What are you up YTD? [Year To Date]
- HMSVictory
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Re: What are you up YTD? [Year To Date]
I'm up 72% from the March lows. Stay the course worked - just as it always has.
To the above poster referencing the morality of the gains of the market during this year. The returns were the payback for staying invested through turbulent times. I do not (and you should not) feel guilty about earning the risk premium you/we took. I personally have been working my rear end off and investing for decades. With that being said you/we can decide to give as much as you/we like to charitable causes or things you care about. The wise accumulation of wealth helps you do more good. Only the strong can help the weak and the stronger you are the more you can help.
To the above poster referencing the morality of the gains of the market during this year. The returns were the payback for staying invested through turbulent times. I do not (and you should not) feel guilty about earning the risk premium you/we took. I personally have been working my rear end off and investing for decades. With that being said you/we can decide to give as much as you/we like to charitable causes or things you care about. The wise accumulation of wealth helps you do more good. Only the strong can help the weak and the stronger you are the more you can help.
Stay the course!
- Portfolio7
- Posts: 1128
- Joined: Tue Aug 02, 2016 3:53 am
Re: What are you up YTD? [Year To Date]
Legitimate question. Deserve is a loaded word, and that's something you'll need to decide for yourself. I would say we did the rational and appropriate thing given our knowledge and abilities. If you want to use the money for charitable endeavors, you can - but if you hadn't made the money in the first place, you'd have none to give away.revhappy wrote: ↑Fri Jan 08, 2021 12:33 am Do you guys really think we deserve the huge massive gains made this year? FED and other central banks wanted to help the economy and make sure the unemployment numbers dont get worse. Instead what we have is millionaires are becoming more richer, with the cheap money. Do we really need so much money? It is like the free money the FED is giving you. Will there be consequences? Maybe not to us white collar work from home guys. But some of the poorest people will be hit again very badly when the whole thing collapses.
The way I see it, I'm not bigger than the system. I'm going to use the system to attain financial security. I have a special needs child for whom I want to leave a legacy, because SSDI is managed by people who make a lot of mistakes, and is designed to be difficult to deal with (which results in people who really need the support getting none unless they have a champion to manage it for them), and I don't want him turned out on the streets after I pass. Where I believe I can add a moral component to is to work within the system to help the next generation attain that same security with less effort, and so that people like my son can always have a minimum level of support. All he needs is basic food, shelter, clothing, and for quality of life, an internet hookup. He works at a local place, his third job in 2 years. People with his disability have difficulty maintaining long term employment - but that's a long story. He is on SSDI getting variable levels of support based on his earnings, and for the most part he earns his way. I'm trying to create security for him so he's not on the damn merry-go-round of political parties creating then yanking then changing support programs. I have a real dark place in my heart for the people who blunder into complicated situations with ill considered actions.
I suspect we would all be better off with a forced savings scheme like you see in Australia. Bogleheads would save over and above that as we've always done, but there would be far fewer people with no savings at all.
The way I see it, working for these changes, to obviate the need for us all to take these risks to attain financial security would be the moral thing to do, rather than turning down opportunity. Then again, maybe I'm just rationalizing the course I've chosen - we all tend to do that to some extent.
"An investment in knowledge pays the best interest" - Benjamin Franklin
Re: What are you up YTD? [Year To Date]
2020 Performance:
Bond = 41.0%
Cash = 3.0%
Stock = 56.0% (US = 38%, NON-US = 18%)
Bond Diversification = [21 79 0; 0 0 0; 0 0 0]
Stock Diversification = [19 23 15; 9 12 5; 7 8 4]
Return = 10.06%
Expense Ratio = 0.07%
Bond = 41.0%
Cash = 3.0%
Stock = 56.0% (US = 38%, NON-US = 18%)
Bond Diversification = [21 79 0; 0 0 0; 0 0 0]
Stock Diversification = [19 23 15; 9 12 5; 7 8 4]
Return = 10.06%
Expense Ratio = 0.07%
Re: What are you up YTD? [Year To Date]
2020: 35% No beardstown. Crazy.
