What are you up YTD? [Year To Date]

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Marseille07
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Re: What are you up YTD? [Year To Date]

Post by Marseille07 »

finite_difference wrote: Sat Feb 06, 2021 4:09 pm
Marseille07 wrote: Sat Feb 06, 2021 1:30 pm
ruralavalon wrote: Sat Feb 06, 2021 1:17 pm You said you were in a hole because of trading. "need to dig myself out of a hole. My trades don't do well when we sell off 3% one week then go +3% right after."

That's way different than withdrawals from a portfolio.
Mate, I was not talking about withdrawals. The equivalent of "digging out of a hole" in Boglehead is to sell your AA and move to cash.
A Boglehead would never sell and move to cash. That would be market timing. A Boglehead might rebalance using bands or a calendar. A Boglehead might make one time shifts in their AA based on need, ability, and willingness to accept risk. But what you’re describing does not sound like anything a Boglehead would do.
I'm split. I have a taxable doing Boglehead, another taxable doing market timing. I was talking about my market timing side on this thread, because YTD for Bogleheads is essentially asking how the S&P500 is doing YTD - not much to discuss.
finite_difference
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Re: What are you up YTD? [Year To Date]

Post by finite_difference »

Marseille07 wrote: Sat Feb 06, 2021 4:19 pm
finite_difference wrote: Sat Feb 06, 2021 4:09 pm
Marseille07 wrote: Sat Feb 06, 2021 1:30 pm
ruralavalon wrote: Sat Feb 06, 2021 1:17 pm You said you were in a hole because of trading. "need to dig myself out of a hole. My trades don't do well when we sell off 3% one week then go +3% right after."

That's way different than withdrawals from a portfolio.
Mate, I was not talking about withdrawals. The equivalent of "digging out of a hole" in Boglehead is to sell your AA and move to cash.
A Boglehead would never sell and move to cash. That would be market timing. A Boglehead might rebalance using bands or a calendar. A Boglehead might make one time shifts in their AA based on need, ability, and willingness to accept risk. But what you’re describing does not sound like anything a Boglehead would do.
I'm split. I have a taxable doing Boglehead, another taxable doing market timing. I was talking about my market timing side on this thread, because YTD for Bogleheads is essentially asking how the S&P500 is doing YTD - not much to discuss.
Do you mean that you are doing the market timing in tax advantaged accounts?

Not all of us hold SP500. There are plenty that tilt and hold active funds too. But I would say market timing like you’re describing is a different beast.
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Marseille07
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Re: What are you up YTD? [Year To Date]

Post by Marseille07 »

finite_difference wrote: Sat Feb 06, 2021 4:25 pm Do you mean that you are doing the market timing in tax advantaged accounts?

Not all of us hold SP500. There are plenty that tilt and hold active funds too. But I would say market timing like you’re describing is a different beast.
No, I said taxable for both. I also have tax-advantaged accounts but did not discuss those. It is a different beast, not disputing that.
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Re: What are you up YTD? [Year To Date]

Post by bigfry »

I earned 20.2% return in 2020. A year in which I admittedly tinkered way too much with my portfolio.
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Re: What are you up YTD? [Year To Date]

Post by nocebo »

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

Post by bogcir »

I’m new here, so I don’t want to overstep, but total portfolio value alongside YTD would be really helpful for me.

20% YTD on a $200k portfolio is very different than a 20% YTD on a $20MM portfolio.
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

bogcir wrote: Sun Feb 07, 2021 4:25 am I’m new here, so I don’t want to overstep, but total portfolio value alongside YTD would be really helpful for me.

20% YTD on a $200k portfolio is very different than a 20% YTD on a $20MM portfolio.
Welcome to the forum. I think most people are not comfortable giving their portfolio size.

The first post actually asks for YTD and AA, seems like we’ve been forgetting AA recently.
finite_difference
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Re: What are you up YTD? [Year To Date]

Post by finite_difference »

manatee2005 wrote: Sun Feb 07, 2021 4:44 am
bogcir wrote: Sun Feb 07, 2021 4:25 am I’m new here, so I don’t want to overstep, but total portfolio value alongside YTD would be really helpful for me.

20% YTD on a $200k portfolio is very different than a 20% YTD on a $20MM portfolio.
Welcome to the forum. I think most people are not comfortable giving their portfolio size.

