What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
rchmx1
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Re: What are you up YTD? [Year To Date]

Post by rchmx1 »

rchmx1 wrote: Wed Jun 30, 2021 10:47 pm It's always more fun to update this thread after some extended soaring. :moneybag

401k/Roth: 27.15% incl contributions
Taxable: 23.07% incl contributions

Great first half of the year! :beer
401k: 41.3% incl contributions
Roth: 44.7% incl contributions
Taxable: 35.5% incl contributions

The last two months have been pretty great!
Trader Joe
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Re: What are you up YTD? [Year To Date]

Post by Trader Joe »

I am way, way up YTD.

Best of luck.
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drumboy256
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Re: What are you up YTD? [Year To Date]

Post by drumboy256 »

20.77% YTD at 80/20, not too bad. :sharebeer
Promise is one thing. Fulfilling that promise is quite another. - Sir Alex Ferguson | 20% IVV / 40% IBIT / 20% IXUS / 20% VGLT + chill
perfectuncertainty
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Re: What are you up YTD? [Year To Date]

Post by perfectuncertainty »

55.2%
OverAnalyze
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Re: What are you up YTD? [Year To Date]

Post by OverAnalyze »

rchmx1 wrote: Mon Aug 30, 2021 10:13 pm
rchmx1 wrote: Wed Jun 30, 2021 10:47 pm It's always more fun to update this thread after some extended soaring. :moneybag

401k/Roth: 27.15% incl contributions
Taxable: 23.07% incl contributions

Great first half of the year! :beer
401k: 41.3% incl contributions
Roth: 44.7% incl contributions
Taxable: 35.5% incl contributions

The last two months have been pretty great!
What funds?
OverAnalyze
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Re: What are you up YTD? [Year To Date]

Post by OverAnalyze »

perfectuncertainty wrote: Mon Aug 30, 2021 10:44 pm 55.2%
What funds?
reader79
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Re: What are you up YTD? [Year To Date]

Post by reader79 »

21.29%
VTI: 50%, QQQM: 30%, VO: 10%, VB: 10%
rchmx1
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Re: What are you up YTD? [Year To Date]

Post by rchmx1 »

dropdx wrote: Tue Aug 31, 2021 12:05 am
rchmx1 wrote: Mon Aug 30, 2021 10:13 pm 401k: 41.3% incl contributions
Roth: 44.7% incl contributions
Taxable: 35.5% incl contributions

The last two months have been pretty great!
What funds?
A little less than half of my portfolio is in several versions of HFEA. That's the main source of the excess returns.
Visitor76
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Re: What are you up YTD? [Year To Date]

Post by Visitor76 »

Across the board: 13.97%
Wealth is not about having a lot of money; it's about having a lot of options.
perfectuncertainty
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Re: What are you up YTD? [Year To Date]

Post by perfectuncertainty »

dropdx wrote: Tue Aug 31, 2021 12:05 am
perfectuncertainty wrote: Mon Aug 30, 2021 10:44 pm 55.2%
What funds?
SPY, QLD and COST. QLD and COST purchased on March 5th - I'm taking profit and removing some today from both but holding SPY.
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Bluce
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

One's "Up YTD" number doesn't mean anything if one includes contributions. :oops:
"There are no new ideas, only forgotten ones." -- Amity Shlaes
jarjarM
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Re: What are you up YTD? [Year To Date]

Post by jarjarM »

perfectuncertainty wrote: Tue Aug 31, 2021 8:35 am
dropdx wrote: Tue Aug 31, 2021 12:05 am
perfectuncertainty wrote: Mon Aug 30, 2021 10:44 pm 55.2%
What funds?
SPY, QLD and COST. QLD and COST purchased on March 5th - I'm taking profit and removing some today from both but holding SPY.
Great timing, I think YTD lowest for QQQ is on March 8th. QLD buy on 3/5 is very well timed.
rchmx1
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Re: What are you up YTD? [Year To Date]

Post by rchmx1 »

Bluce wrote: Tue Aug 31, 2021 3:45 pm One's "Up YTD" number doesn't mean anything if one includes contributions. :oops:
Plenty of people in this thread include contributions, most likely because it's a silly thread which doesn't justify doing the extra math.
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Bluce
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

rchmx1 wrote: Tue Aug 31, 2021 4:09 pm
Bluce wrote: Tue Aug 31, 2021 3:45 pm One's "Up YTD" number doesn't mean anything if one includes contributions. :oops:
Plenty of people in this thread include contributions, most likely because it's a silly thread which doesn't justify doing the extra math.
That's the best explanation I've heard yet!
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Toadie
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Re: What are you up YTD? [Year To Date]

Post by Toadie »

Caduceus wrote: Sun Aug 01, 2021 1:59 pm YTD, using IRR calculations, I am up 105.7%. Definitely unexpected to see portfolio more than doubling in about half a year.

