What are you up YTD? [Year To Date]

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

Post by placeholder »

Ran the monthly numbers on the 60/40 portfolio and it's ytd: -10.08% one year: -7.42%
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AerialWombat
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Re: What are you up YTD? [Year To Date]

Post by AerialWombat »

deleted
Last edited by AerialWombat on Thu Aug 25, 2022 7:11 pm, edited 1 time in total.
This post is a work of fiction. Any similarity to real financial advice is purely coincidental.
mikejuss
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Re: What are you up YTD? [Year To Date]

Post by mikejuss »

Marseille07 wrote: Tue Jul 05, 2022 10:41 pm
mikejuss wrote: Tue Jul 05, 2022 8:11 pm
jamesja wrote: Sat Jul 02, 2022 9:46 am Up 24.87%. On January 10 went 100% into BIVIX (Invenomic Fund).
Wow--the ER on that fund is 3.16%. Good luck, sir.
Would you rather be -20% on 0.03% ER or +25% on 3.16% ER? Also, the +25% is after ER is accounted for.
I'd rather not be trying to tilt my way to a comfortable retirement.
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
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canadianbacon
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Re: What are you up YTD? [Year To Date]

Post by canadianbacon »

mikejuss wrote: Wed Jul 06, 2022 6:16 am
Marseille07 wrote: Tue Jul 05, 2022 10:41 pm
mikejuss wrote: Tue Jul 05, 2022 8:11 pm
jamesja wrote: Sat Jul 02, 2022 9:46 am Up 24.87%. On January 10 went 100% into BIVIX (Invenomic Fund).
Wow--the ER on that fund is 3.16%. Good luck, sir.
Would you rather be -20% on 0.03% ER or +25% on 3.16% ER? Also, the +25% is after ER is accounted for.
I'd rather not be trying to tilt my way to a comfortable retirement.
I'm going to go put 100K on red at the roulette wheel. If it returns me 100% with no fee, you must acknowledge my investing genius. Why yes, I know this is Bogleheads, why do you ask?
Bulls make money, bears make money, pigs get slaughtered.
clip651
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Re: What are you up YTD? [Year To Date]

Post by clip651 »

Marseille07 wrote: Tue Jul 05, 2022 10:41 pm
mikejuss wrote: Tue Jul 05, 2022 8:11 pm
jamesja wrote: Sat Jul 02, 2022 9:46 am Up 24.87%. On January 10 went 100% into BIVIX (Invenomic Fund).
Wow--the ER on that fund is 3.16%. Good luck, sir.
Would you rather be -20% on 0.03% ER or +25% on 3.16% ER? Also, the +25% is after ER is accounted for.
Silly question, everyone would rather be up a lot than down, particularly if they can beat the market on top of that. Trick is knowing in advance which fund will do that for you and when. Picking a high ER fund to try to do that works out sometimes, but of course many more times it doesn't. And then you have to decide when to get out and which horse to switch to next.
Marseille07
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Re: What are you up YTD? [Year To Date]

Post by Marseille07 »

clip651 wrote: Wed Jul 06, 2022 9:14 am
Marseille07 wrote: Tue Jul 05, 2022 10:41 pm
mikejuss wrote: Tue Jul 05, 2022 8:11 pm
jamesja wrote: Sat Jul 02, 2022 9:46 am Up 24.87%. On January 10 went 100% into BIVIX (Invenomic Fund).
Wow--the ER on that fund is 3.16%. Good luck, sir.
Would you rather be -20% on 0.03% ER or +25% on 3.16% ER? Also, the +25% is after ER is accounted for.
Silly question, everyone would rather be up a lot than down, particularly if they can beat the market on top of that. Trick is knowing in advance which fund will do that for you and when. Picking a high ER fund to try to do that works out sometimes, but of course many more times it doesn't. And then you have to decide when to get out and which horse to switch to next.
It's not silly because the poster above was basically saying the 3.16% ER is a huge deal, needlessly attacking another poster's fund selection.

