What are you up YTD? [Year To Date]
-
- Posts: 605
- Joined: Fri Aug 05, 2016 10:31 am
Re: What are you up YTD? [Year To Date]
- 8.9% YTD
Roughly 60/40 Stock to Fixed Income. Total bond represents a small percentage of our FI.
Contemplated moving it to a Stable Value fund but decided to stay the course.
Roughly 60/40 Stock to Fixed Income. Total bond represents a small percentage of our FI.
Contemplated moving it to a Stable Value fund but decided to stay the course.
Re: What are you up YTD? [Year To Date]
The commodities were a fortuitous addition 2yrs ago when I saw Vanguard opened VCMDX. There was a lot of excitement about them around 2007/8 when they were in a bubble. Dropped 90%!! between then and May 2019. I figured it was a good bet. In retrospect, 20% would have been bettergoingup wrote: ↑Sun Jun 05, 2022 9:21 amI have to say I ran your portfolio through Portfolio Visualizer because I was a bit skeptical that your losses could be sub-5% for an 80/20 portfolio. Wow, it's amazing how much a 10% slice of Commodities helped. Also, SCV to a lesser degree.
Our 60/40 (ish) portfolio is down 10-11%, with an assortment of ST and IT bond funds.
Diversification works both ways. It's been rough watching my portfolio lag the S&P 500 for the last 13 years due to the Small/Value tilt.
I choose to not look too often.
The Espresso portfolio: |
|
20% US TSM, 20% Small Value, 10% US REIT, 10% Dev Int'l, 10% EM, 10% Commodities, 20% Inter-term US Treas |
|
"A journey of a thousand miles begins with a single step."
Re: What are you up YTD? [Year To Date]
so far this year: -7.98%
65% equities, 28% bonds, 7% gold broken down as follows:
19% Domestic Large Blend
13% Domestic Extended Mkt
7% Domestic Real Estate Fund
12% Large International
7% Small International
7% Emerging Markets
14% Inflation-Protected Bonds (much of which are older I-Bonds)
14% Nominal Bonds
7% Gold
65% equities, 28% bonds, 7% gold broken down as follows:
19% Domestic Large Blend
13% Domestic Extended Mkt
7% Domestic Real Estate Fund
12% Large International
7% Small International
7% Emerging Markets
14% Inflation-Protected Bonds (much of which are older I-Bonds)
14% Nominal Bonds
7% Gold
Re: What are you up YTD? [Year To Date]
Just completed my weekly update: -16.50% on a 60/40 portfolio. New low for the year.
Re: What are you up YTD? [Year To Date]
Update as of 6/10/22 market close:
Asset allocation: 58% stocks/38% bonds/4% cash
-12.4%
Asset allocation: 58% stocks/38% bonds/4% cash
-12.4%
Last edited by Fortitude on Sat Jun 11, 2022 7:41 pm, edited 1 time in total.
Re: What are you up YTD? [Year To Date]
YTD -17.97%
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
Re: What are you up YTD? [Year To Date]
According to Fidelity, about 9% but I hadn’t established a permanent portfolio until early February. Before 2022, I was heavy into tech and garbage sector funds. The last week of 2021 I went in to something like 50% VOO and 50% AVUV. Then I was finally convinced about the benefits of international diversification and added that in mid-January. Finally, I added some large value tilt as well. According to ETF breakdown, that portfolio should be down 9.67%. Worst performing is VTI, which is a good thing I implemented international diversification when I did. Best is RPV, my favorite dumb-beta ETF which is down a hilarious 1.22% and was positive before Friday. Yeah it’s flawed, but it destroys whenever value is in favor. Additionally, it does have quite a long history for a factor ETF and has outperformed in the long-term if you weather through the ARKK-levels volatility. YOLO on Berkshire Hathaway, Archer-Daniels, and MetLife.
-
- Posts: 221
- Joined: Sat Oct 27, 2018 8:55 am
Re: What are you up YTD? [Year To Date]
YTD -1.6%
- ruralavalon
- Posts: 26351
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
What is your asset allocation?
