What are you up YTD? [Year To Date]
Re: What are you up YTD? [Year To Date]
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.
- sleepysurf
- Posts: 887
- Joined: Sat Nov 23, 2013 5:59 am
- Location: Florida
Re: What are you up YTD? [Year To Date]
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.
Retired 2018 | currently ~64/33/3 (partially sliced and diced, with a slowly rising equity glide path)
Re: What are you up YTD? [Year To Date]
Down about 10%. I am treading water this year. Putting money in and keeping my net worth about where it is.
Re: What are you up YTD? [Year To Date]
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
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."
Re: What are you up YTD? [Year To Date]
Got it. I stupidly forgot about the equities likely being in your taxable account(s). I'm in the same position.lostcoast wrote: ↑Sat Apr 30, 2022 12:11 pmStocks 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.
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.
Re: What are you up YTD? [Year To Date]
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.
Re: What are you up YTD? [Year To Date]
Down roughly 19% for the year. 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.
Re: What are you up YTD? [Year To Date]
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!Fortitude wrote: ↑Sat Apr 30, 2022 1:41 pmGot it. I stupidly forgot about the equities likely being in your taxable account(s). I'm in the same position.lostcoast wrote: ↑Sat Apr 30, 2022 12:11 pmStocks 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.
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.
Consistently sets low goals and fails to achieve them.
Re: What are you up YTD? [Year To Date]
Awesome! but best keep it on the down low so as not to be taken to the woodshed.corn18 wrote: ↑Sat Apr 30, 2022 4:39 pmI 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!Fortitude wrote: ↑Sat Apr 30, 2022 1:41 pmGot it. I stupidly forgot about the equities likely being in your taxable account(s). I'm in the same position.lostcoast wrote: ↑Sat Apr 30, 2022 12:11 pmStocks 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.
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.
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- Posts: 1939
- Joined: Fri Jun 21, 2019 7:06 pm
Re: What are you up YTD? [Year To Date]
4/30/2021 Negative 600K YTD......OUCH !!!!
Re: What are you up YTD? [Year To Date]
AA is 60/40. Down 11% YTD
Taxable: 85/15
Tax Deferred 100% bonds
Taxable: 85/15
Tax Deferred 100% bonds
Re: 2022 YTD Performance - 02/28/2022
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
-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
Re: What are you up YTD? [Year To Date]
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?
Re: What are you up YTD? [Year To Date]
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.
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.
Re: What are you up YTD? [Year To Date]
Down -8.3% ytd
53% stock 47% bond
53% stock 47% bond
Re: What are you up YTD? [Year To Date]
Down 12.2%.
80/20
(48% US/32% Intl/15% US Agg Bond/5% TSP G)
Staying the course...
80/20
(48% US/32% Intl/15% US Agg Bond/5% TSP G)
Staying the course...
Re: What are you up YTD? [Year To Date]
BND is down 14.83% from its all time high. I'll save you the math. $669k * .1483 = $99,213.Fortitude wrote: ↑Sun May 01, 2022 7:01 amSomething 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?
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.
Consistently sets low goals and fails to achieve them.
Re: What are you up YTD? [Year To Date]
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?
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?
Re: What are you up YTD? [Year To Date]
Down ~16% YTD
Down ~9.5% for April
Yikes!
My benchmark VFIFX is down 13%.
Down ~9.5% for April
Yikes!
My benchmark VFIFX is down 13%.
“TE OCCIDERE POSSUNT SED TE EDERE NON POSSUNT NEFAS EST"
Re: What are you up YTD? [Year To Date]
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 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?
Re: What are you up YTD? [Year To Date]
Thanks for your reply
Re: What are you up YTD? [Year To Date]
Thank yourevhappy wrote: ↑Sun May 01, 2022 7:45 pmIt 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 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?
- retireIn2020
- Posts: 745
- Joined: Sat Jan 04, 2020 5:13 pm
Re: What are you up YTD? [Year To Date]
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
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
https://www.merriam-webster.com/dictionary/abide
- AnnetteLouisan
- Posts: 7261
- Joined: Sat Sep 18, 2021 10:16 pm
- Location: New York, NY
Re: What are you up YTD? [Year To Date]
I’m down $13,000 YTD in my 401k (not counting contributions), plus another thousand in Roth and taxable.
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- Joined: Wed Dec 18, 2019 8:17 pm
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- Joined: Wed Jan 24, 2018 1:24 am
Re: What are you up YTD? [Year To Date]
+1Samuel 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.
Re: What are you up YTD? [Year To Date]
-22% / tech heavy portfolio.
- Portfolio7
- Posts: 1128
- Joined: Tue Aug 02, 2016 3:53 am
Re: What are you up YTD? [Year To Date]
Loss YTD is (8.8%).
72/28. Value tilt, the 28% FI is in Stable Value, and 6% of portfolio in Commodities.
72/28. Value tilt, the 28% FI is in Stable Value, and 6% of portfolio in Commodities.
"An investment in knowledge pays the best interest" - Benjamin Franklin
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- Joined: Sun Aug 10, 2008 4:43 pm
Re: What are you up YTD? [Year To Date]
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.
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.
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- Posts: 120
- Joined: Thu Mar 12, 2020 7:13 pm
Re: What are you up YTD? [Year To Date]
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).
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).
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- Joined: Thu May 19, 2016 5:04 pm
Re: What are you up YTD? [Year To Date]
don't forget inflation -8.9% SPY500 purchase power lost -16-8.9%=-24.9%/ Ouch/
Re: What are you up YTD? [Year To Date]
-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).
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).
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- Joined: Fri Nov 06, 2020 12:41 pm
Re: What are you up YTD? [Year To Date]
Yes, this is one thing those cash bashers miss. Losing -7.5% via cash is actually a good thing when alternatives do -20% ~ -25%.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/
Re: What are you up YTD? [Year To Date]
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 toocorn18 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.
Re: 2022 YTD Performance - 02/28/2022
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
-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
- ruralavalon
- Posts: 26352
- Joined: Sat Feb 02, 2008 9:29 am
- Location: Illinois
Re: What are you up YTD? [Year To Date]
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%.
"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]
I’m down 8.5% using Beardstown math.
Re: What are you up YTD? [Year To Date]
– 13.73%
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
Re: What are you up YTD? [Year To Date]
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.
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.
Consistently sets low goals and fails to achieve them.
Re: What are you up YTD? [Year To Date]
-7.76% Beardstown
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- Joined: Tue Aug 06, 2013 12:43 pm
Re: What are you up YTD? [Year To Date]
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.
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- Posts: 8421
- Joined: Tue Aug 06, 2013 12:43 pm
Re: What are you up YTD? [Year To Date]
It was actually Apr of 2020. Sorry for the cornfusion.
Consistently sets low goals and fails to achieve them.
Re: What are you up YTD? [Year To Date]
-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."
Re: What are you up YTD? [Year To Date]
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.
Re: What are you up YTD? [Year To Date]
As of 5/31 down 11.4%
51 US
8 Int
41 Bonds
51 US
8 Int
41 Bonds
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- Posts: 142
- Joined: Sun Oct 24, 2010 9:09 pm
Re: What are you up YTD? [Year To Date]
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
We have substantial positions in W & W (Wellington and Wellesley).
Wellington - 11.51 % YTD
Wellesley - 7.64 % YTD
Re: What are you up YTD? [Year To Date]
We are down 7.2%. i don't rebalance and don't calculate income and expenses.
Re: What are you up YTD? [Year To Date]
-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
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- Posts: 8421
- Joined: Tue Aug 06, 2013 12:43 pm