been blessed by good health and excellent market performances in our investments: 39% NW increase with contributions in 2020, or roughly 36.5% subtracting contributions and contribution growth.

My 100/0 portfolio hasn't changed in the past 5 years or so, now at ~40%++ in my employer's stock (mega-cap tech, the % has been increasing over the years), rest in growth funds (mostly FDGRX, TRBCX, and PRGFX). No YOLOs in TSLA, ZM or any other individual stocks. I know this is non-Boglehead-approved but it has been working for us and I'm sticking with it. We know we're fortunate so we've been making 5-digit charitable contributions every year.
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sergeant
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Re: What are you up YTD? [Year To Date]

Post by sergeant »

CodeMaster wrote: Fri Jan 01, 2021 12:23 pm over 750% YTD (2020), i sold all funds and moved it all into tesla and it grew from mid six figures to multiple 7 figures

diversification preserves wealth, concentration builds wealth - warren buffet
Congratulations. Did you end up changing your name? Let us know your next concentrated move.
AA- 20+ Years of Expenses Fixed Income/The remainder in Equities.
mattshwink
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Re: What are you up YTD? [Year To Date]

Post by mattshwink »

mattshwink wrote: Wed Jan 01, 2020 10:22 pm 2019 Retirement Return: 28.32% (excluding contributions). Roughly 94/6. Last year through my AA somewhat out of whack somewhat (should be 88/12). Fixing some with IRAs and 401k changes (moving provider so will move existing funds and contributions to bonds).

2019 529 Return: 24% (excluding contributions). Was 65/35, moving to 60/40 but also a little out of whack after a good year (currently 69/31). All new contributions going to bonds.

Really good year. Best since 2013. But dollar amounts are higher because balances are higher, looking at increase that is 1.25 times gross salary in retirement accounts and 10% for 529. I told my wife that if we have 3 more years like this we can retire :)
2020 Retirement Return: 16.43% (excluding contributions. Roughly 91/9 allocation. Trying to get that to 88/12 this year.

2020 529 Return: 13.53% (excluding contributions). Roughly 66/34 allocation, target is 55/45 so actually moved opposite desired direction (mostly due to returns). Working on correcting this.

Overall another good year. Crossed $2 million in retirement accounts. Did not expect that after the run up last year (and what happened earlier this year). But it's an advantage to staying the course.
retire2022
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Re: What are you up YTD? [Year To Date]

Post by retire2022 »

OP

I am up 354K this year, amazing the fact that on March 23, 2020 my portfolio was -600K, all losses were recovered by Sept 2, 2020.

As of Thursday's close Dec 31, 2020 portfolio is $2,197,500.56

YTD 12.92% and 12 month total return 26.32% according to M*
Last edited by retire2022 on Fri Jan 01, 2021 11:51 pm, edited 2 times in total.
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spanky123
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Re: What are you up YTD? [Year To Date]

Post by spanky123 »

YTD ~8% from 40/40/30 (equity, fixed income/ cash)
CodeMaster
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Re: What are you up YTD? [Year To Date]

Post by CodeMaster »

sergeant wrote: Fri Jan 01, 2021 11:06 pm
CodeMaster wrote: Fri Jan 01, 2021 12:23 pm over 750% YTD (2020), i sold all funds and moved it all into tesla and it grew from mid six figures to multiple 7 figures

diversification preserves wealth, concentration builds wealth - warren buffet
Congratulations. Did you end up changing your name? Let us know your next concentrated move.
its still mainly tesla... they are hardly over. they are the next AAPL or AMZN in every way possible, there stock patterns and companys growth .

on monday there going to announce how many cars they could build in q4, they just released in china extra low prices for model y by 30% then everyone initailly thought they would release and it got over 100k orders is the rumor.

why is the 30% drop in price so important? its the fruits of all of their labors in MANUFACTURING ADVANTAGE, they have manufacturing tech that nobody else has. like the GIGA PRESS (one press creating the whole bottom body of a car vs previously over 70 parts!!), they are manufactuing there own batteries and battery prices continue to decline and more...

the manufacturing advantage that tesla has is being truly seen its full effect now.

i own nearly 100% in tesla and just opened a position on ARKG cause they are going to CURE DISEASE.
Last edited by CodeMaster on Fri Jan 01, 2021 11:45 pm, edited 2 times in total.
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Sandi_k
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Re: What are you up YTD? [Year To Date]

Post by Sandi_k »

65/35 Portfolio up 14.34% in 2020. Our overall Net Worth was up 13% in 2020.

There was an increase in portfolio value, an increase in home value this year, and one additional year of vesting in my defined benefit pension's cash value.
mmcmonster
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Re: What are you up YTD? [Year To Date]

Post by mmcmonster »

XtremePWN wrote: Fri Jan 01, 2021 10:13 am
mmcmonster wrote: Fri Jan 01, 2021 9:55 am
carminered2019 wrote: Fri Jan 01, 2021 1:38 am 2020 I gained 13x annual expenses !!!
Very nice. In 2020 we went up 7x annual expenses. :beer

Side note: Why doesn't the Vanguard app give a projected return rate for a 1 year period (or for a period less than a year)?
You can see for the past year the performance of a fund, but they can't see the future to tell you the next year performance. Also they can get sued for making false affirmations about future performance
Maybe projection isn't the right word.

For instance, if I use the Vanguard app and put a custom range of 1/2020-12/2020, the app will tell me the market gains and income return for the range but won't give me a rate of return.

1. Shouldn't it give a rate of return for any time period, no matter how short?
2. In the case of my example, it's a 1 year period. Shouldn't it give the rate of return for the year?
3. If you set the range for YTD (year to date), shouldn't it give a rate of return for the year to date?
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Re: What are you up YTD? [Year To Date]

Post by LadyGeek »

Vanguard and others measure personal performance using Internal Rate of Return, but I think the numbers are annualized - meaning that the numbers are based on 1 year of performance.

Annualizing the numbers is like calculating ERA (Earned Run Average) in baseball. For example, if the starting pitcher has 1 earned run against him and only pitches for 1 inning, his ERA is 9.0 (in a 9 inning game).

Update: It's winter. Annualizing the numbers is like GAA (Goals Against Average) in hockey. One goal against in one period of play is a GAA of 3.0 (in a 60 minute game).
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Re: What are you up YTD? [Year To Date]

Post by galawdawg »

Bah Humbug! I'm up exactly 0.00% YTD....

But then again, the markets haven't opened yet in 2021! :wink:

In 2020, total return was a little under 17% on an allocation of 75/25.
livesoft
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Re: What are you up YTD? [Year To Date]

Post by livesoft »

Instead of some 2020 full-year numbers, here are some increases since March 23, 2020 to December 31, 2020

72.0% VTSAX Vg Total US
63.8% VTIAX Vg Total Intl
84.0% VSIAX Vg Small-cap Val
79.8% VSS Vg Small-cap Foreign
72.5% MTUM iShares USA Momentum
07.4% VBTLX Vg Total Bond

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Rebalancing in March 2020 did its job.
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