"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]
As I posted on another thread, we are up 18% or so since retiring in 2017.
-
- Posts: 221
- Joined: Sat Oct 27, 2018 8:55 am
Re: What are you up YTD? [Year To Date]
Variable. Since late February, 90% cash and 10% in the golden butterfly.
Re: What are you up YTD? [Year To Date]
Variable?bikeeagle1 wrote: ↑Mon Jun 13, 2022 3:05 pmVariable. Since late February, 90% cash and 10% in the golden butterfly.
Seems equivalent to market timing. Not that I’m bashing it as many in this forum might be quick to do, but it makes me wonder. Is your variable asset allocation approach one that you consistently employ? If so, I’m curious what your longer term rate of return is over the previous five years or ten years by managing your portfolio this way as opposed to looking at just the last 5 1/2 months.
-
- Posts: 221
- Joined: Sat Oct 27, 2018 8:55 am
Re: What are you up YTD? [Year To Date]
Yes, it is market timing. It's something I've been developing since before covid, so I've been mostly in cash and only live testing it in a small allocation. That particular allocation is up 41.9% since re-entering the market in June of 2020 and exiting in February of this year. Prior to that, the system had exited the market in early March of 2020 and re-entered in June.Fortitude wrote: ↑Mon Jun 13, 2022 3:27 pmVariable?bikeeagle1 wrote: ↑Mon Jun 13, 2022 3:05 pmVariable. Since late February, 90% cash and 10% in the golden butterfly.
Seems equivalent to market timing. Not that I’m bashing it as many in this forum might be quick to do, but it makes me wonder. Is your variable asset allocation approach one that you consistently employ? If so, I’m curious what your longer term rate of return is over the previous five years or ten years by managing your portfolio this way as opposed to looking at just the last 5 1/2 months.
The -1.6% return YTD is all portfolios combined. After some further verification of live performance during this current market drawdown, I plan to evaluate how the system did, and also how I responded to it emotionally (equally as important as performance). If both the system and my tolerance of it are a good fit, I will roll it out more fully as the current market cycle resolves itself. So far, I'm loving it. The covid crash was a real snoozer thanks to the system, and so is this current one. I'm a firm believer that investing should be about as exciting as watching grass grow.
Re: What are you up YTD? [Year To Date]
Up 1.5% YTD after today’s sell-off. I have been significantly underweight equity and bonds coming into this year due to valuation concerns and I traded the various rallies this year aggressively in my non-taxable accounts. Have now deployed most of the cash, maybe 12% or so left.
My stock / bond portion is flat now YTD, gains are mainly from real estate investments (Fundrise), private equity and private lending.
I realized in the early 2010s that the static “buy and forget” approach is not for me. At the beginning of this year my CAGR since 2013 (when I started tracking) was essentially equal to my benchmark portfolio, I’m now significantly ahead.
My stock / bond portion is flat now YTD, gains are mainly from real estate investments (Fundrise), private equity and private lending.
I realized in the early 2010s that the static “buy and forget” approach is not for me. At the beginning of this year my CAGR since 2013 (when I started tracking) was essentially equal to my benchmark portfolio, I’m now significantly ahead.
Re: What are you up YTD? [Year To Date]
-21.29 YTD so far.
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
-
- Posts: 142
- Joined: Sun Oct 24, 2010 9:09 pm
Re: What are you up YTD? [Year To Date]
- 12.97 % YTD
Re: What are you up YTD? [Year To Date]
Weren't early March and June of 2020 roughly equivalent? How much did the system save you then? Even if you didn't come out ahead of a buy and hold strategy it probably feels nicer when you don't have to see as big a drawdown. Plus if ish really hits the fan (which didn't happen for COVID crash 1 but could happen in the next year, who knows) you have plenty of cash to keep you safe.bikeeagle1 wrote: ↑Mon Jun 13, 2022 4:10 pmYes, it is market timing. It's something I've been developing since before covid, so I've been mostly in cash and only live testing it in a small allocation. That particular allocation is up 41.9% since re-entering the market in June of 2020 and exiting in February of this year. Prior to that, the system had exited the market in early March of 2020 and re-entered in June.Fortitude wrote: ↑Mon Jun 13, 2022 3:27 pmVariable?bikeeagle1 wrote: ↑Mon Jun 13, 2022 3:05 pmVariable. Since late February, 90% cash and 10% in the golden butterfly.
