What are you up YTD? [Year To Date]

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.
59Gibson
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Re: What are you up YTD? [Year To Date]

Post by 59Gibson »

I check 2 brokerage accts at the end of every month. This morning Down 4.18%ytd. 55s/20b/25 cash and alts. Not that the last 4 months means anything.
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sleepysurf
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Re: What are you up YTD? [Year To Date]

Post by sleepysurf »

Down 8.8% YTD, and will continue TLH'ing if decline continues. Still sleeping very well at night.
Last edited by sleepysurf on Sat Apr 30, 2022 12:57 pm, edited 1 time in total.
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sschoe2
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Re: What are you up YTD? [Year To Date]

Post by sschoe2 »

Down about 10%. I am treading water this year. Putting money in and keeping my net worth about where it is.
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czeckers
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Re: What are you up YTD? [Year To Date]

Post by czeckers »

Just checked for first time since New Year. Pleasantly surprised that I'm down just 0.6% YTD.

Portfolio in signature line.

The commodity slice has definitely helped in the last year. It's grown to 15% of the total pie. I do annual rebalancing on Halloween (because it's supposed to be a little scary) so am letting it ride for now.

-K
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."
Fortitude
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Re: What are you up YTD? [Year To Date]

Post by Fortitude »

lostcoast wrote: Sat Apr 30, 2022 12:11 pm
Fortitude wrote: Sat Apr 30, 2022 12:04 pm
lostcoast wrote: Sat Apr 30, 2022 11:32 am Down 7.11% with 55/45 at start of year and now 52/48.
I was totally out of bonds at the start of year and I went back in 4/26.
I’m curious. With both asset classes moving aggressively downward since the beginning of the year, what was your logic in not pulling out of stocks as well and then determining when to get back in?
Stocks are in taxable with 2+mil in cap gains. I okay with the volatility however with bonds in my IRA I did some thinking and made the decision last summer to go into cash with the position. No tax consequence. I saw no way were bonds NAV's going to climb up anything like they fell. I was only risking a 1.5%/yr. 'or so at the time' dividend for what looked like a possible end to cheap money with inflation in the headlines.
Got it. I stupidly forgot about the equities likely being in your taxable account(s). I'm in the same position.

Nice call with the move in bonds. I was contemplating the same move myself and, like you, also had to weigh the loss in dividend income by pulling out of bonds against the loss in price depreciation by staying in. Sine our bond allocation is quite significant in absolute dollars, the outcome was a wash by staying in bonds.
rkhusky
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Re: What are you up YTD? [Year To Date]

Post by rkhusky »

Fortitude wrote: Sat Apr 30, 2022 8:56 am However, keep in mind that the yields that you referenced on the bond funds, which appear to be SEC yields, are the yields on new shares that are added to the portfolio today.
I view it as the yield that all shares will get going forward if there aren't any further interest rate changes. Shares added today haven't had the NAV decreases that older shares have had, so are making money going forward. Older shares have to make up the NAV decreases before making money.
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Raraculus
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Re: What are you up YTD? [Year To Date]

Post by Raraculus »

Down roughly 19% for the year. :shock: PSLDX has underperformed severely so far, compared to a bang-bang 2021. There's always the next quarter, next year, and I'm feeling optimistic.
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corn18
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Re: What are you up YTD? [Year To Date]

Post by corn18 »

Fortitude wrote: Sat Apr 30, 2022 1:41 pm
lostcoast wrote: Sat Apr 30, 2022 12:11 pm
Fortitude wrote: Sat Apr 30, 2022 12:04 pm
lostcoast wrote: Sat Apr 30, 2022 11:32 am Down 7.11% with 55/45 at start of year and now 52/48.
I was totally out of bonds at the start of year and I went back in 4/26.
I’m curious. With both asset classes moving aggressively downward since the beginning of the year, what was your logic in not pulling out of stocks as well and then determining when to get back in?
Stocks are in taxable with 2+mil in cap gains. I okay with the volatility however with bonds in my IRA I did some thinking and made the decision last summer to go into cash with the position. No tax consequence. I saw no way were bonds NAV's going to climb up anything like they fell. I was only risking a 1.5%/yr. 'or so at the time' dividend for what looked like a possible end to cheap money with inflation in the headlines.
Got it. I stupidly forgot about the equities likely being in your taxable account(s). I'm in the same position.