Re: What are you up YTD? [Year To Date]
Finished up 32% in 2020. Began the year at a 90/10 stock to LTT split and sold off the LTTs after the March-April surge and went to 100% stock. Paid off nicely
- abuss368
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Re: What are you up YTD? [Year To Date]
I actually don’t know if we are up or if we are down. I would expect up since the markets are up. A rising tide lifts all boats.
I don’t log into Vanguard to check up on it.
I simply don’t know and don’t care.
Whether I am up , down, or same, will not result in selling the funds I am in.
Best.
Tony
I don’t log into Vanguard to check up on it.
I simply don’t know and don’t care.
Whether I am up , down, or same, will not result in selling the funds I am in.
Best.
Tony
John C. Bogle: “Simplicity is the master key to financial success."
Re: What are you up YTD? [Year To Date]
5.37% for 2021 so far.
“Having, first, gained all you can, and, secondly saved all you can, then give all you can.” - John Wesley
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Re: What are you up YTD? [Year To Date]
Agree. I would just extend that compassion to everyone who falls on hard times. (Those with disabilities all the more so.)Portfolio7 wrote: ↑Sat Jan 09, 2021 10:21 amLegitimate question. Deserve is a loaded word, and that's something you'll need to decide for yourself. I would say we did the rational and appropriate thing given our knowledge and abilities. If you want to use the money for charitable endeavors, you can - but if you hadn't made the money in the first place, you'd have none to give away.revhappy wrote: ↑Fri Jan 08, 2021 12:33 am Do you guys really think we deserve the huge massive gains made this year? FED and other central banks wanted to help the economy and make sure the unemployment numbers dont get worse. Instead what we have is millionaires are becoming more richer, with the cheap money. Do we really need so much money? It is like the free money the FED is giving you. Will there be consequences? Maybe not to us white collar work from home guys. But some of the poorest people will be hit again very badly when the whole thing collapses.
The way I see it, I'm not bigger than the system. I'm going to use the system to attain financial security. I have a special needs child for whom I want to leave a legacy, because SSDI is managed by people who make a lot of mistakes, and is designed to be difficult to deal with (which results in people who really need the support getting none unless they have a champion to manage it for them), and I don't want him turned out on the streets after I pass. Where I believe I can add a moral component to is to work within the system to help the next generation attain that same security with less effort, and so that people like my son can always have a minimum level of support. All he needs is basic food, shelter, clothing, and for quality of life, an internet hookup. He works at a local place, his third job in 2 years. People with his disability have difficulty maintaining long term employment - but that's a long story. He is on SSDI getting variable levels of support based on his earnings, and for the most part he earns his way. I'm trying to create security for him so he's not on the damn merry-go-round of political parties creating then yanking then changing support programs. I have a real dark place in my heart for the people who blunder into complicated situations with ill considered actions.
I suspect we would all be better off with a forced savings scheme like you see in Australia. Bogleheads would save over and above that as we've always done, but there would be far fewer people with no savings at all.
The way I see it, working for these changes, to obviate the need for us all to take these risks to attain financial security would be the moral thing to do, rather than turning down opportunity. Then again, maybe I'm just rationalizing the course I've chosen - we all tend to do that to some extent.
Use your extra YTD gains to advocate for and support the change you want to see. Guilt doesn’t help anyone.
The most precious gift we can offer anyone is our attention. - Thich Nhat Hanh
Re: What are you up YTD? [Year To Date]
2021 shows around 5%. Good enough for this year
"My conscience wants vegetarianism to win over the world. And my subconscious is yearning for a piece of juicy meat. But what do i want?" (Andrei Tarkovsky)
Re: What are you up YTD? [Year To Date]
4% ignoring today, which is crazy.
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Re: What are you up YTD? [Year To Date]
5% in 2021, which is pretty high. I finished 2020 at 74%, which is insane; I don't expect to see that again.
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Re: What are you up YTD? [Year To Date]
Started the year with 5023 units of my global index fund of choice.
Bought another 230 units.
So I now have 5253 units, which means I am up 4.6%
Bought another 230 units.