I was countering their argument that maybe ER isn't as big of a deal as they make it to be.

That said, do I select a 3% ER fund? No, I don't.
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Re: What are you up YTD? [Year To Date]

Post by HootingSloth »

Marseille07 wrote: Tue Jul 05, 2022 10:41 pm
mikejuss wrote: Tue Jul 05, 2022 8:11 pm
jamesja wrote: Sat Jul 02, 2022 9:46 am Up 24.87%. On January 10 went 100% into BIVIX (Invenomic Fund).
Wow--the ER on that fund is 3.16%. Good luck, sir.
Would you rather be -20% on 0.03% ER or +25% on 3.16% ER? Also, the +25% is after ER is accounted for.
For anyone wondering what BIVIX is, here is the description of its principal strategy from the fund prospectus:
The Fund invests primarily in both long and short positions in equity securities principally traded in United States markets. Under normal market conditions, the Sub-Adviser seeks to be fully invested in the long portfolio (greater than 80%), while allowing the size of the short portfolio to fluctuate based on the market opportunity.

The long positions are identified by the Fund’s adviser, Invenomic Capital Management, LP (the “Adviser”) as securities that are both undervalued and timely, where the Adviser believes that the return potential compensates for the risk involved. The short positions are identified as securities that the Adviser believes are overvalued and that the price of the security will fall, delivering both a positive return for the Fund while simultaneously reducing the overall risk of the portfolio. The Adviser evaluates long and short positions on multiple characteristics to determine inclusion in the overall portfolio. . . .

Further, under normal circumstances, it is expected that the Fund’s long positions will not exceed approximately 125% of the Fund’s net assets. . . . The Fund may invest up to 20% of its net assets in high yield debt obligations, such as bonds and debentures, used by corporations and other business organizations. . . . The Fund may invest up to 15% of its net assets in illiquid securities, including securities that are illiquid by virtue of the absence of a readily available market or legal or contractual restrictions on resale. The Fund may achieve certain investment exposures, including short positions, through derivative transactions, including options on securities and options on indices. . . . The Fund may participate as a purchaser in initial public offerings of securities (“IPO”).
So the strategy is to rely on the manager's judgment to get returns through security selection, which is implemented through leveraged buying and short selling; trading options, derivatives, junk bonds, and illiquid securities; buying IPOs; etc.
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
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Re: What are you up YTD? [Year To Date]

Post by GoldenFinch »

Down approximately 20% with at 85/15 mix. Was down 53% in 2009, but had no cash or bonds back then.
mmoneytalks
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Re: What are you up YTD? [Year To Date]

Post by mmoneytalks »

-12% YTD. AA 50/50. No concerns about these paper losses since I won’t actually need to withdraw any funds for another 11 years when it’s time to take my first RMD.
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Re: What are you up YTD? [Year To Date]

Post by sschullo »

No surprises. My AA is fit for a 75-year-old in the distribution and preservation stage.

Portfolio return: -10%
Image

Investment returns:
Image
Never in the history of market day-traders’ has the obsession with so much massive, sophisticated, & powerful statistical machinery used by the brightest people on earth with such useless results.
GoldenFinch
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Re: What are you up YTD? [Year To Date]

Post by GoldenFinch »

sschullo wrote: Sun Jul 10, 2022 10:18 am No surprises. My AA is fit for a 75-year-old in the distribution and preservation stage.

Portfolio return: -10%
Image

Investment returns:
Image
Looks pretty nice!
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Spinola
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Re: What are you up YTD? [Year To Date]

Post by Spinola »

YTD -12.5%
1 year 8.4%
"If more of us valued food and cheer and song above hoarded gold, it would be a merrier world." | Thorin Oakenshield
chris319
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Re: What are you up YTD? [Year To Date]

Post by chris319 »

Down 52.2% YTD.