Nice call with the move in bonds. I was contemplating the same move myself and, like you, also had to weigh the loss in dividend income by pulling out of bonds against the loss in price depreciation by staying in. Sine our bond allocation is quite significant in absolute dollars, the outcome was a wash by staying in bonds.
I made the move last spring in my 401k from a total bond fund to stable value fund yielding 1.8%. I avoided $100k in losses and instead earned $3500 of interest. Yeah for market timing!
Consistently sets low goals and fails to achieve them.
lostcoast
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Re: What are you up YTD? [Year To Date]

Post by lostcoast »

corn18 wrote: Sat Apr 30, 2022 4:39 pm
Fortitude wrote: Sat Apr 30, 2022 1:41 pm
lostcoast wrote: Sat Apr 30, 2022 12:11 pm
Fortitude wrote: Sat Apr 30, 2022 12:04 pm
lostcoast wrote: Sat Apr 30, 2022 11:32 am Down 7.11% with 55/45 at start of year and now 52/48.
I was totally out of bonds at the start of year and I went back in 4/26.
I’m curious. With both asset classes moving aggressively downward since the beginning of the year, what was your logic in not pulling out of stocks as well and then determining when to get back in?
Stocks are in taxable with 2+mil in cap gains. I okay with the volatility however with bonds in my IRA I did some thinking and made the decision last summer to go into cash with the position. No tax consequence. I saw no way were bonds NAV's going to climb up anything like they fell. I was only risking a 1.5%/yr. 'or so at the time' dividend for what looked like a possible end to cheap money with inflation in the headlines.
Got it. I stupidly forgot about the equities likely being in your taxable account(s). I'm in the same position.

Nice call with the move in bonds. I was contemplating the same move myself and, like you, also had to weigh the loss in dividend income by pulling out of bonds against the loss in price depreciation by staying in. Sine our bond allocation is quite significant in absolute dollars, the outcome was a wash by staying in bonds.
I made the move last spring in my 401k from a total bond fund to stable value fund yielding 1.8%. I avoided $100k in losses and instead earned $3500 of interest. Yeah for market timing!
Awesome! but best keep it on the down low so as not to be taken to the woodshed.
carminered2019
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Re: What are you up YTD? [Year To Date]

Post by carminered2019 »

4/30/2021 Negative 600K YTD......OUCH !!!!
schachtw
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Re: What are you up YTD? [Year To Date]

Post by schachtw »

AA is 60/40. Down 11% YTD

Taxable: 85/15
Tax Deferred 100% bonds
livesoft
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Re: 2022 YTD Performance - 02/28/2022

Post by livesoft »

YTD (30 April 2022) returns of a few 60/40 funds for your viewing pleasure:

-11.48% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International (no change since 28 Feb!)
-12.20% VBIAX Vanguard Balanced Index fund, has US only and no international
-09.21% DGSIX DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation

As has been the case for a while the performance of a 60/40 portfolio varies by quite a bit depending on how the 60/40 is constituted.

Also note:
-05.52% AVUV Avantis US Small Cap Value ETF
-19.01% MTUM iShares MSCI USA Momentum Factor ETF

-13.98% VTSAX Vanguard Total US Stock Market
-12.00% VTIAX Vanguard Total International Stock Market
-09.60% VBTLX Vanguard US Bond Index fund
-05.08% VSCSX Vanguard Short-Term Corporate Bond Index fund

+6.93% QREARX TIAA Real Estate
-9.91% VGSLX Vanguard Real Estate Index fund
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Fortitude
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Re: What are you up YTD? [Year To Date]

Post by Fortitude »

corn18 wrote: Sat Apr 30, 2022 4:39 pm I made the move last spring in my 401k from a total bond fund to stable value fund yielding 1.8%. I avoided $100k in losses and instead earned $3500 of interest. Yeah for market timing!
Something isn’t making sense after looking at your numbers.

If you avoided a $100K loss by liquidating your total bond position a year ago, that kind of potential loss would imply that the position was somewhere between $1.1M and $1.2M before it was liquidated. That’s assuming somewhere between a 9% and 10% hit across the total bond market if you stayed in.

Assuming all of the proceeds from the bond liquidation were invested over the year in the stable value fund that yielded 1.8%, that would mean interest from the stable value fund over the year would have been somewhere around $20K to $22K.

Did you not invest all of the bond proceeds in the stable value fund and keep most of it in cash before re-establishing the position in bonds? $3,500 in interest for the year in the stable value fund that yields 1.8% would imply that only around $194K was invested in the stable value fund from the bond liquidation.