So I now have 5253 units, which means I am up 4.6%
25% stock, 25% bonds, 25% cash, 25% stuff
Re: What are you up YTD? [Year To Date]
Well, this early in the year I don't know how meaningful YTD is. I usually look at the trailing year, and that's up 10.4%. About a 50/50 stock/bond AA and 80% of it is the 3 Fund portfolio.
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Re: What are you up YTD? [Year To Date]
Around 25% for 2020. I'd have to check on 2021, but probably not a lot.
Some of the numbers here are crazy. How are Bogleheads getting 40, 60, 70% returns for 2020?
Some of the numbers here are crazy. How are Bogleheads getting 40, 60, 70% returns for 2020?
- ruralavalon
- Posts: 26352
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Re: What are you up YTD? [Year To Date]
Some are not reporting returns, some are reporting returns plus new contributions a/k/a Beardstown Ladies' accounting.Maverick3320 wrote: ↑Wed Jan 27, 2021 2:34 pm Around 25% for 2020. I'd have to check on 2021, but probably not a lot.
Some of the numbers here are crazy. How are Bogleheads getting 40, 60, 70% returns for 2020?
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What are you up YTD? [Year To Date]
And some of us are not 100% Bogleheads and own some individual stocks that saw strong returns last year.ruralavalon wrote: ↑Wed Jan 27, 2021 3:24 pmSome are not reporting returns, some are reporting returns plus new contributions a/k/a Beardstown Ladies' accounting.Maverick3320 wrote: ↑Wed Jan 27, 2021 2:34 pm Around 25% for 2020. I'd have to check on 2021, but probably not a lot.
Some of the numbers here are crazy. How are Bogleheads getting 40, 60, 70% returns for 2020?
“Having, first, gained all you can, and, secondly saved all you can, then give all you can.” - John Wesley
- Portfolio7
- Posts: 1128
- Joined: Tue Aug 02, 2016 3:53 am
Re: What are you up YTD? [Year To Date]
1.9% as of yesterday in our core portfolio. Portfolio is about 80% Stocks, about 45% of those stocks international. FI is all Stable Value earning 3%.
I think this thread serves to some degree as a self check for some folks... meaning one shouldn't have returns that are very different from investors with similar portfolios. However, returns data is kind of useless unless you 1) exclude your contributions when calculating your gains, and unless you 2) give us an idea how you're invested. I know I appreciate it when posts include that information, so if y'all don't mind, I think it would help .
As to the discussion of high gains for 2020, some folks clearly have a significant investment in high return assets, which I expect are also high risk - whether that is individual stocks, bitcoin or similar, 3x leveraged funds, or options (or something more esoteric). I think it is helpful for people to realize what is driving those very large returns.
I think this thread serves to some degree as a self check for some folks... meaning one shouldn't have returns that are very different from investors with similar portfolios. However, returns data is kind of useless unless you 1) exclude your contributions when calculating your gains, and unless you 2) give us an idea how you're invested. I know I appreciate it when posts include that information, so if y'all don't mind, I think it would help .
As to the discussion of high gains for 2020, some folks clearly have a significant investment in high return assets, which I expect are also high risk - whether that is individual stocks, bitcoin or similar, 3x leveraged funds, or options (or something more esoteric). I think it is helpful for people to realize what is driving those very large returns.
"An investment in knowledge pays the best interest" - Benjamin Franklin
Re: What are you up YTD? [Year To Date]
I agree.Portfolio7 wrote: ↑Thu Jan 28, 2021 7:37 pm 1.9% as of yesterday in our core portfolio. Portfolio is about 80% Stocks, about 45% of those stocks international. FI is all Stable Value earning 3%.
I think this thread serves to some degree as a self check for some folks... meaning one shouldn't have returns that are very different from investors with similar portfolios. However, returns data is kind of useless unless you 1) exclude your contributions when calculating your gains, and unless you 2) give us an idea how you're invested. I know I appreciate it when posts include that information, so if y'all don't mind, I think it would help .
As to the discussion of high gains for 2020, some folks clearly have a significant investment in high return assets, which I expect are also high risk - whether that is individual stocks, bitcoin or similar, 3x leveraged funds, or options (or something more esoteric). I think it is helpful for people to realize what is driving those very large returns.