Seems equivalent to market timing. Not that I’m bashing it as many in this forum might be quick to do, but it makes me wonder. Is your variable asset allocation approach one that you consistently employ? If so, I’m curious what your longer term rate of return is over the previous five years or ten years by managing your portfolio this way as opposed to looking at just the last 5 1/2 months.
The -1.6% return YTD is all portfolios combined. After some further verification of live performance during this current market drawdown, I plan to evaluate how the system did, and also how I responded to it emotionally (equally as important as performance). If both the system and my tolerance of it are a good fit, I will roll it out more fully as the current market cycle resolves itself. So far, I'm loving it. The covid crash was a real snoozer thanks to the system, and so is this current one. I'm a firm believer that investing should be about as exciting as watching grass grow.
I think I'm going to implement a system where I take out a second mortgage and dump in TQQQ next time the Fed announces QE.
Re: What are you up YTD? [Year To Date]
-19.55 ytd
Re: What are you up YTD? [Year To Date]
Everyone is getting ready to do that!bagastuff wrote: ↑Tue Jun 14, 2022 8:32 pmWeren't early March and June of 2020 roughly equivalent? How much did the system save you then? Even if you didn't come out ahead of a buy and hold strategy it probably feels nicer when you don't have to see as big a drawdown. Plus if ish really hits the fan (which didn't happen for COVID crash 1 but could happen in the next year, who knows) you have plenty of cash to keep you safe.bikeeagle1 wrote: ↑Mon Jun 13, 2022 4:10 pmYes, it is market timing. It's something I've been developing since before covid, so I've been mostly in cash and only live testing it in a small allocation. That particular allocation is up 41.9% since re-entering the market in June of 2020 and exiting in February of this year. Prior to that, the system had exited the market in early March of 2020 and re-entered in June.Fortitude wrote: ↑Mon Jun 13, 2022 3:27 pmVariable?bikeeagle1 wrote: ↑Mon Jun 13, 2022 3:05 pmVariable. Since late February, 90% cash and 10% in the golden butterfly.
Seems equivalent to market timing. Not that I’m bashing it as many in this forum might be quick to do, but it makes me wonder. Is your variable asset allocation approach one that you consistently employ? If so, I’m curious what your longer term rate of return is over the previous five years or ten years by managing your portfolio this way as opposed to looking at just the last 5 1/2 months.
The -1.6% return YTD is all portfolios combined. After some further verification of live performance during this current market drawdown, I plan to evaluate how the system did, and also how I responded to it emotionally (equally as important as performance). If both the system and my tolerance of it are a good fit, I will roll it out more fully as the current market cycle resolves itself. So far, I'm loving it. The covid crash was a real snoozer thanks to the system, and so is this current one. I'm a firm believer that investing should be about as exciting as watching grass grow.
I think I'm going to implement a system where I take out a second mortgage and dump in TQQQ next time the Fed announces QE.
-
- Posts: 1726
- Joined: Fri Jan 03, 2014 7:31 pm
- Location: Kansas City, MO
Re: What are you up YTD? [Year To Date]
-8.50% YTD which includes my SCV tilt and dividend port.