Big position in TQQQ (3X NASDAQ 100 ETF)

Pension and soc sec cover living expenses. Buying >= $1,000 of TQQQ per month.

100% U.S. equities with a few-odd individual stocks

Was 1.2X margined until November, 2021. No margin now.

No plans to sell; staying the course and waiting out this drawdown.

I have a small position in NVDA with a loss; not sure whether to TLH or keep it. Might the funds be better deployed elsewhere?
Financial decisions based on emotion often turn out to be bad decisions.
Orygun native
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Re: What are you up YTD? [Year To Date]

Post by Orygun native »

Down roughly 20% ytd. Brutal year but not exactly unexpected. Oh well, guess I’ll just have to rebalance and stay the course👍🏻
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marti038
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Re: What are you up YTD? [Year To Date]

Post by marti038 »

marti038 wrote: Wed Jun 22, 2022 3:22 pm Down 35.14% in 2022. 100% stocks, a lot of which are techs.

Made a killing in 2019 and 2020. Seeing the other side of that now, but I haven't sold anything and don't plan to.
Down 28.76% in 2022. Still buying, buying, buying.
“Having, first, gained all you can, and, secondly saved all you can, then give all you can.” - John Wesley
JS-Elcano
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Re: What are you up YTD? [Year To Date]

Post by JS-Elcano »

Using Beardstown math (i.e., including my retirement account contributions)

My investments:
-8.05% YTD

My investments + change in home equity (net worth):
+1.33% YTD

Investments: 60/40 with all of the 40% fixed in stable value fund (3.5%), in TIAA Trad (3.6%), a tiny I-Bond position (started this year).
revhappy
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Re: What are you up YTD? [Year To Date]

Post by revhappy »

Down 6.36% YTD 62% stocks 38% bonds.
Luckywon
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Re: What are you up YTD? [Year To Date]

Post by Luckywon »

Down 11.5%
60:40
catlady
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Re: What are you up YTD? [Year To Date]

Post by catlady »

-6.10%, Beardstown
angmeco7
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Re: What are you up YTD? [Year To Date]

Post by angmeco7 »

-11.93% YTD. 90:10
Conch55
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Re: What are you up YTD? [Year To Date]

Post by Conch55 »

-13%, 60-40 (5.5% international)
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ruralavalon
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Re: What are you up YTD? [Year To Date]

Post by ruralavalon »

Age 76, retired, no pension or annuity, my asset allocation is 60/40.

Total return of my portfolio is negative 11.66% year to date.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link: Bogleheads® investment philosophy
Vtsax100
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Re: What are you up YTD? [Year To Date]

Post by Vtsax100 »

-13 Percent.
AlohaBill
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Re: What are you up YTD? [Year To Date]

Post by AlohaBill »

The last three days, I think I’m up $45,000. 8-)
livesoft
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Re: 2022 YTD Performance - 02/28/2022

Post by livesoft »

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

-11.79% VSMGX Vanguard LifeStrategy Moderate Growth fund, has US + International
-11.66% VBIAX Vanguard Balanced Index fund, has US only and no international
-09.46% 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:
-04.35% AVUV Avantis US Small Cap Value ETF
-20.74% MTUM iShares MSCI USA Momentum Factor ETF

-14.00% VTSAX Vanguard Total US Stock Market
-15.16% VTIAX Vanguard Total International Stock Market
-08.34% VBTLX Vanguard US Bond Index fund
-04.81% VSCSX Vanguard Short-Term Corporate Bond Index fund
-08.60% VAIPX Vanguard Inflation-Protected Securities fund

+11.41% QREARX TIAA Real Estate
-13.62% VGSLX Vanguard Real Estate Index fund

It seems VBTLX (Total US Bond Market Index) was UP more than about 2.7% in July (so says morningstar.com). So much for interest rate hikes causing bond funds to drop in value. :twisted:
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AlohaBill
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Re: What are you up YTD? [Year To Date]