"There are no new ideas, only forgotten ones." -- Amity Shlaes
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Re: What are you up YTD? [Year To Date]
So here's a dumb question: how do you calculate your returns for the year? We're still putting money in each month, and rebalancing to reach our AA goal a couple times a year.
Re: What are you up YTD? [Year To Date]
Schwab does this for me automatically, however I did copy the following from "Four Pillars of Investing," page 186-187 some years ago:planetmike wrote: ↑Fri Jan 29, 2021 7:23 am So here's a dumb question: how do you calculate your returns for the year? We're still putting money in each month, and rebalancing to reach our AA goal a couple times a year.
-------------------------------------------------------------------------------------------------
To calculate return, divide ending number by beginning number and subtract 1.
$10,000 starting amount
$11,000 ending amount. Divide 11k by 10k and subtract 1.
Division = 1.1, subtract 1 and answer is .1 or 10% rate of return
With contributions (or withdrawals): Example - Use $500 as "net inflow." Subtract half from large number and add half to smaller number, so (11,000-250) (10,000+250) = 4.9% return
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My addition to the above ^ in green: 10,750 / 10,250 = 1.0487. Subtract "1" and you get 4.9%. This is probably not perfect because it doesn't take into account when the money was added, but it's good enough for most of us if indeed it works -- which I've never checked.
"There are no new ideas, only forgotten ones." -- Amity Shlaes
Re: What are you up YTD? [Year To Date]
Around 24% for 2020
So far for 2021 1.59% - thanks GME drama
So far for 2021 1.59% - thanks GME drama
Wealth is not about having a lot of money; it's about having a lot of options.
Re: What are you up YTD? [Year To Date]
2020 around 23%
2021 so far around 4.5%.
I own a sizable part in small and mid caps, more than the total stock market, which has had nice returns recently
2021 so far around 4.5%.
I own a sizable part in small and mid caps, more than the total stock market, which has had nice returns recently
Re: What are you up YTD? [Year To Date]
I was up nicely until 3rd week of Jan, but thanks to $GME drama, the last week has screwed up my Jan PNL. Now I am flat for the month.
Equities is heavily tilted toward FTSE100 ETF since I thought, brexit is resolved and UK equities are undervalued, I loaded up UK equities in Jan, bad timing Portfolio is 60 equities 40 debt.
Equities is heavily tilted toward FTSE100 ETF since I thought, brexit is resolved and UK equities are undervalued, I loaded up UK equities in Jan, bad timing Portfolio is 60 equities 40 debt.
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Re: What are you up YTD? [Year To Date]
My portfolio is individual stocks, sporadically hedged with options to protect against downside risk. In early 2020, my timing was coincidentally impeccable; I had a substantial hedge position at the start of the year which I liquidated almost exactly at the bottom and immediately bought long positions in stocks that did very well. I bought AMZN in the $1600s, less than a year ago. I hedged all the way up, which was lighting money on fire but the returns more than offset that.Maverick3320 wrote: ↑Wed Jan 27, 2021 2:34 pm Some of the numbers here are crazy. How are Bogleheads getting 40, 60, 70% returns for 2020?
Hedging isn't free. In that environment, it was something like a 5% drag on net returns depending on how you calculate it. But given that my net returns were >70%, I can hardly complain. And no, I've never owned TSLA or meme stocks. The core of my portfolio is buy-and-hold for many years.
There were a few different ways to have excellent returns in 2020. Above is one of them. I'm not clever, the situation just really fit my portfolio and investment strategy that year.
Re: What are you up YTD? [Year To Date]
From May 2020 until January 30 2021, I am 100% small cap stock (17). So far I have 14 in the green and 3 in the red. Return is +146%.
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Re: What are you up YTD? [Year To Date]
401k YTD - 5.2%
brokerage - 10.5%
brokerage - 10.5%
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Re: What are you up YTD? [Year To Date]
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.
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Re: What are you up YTD? [Year To Date]
This formula should get you pretty close to the answer:planetmike wrote: ↑Fri Jan 29, 2021 7:23 am So here's a dumb question: how do you calculate your returns for the year? We're still putting money in each month, and rebalancing to reach our AA goal a couple times a year.