Buying some call options during the dark days of the covid crisis helped juice returns a little, but most of the gains came from the portfolio's heavy concentration in just two equity positions at the start of the year. Portfolio return would have been even better had I not sold my options too early in retrospect. The options I sold went on to more than double in value.

64% of my portfolio is currently in one stock and 36% in cash (selling cash-secured puts for yield).
:shock: :shock: :shock:

you're braver than me, that's for sure
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Bluce wrote: Tue Aug 31, 2021 4:17 pm
rchmx1 wrote: Tue Aug 31, 2021 4:09 pm
Bluce wrote: Tue Aug 31, 2021 3:45 pm One's "Up YTD" number doesn't mean anything if one includes contributions. :oops:
Plenty of people in this thread include contributions, most likely because it's a silly thread which doesn't justify doing the extra math.
That's the best explanation I've heard yet!
I thought they were all older ladies from Beardstown, Illinois :shock:
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link: Bogleheads® investment philosophy
jbreittling
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Re: What are you up YTD? [Year To Date]

Post by jbreittling »

70/30 up 12%*

*as of today, I'm now 65/35.
hnd
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Re: What are you up YTD? [Year To Date]

Post by hnd »

90/10 up 20.7% TWR
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Bluce
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

ruralavalon wrote: Tue Aug 31, 2021 4:23 pm
Bluce wrote: Tue Aug 31, 2021 4:17 pm
rchmx1 wrote: Tue Aug 31, 2021 4:09 pm
Bluce wrote: Tue Aug 31, 2021 3:45 pm One's "Up YTD" number doesn't mean anything if one includes contributions. :oops:
Plenty of people in this thread include contributions, most likely because it's a silly thread which doesn't justify doing the extra math.
That's the best explanation I've heard yet!
I thought they were all older ladies from Beardstown, Illinois :shock:
:sharebeer Yes.

I like to keep track (no Beardstown) a few times per year to see how I measure up against Wellesley. IMO, one should always measure their portfolio against a known benchmark. If you have a 50/50 AA, then you should be doing about half of the SnP. If you're trading stocks, or jumping in and out of funds and your return is less than the benchmark, then give it up and buy and hold indexes. ;)

I have roughly the same AA as Wellesley (plus VWIAX is about 12% of my portfolio). I don't know what my beta is though, but probably higher than Wells cuz I have a couple of very volatile closed-end bond funds.

As of yesterday, VWIAX is up 7.58% YTD.

My port is up 7.29%.
"There are no new ideas, only forgotten ones." -- Amity Shlaes
placeholder
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

Now that I'm retired my pension just about matches my spending so my results are close enough to real to not worry about it.
perfectuncertainty
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Re: What are you up YTD? [Year To Date]

Post by perfectuncertainty »

placeholder wrote: Tue Aug 31, 2021 6:51 pm Now that I'm retired my pension just about matches my spending so my results are close enough to real to not worry about it.
That's hitting the sweet spot! Congrats.
placeholder
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

perfectuncertainty wrote: Tue Aug 31, 2021 9:55 pm
placeholder wrote: Tue Aug 31, 2021 6:51 pm Now that I'm retired my pension just about matches my spending so my results are close enough to real to not worry about it.
That's hitting the sweet spot! Congrats.
Non cola so down the line inflation will change that but I can also start social security when I want.
CloudNine33
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Re: What are you up YTD? [Year To Date]

Post by CloudNine33 »

Bluce wrote: Tue Aug 31, 2021 3:45 pm One's "Up YTD" number doesn't mean anything if one includes contributions. :oops:
+ 10,000

17% myself EXCLUDING contributions
pasadena
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Re: What are you up YTD? [Year To Date]

Post by pasadena »

401k +14.23%
Roth IRA +10.74%
HSA +14.40%
Brokerage +15.93% (RSU / ESPP / Fun Money)

All at Fidelity. I have no idea for my main brokerage and Roth IRA at Vanguard because they still don't know how to show it.
livesoft
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Re: What are you up YTD? [Year To Date]

Post by livesoft »

YTD (31 August 2021) returns of a few 60/40 funds for your viewing pleasure:

+09.23% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
+11.74% VBIAX Vanguard Balanced Index fund, has US only and no international
+11.79% DGSIX, DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation

Once again, the performance of a 60/40 portfolio varies by quite a bit depending on how the 60/40 is constituted.