The first post actually asks for YTD and AA, seems like we’ve been forgetting AA recently.
I think AA would be great, perhaps including % of portfolio that is individual stocks.
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Marseille07 wrote: Sun Feb 07, 2021 12:45 pm Yes, AA is very important as we all want to learn the AA of the poster doing +384.39% YoY.
Yes, the original post called for the asset allocation in addition to the portfolio returns.
InvestorNewb wrote: Tue Aug 26, 2014 10:19 am Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

Marseille07 wrote: Sat Feb 06, 2021 10:31 am
ruralavalon wrote: Sat Feb 06, 2021 9:35 am
Marseille07 wrote: Sat Feb 06, 2021 12:28 am Off to a terrible start, need to dig myself out of a hole. My trades don't do well when we sell off 3% one week then go +3% right after. It'd be good if we can idiot-proof strategies but it's not easy.
You could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.
It's hard to pull the plug on 50% CAGR. Big gains come with big drawdowns. I will slowly scale back some exposure to this strategy though.
Did you never learn Rule #1 for traders?

Buy low, sell high. ;)
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Bluce
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

bogcir wrote: Sun Feb 07, 2021 4:25 am I’m new here, so I don’t want to overstep, but total portfolio value alongside YTD would be really helpful for me.

20% YTD on a $200k portfolio is very different than a 20% YTD on a $20MM portfolio.
The percent change *IS* all that matters -- we have to compare apples to apples. If we discuss portfolio value, then we are trying to compare different fruits. What would be the point?

As for concentrating on percent gain or loss: Let's say you have 6 managed funds, all in stocks. If your portfolio value went up 10% last year, but the dumb indexes all went up around 15%, then you're behind the game and would be better off in a dumb index.

IMO, we should always compare to some accepted benchmark or we are just wandering in the wilderness with no compass. My two lunch buddies have no clue how they do compared to the total market. If they have more in their account on December 31 than they did the previous January 1, then they "made money" and are happy. LOL
Last edited by Bluce on Sun Feb 07, 2021 2:37 pm, edited 1 time in total.
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Re: What are you up YTD? [Year To Date]

Post by Marseille07 »

Bluce wrote: Sun Feb 07, 2021 2:24 pm Did you never learn Rule #1 for traders?

Buy low, sell high. ;)
It's funny you say it here, because Bogleheads don't follow it.
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

Marseille07 wrote: Sun Feb 07, 2021 2:36 pm
Bluce wrote: Sun Feb 07, 2021 2:24 pm Did you never learn Rule #1 for traders?

Buy low, sell high. ;)
It's funny you say it here, because Bogleheads don't follow it.
It's a joke.
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

nocebo wrote: Sat Feb 06, 2021 5:10 pm Image
I hope you started the year with a big nest egg!
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Re: What are you up YTD? [Year To Date]

Post by nocebo »

Normchad wrote: Sun Feb 07, 2021 8:58 pm
I hope you started the year with a big nest egg!
It's crypto and I've been holding since 2016... easy come easy go but I'm optimistic about the trend going forward... even if it's a bit volatile. Everyone wishes they put more in when it's a home run.

Traditional investments are in line with most people in this thread :D
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Re: What are you up YTD? [Year To Date]

Post by LadyGeek »

I removed an off-topic interchange. As a reminder, see: General Etiquette
We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones.
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Re: What are you up YTD? [Year To Date]

Post by cheesepep »

Up 3.1% so far. Not bad, but kind of disappointed.
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

cheesepep wrote: Mon Feb 08, 2021 5:58 pm Up 3.1% so far. Not bad, but kind of disappointed.
I’ve been at this a very long time. If I get 12% in a year, I am stoked. So any month over 1% puts a big smile on my face.

The market lately seems very generous.....
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Re: What are you up YTD? [Year To Date]

Post by Portfolio7 »

Normchad wrote: Mon Feb 08, 2021 6:00 pm
cheesepep wrote: Mon Feb 08, 2021 5:58 pm Up 3.1% so far. Not bad, but kind of disappointed.
I’ve been at this a very long time. If I get 12% in a year, I am stoked. So any month over 1% puts a big smile on my face.

The market lately seems very generous.....
I agree with you. As of today I'll be up a good 5% or more in 2021. That's a crazy run rate for the year, but really I'd be happy with much less (I'm not going to jinx myself by naming a percentage!)