70% AVGE | 20% FXNAX | 10% T-Bill/Muni
Re: What are you up YTD? [Year To Date]
-12.7% since ATH in dec'21
AA 70/30
Live in UK buy and hold, predominantly global index stock and bond with one outsized holding in MSFT from RSUs
AA 70/30
Live in UK buy and hold, predominantly global index stock and bond with one outsized holding in MSFT from RSUs
AA: 75/22/3: 50% VWRL | 25% MSFT | 22% VAGP | 3% Cash. |
Age 50. Early retiree 7 years now, renting my property whilst fulltime travelling, focused on health & happiness
-
- Posts: 221
- Joined: Sat Oct 27, 2018 8:55 am
Re: What are you up YTD? [Year To Date]
Yes, March and June turned out to be the same in hindsight, but things could very easily have been very different. At the time, March through June looked much scarier than they do today. I am 100% happy to have been out during that period, even though it turned out not to have made much difference.bagastuff wrote: ↑Tue Jun 14, 2022 8:32 pmWeren't early March and June of 2020 roughly equivalent? How much did the system save you then? Even if you didn't come out ahead of a buy and hold strategy it probably feels nicer when you don't have to see as big a drawdown. Plus if ish really hits the fan (which didn't happen for COVID crash 1 but could happen in the next year, who knows) you have plenty of cash to keep you safe.bikeeagle1 wrote: ↑Mon Jun 13, 2022 4:10 pmYes, it is market timing. It's something I've been developing since before covid, so I've been mostly in cash and only live testing it in a small allocation. That particular allocation is up 41.9% since re-entering the market in June of 2020 and exiting in February of this year. Prior to that, the system had exited the market in early March of 2020 and re-entered in June.Fortitude wrote: ↑Mon Jun 13, 2022 3:27 pmVariable?bikeeagle1 wrote: ↑Mon Jun 13, 2022 3:05 pmVariable. Since late February, 90% cash and 10% in the golden butterfly.
Seems equivalent to market timing. Not that I’m bashing it as many in this forum might be quick to do, but it makes me wonder. Is your variable asset allocation approach one that you consistently employ? If so, I’m curious what your longer term rate of return is over the previous five years or ten years by managing your portfolio this way as opposed to looking at just the last 5 1/2 months.
The -1.6% return YTD is all portfolios combined. After some further verification of live performance during this current market drawdown, I plan to evaluate how the system did, and also how I responded to it emotionally (equally as important as performance). If both the system and my tolerance of it are a good fit, I will roll it out more fully as the current market cycle resolves itself. So far, I'm loving it. The covid crash was a real snoozer thanks to the system, and so is this current one. I'm a firm believer that investing should be about as exciting as watching grass grow.
I think I'm going to implement a system where I take out a second mortgage and dump in TQQQ next time the Fed announces QE.
I think the thing that is often overlooked when comparing timing to buy-and-hold is the value of timing in reducing sequence of returns risk. If you're a long way from retirement, SORR doesn't matter. Just continuing to buy all the way down and all the way up is much easier to live with. When you're retired, that is much harder, and you are happy to avoid those big drawdowns whenever you can.
Re: What are you up YTD? [Year To Date]
When are you getting back in?bikeeagle1 wrote: ↑Wed Jun 15, 2022 6:00 amYes, March and June turned out to be the same in hindsight, but things could very easily have been very different. At the time, March through June looked much scarier than they do today. I am 100% happy to have been out during that period, even though it turned out not to have made much difference.bagastuff wrote: ↑Tue Jun 14, 2022 8:32 pmWeren't early March and June of 2020 roughly equivalent? How much did the system save you then? Even if you didn't come out ahead of a buy and hold strategy it probably feels nicer when you don't have to see as big a drawdown. Plus if ish really hits the fan (which didn't happen for COVID crash 1 but could happen in the next year, who knows) you have plenty of cash to keep you safe.bikeeagle1 wrote: ↑Mon Jun 13, 2022 4:10 pmYes, it is market timing. It's something I've been developing since before covid, so I've been mostly in cash and only live testing it in a small allocation. That particular allocation is up 41.9% since re-entering the market in June of 2020 and exiting in February of this year. Prior to that, the system had exited the market in early March of 2020 and re-entered in June.Fortitude wrote: ↑Mon Jun 13, 2022 3:27 pmVariable?bikeeagle1 wrote: ↑Mon Jun 13, 2022 3:05 pm
Variable. Since late February, 90% cash and 10% in the golden butterfly.