Also note:
+33.63% AVUV Avantis US Small Cap Value ETF
+13.14% MTUM iShares MSCI USA Momentum Factor ETF

+20.57% VTSAX Vanguard Total US Stock Market
+10.14% VTIAX Vanguard Total International Stock Market
-00.68% VBTLX Vanguard US Bond Index fund
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StevieG72
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Re: What are you up YTD? [Year To Date]

Post by StevieG72 »

I am up to my ideal weight if I was 7’ tall!
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bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf »

14.1%
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Age 76, retired, our asset allocation is 50/50 with no pension or annuity.

Total return of our portfolio year to date is 10.53%. Enough to cover about three years of living expenses net of Social Security.

Best fund so far is Vanguard Small-cap Value Index Fund (VSIAX), total return year to date is 23.62%.

Edited to add: Our portfolio is about 69% larger than it was the day I retired.
Last edited by ruralavalon on Wed Sep 01, 2021 8:45 am, edited 1 time in total.
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Re: What are you up YTD? [Year To Date]

Post by bob60014 »

Retired w/pension, no contributions , AA 90/5/5, +21%.
VERY :D :D
Stkfox
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Re: What are you up YTD? [Year To Date]

Post by Stkfox »

Retired, SS only. No debt. 45% stock/55% bond. +11.8 %
Case59
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Re: What are you up YTD? [Year To Date]

Post by Case59 »

Retired, no pension. Approximately 73/27, up 12.2% (not counting quarterly withdrawals totaling approximately 1.5% for living expenses).
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Re: What are you up YTD? [Year To Date]

Post by Metsfan91 »

17.48% on all equity mutual fund portfolio - 53/47 US/ex-us.
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WhiteMaxima
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Re: What are you up YTD? [Year To Date]

Post by WhiteMaxima »

17% 80/20
jimbomahoney
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Re: What are you up YTD? [Year To Date]

Post by jimbomahoney »

YTD: 26.1%

(Excluding contributions)

Portfolio:

50% Global Stocks (GDP-weighted per country, so about 2/3 Global Stock Index and 1/3 Emerging Market Index)
20% Gold
18% BTC
5% Silver
5% Cash
2% ETH
chuckb84
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Re: What are you up YTD? [Year To Date]

Post by chuckb84 »

I never look at YTD because it's a variable amount of time and there is nothing special about January 1. For the trailing year, 13.8%, 3 Fund portfolio, 50/50.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

chuckb84 wrote: Fri Sep 03, 2021 11:30 am I never look at YTD because it's a variable amount of time and there is nothing special about January 1. For the trailing year, 13.8%, 3 Fund portfolio, 50/50.
There is nothing special about Trailing Twelve Months (TTM) either.

Total returns for either period are still just interesting numbers. For us 10.98% YTD versus 18.34% TTM, asset allocation of 50/50, a three-fund portfolio plus small-cap value.
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iceport
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Re: What are you up YTD? [Year To Date]

Post by iceport »

Just about exactly 12%, with a 64/36 AA these days.
:beer

My small TIPS fund holding is up ~4% YTD. (Why did people stop recommending these here?)
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Bluce
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

ruralavalon wrote: Fri Sep 03, 2021 2:02 pm
chuckb84 wrote: Fri Sep 03, 2021 11:30 am I never look at YTD because it's a variable amount of time and there is nothing special about January 1. For the trailing year, 13.8%, 3 Fund portfolio, 50/50.
There is nothing special about Trailing Twelve Months (TTM) either.
Agree. I have my Schwab/Summary/Personal Value opening page set to "YTD".

When one calendar year is over I record what my PF did for that year, then forget about it and start over.
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carminered2019
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Re: What are you up YTD? [Year To Date]

Post by carminered2019 »

YTD with no new contributions or W-2 income, I am up 10x yearly expenses.
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Re: What are you up YTD? [Year To Date]

Post by chuckb84 »

ruralavalon wrote: Fri Sep 03, 2021 2:02 pm
chuckb84 wrote: Fri Sep 03, 2021 11:30 am I never look at YTD because it's a variable amount of time and there is nothing special about January 1. For the trailing year, 13.8%, 3 Fund portfolio, 50/50.
There is nothing special about Trailing Twelve Months (TTM) either.