(Current balance - this year deposits) / end-of-last year balance - 1.
TravelforFun
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Re: What are you up YTD? [Year To Date]
YTD I'm up 5.4%.
15% bond and 5% cash. Feeling like I should time the market and reduce stock exposure since things are so high. But trying to stay the course .
15% bond and 5% cash. Feeling like I should time the market and reduce stock exposure since things are so high. But trying to stay the course .
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Re: What are you up YTD? [Year To Date]
Up 9% so far in 2021. This retiree would have been up 12% if I hadn't had to withdraw money from my investment to live on.
TravelforFun
TravelforFun
Re: What are you up YTD? [Year To Date]
Up exactly 5% from 01/01/2021 to Friday, 02/05/2021.
Very pleased so far.
Very pleased so far.
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- ruralavalon
- Posts: 26352
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Re: What are you up YTD? [Year To Date]
Age 75, retired, our asset allocation is 50/50.
Total return of our portfolio is up 2.18% year to date.
Total return of our portfolio is up 2.18% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
- ruralavalon
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Re: What are you up YTD? [Year To Date]
You could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.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.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What are you up YTD? [Year To Date]
LOL, yes.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 amYou could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.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.
The "idiot-proof" strategy is: Buy a total market fund and hold it forever.
"There are no new ideas, only forgotten ones." -- Amity Shlaes
Re: What are you up YTD? [Year To Date]
Vanguard Three fund (50% VTI, 30% VXUS, 20% BND) up 3.49% YTD says VG website
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Re: What are you up YTD? [Year To Date]
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.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 amYou could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.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.
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Re: What are you up YTD? [Year To Date]
Trees don’t grow to the sky.Marseille07 wrote: ↑Sat Feb 06, 2021 10:31 amIt'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.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 amYou could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.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.
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Re: What are you up YTD? [Year To Date]
+1.Bluce wrote: ↑Sat Feb 06, 2021 10:11 amLOL, yes.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 amYou could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.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.
The "idiot-proof" strategy is: Buy a total market fund and hold it forever.
I might even call it smart.
The most precious gift we can offer anyone is our attention. - Thich Nhat Hanh
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Re: What are you up YTD? [Year To Date]
What are you guys even talking about. We all walk into a hole, Boglehead philosophy included. And the first thing to do isn't to sell your AA.finite_difference wrote: ↑Sat Feb 06, 2021 12:09 pm+1.Bluce wrote: ↑Sat Feb 06, 2021 10:11 amLOL, yes.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 amYou could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.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.
The "idiot-proof" strategy is: Buy a total market fund and hold it forever.
I might even call it smart.
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Re: What are you up YTD? [Year To Date]
I disagree. The Boglehead philosophy is designed to avoid holes. There are no holes, mountains, canyons, peaks, crags or valleys.Marseille07 wrote: ↑Sat Feb 06, 2021 12:12 pmWhat are you guys even talking about. We all walk into a hole, Boglehead philosophy included. And the first thing to do isn't to sell your AA.finite_difference wrote: ↑Sat Feb 06, 2021 12:09 pm+1.Bluce wrote: ↑Sat Feb 06, 2021 10:11 amLOL, yes.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 amYou could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.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.
The "idiot-proof" strategy is: Buy a total market fund and hold it forever.
I might even call it smart.
The most precious gift we can offer anyone is our attention. - Thich Nhat Hanh
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- Joined: Fri Nov 06, 2020 12:41 pm
Re: What are you up YTD? [Year To Date]
Let's agree to disagree then. I'm really not sure what to discuss here if you don't recognize drawdowns of BH portfolios.finite_difference wrote: ↑Sat Feb 06, 2021 12:20 pmI disagree. The Boglehead philosophy is designed to avoid holes. There are no holes, mountains, canyons, peaks, crags or valleys.Marseille07 wrote: ↑Sat Feb 06, 2021 12:12 pmWhat are you guys even talking about. We all walk into a hole, Boglehead philosophy included. And the first thing to do isn't to sell your AA.finite_difference wrote: ↑Sat Feb 06, 2021 12:09 pm+1.Bluce wrote: ↑Sat Feb 06, 2021 10:11 amLOL, yes.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 am
You could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.