Seems equivalent to market timing. Not that I’m bashing it as many in this forum might be quick to do, but it makes me wonder. Is your variable asset allocation approach one that you consistently employ? If so, I’m curious what your longer term rate of return is over the previous five years or ten years by managing your portfolio this way as opposed to looking at just the last 5 1/2 months.
The -1.6% return YTD is all portfolios combined. After some further verification of live performance during this current market drawdown, I plan to evaluate how the system did, and also how I responded to it emotionally (equally as important as performance). If both the system and my tolerance of it are a good fit, I will roll it out more fully as the current market cycle resolves itself. So far, I'm loving it. The covid crash was a real snoozer thanks to the system, and so is this current one. I'm a firm believer that investing should be about as exciting as watching grass grow.
I think I'm going to implement a system where I take out a second mortgage and dump in TQQQ next time the Fed announces QE.
I think the thing that is often overlooked when comparing timing to buy-and-hold is the value of timing in reducing sequence of returns risk. If you're a long way from retirement, SORR doesn't matter. Just continuing to buy all the way down and all the way up is much easier to live with. When you're retired, that is much harder, and you are happy to avoid those big drawdowns whenever you can.
I accidentally market time my fixed income. I sold all my total bond in Apr 2020. Switched to my 401k stable value @ 1.8%. I did this because I felt 1.8% was good enough to cover my 2.25% fixed rate mortgage. Turns out I was brilliant. I avoided $121k of NAV drop and now all that money is in CD and treasuries earning 3%. But when do I get back into total bond? No idea, but 3% is good enough for now.
Consistently sets low goals and fails to achieve them.
- ruralavalon
- Posts: 26351
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
That's a happy accident , that is different than market timing which is making decisions to buy or sell investments based on economic factors that might affect the direction of the market.corn18 wrote: ↑Wed Jun 15, 2022 11:42 amWhen are you getting back in?bikeeagle1 wrote: ↑Wed Jun 15, 2022 6:00 amYes, March and June turned out to be the same in hindsight, but things could very easily have been very different. At the time, March through June looked much scarier than they do today. I am 100% happy to have been out during that period, even though it turned out not to have made much difference.bagastuff wrote: ↑Tue Jun 14, 2022 8:32 pmWeren't early March and June of 2020 roughly equivalent? How much did the system save you then? Even if you didn't come out ahead of a buy and hold strategy it probably feels nicer when you don't have to see as big a drawdown. Plus if ish really hits the fan (which didn't happen for COVID crash 1 but could happen in the next year, who knows) you have plenty of cash to keep you safe.bikeeagle1 wrote: ↑Mon Jun 13, 2022 4:10 pmYes, it is market timing. It's something I've been developing since before covid, so I've been mostly in cash and only live testing it in a small allocation. That particular allocation is up 41.9% since re-entering the market in June of 2020 and exiting in February of this year. Prior to that, the system had exited the market in early March of 2020 and re-entered in June.Fortitude wrote: ↑Mon Jun 13, 2022 3:27 pm
Variable?
Seems equivalent to market timing. Not that I’m bashing it as many in this forum might be quick to do, but it makes me wonder. Is your variable asset allocation approach one that you consistently employ? If so, I’m curious what your longer term rate of return is over the previous five years or ten years by managing your portfolio this way as opposed to looking at just the last 5 1/2 months.
The -1.6% return YTD is all portfolios combined. After some further verification of live performance during this current market drawdown, I plan to evaluate how the system did, and also how I responded to it emotionally (equally as important as performance). If both the system and my tolerance of it are a good fit, I will roll it out more fully as the current market cycle resolves itself. So far, I'm loving it. The covid crash was a real snoozer thanks to the system, and so is this current one. I'm a firm believer that investing should be about as exciting as watching grass grow.
I think I'm going to implement a system where I take out a second mortgage and dump in TQQQ next time the Fed announces QE.
