What are you up YTD? [Year To Date]
Re: What are you up YTD? [Year To Date]
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
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Re: What are you up YTD? [Year To Date]
Up 0.3% in 2022 already
Re: What are you up YTD? [Year To Date]
Net worth increase = 10.13% ($538,000)
Retired with AA of 35/65
Retired with AA of 35/65
- willthrill81
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Re: What are you up YTD? [Year To Date]
Thanks!
The Sensible Steward
Re: What are you up YTD? [Year To Date]
Just did my 2021 tally today. 34% for the year (beardstown math). If this business keeps up I’m looking at early retirement.
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Re: What are you up YTD? [Year To Date]
Wouldn't "Beardstown Math" be equivalent to "cooking the books to dramatically overstate actual returns?" https://en.wikipedia.org/wiki/Beardstow ... prov=sfla1
Marylander1
Re: What are you up YTD? [Year To Date]
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.Marylander1 wrote: ↑Mon Jan 03, 2022 11:16 pmWouldn't "Beardstown Math" be equivalent to "cooking the books to dramatically overstate actual returns?" https://en.wikipedia.org/wiki/Beardstow ... prov=sfla1
Marylander1
Re: What are you up YTD? [Year To Date]
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.
Re: What are you up YTD? [Year To Date]
"Up 0.3% in 2022 already"
Me too!
Me too!
Re: What are you up YTD? [Year To Date]
"If you don't leverage when rates are at 0%, then when will you?"
Not then, not now, not interested.
Not then, not now, not interested.
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Re: What are you up YTD? [Year To Date]
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%
16.7% for 2021, 3-fund portfolio, AA roughly 75/25
Net worth increased 39.4%
Re: What are you up YTD? [Year To Date]
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!
My portfolio gained 30% in 2021! Easily my best year in investing. Let's hope 2022 will bring more of the same pixie dust!
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Re: What are you up YTD? [Year To Date]
That's a meaningful definition, acknowledging its limitations. Thanks for clarifying!quadog wrote: ↑Tue Jan 04, 2022 1:59 amI 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.Marylander1 wrote: ↑Mon Jan 03, 2022 11:16 pmWouldn't "Beardstown Math" be equivalent to "cooking the books to dramatically overstate actual returns?" https://en.wikipedia.org/wiki/Beardstow ... prov=sfla1
Marylander1
Marylander1
- quantAndHold
- Posts: 10141
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Re: What are you up YTD? [Year To Date]
19% for 2021.
I made more in 2021 than any year in my life, despite not actually having a job.
I made more in 2021 than any year in my life, despite not actually having a job.
Re: What are you up YTD? [Year To Date]
That’s good living! I hope to do the same one day. Congratulations!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.
Re: What are you up YTD? [Year To Date]
33% stocks/67% bonds and cash
2021 returned 6.51%
2022 -1.0%
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.
Re: What are you up YTD? [Year To Date]
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.
2022 down 5.16% in five business days.
Re: What are you up YTD? [Year To Date]
Up 42% in 2021 including new contributions, driven by RSU appreciation and ~$150K in contributions.
Re: What are you up YTD? [Year To Date]
"Still up?"
I'm still awake. That'll have to do.
I'm still awake. That'll have to do.
2022 YTD Performance - 1/21/2022
[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
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.
Re: 2022 YTD Performance 1/21/2022
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
- LiveSimple
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Re: 2022 YTD Performance - 1/21/2022
100% equities -- 12% down
Invest when you have the money, sell when you need the money, for real life expenses...
Re: 2022 YTD Performance - 1/21/2022
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
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Re: 2022 YTD Performance - 1/21/2022
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.
Re: 2022 YTD Performance - 1/21/2022
I'm down a pretty nice house, aboutv10%.
Outside a dog, a book is man's best friend, inside a dog, it's too dark to read - Groucho
Re: 2022 YTD Performance - 1/21/2022
To help put this in context, here is 2021 performance
-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
And YTD to 2022-01-22: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
-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.
- burritoLover
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Re: 2022 YTD Performance - 1/21/2022
don't know. don't care.
Re: 2022 YTD Performance - 1/21/2022
Highly diversified. Down around 2% YTD.
0% impact on my plan or anxiety.
0% impact on my plan or anxiety.
Debt is to personal finance as a knife is to cooking.
Re: 2022 YTD Performance - 1/21/2022
Down ~6%.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
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Re: 2022 YTD Performance - 1/21/2022
-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.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
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.
Re: 2022 YTD Performance - 1/21/2022
-6.1%. !!!!! We all gonna die!
"The fund industry doesn't have a lot of heroes, but he (Bogle) is one of them," Russ Kinnel
Re: What are you up YTD? [Year To Date]
I merged Fortitude's thread into the ongoing discussion. The combined thread is in the Investing - Theory, News & General forum (general discussion).
- calqueuelater
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Re: What are you up YTD? [Year To Date]
I'm down 4.5% YTD on a 60/40-ish portfolio.
Re: What are you up YTD? [Year To Date]
YTD we are down 3.9% (reflecting about 2x) on a 65/32/3 portfolio.
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Re: What are you up YTD? [Year To Date]
Not down enough to do any real TLH.
Re: What are you up YTD? [Year To Date]
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
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
Re: What are you up YTD? [Year To Date]
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
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.
- anon_investor
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- Joined: Mon Jun 03, 2019 1:43 pm
Re: What are you up YTD? [Year To Date]
It is January 22, 2022.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
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Re: What are you up YTD? [Year To Date]
YTD as of 1/22/22 Negative 3.5x yearly expenses
Re: What are you up YTD? [Year To Date]
I am right there with you.
Re: What are you up YTD? [Year To Date]
-5% january.
80% VOO | 20% BND+TBILL+CASH | Don't believe Nobody because Nobody knows nothin' - Anon
Re: What are you up YTD? [Year To Date]
At least 5 figures. Currently sitting around 3k in short term losses, all VTSAX and VFIAX for TLH partners.
- anon_investor
- Posts: 15122
- Joined: Mon Jun 03, 2019 1:43 pm
Re: What are you up YTD? [Year To Date]
Ah okay. I always felt $3k is a no brainer for the ordinary income deduction.catlady wrote: ↑Sat Jan 22, 2022 10:21 pmAt least 5 figures. Currently sitting around 3k in short term losses, all VTSAX and VFIAX for TLH partners.
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Re: What are you up YTD? [Year To Date]
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.
Re: What are you up YTD? [Year To Date]
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.anon_investor wrote: ↑Sat Jan 22, 2022 10:48 pmAh okay. I always felt $3k is a no brainer for the ordinary income deduction.catlady wrote: ↑Sat Jan 22, 2022 10:21 pmAt least 5 figures. Currently sitting around 3k in short term losses, all VTSAX and VFIAX for TLH partners.
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Re: What are you up YTD? [Year To Date]
YTD -4.5% 50% stocks/50% bonds & cash.
Not planning any asset changes.
Not planning any asset changes.
John Bogle- You have the ability to control: Risk, Time, and Cost, but not Reward in Investing!