What are you up YTD? [Year To Date]

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TASK123
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Re: What are you up YTD? [Year To Date]

Post by TASK123 »

For 2021, we are up by 300k in NW about 30%. Investments grew by about 16% and rest are new contributions. Feeling the power of compounding as the gains have started to exceed the contributions :sharebeer
itsmeagain
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Re: What are you up YTD? [Year To Date]

Post by itsmeagain »

Up 0.3% in 2022 already :D
crnatg
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Re: What are you up YTD? [Year To Date]

Post by crnatg »

Net worth increase = 10.13% ($538,000)
Retired with AA of 35/65
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willthrill81
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Re: What are you up YTD? [Year To Date]

Post by willthrill81 »

iceport wrote: Sat Jan 01, 2022 12:35 pm
willthrill81 wrote: Sat Jan 01, 2022 12:25 pm +36% in 2021. Very pleased. :D
:shock:

:shock:

Holy cow! Yeah, that would be "pleasant." :beer Congrats, willthrill!
Thanks! :beer
The Sensible Steward
quadog
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Re: What are you up YTD? [Year To Date]

Post by quadog »

Just did my 2021 tally today. 34% for the year (beardstown math). If this business keeps up I’m looking at early retirement.
Marylander1
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Re: What are you up YTD? [Year To Date]

Post by Marylander1 »

quadog wrote: Mon Jan 03, 2022 11:03 pm Just did my 2021 tally today. 34% for the year (beardstown math). If this business keeps up I’m looking at early retirement.
Wouldn't "Beardstown Math" be equivalent to "cooking the books to dramatically overstate actual returns?" https://en.wikipedia.org/wiki/Beardstow ... prov=sfla1

Marylander1
quadog
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Re: What are you up YTD? [Year To Date]

Post by quadog »

Marylander1 wrote: Mon Jan 03, 2022 11:16 pm
quadog wrote: Mon Jan 03, 2022 11:03 pm Just did my 2021 tally today. 34% for the year (beardstown math). If this business keeps up I’m looking at early retirement.
Wouldn't "Beardstown Math" be equivalent to "cooking the books to dramatically overstate actual returns?" https://en.wikipedia.org/wiki/Beardstow ... prov=sfla1

Marylander1
I take ‘beardstown’ to mean “what I contributed + what my investments made”. Which is essentially a vernacular description of what our fine beardstown ladies calculated. I don’t have time to separate the two out. I qualify the percentage out of politeness to my fellow bogelians.
dboeger1
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Re: What are you up YTD? [Year To Date]

Post by dboeger1 »

taojaxx wrote: Mon Jan 03, 2022 2:55 pm If you don't leverage when rates are at 0%, then when will you?
When rates are 0% and prices are super low? It's hard to argue that after the GFC wasn't a better time to leverage up compared to now. The jury is still out on the pandemic recovery, not to mention all the unknown unknowns.
andypanda
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Re: What are you up YTD? [Year To Date]

Post by andypanda »

"Up 0.3% in 2022 already"

Me too!
taojaxx
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Re: What are you up YTD? [Year To Date]

Post by taojaxx »

dboeger1 wrote: Tue Jan 04, 2022 6:04 am
taojaxx wrote: Mon Jan 03, 2022 2:55 pm If you don't leverage when rates are at 0%, then when will you?
It's hard to argue that after the GFC wasn't a better time to leverage up compared to now.
Ah! The beauty of 20/20 hindsight!
Better lucky than smart.
andypanda
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Re: What are you up YTD? [Year To Date]

Post by andypanda »

"If you don't leverage when rates are at 0%, then when will you?"

Not then, not now, not interested.
ososnilknarf
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Re: What are you up YTD? [Year To Date]

Post by ososnilknarf »

Rate of return calculated meticulously using Bogleheads Portfolio Returns spreadsheet:
16.7% for 2021, 3-fund portfolio, AA roughly 75/25

Net worth increased 39.4%
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Raraculus
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Re: What are you up YTD? [Year To Date]

Post by Raraculus »

Using the Bogleheads Returns Spreadsheet.