I think the thing that is often overlooked when comparing timing to buy-and-hold is the value of timing in reducing sequence of returns risk. If you're a long way from retirement, SORR doesn't matter. Just continuing to buy all the way down and all the way up is much easier to live with. When you're retired, that is much harder, and you are happy to avoid those big drawdowns whenever you can.
I accidentally market time my fixed income. I sold all my total bond in Apr 2020. Switched to my 401k stable value @ 1.8%. I did this because I felt 1.8% was good enough to cover my 2.25% fixed rate mortgage. Turns out I was brilliant. I avoided $121k of NAV drop and now all that money is in CD and treasuries earning 3%. But when do I get back into total bond? No idea, but 3% is good enough for now.
"Everything should be as simple as it is, but not simpler." - Albert Einstein |
Wiki article link: Bogleheads® investment philosophy
-
- Posts: 221
- Joined: Sat Oct 27, 2018 8:55 am
Re: What are you up YTD? [Year To Date]
Well, that's a heckofa lot better than my plan on when to get back into total bond.bikeeagle1 wrote: ↑Wed Jun 15, 2022 12:26 pmI don't want to give away all of my indicators, but a close enough answer would be when SPY closes a month above its 200-Day MA.
Consistently sets low goals and fails to achieve them.
-
- Posts: 221
- Joined: Sat Oct 27, 2018 8:55 am
Re: What are you up YTD? [Year To Date]
What is your plan? Come to think of it, since the Fed is driving rates higher (and markets lower), and since bonds and stocks have become more correlated as a result, my indicator might work for bonds too. Just a thought.
Re: What are you up YTD? [Year To Date]
+7.65% YTD
I deviated a bit from a pretty vanilla 5 fund portfolio. Once it was painfully obviously the Fed interest rate hikes were going to slow the economy, I started dabbling in some inverse/short index funds, i.e., funds designed to inversely follow the major indexes. I'm not trying to "time the market" by any means, and I held onto about 35% of my index funds as a hedge, but the plan is to ride these inverse funds until inflation has a clear trend of downward pressure, then I'll switch back exclusively to my 5 fund portfolio.
I deviated a bit from a pretty vanilla 5 fund portfolio. Once it was painfully obviously the Fed interest rate hikes were going to slow the economy, I started dabbling in some inverse/short index funds, i.e., funds designed to inversely follow the major indexes. I'm not trying to "time the market" by any means, and I held onto about 35% of my index funds as a hedge, but the plan is to ride these inverse funds until inflation has a clear trend of downward pressure, then I'll switch back exclusively to my 5 fund portfolio.
- ruralavalon
- Posts: 26351
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
This is market timing, that is making decisions to buy or sell investments based on economic factors that might affect the direction of the market.TopherM1 wrote: ↑Wed Jun 15, 2022 1:43 pm +7.65% YTD
I deviated a bit from a pretty vanilla 5 fund portfolio. Once it was painfully obviously the Fed interest rate hikes were going to slow the economy, I started dabbling in some inverse/short index funds, i.e., funds designed to inversely follow the major indexes. I'm not trying to "time the market" by any means, and I held onto about 35% of my index funds as a hedge, but the plan is to ride these inverse funds until inflation has a clear trend of downward pressure, then I'll switch back exclusively to my 5 fund 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]
-13% YTD
AA: 90% equities / 10% bonds
AA: 90% equities / 10% bonds
-
- Posts: 3611
- Joined: Wed Dec 30, 2009 8:02 pm
Re: What are you up YTD? [Year To Date]
I'm getting -0.3%. Portfolio, which hasn't changed significantly in composition for years: 70% gold, 20% CHF, 10% cash. (Not counting my paid-off house or my car loan, which is my only debt.)
In theory, theory and practice are identical. In practice, they often differ.
-
- Posts: 169
- Joined: Fri Sep 08, 2017 11:00 pm
- Location: Madison, WI
Re: What are you up YTD? [Year To Date]
-4.92% YTD
I had moved most of my FXAIX into a SVF earlier this year, but went back into 100% FXAIX today.
I had moved most of my FXAIX into a SVF earlier this year, but went back into 100% FXAIX today.