The "idiot-proof" strategy is: Buy a total market fund and hold it forever.
I might even call it smart.
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- Joined: Wed Dec 18, 2019 8:17 pm
Re: What are you up YTD? [Year To Date]
What about March 2020?finite_difference wrote: ↑Sat Feb 06, 2021 12:20 pmI disagree. The Boglehead philosophy is designed to avoid holes. There are no holes, mountains, canyons, peaks, crags or valleys.Marseille07 wrote: ↑Sat Feb 06, 2021 12:12 pmWhat are you guys even talking about. We all walk into a hole, Boglehead philosophy included. And the first thing to do isn't to sell your AA.finite_difference wrote: ↑Sat Feb 06, 2021 12:09 pm+1.Bluce wrote: ↑Sat Feb 06, 2021 10:11 amLOL, yes.ruralavalon wrote: ↑Sat Feb 06, 2021 9:35 am
You could stop trading, and learn "stay the course". When in a hole the first thing to do is stop digging.
The "idiot-proof" strategy is: Buy a total market fund and hold it forever.
I might even call it smart.
Re: What are you up YTD? [Year To Date]
2021. 4.3 % YTD. I guess that is it for the year.
- ruralavalon
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Re: What are you up YTD? [Year To Date]
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."Marseille07 wrote: ↑Sat Feb 06, 2021 12:25 pmLet's agree to disagree then. I'm really not sure what to discuss here if you don't recognize drawdowns of BH portfolios.finite_difference wrote: ↑Sat Feb 06, 2021 12:20 pmI disagree. The Boglehead philosophy is designed to avoid holes. There are no holes, mountains, canyons, peaks, crags or valleys.Marseille07 wrote: ↑Sat Feb 06, 2021 12:12 pmWhat are you guys even talking about. We all walk into a hole, Boglehead philosophy included. And the first thing to do isn't to sell your AA.
That's way different than withdrawals from a portfolio.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
Re: What are you up YTD? [Year To Date]
Up 10.4% for 2021 through 2/5. My "non-Bogleheads" allocation, including a sizeable portion of MJ, has done well.
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Re: What are you up YTD? [Year To Date]
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.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.
Re: What are you up YTD? [Year To Date]
I am at roughly 4% excluding contributions. Allocation: 80 stocks (30 intl)/15 bonds/5 REITs.
Tell me, what is it you plan to do with your one wild and precious life? |
~Mary Oliver
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Re: What are you up YTD? [Year To Date]
March, 2020, was a month.manatee2005 wrote: ↑Sat Feb 06, 2021 12:30 pmWhat about March 2020?finite_difference wrote: ↑Sat Feb 06, 2021 12:20 pmI disagree. The Boglehead philosophy is designed to avoid holes. There are no holes, mountains, canyons, peaks, crags or valleys.Marseille07 wrote: ↑Sat Feb 06, 2021 12:12 pmWhat are you guys even talking about. We all walk into a hole, Boglehead philosophy included. And the first thing to do isn't to sell your AA.
The whole idea of a “hole” is meaningless if you are following the Boglehead philosophy. If you’re holding the market you’re never in a hole. The market was priced one way yesterday and it’s a different price today.
The Boglehead philosophy encourages us to think in terms of the long-term view. Not the short-term view. The long-term view is 10, 20, 30, or 50 years. Will your trades in March, 2020 be important to you in 2050? It’s the antidote to the day-trader mentality of holes and peaks.
That said, if you enjoy thinking in terms of holes and so on, that’s fine. If you don’t have an affliction then you don’t need an antidote!
Last edited by finite_difference on Sat Feb 06, 2021 4:11 pm, edited 1 time in total.
The most precious gift we can offer anyone is our attention. - Thich Nhat Hanh
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Re: What are you up YTD? [Year To Date]
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.Marseille07 wrote: ↑Sat Feb 06, 2021 1:30 pmMate, 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.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.
The most precious gift we can offer anyone is our attention. - Thich Nhat Hanh