What am I missing?
Cpadave
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Re: What are you up YTD? [Year To Date]

Post by Cpadave »

Down 6.9%

45% s&p index, 10.5% Vang Growth, 7.5% Berkshire, 4% Vanguard Utility, 3.5% low vol etf, 1% Swiss etf, 8% CD&Tres, Pref 3.% rest in HYS account as dry powder.
Osprey
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Re: What are you up YTD? [Year To Date]

Post by Osprey »

Down -8.3% ytd

53% stock 47% bond
pilotmath
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Re: What are you up YTD? [Year To Date]

Post by pilotmath »

Down 12.2%.

80/20

(48% US/32% Intl/15% US Agg Bond/5% TSP G)

Staying the course...
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corn18
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Re: What are you up YTD? [Year To Date]

Post by corn18 »

Fortitude wrote: Sun May 01, 2022 7:01 am
corn18 wrote: Sat Apr 30, 2022 4:39 pm I made the move last spring in my 401k from a total bond fund to stable value fund yielding 1.8%. I avoided $100k in losses and instead earned $3500 of interest. Yeah for market timing!
Something isn’t making sense after looking at your numbers.

If you avoided a $100K loss by liquidating your total bond position a year ago, that kind of potential loss would imply that the position was somewhere between $1.1M and $1.2M before it was liquidated. That’s assuming somewhere between a 9% and 10% hit across the total bond market if you stayed in.

Assuming all of the proceeds from the bond liquidation were invested over the year in the stable value fund that yielded 1.8%, that would mean interest from the stable value fund over the year would have been somewhere around $20K to $22K.

Did you not invest all of the bond proceeds in the stable value fund and keep most of it in cash before re-establishing the position in bonds? $3,500 in interest for the year in the stable value fund that yields 1.8% would imply that only around $194K was invested in the stable value fund from the bond liquidation.

What am I missing?
BND is down 14.83% from its all time high. I'll save you the math. $669k * .1483 = $99,213.

I think there should be a thread for "What are you up from the all time high?" People would be in a lot worse mood.

VTI -15.23%
BND -14.83%
VXUS -17.26%

That is way past correction and quickly approaching bear for all three assets.
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sil2017
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Re: What are you up YTD? [Year To Date]

Post by sil2017 »

how do you determine YTD for January 2022 till April 30th?

40 percent in ETFs and Stocks
60 percent in money market

Example-
100k total including money market, ETFs and stocks

For ETFS and Stocks I have balance of 30k
60k in money market

Am I down 10 percent YTD or am I down by 25 percent YTD?

Is the money market amount included to calculate YTD?
bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf »

Down ~16% YTD
Down ~9.5% for April

Yikes!

My benchmark VFIFX is down 13%.
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revhappy
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Re: What are you up YTD? [Year To Date]

Post by revhappy »

sil2017 wrote: Sun May 01, 2022 4:29 pm how do you determine YTD for January 2022 till April 30th?

40 percent in ETFs and Stocks
60 percent in money market

Example-
100k total including money market, ETFs and stocks

For ETFS and Stocks I have balance of 30k
60k in money market

Am I down 10 percent YTD or am I down by 25 percent YTD?

Is the money market amount included to calculate YTD?
It depends on what you are tracking against what. To me it makes sense to measure performance of my entire liquid networth against a comparable benchmark. So I would include the money market amount and then compare the entire liquid networth performance against a 60/40 blended index.
sil2017
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Re: What are you up YTD? [Year To Date]

Post by sil2017 »

Thanks for your reply
sil2017
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Re: What are you up YTD? [Year To Date]

Post by sil2017 »

revhappy wrote: Sun May 01, 2022 7:45 pm
sil2017 wrote: Sun May 01, 2022 4:29 pm how do you determine YTD for January 2022 till April 30th?

40 percent in ETFs and Stocks
60 percent in money market

Example-
100k total including money market, ETFs and stocks

For ETFS and Stocks I have balance of 30k
60k in money market

Am I down 10 percent YTD or am I down by 25 percent YTD?

Is the money market amount included to calculate YTD?
It depends on what you are tracking against what. To me it makes sense to measure performance of my entire liquid networth against a comparable benchmark. So I would include the money market amount and then compare the entire liquid networth performance against a 60/40 blended index.
Thank you
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retireIn2020
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Re: What are you up YTD? [Year To Date]

Post by retireIn2020 »

Down 5.5% overall.
50/50 AA No Bonds, just 401k Stable value all tax deferred. I too moved from Bond fund to Stable early 2021. I did this out of stability for retirement income and wasn't timing anything, just lucky I guess.