- MikeWillRetire
- Posts: 790
- Joined: Fri Jun 29, 2012 12:36 pm
Re: What are you up YTD? [Year To Date]
-6.6% YTD
AA 33/67
AA 33/67
Re: What are you up YTD? [Year To Date]
-26% now. 100% stock, still holding Amazon, Apple, Microsoft and Meta from 2013 and 100 shares of ARKK. It has been a rough year. Last year was ok but still underperformed. I know I should sell or pair back some of those tech names, but I feel foolish doing it after they've all seen a 30-40% drop. I also think they are all still great companies.
Re: What are you up YTD? [Year To Date]
Still with ARKK? Just for fond memories?atdharris wrote: ↑Fri Jun 17, 2022 11:01 am -26% now. 100% stock, still holding Amazon, Apple, Microsoft and Meta from 2013 and 100 shares of ARKK. It has been a rough year. Last year was ok but still underperformed. I know I should sell or pair back some of those tech names, but I feel foolish doing it after they've all seen a 30-40% drop. I also think they are all still great companies.
- 9-5 Suited
- Posts: 1307
- Joined: Thu Jun 23, 2016 12:14 pm
Re: What are you up YTD? [Year To Date]
How much of that 67% is in cash/CDs? BND's NAV is down 11.5% YTD not to mention the 33% stock component, so guessing it's quite a bit?
Re: What are you up YTD? [Year To Date]
At this point, yes. I keep telling myself it really can't fall much more and yet, here we are. I also keep it as a lesson that I can't expect actively managed funds to outperform in the long term and I shouldn't bother investing in them. I had a huge gain in the fund at one point that has not surprisingly evaporated.jarjarM wrote: ↑Fri Jun 17, 2022 11:07 amStill with ARKK? Just for fond memories?atdharris wrote: ↑Fri Jun 17, 2022 11:01 am -26% now. 100% stock, still holding Amazon, Apple, Microsoft and Meta from 2013 and 100 shares of ARKK. It has been a rough year. Last year was ok but still underperformed. I know I should sell or pair back some of those tech names, but I feel foolish doing it after they've all seen a 30-40% drop. I also think they are all still great companies.
-
- Posts: 2728
- Joined: Mon Nov 10, 2014 10:34 pm
Re: What are you up YTD? [Year To Date]
Down a lot, but I don’t know how much because I’m not looking. Investing is on autopilot and happens weekly, bi-monthly and monthly into various accounts. I’ll look in December or maybe earlier if things change course dramatically (which I doubt at this point, but who the heck knows?).
Re: What are you up YTD? [Year To Date]
It's -15% YTD now. No, my equities are in a cap-weighted global stock market index fund.
International diversification + favorable currency exchange rate (I live in Europe and the US dollar strengthened against the EUR... 1 usd was worth 0.88 eur on Jan 1st, now it's worth 0.95 eur).
- MikeWillRetire
- Posts: 790
- Joined: Fri Jun 29, 2012 12:36 pm
Re: What are you up YTD? [Year To Date]
None is in cash or CD's. I am a federal employee, and my money is in a mixture of L-income and L2030. I believe most is in the G-fund (government securities).9-5 Suited wrote: ↑Fri Jun 17, 2022 11:14 amHow much of that 67% is in cash/CDs? BND's NAV is down 11.5% YTD not to mention the 33% stock component, so guessing it's quite a bit?
Mike
Re: What are you up YTD? [Year To Date]
We're now down more YTD than we had total at the end of 2014. Don't know how to feel about that.
Re: What are you up YTD? [Year To Date]
We are -12% YTD with AA as of now 55:45. Got lucky being out of bond since a year ago but still hit by US equities.tobyy wrote: ↑Fri Jun 17, 2022 12:29 pmIt's -15% YTD now. No, my equities are in a cap-weighted global stock market index fund.International diversification + favorable currency exchange rate (I live in Europe and the US dollar strengthened against the EUR... 1 usd was worth 0.88 eur on Jan 1st, now it's worth 0.95 eur).