Post by AlohaBill »

Furthermore, we are up $249,000 since retirement 5 years ago. 8-)
Normchad
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

Conch55 wrote: Sat Jul 30, 2022 12:41 pm -13%, 60-40 (5.5% international)
Your portfolio looks very similar to mine. So I’m probably down about 13%. This is a nice improvement over the last couple of months.
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

AlohaBill wrote: Sun Jul 31, 2022 9:19 am Furthermore, we are up $249,000 since retirement 5 years ago. 8-)
That is so cool! Enjoy!
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Re: What are you up YTD? [Year To Date]

Post by AlohaBill »

However, we are down about $180,000 from the all time high. :D
Normchad
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

AlohaBill wrote: Sun Jul 31, 2022 9:24 am However, we are down about $180,000 from the all time high. :D
All I heard you say (paraphrasing) was “I haven’t worked for money in 5 years. I’ve paid all my bills, and somehow I have an extra quarter-million dollars to show for it”

You are living the dream AlohaBill!
gamboolman
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Re: What are you up YTD? [Year To Date]

Post by gamboolman »

As of 1-Aug-22 we are down <-8.05%> from 1-Jan-22.

We moved some monies to CD's and Treasuries.

Current Asset Allocation is 46.7% Equities, 31.8% Bonds, 21.5% Cash
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Re: What are you up YTD? [Year To Date]

Post by RetiredAL »

AlohaBill wrote: Sun Jul 31, 2022 9:19 am Furthermore, we are up $249,000 since retirement 5 years ago. 8-)
+1 to AlohaBill for looking at it in the correct light.

We are down about $250K from the all time high.

I retired 6 years ago and we are up $350K since retirement, inclusive of having withdrawn $150K for spending. This is the number that matters the most to me.
Conch55
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Re: What are you up YTD? [Year To Date]

Post by Conch55 »

+1 to AlohaBill for looking at it in the correct light.

We are down about $250K from the all time high.

I retired 6 years ago and we are up $350K since retirement, inclusive of having withdrawn $150K for spending. This is the number that matters the most to me.
We have only just started to withdraw from our portfolio after 7 years of retirement during which we made considerable gains. What this really illustrates to me is how fortunate a good sequence of return risk is when starting one's retirement.
HootingSloth
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Re: What are you up YTD? [Year To Date]

Post by HootingSloth »

Looks like we are up about 1% YTD, Beardstown math.
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
bgf
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Re: What are you up YTD? [Year To Date]

Post by bgf »

-17.1%

Benchmark 2050 TD -14.1%
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
Zeno
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Re: What are you up YTD? [Year To Date]

Post by Zeno »

We are down 9% YTD
Leesbro63
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Re: What are you up YTD? [Year To Date]

Post by Leesbro63 »

OK, it's Friday August 12th. My 50/50ish portfolio is now down "just" 6.13%. Still down, but it's starting to feel more like "normal noise" than a painful decline. Don't get me wrong, I'm very aware that this could just be a bear market rally and I could be down 14% or more (my recent YTD bottom) again soon. But, just sayin', it's nice to celebrate the wins and being down "only" 6ish percent feels a lot more like "just noise". :sharebeer
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Lawrence of Suburbia
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Re: What are you up YTD? [Year To Date]

Post by Lawrence of Suburbia »

Am I a chump for being down -10% or so?
74% VTHRX/8% DODWX/12% TIAA Traditional/6% SWVXX
placeholder
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

Lawrence of Suburbia wrote: Fri Aug 12, 2022 5:33 pm Am I a chump for being down -10% or so?
That depends a lot on your allocation but it's not too atypical.
placeholder
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Re: What are you up YTD? [Year To Date]

Post by placeholder »

I ran my 60/40 on 8/7 and the results were ytd: -8.45% one year: -6.63%
Normchad
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Re: What are you up YTD? [Year To Date]