My portfolio gained 30% in 2021! Easily my best year in investing. Let's hope 2022 will bring more of the same pixie dust! :beer
Marylander1
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Re: What are you up YTD? [Year To Date]

Post by Marylander1 »

quadog wrote: Tue Jan 04, 2022 1:59 am
Marylander1 wrote: Mon Jan 03, 2022 11:16 pm
quadog wrote: Mon Jan 03, 2022 11:03 pm Just did my 2021 tally today. 34% for the year (beardstown math). If this business keeps up I’m looking at early retirement.
Wouldn't "Beardstown Math" be equivalent to "cooking the books to dramatically overstate actual returns?" https://en.wikipedia.org/wiki/Beardstow ... prov=sfla1

Marylander1
I take ‘beardstown’ to mean “what I contributed + what my investments made”. Which is essentially a vernacular description of what our fine beardstown ladies calculated. I don’t have time to separate the two out. I qualify the percentage out of politeness to my fellow bogelians.
That's a meaningful definition, acknowledging its limitations. Thanks for clarifying!

Marylander1
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quantAndHold
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Re: What are you up YTD? [Year To Date]

Post by quantAndHold »

19% for 2021.

I made more in 2021 than any year in my life, despite not actually having a job.
Normchad
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

quantAndHold wrote: Thu Jan 06, 2022 8:36 pm 19% for 2021.

I made more in 2021 than any year in my life, despite not actually having a job.
That’s good living! I hope to do the same one day. Congratulations!
sschullo
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Re: What are you up YTD? [Year To Date]

Post by sschullo »

33% stocks/67% bonds and cash
2021 returned 6.51%
2022 -1.0%
Never in the history of market day-traders’ has the obsession with so much massive, sophisticated, & powerful statistical machinery used by the brightest people on earth with such useless results.
vtsnowdin
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Re: What are you up YTD? [Year To Date]

Post by vtsnowdin »

Expenses equals income for all usual events. Portfolio for 2021 up 198% but that includes considerable deposits from other savings. Actual gain from market + 43%
2022 down 5.16% in five business days. :annoyed
taojaxx
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Re: What are you up YTD? [Year To Date]

Post by taojaxx »

andypanda wrote: Tue Jan 04, 2022 10:26 am "Up 0.3% in 2022 already"

Me too!
Still up?
Better lucky than smart.
WhatsIRR
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Re: What are you up YTD? [Year To Date]

Post by WhatsIRR »

Up 42% in 2021 including new contributions, driven by RSU appreciation and ~$150K in contributions.
andypanda
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Re: What are you up YTD? [Year To Date]

Post by andypanda »

"Still up?"

I'm still awake. That'll have to do. :D
Fortitude
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2022 YTD Performance - 1/21/2022

Post by Fortitude »

[Thread merged into here --admin LadyGeek]

It’s said that “misery loves company”. With this year’s brutal start for both stocks and bonds (especially this week for stocks), would anyone like to share their portfolio’s 2022 YTD performance through 1/21/2022 along with the asset allocation?

Mine is:

Performance: -4.71%

AA: 55% stocks/42% bonds/3% cash
Last edited by Fortitude on Sat Jan 22, 2022 7:38 am, edited 1 time in total.
jebmke
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Re: 2022 YTD Performance 1/21/2022

Post by jebmke »

45/55; likely down. Don’t generally look at valuation unless a TLH is possible. Would have to get back to 2010 levels for that.
Don't trust me, look it up. https://www.irs.gov/forms-instructions-and-publications
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LiveSimple
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Re: 2022 YTD Performance - 1/21/2022

Post by LiveSimple »

100% equities -- 12% down
Invest when you have the money, sell when you need the money, for real life expenses...
z3r0c00l
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Re: 2022 YTD Performance - 1/21/2022

Post by z3r0c00l »

Just speaking of my stocks, I am down -5.37% for the year which is not as bad as it could be. International helped for once. : ) With bonds and cash it should be something like -3.75%. No big deal right now.
70% Global Stocks / 30% Bonds
punkinhead
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Re: 2022 YTD Performance - 1/21/2022

Post by punkinhead »