Re: What are you up YTD? [Year To Date]
60/40
-17.0%
-17.0%
- familythriftmd
- Posts: 772
- Joined: Fri Sep 18, 2020 10:15 am
- Location: Wisconsin
Re: What are you up YTD? [Year To Date]
When we post updates here, do we count contributions? If so, then I would be pretty flat since in early accumulation phase.
Re: What are you up YTD? [Year To Date]
^^^ Good question. See the wiki: Calculating personal returns and note the term "investor return"
(I'm not sure of the answer, but it's a good place to start.)
(I'm not sure of the answer, but it's a good place to start.)
-
- Posts: 1050
- Joined: Mon Jan 28, 2019 2:38 pm
Re: What are you up YTD? [Year To Date]
A lot of people will state that they are using "Beardstown" math or accounting, which means that they are just comparing the balances of their portfolios from the start of a period to the end so that contributions get counted as growth. It has the virtue of being very simple to calculate and may be what you actually care about for some purposes. Here is a thread on calculating the internal money-weighted rate of return, with a spreadsheet to do the calculations, which drills down more specifically into how your investments are doing, not the broader financial picture that includes contributions.familythriftmd wrote: ↑Sat Jun 18, 2022 9:02 am When we post updates here, do we count contributions? If so, then I would be pretty flat since in early accumulation phase.
It can make a big difference if you are still making significant contributions. We are not all that early in accumulation, with over 15x saved, but the difference between the two numbers is still large. We are only down about 6% using Beardstown math YTD, but IRR would be more like down 16-18% if I sat down to do the calculation today.
Global Market Portfolio + modest tilt towards volatility (80/20->60/40 as approach FI) + modest tilt away from exchange rate risk (80% global+20% U.S. stocks; currency-hedge bonds) + tax optimization
- familythriftmd
- Posts: 772
- Joined: Fri Sep 18, 2020 10:15 am
- Location: Wisconsin
Re: What are you up YTD? [Year To Date]
Thanks! Looks like according to the spreadsheet, the total portfolio was up 11% from 12/12/2021 to 4/16/2022. That was the most granular I could easily get since I didn't input stuff into the spreadsheet on exactly 12/31 or 1/01. I'll have to run them again this weekend and see where we stand, but heuristically looks pretty flat from April to June.HootingSloth wrote: ↑Sat Jun 18, 2022 10:57 amA lot of people will state that they are using "Beardstown" math or accounting, which means that they are just comparing the balances of their portfolios from the start of a period to the end so that contributions get counted as growth. It has the virtue of being very simple to calculate and may be what you actually care about for some purposes. Here is a thread on calculating the internal money-weighted rate of return, with a spreadsheet to do the calculations, which drills down more specifically into how your investments are doing, not the broader financial picture that includes contributions.familythriftmd wrote: ↑Sat Jun 18, 2022 9:02 am When we post updates here, do we count contributions? If so, then I would be pretty flat since in early accumulation phase.
It can make a big difference if you are still making significant contributions. We are not all that early in accumulation, with over 15x saved, but the difference between the two numbers is still large. We are only down about 6% using Beardstown math YTD, but IRR would be more like down 16-18% if I sat down to do the calculation today.
- 9-5 Suited
- Posts: 1307
- Joined: Thu Jun 23, 2016 12:14 pm
Re: What are you up YTD? [Year To Date]
Nice. The G-Fund is 'cash-like' with its principal protection but with a super-charged rate of return, so that has worked out great for you this year as marked-to-market bonds decline in principal value.MikeWillRetire wrote: ↑Fri Jun 17, 2022 3:55 pmNone is in cash or CD's. I am a federal employee, and my money is in a mixture of L-income and L2030. I believe most is in the G-fund (government securities).9-5 Suited wrote: ↑Fri Jun 17, 2022 11:14 amHow much of that 67% is in cash/CDs? BND's NAV is down 11.5% YTD not to mention the 33% stock component, so guessing it's quite a bit?
Mike