I have an IRA with about 15k in a tech ETF. That ETF is down 20% YTD, thinking about doing a Roth conversion
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AnnetteLouisan
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Re: What are you up YTD? [Year To Date]

Post by AnnetteLouisan »

I’m down $13,000 YTD in my 401k (not counting contributions), plus another thousand in Roth and taxable.
manatee2005
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Re: What are you up YTD? [Year To Date]

Post by manatee2005 »

bgf wrote: Sun May 01, 2022 4:32 pm Down ~16% YTD
Down ~9.5% for April

Yikes!

My benchmark VFIFX is down 13%.
YTD -24%, heavy on Nasdaq
Carol88888
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Re: What are you up YTD? [Year To Date]

Post by Carol88888 »

Samuel Glover wrote: Sat Apr 16, 2022 9:04 am As I approach retirement, I choose not to rely on speculation (i.e., having to sell an asset at a higher price in order to make money). As such, I don't focus on how much I'm "up or down." I focus on buying strong companies that share profits with owners, combined with investment grade bonds. My guideline is a weighted average SEC yield of all my funds, which is currently 2.81%. That's what I use for planning purposes. It's conservative, like me.

Not looking for a debate on dividends, etc. Just sharing my approach. Have done very well so far. Capital growth has been a nice bonus. And my comfort level has helped me stay the course.

I'm basically sitting around waiting for social security eligibility, as I already have enough to close the gap between SS and expenses, including a generous 50% add-on for play money.
+1
atdharris
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Re: What are you up YTD? [Year To Date]

Post by atdharris »

-22% / tech heavy portfolio.
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Portfolio7
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Re: What are you up YTD? [Year To Date]

Post by Portfolio7 »

Loss YTD is (8.8%).

72/28. Value tilt, the 28% FI is in Stable Value, and 6% of portfolio in Commodities.
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freckles01
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Re: What are you up YTD? [Year To Date]

Post by freckles01 »

AA is 70/30 roughly, currently about 75/25 due to recent windfall that is 90% invested but down overall about 18% YTD (If calculated correctly).

I'm not good at calculating losses/gains but I"m good at saving, staying the course and will have enough in retirement for my needs.
Randolph Mortimer
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Re: What are you up YTD? [Year To Date]

Post by Randolph Mortimer »

As of market close on 05/14/22:

YTD internal rate of return on the entire portfolio (retirement and taxable accounts) is (9.3%).

51% stocks (70% US/30% Intl), 49% fixed income (stable value/Ibonds/Bond Funds/TIPS/cash).
WhiteMaxima
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Re: What are you up YTD? [Year To Date]

Post by WhiteMaxima »

don't forget inflation -8.9% SPY500 purchase power lost -16-8.9%=-24.9%/ Ouch/
JS-Elcano
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Re: What are you up YTD? [Year To Date]

Post by JS-Elcano »

-6.95% YTD (that includes my biweekly contributions, so would be worse if I had the will to subtract them out).

60/40 portfolio
Fortunately, almost all of that 40% bond/fixed is in TIAA Trad. I switched it over from VG total bond in August 2020 not because I had a premonition of what was to happen to BND but because I finally (after years of procrastination) sat down and figured out what all the different TIAA Trad types are that I have across my different retirement accounts. Once I realized that I had a largest portion in the liquid form that earns a 3% base I put it there. Rest is in a fully liquid fixed income in my 457b earning 3.5% (though that's not guaranteed beyond one year).
Marseille07
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Re: What are you up YTD? [Year To Date]

Post by Marseille07 »

WhiteMaxima wrote: Tue May 17, 2022 12:17 pm don't forget inflation -8.9% SPY500 purchase power lost -16-8.9%=-24.9%/ Ouch/
Yes, this is one thing those cash bashers miss. Losing -7.5% via cash is actually a good thing when alternatives do -20% ~ -25%.
JS-Elcano
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Re: What are you up YTD? [Year To Date]

Post by JS-Elcano »

corn18 wrote: Sun May 01, 2022 8:03 am BND is down 14.83% from its all time high. I'll save you the math. $669k * .1483 = $99,213.

I think there should be a thread for "What are you up from the all time high?" People would be in a lot worse mood.