Post by Normchad »

Lawrence of Suburbia wrote: Fri Aug 12, 2022 5:33 pm Am I a chump for being down -10% or so?
I’m down about 12%. I don’t feel like a chump. This is just normal expected behavior. I’d prefer that it wasn’t this way, but last year was +26% or whatever, so I think things are doing just fine.
Leesbro63
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Re: What are you up YTD? [Year To Date]

Post by Leesbro63 »

Normchad wrote: Fri Aug 12, 2022 6:03 pm
Lawrence of Suburbia wrote: Fri Aug 12, 2022 5:33 pm Am I a chump for being down -10% or so?
I’m down about 12%. I don’t feel like a chump. This is just normal expected behavior. I’d prefer that it wasn’t this way, but last year was +26% or whatever, so I think things are doing just fine.
And last year I was up 13%...so yeah, your more aggressive allocation did better on the upside and lost more on the downside. Our numbers coordinate for the level of equity risk taken, give or take.
slicendice
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Re: What are you up YTD? [Year To Date]

Post by slicendice »

Down about 11% so far despite having a bond portfolio with an average duration of ~20 years. SCV to the rescue! (knock on wood). As I start to pat myself on the back and feel good, I'm reminded these are nominal returns, real returns remain quite ugly for the year
Zeno
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Re: What are you up YTD? [Year To Date]

Post by Zeno »

Down 8.1% (4.5X) YTD on 65/32/3.
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Lawrence of Suburbia
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Re: What are you up YTD? [Year To Date]

Post by Lawrence of Suburbia »

placeholder wrote: Fri Aug 12, 2022 5:58 pm
Lawrence of Suburbia wrote: Fri Aug 12, 2022 5:33 pm Am I a chump for being down -10% or so?
That depends a lot on your allocation but it's not too atypical.
Thanks
74% VTHRX/8% DODWX/12% TIAA Traditional/6% SWVXX
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Lawrence of Suburbia
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Re: What are you up YTD? [Year To Date]

Post by Lawrence of Suburbia »

Normchad wrote: Fri Aug 12, 2022 6:03 pm
Lawrence of Suburbia wrote: Fri Aug 12, 2022 5:33 pm Am I a chump for being down -10% or so?
I’m down about 12%. I don’t feel like a chump. This is just normal expected behavior. I’d prefer that it wasn’t this way, but last year was +26% or whatever, so I think things are doing just fine.
Thanks.

It's funny, in up times I tend to not look at my results; but big corrections really grab my attention!
74% VTHRX/8% DODWX/12% TIAA Traditional/6% SWVXX
carminered2019
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Re: What are you up YTD? [Year To Date]

Post by carminered2019 »

70/30 then over rebalanced to 87/13 during the correction and now sitting at -5.3% YTD.
cheesepep
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Re: What are you up YTD? [Year To Date]

Post by cheesepep »

Finally up 1% YTD!

Own about 6 individual stocks only. Biggest holdings are ROST and SBUX.
deviant355
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Re: What are you up YTD? [Year To Date]

Post by deviant355 »

Down 9% YTD. I'm happy with that, when I looked about a month ago I was down 16%. 100% stocks.
1moreyr
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Re: What are you up YTD? [Year To Date]

Post by 1moreyr »

I've been retired all of 6 months. My two biggest fears in retirement (during my last 5 years of accumulation) were SORR and inflation- living both of them. :oops:

Current portfolio is 62%/38% . Down 6% YTD,
if I exclude what I have spent in retirement this year. I am down 4% (is this reverse beardstown math? :shock:

To be clear to those other 60/40 ers with worse returns, I had consolidated DW 401k/IRA to Schwab in February (which came over as cash) and have DCA'd into the market monthly on the way down. It took some of the sting out. I have 3% left to move in.

if you can't be good at investing, at least be lucky :happy
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