I just got access to eMoney before Xmas and connected all my accounts so I can see daily updates on my gains/losses. Prior to eMoney I manually updated a spreadsheet a couple times a year at most. I've decided seeing daily fluctuations is unhealthy and will try to have the self-restraint to not log into eMoney every day. I'll try to only use it once a month to help me decide whether to take IRA distributions from stocks, bonds, or cash.
EdNorton
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Re: 2022 YTD Performance - 1/21/2022

Post by EdNorton »

I'm down a pretty nice house, aboutv10%.
:sharebeer
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livesoft
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Re: 2022 YTD Performance - 1/21/2022

Post by livesoft »

To help put this in context, here is 2021 performance
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
And YTD to 2022-01-22:

-4.23% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
-5.85% VBIAX Vanguard Balanced Index fund, has US only and no international
-3.99% DGSIX DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation

-1.68% VBTLX Vanguard US Bond Index fund
Last edited by livesoft on Sat Jan 22, 2022 8:32 am, edited 1 time in total.
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burritoLover
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Re: 2022 YTD Performance - 1/21/2022

Post by burritoLover »

don't know. don't care.
Tal-
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Re: 2022 YTD Performance - 1/21/2022

Post by Tal- »

Highly diversified. Down around 2% YTD.

0% impact on my plan or anxiety.
Debt is to personal finance as a knife is to cooking.
bgf
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Re: 2022 YTD Performance - 1/21/2022

Post by bgf »

Down ~6%.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
Independent George
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Re: 2022 YTD Performance - 1/21/2022

Post by Independent George »

Fortitude wrote: Sat Jan 22, 2022 7:12 am It’s said that “misery loves company”. With this year’s brutal start for both stocks and bonds (especially this week for stocks), would anyone like to share their portfolio’s 2022 YTD performance through 1/21/2022 along with the asset allocation?

Mine is:

Performance: -4.71%

AA: 55% stocks/42% bonds/3% cash
-4.6% (80/20). Honestly, I barely noticed - it was only the resurgence of the 'Freefall' thread that got me to check in on the market.

If you're an accumulator, it's not brutal - it's an opportunity. Except, really, it's not even that - it's just the normal ups & downs of the market.
Ed 2
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Re: 2022 YTD Performance - 1/21/2022

Post by Ed 2 »

-6.1%. !!!!! We all gonna die!
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LadyGeek
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Re: What are you up YTD? [Year To Date]

Post by LadyGeek »

I merged Fortitude's thread into the ongoing discussion. The combined thread is in the Investing - Theory, News & General forum (general discussion).
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calqueuelater
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Re: What are you up YTD? [Year To Date]

Post by calqueuelater »

I'm down 4.5% YTD on a 60/40-ish portfolio.
Zeno
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Re: What are you up YTD? [Year To Date]

Post by Zeno »

YTD we are down 3.9% (reflecting about 2x) on a 65/32/3 portfolio.
Robot Monster
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Re: 2022 YTD Performance - 1/21/2022

Post by Robot Monster »

burritoLover wrote: Sat Jan 22, 2022 7:57 am don't know. don't care.
+1
catlady
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Re: What are you up YTD? [Year To Date]

Post by catlady »

Not down enough to do any real TLH.
pasadena
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Re: What are you up YTD? [Year To Date]

Post by pasadena »

Hey I forgot about this thread.

As of 12/31/2021:

- 401(k): +15.63% (includes this year's MegaBackdoor Roth contributions that I've yet to roll over)
- MegaBackdoor Roth: +37.95%
- Brokerage: +17.90%
- Backdoor Roth: +12.20%
- HSA: +17.30%
- Fun Money: +67.00%

Total NW increased by +39.01% in 2021 :shock:
chris319
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Re: What are you up YTD? [Year To Date]

Post by chris319 »

2022 YTD: down 23.3%.

No margin, just leveraged ETF's. In the words of Sir John M. Templeton, if you haven't borrowed money to buy [stocks] you don't have anything to worry about. So I'm not worried. What's a little drawdown? I deftly got off margin in November 2021. My living expenses are covered by pension and soc sec.

A few-odd individual stocks are still in the plus column for their holding period, not just YTD:

UNP
HSY
AAPL
AVGO
GOOGL
KMI
PFE
REGN
Financial decisions based on emotion often turn out to be bad decisions.
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anon_investor
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Re: What are you up YTD? [Year To Date]

Post by anon_investor »

catlady wrote: Sat Jan 22, 2022 11:24 am Not down enough to do any real TLH.
What is your TLH threshold?
Zeno
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Re: What are you up YTD? [Year To Date]

Post by Zeno »

pasadena wrote: Sat Jan 22, 2022 11:45 am Hey I forgot about this thread.