VTI -15.23%
BND -14.83%
VXUS -17.26%

That is way past correction and quickly approaching bear for all three assets.
I am not in a bad mood (yet). Several years ago when I started saving for retirement in earnest and a couple of promotions made it possible to put away the max in my retirement accounts and targeting FI(RE) at 59 I set up a spreadsheet that projected the growth in all of my investment and savings accounts until retirement assuming 6% growth. The last 3 years exceeded this by a lot so I am substantially ahead in terms of my projected portfolio size at 59 and, hence, this current contraction poses no threat to my plans. Of course, had I thought the growth of the past few years would keep going and had I therefore reduced my contributions to live it up or if I had made my original projections with 10% growth or some other unrealistic projection, I would probably be in a bad mood. I have also been paying down my mortgage and will be done with it in two years. The house having appreciated 45% since 1/21 helps with the mood too :D
livesoft
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Re: 2022 YTD Performance - 02/28/2022

Post by livesoft »

YTD (31 May 2022) returns of a few 60/40 funds for your viewing pleasure:

-11.18% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International (no change since 28 Feb!)
-12.07% VBIAX Vanguard Balanced Index fund, has US only and no international
-08.49% DGSIX DFA Global Allocation 60/40 I fund, a small-cap and value tilted 60/40 asset allocation

As has been the case for a while the performance of a 60/40 portfolio varies by quite a bit depending on how the 60/40 is constituted.

Also note:
-01.28% AVUV Avantis US Small Cap Value ETF
-19.49% MTUM iShares MSCI USA Momentum Factor ETF

-14.21% VTSAX Vanguard Total US Stock Market
-10.71% VTIAX Vanguard Total International Stock Market
-09.06% VBTLX Vanguard US Bond Index fund
-04.30% VSCSX Vanguard Short-Term Corporate Bond Index fund

+09.78% QREARX TIAA Real Estate
-14.07% VGSLX Vanguard Real Estate Index fund
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Using Vanguard Balanced Index Fund (VBIAX), a 60/40 allocation fund, in all accounts the total return of our portfolio year to date is minus 12.07%.
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Normchad
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

I’m down 8.5% using Beardstown math.
lostdog
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Re: What are you up YTD? [Year To Date]

Post by lostdog »

– 13.73%
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
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corn18
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Re: What are you up YTD? [Year To Date]

Post by corn18 »

Down 6.89% on 60/40.

I got lucky and rolled my 40% from Total Bond to stable value last April. If I had not done that, I would be down 12.44%. Now I just need to decide when/if to get back into total bond.
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catlady
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Re: What are you up YTD? [Year To Date]

Post by catlady »

-7.76% Beardstown
placeholder
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

Ran the monthly numbers on my 60/40 and it's up slightly over last month giving -7.49% ytd and -5.09% 12 month.
placeholder
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

corn18 wrote: Wed Jun 01, 2022 12:55 pm Down 6.89% on 60/40.

I got lucky and rolled my 40% from Total Bond to stable value last April. If I had not done that, I would be down 12.44%. Now I just need to decide when/if to get back into total bond.
Do you mean april 2021 or 2022?
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corn18
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Re: What are you up YTD? [Year To Date]

Post by corn18 »

placeholder wrote: Sun Jun 05, 2022 3:00 am
corn18 wrote: Wed Jun 01, 2022 12:55 pm Down 6.89% on 60/40.

I got lucky and rolled my 40% from Total Bond to stable value last April. If I had not done that, I would be down 12.44%. Now I just need to decide when/if to get back into total bond.
Do you mean april 2021 or 2022?
It was actually Apr of 2020. Sorry for the cornfusion.
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czeckers
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Re: What are you up YTD? [Year To Date]

Post by czeckers »

-4.09%
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."
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goingup
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Re: What are you up YTD? [Year To Date]

Post by goingup »

czeckers wrote: Sun Jun 05, 2022 5:50 am-4.09%
I 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.
Luckywon
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Re: What are you up YTD? [Year To Date]

Post by Luckywon »

As of 5/31 down 11.4%
51 US
8 Int
41 Bonds
The Casualty
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Re: What are you up YTD? [Year To Date]

Post by The Casualty »

60 / 40 portolio. We don't have any international funds. YTD - 8.33 %.

We have substantial positions in W & W (Wellington and Wellesley).

Wellington - 11.51 % YTD

Wellesley - 7.64 % YTD
SGM
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Re: What are you up YTD? [Year To Date]

Post by SGM »

We are down 7.2%. i don't rebalance and don't calculate income and expenses.
todaysBob
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Re: What are you up YTD? [Year To Date]

Post by todaysBob »

-17.3%, 50:30:20 VTI:VXUS:VWO, would have been down -13.1% but an ill-fated experiment with individual stocks cost me 4.2% extra :oops:
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Posts: 8421
Joined: Tue Aug 06, 2013 12:43 pm

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

Post by placeholder »

corn18 wrote: Sun Jun 05, 2022 3:10 am
It was actually Apr of 2020. Sorry for the cornfusion.
I have been 50/50 stable value and bond index from the beginning and thought about going to all stv but kept it as is.
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