I've made more in investment returns in 5 weeks this year than I earned in salary for a whole year in a professional job when I was 30 and it feels really scary.
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Re: What are you up YTD? [Year To Date]

Post by Jags4186 »

According to Personal Capital I am up 6.36%.
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Re: What are you up YTD? [Year To Date]

Post by firebirdparts »

about 4% here.
This time is the same
Harri88
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Re: What are you up YTD? [Year To Date]

Post by Harri88 »

I am up 6.8% as of today.
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Re: What are you up YTD? [Year To Date]

Post by livelovelaugh00 »

4.97%
Marseille07
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Re: What are you up YTD? [Year To Date]

Post by Marseille07 »

4% or so I think. LTTs are really dragging me down here.
rchmx1
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Re: What are you up YTD? [Year To Date]

Post by rchmx1 »

Up 8.93% YTD at this point including contributions, 7.74% not including contributions. About 94% stock and around 6% leveraged LTTs. Pretty great start to the year!
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Re: What are you up YTD? [Year To Date]

Post by angelescrest »

Come on, it’s only February. Let‘s check back in at the end of Dec.
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Re: What are you up YTD? [Year To Date]

Post by Metsfan91 »

YTD 2021-- 7% excluding contribution. All equity. 52/48 US/Ex-US. All mutual funds.
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Re: What are you up YTD? [Year To Date]

Post by IHaveQuestions »

6.82% with all accounts as an aggregate...
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Re: What are you up YTD? [Year To Date]

Post by bgf »

My portfolio of Vanguard 2050 (90/10) and other funds in roughly the same allocation is up 5.5% this year, almost 6% over just the past 2 weeks.

Being out of the market even for short periods of time can result in substantial underperformance.
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Re: What are you up YTD? [Year To Date]

Post by revhappy »

I am up only 2.77% YTD, 50:50. But my equities is entirely reflation play old economy FTSE, STI, XLE etc. Did very bad last year. But hopefully will makeup for the losses, this year.
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Re: What are you up YTD? [Year To Date]

Post by anon_investor »

angelescrest wrote: Fri Feb 12, 2021 11:52 pm Come on, it’s only February. Let‘s check back in at the end of Dec.
+1.
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

anon_investor wrote: Sat Feb 13, 2021 9:26 am
angelescrest wrote: Fri Feb 12, 2021 11:52 pm Come on, it’s only February. Let‘s check back in at the end of Dec.
+1.
Or at least the end of the month.

Also is the number investing return, or contributions, or investing returns plus contributions? Also what is the asset allocation? Without that information, the bare number means nothing.
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

ruralavalon wrote: Sat Feb 13, 2021 9:47 am
anon_investor wrote: Sat Feb 13, 2021 9:26 am
angelescrest wrote: Fri Feb 12, 2021 11:52 pm Come on, it’s only February. Let‘s check back in at the end of Dec.
+1.
Or at least the end of the month.

Also is the number investing return, or contributions, or investing returns plus contributions? Also what is the asset allocation? Without that information, the bare number means nothing.
Yes, very important. Plus: I've always thought BHs were a cut above the gurus and investing riff-raff out in cyberspace, but a surprising number of people here do not understand what "net worth" means. It's not just your portfolio, unless you have no real estate equity or anything else of value.

Net worth = assets minus liabilities.
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Re: What are you up YTD? [Year To Date]

Post by novolog »

15% YTD
S&P 500 + Bitcoin
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Re: What are you up YTD? [Year To Date]

Post by marti038 »

Was up as much as 8.3% or more in February, but now I'm up 0.3%. I guess that's still a little better than being down for the year.

I'm a little on the tech heavy side which was awesome in 2019-2020, but on the rocks so far this year.
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Re: What are you up YTD? [Year To Date]

Post by carminered2019 »

2021 YTD, AA 60/40 I am up 4 years of living expenses.
Last edited by carminered2019 on Mon Mar 15, 2021 12:29 pm, edited 2 times in total.
g2morrow
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Re: What are you up YTD? [Year To Date]

Post by g2morrow »

up 20% for 2020 with 90/10 AA
up 3.14% 2021 end of Feb - still 90/10
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Re: What are you up YTD? [Year To Date]

Post by hnd »

up 6%

60% 2fund portfolio
25% active mutual funds
5% stock
10% bonds

34% in 2020. (IMO due to injecting money into a few etfs and stocks in april)
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Re: What are you up YTD? [Year To Date]

Post by Caduceus »

I was down -15% for 2020 during a year when most people probably had a positive return (I was actually down 40% at one point but ended 2020 -15%) and I am up 56% YTD. The performance calculator provided by the brokerage says that I've beaten the S&P 500 by 198% from January 2018. These are just paper gains, and my outsized losses in 2020 relative to the market has given me perspective on how lasting these "gains" might be.

I didn't sell a single stock when I was down 40%, in spite of a couple nights where I felt physically ill. There was one night I was tempted to call up my best friend and ask him for a Xanax pill or whatever those things are that help with anxiety.

I've sold off most of my options positions and am, after accounting for the effect of any residual options, effectively 80% in equities and 20% in cash right now. If the stock market goes up any more, I will rebalance out of equities and options into cash.
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Re: What are you up YTD? [Year To Date]

Post by SrGrumpy »

marti038 wrote: Mon Mar 15, 2021 10:00 am Was up as much as 8.3% or more in February, but now I'm up 0.3%. I guess that's still a little better than being down for the year.