Total returns for either period are still just interesting numbers. For us 10.98% YTD versus 18.34% TTM, asset allocation of 50/50, a three-fund portfolio plus small-cap value.
Sure. Either one is a recency snapshot, so add a grain of salt. But TTM is at least a fixed interval. I've never understood how YTD is interesting in February.
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

chuckb84 wrote: Sat Sep 04, 2021 8:19 pm
ruralavalon wrote: Fri Sep 03, 2021 2:02 pm
chuckb84 wrote: Fri Sep 03, 2021 11:30 am I never look at YTD because it's a variable amount of time and there is nothing special about January 1. For the trailing year, 13.8%, 3 Fund portfolio, 50/50.
There is nothing special about Trailing Twelve Months (TTM) either.

Total returns for either period are still just interesting numbers. For us 10.98% YTD versus 18.34% TTM, asset allocation of 50/50, a three-fund portfolio plus small-cap value.
Sure. Either one is a recency snapshot, so add a grain of salt. But TTM is at least a fixed interval. I've never understood how YTD is interesting in February.
Maybe it's like watching a race or a ball game. The final time or final score score is the only thing that counts, but it can be thrilling to watch.
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Harri88
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Re: What are you up YTD? [Year To Date]

Post by Harri88 »

YTD we are up 17.98%.
73% Stocks
  • 86% US
  • 14% Intnational
20% Bonds
7% Cash
livesoft
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Re: What are you up YTD? [Year To Date]

Post by livesoft »

chuckb84 wrote: Sat Sep 04, 2021 8:19 pmSure. Either one is a recency snapshot, so add a grain of salt. But TTM is at least a fixed interval. I've never understood how YTD is interesting in February.
Either way or any way, performance numbers are only interesting when compared to a benchmark with a similar level of risk. And that's the beauty of this thread: Everyone can cheat on their benchmarks, so that they always outperform their benchmarks whether over TTM or YTD.

And even various portfolios consisting of 60% equities and 40% fixed income can have quite varied levels of risk depending on the kinds of equities and the kinds of fixed income they hold.
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Re: What are you up YTD? [Year To Date]

Post by jebmke »

chuckb84 wrote: Sat Sep 04, 2021 8:19 pm Either one is a recency snapshot, so add a grain of salt.
Rolling 40-year average is more interesting.
Don't trust me, look it up. https://www.irs.gov/forms-instructions-and-publications
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Re: What are you up YTD? [Year To Date]

Post by revhappy »

It is interesting. When the markets are up like 10% if your allocation is 40% to equities you are up by 4% and if you are allocation is 80% to equities you are up by 8%. Not such a huge difference if you think about it. But the riskiness of having an 80% allocation v/s 40% allocation is such a huge difference!
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

jebmke wrote: Sun Sep 05, 2021 8:59 am
chuckb84 wrote: Sat Sep 04, 2021 8:19 pm Either one is a recency snapshot, so add a grain of salt.
Rolling 40-year average is more interesting.
How we are doing compared to our withdrawal rate is more interesting to me. YTD enough to cover about three years of living expenses net of Social Security.
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ray.james
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Re: What are you up YTD? [Year To Date]

Post by ray.james »

revhappy wrote: Sun Sep 05, 2021 10:02 am It is interesting. When the markets are up like 10% if your allocation is 40% to equities you are up by 4% and if you are allocation is 80% to equities you are up by 8%. Not such a huge difference if you think about it. But the riskiness of having an 80% allocation v/s 40% allocation is such a huge difference!
But that is the important part for both accumulators and even decumulators.
A 4% of 1 million is 40K and 8% is 80K. Compound that over 10 years we are talking about more than half a million. For retirees, it all depends on inflation. The decade 2010 -2020 with less than 2% inflation and >10% average return is like a golden era. Had it been 3.5% inflation and 5% returns whether one has 40-60 vs 80-20 will make all the difference. For a lost decade like 2010's it would have made way more difference in real terms.
When in doubt, http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

Ran the numbers tonight YTD: 12.48% TTM: 27.21% on a targeted 60/40 portfolio that's more like 65/35 these days.
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Bluce
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

As previously noted, I use Wellesley as my benchmark -- because my AA is very close to theirs and Wellesley has an excellent track record going all the way back to 1970 (9.68% annualized), so it's a high benchmark. So if I can at least keep up with them I'm happy.

I probably have a higher beta though, because I have some closed-end bond funds which are very volatile, but have a high payout which is why I have them.

As of 9/3, YTD:

Wellesley: +6.96%

Bluce's PF: + 7.73%
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

I don't care about that kind of numbers or really any performance stats and I only run the calculation for this thread.
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