As of 12/31/2021:

- 401(k): +15.63% (includes this year's MegaBackdoor Roth contributions that I've yet to roll over)
- MegaBackdoor Roth: +37.95%
- Brokerage: +17.90%
- Backdoor Roth: +12.20%
- HSA: +17.30%
- Fun Money: +67.00%

Total NW increased by +39.01% in 2021 :shock:
It is January 22, 2022.
carminered2019
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Re: What are you up YTD? [Year To Date]

Post by carminered2019 »

YTD as of 1/22/22 Negative 3.5x yearly expenses
Zeno
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Re: What are you up YTD? [Year To Date]

Post by Zeno »

carminered2019 wrote: Sat Jan 22, 2022 4:28 pm YTD as of 1/22/22 Negative 3.5x yearly expenses
I am right there with you.
ebeb
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Re: What are you up YTD? [Year To Date]

Post by ebeb »

-5% january.
80% VOO | 20% BND+TBILL+CASH | Don't believe Nobody because Nobody knows nothin' - Anon
catlady
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Re: What are you up YTD? [Year To Date]

Post by catlady »

anon_investor wrote: Sat Jan 22, 2022 4:15 pm
catlady wrote: Sat Jan 22, 2022 11:24 am Not down enough to do any real TLH.
What is your TLH threshold?
At least 5 figures. Currently sitting around 3k in short term losses, all VTSAX and VFIAX for TLH partners.
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anon_investor
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Re: What are you up YTD? [Year To Date]

Post by anon_investor »

catlady wrote: Sat Jan 22, 2022 10:21 pm
anon_investor wrote: Sat Jan 22, 2022 4:15 pm
catlady wrote: Sat Jan 22, 2022 11:24 am Not down enough to do any real TLH.
What is your TLH threshold?
At least 5 figures. Currently sitting around 3k in short term losses, all VTSAX and VFIAX for TLH partners.
Ah okay. I always felt $3k is a no brainer for the ordinary income deduction.
ValuationsMatter
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Re: What are you up YTD? [Year To Date]

Post by ValuationsMatter »

I was very defensive throughout 2021, and I continue to be. I returned only 6.3%. So, I guess that means my real return was -0.7%. That's a pretty bad underperformance of the market. I outperformed in '18, '19, and '20. Unfortunately, the '21 underperformance wiped out those years, and I finished '21 about break even against the total market over those 4 years. I guess we'll see how it plays out again in 2022. To this point, I'm up 0.5%, while the S&P is down ~8.3%. If I underperform again, I'll hang up the towel and get back to standard indexing. My defensive position is finally looking ... ok.
catlady
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Re: What are you up YTD? [Year To Date]

Post by catlady »

anon_investor wrote: Sat Jan 22, 2022 10:48 pm
catlady wrote: Sat Jan 22, 2022 10:21 pm
anon_investor wrote: Sat Jan 22, 2022 4:15 pm
catlady wrote: Sat Jan 22, 2022 11:24 am Not down enough to do any real TLH.
What is your TLH threshold?
At least 5 figures. Currently sitting around 3k in short term losses, all VTSAX and VFIAX for TLH partners.
Ah okay. I always felt $3k is a no brainer for the ordinary income deduction.
Normally I’d agree but already sitting on many years of capital loss carry over from realized losses during the drop in Mar 2020. I also expect things to keep dropping a bit and if I realize the losses now I won’t be able to realize them again on the same lots within 30 days unless I introduce a third fund. If I’m wrong and the market rebounds I’m fine with that outcome since, even at the 37% marginal bracket, we’re only talking about saving $1100 in taxes at some point in the future.
Goodenoughforme
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Re: What are you up YTD? [Year To Date]

Post by Goodenoughforme »

YTD -4.5% 50% stocks/50% bonds & cash.
Not planning any asset changes.
John Bogle- You have the ability to control: Risk, Time, and Cost, but not Reward in Investing!
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