I'm a little on the tech heavy side which was awesome in 2019-2020, but on the rocks so far this year.
Up 1.6%. Same boat with tech exposures - ignoring advisor's recommendation a few weeks ago to take some tech profits.
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Re: What are you up YTD? [Year To Date]

Post by lusoman »

YTD 4%

70/30 portfolio

stocks around 60 US / 40 international
100% Global Market Weight Equities
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Re: What are you up YTD? [Year To Date]

Post by livesoft »

Some wide disparities are showing up in YTD performance numbers of 60/40 benchmark funds. In 2020, the value and small caps weighted DGSIX underperformed by a few percent. That has changed for the first few months of 2021 with small-cap value index funds up 21% to 32%.

Here are the YTD returns of some 60/40 funds
2.53% VSMGX Vg LifeStrategy Moderate Growth
2.93% VBIAX Vg Balanced Index Fund
5.73% DGSIX DFA 60/40 Global Allocation I

The TTM (trailing twelve months) or 1-year returns are going to be spectacular since we are coming up on the lows of March 16-23, 2020. I will guess that everybody's portfolios are up more than 10 times their highest salary ever in the past year.
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Re: What are you up YTD? [Year To Date]

Post by clip651 »

livesoft wrote: Tue Mar 16, 2021 7:15 am
The TTM (trailing twelve months) or 1-year returns are going to be spectacular since we are coming up on the lows of March 16-23, 2020. I will guess that everybody's portfolios are up more than 10 times their highest salary ever in the past year.
How big do you think "everybody's" portfolios are? Do you just mean amongst the financially independent (e.g. retired and doing fine with a comfortably big portfolio)?

It would be mathematically impossible for me to be up more than 10 times my highest ever salary with a mere doubling of my portfolio (which has not happened in the past 12 months, or I'd have noticed, for sure, and I was buying at the lows, not selling), and that salary isn't that impressive. Pretty sure I'm not the only one.
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Re: What are you up YTD? [Year To Date]

Post by livesoft »

clip651 wrote: Thu Mar 18, 2021 9:34 pmHow big do you think "everybody's" portfolios are? Do you just mean amongst the financially independent (e.g. retired and doing fine with a comfortably big portfolio)?
Oops, I made an editing error. I meant everybody who stopped working more than 10 years ago, so yes, I meant what you wrote "retired and doing fine with a comfortably big portfolio."
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Re: What are you up YTD? [Year To Date]

Post by clip651 »

livesoft wrote: Thu Mar 18, 2021 9:38 pm
clip651 wrote: Thu Mar 18, 2021 9:34 pmHow big do you think "everybody's" portfolios are? Do you just mean amongst the financially independent (e.g. retired and doing fine with a comfortably big portfolio)?
Oops, I made an editing error. I meant everybody who stopped working more than 10 years ago, so yes, I meant what you wrote "retired and doing fine with a comfortably big portfolio."
OK, thanks for clarifying. But then if I understand you correctly, you're saying you think those folks that might have made 100,000-200,000 a year, and are retired and comfy with big portfolios now, are up over a million or two million dollars since a year ago? I know we had a drop and then quite a good year for stocks after that, but ... that's still a pretty darn big portfolio with a pretty big stock allocation for what you are saying to make sense. Either that or I'm tired and the rough estimations in my head are way off.
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Age 75, retired, asset allocation of 50/50.

Total return of our portfolio is 1.99% year to date.

Trailing 12 months since the bottom of 3/20/2020 the total return is:
44.75% for our portfolio;
73.90% for Vanguard Total Stock Market Index Fund (VTSAX); and
108.27% for Vanguard Small-cap Value Index Fund (VSIAX).
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Re: What are you up YTD? [Year To Date]

Post by Steve Reading »

Stocks: 171%
Bonds: -
Cash: -71%

Up: 23.04%
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Re: What are you up YTD? [Year To Date]

Post by HootingSloth »

As some others have done above, I went to check trailing twelve month returns on the portfolio now that we are a year from the bottom. Using Beardstown Ladies accounting the portfolio seems to be up just about 140%, having gone from about 5x to 12x current expenses. Quite the year it's been.
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Re: What are you up YTD? [Year To Date]

Post by jarjarM »

Steve Reading wrote: Sat Mar 20, 2021 10:54 am Stocks: 171%
Bonds: -
Cash: -71%

Up: 23.04%
SCV is doing well for you :beer
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Re: What are you up YTD? [Year To Date]

Post by Bluce »

29% equity
71% bonds

YTD + 3.4%
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