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Old 10-24-2014, 06:14 PM   #81
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My review of my YTD total return of the S&P index fund is 8.31%. I hold that in my Roth. My IRA is 100% O. Its total return (I reinvest dividends) this year is 24.87%. I had no idea that it was doing THAT well. Reason enough to harvest my MRD in December after dividends are invested.

DH's IRA is Wellesley Income which is 5.68% YTD. His Roth is also all equity and is not doing much better, all in all.
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Old 10-24-2014, 06:30 PM   #82
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Quote:
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My review of my YTD total return of the S&P index fund is 8.31%.
Assuming you had a investment adviser that put you into the S&P, you can deduct a service fee of ~1.31% and have ~7% left. If you beat 7%, you beat the returns of most (85%+) advisers.

I beat the S&P in my IRA with IVW at 9.34%, my individual account is a bit less (4.95%) as I had a lot of cash in it earning .01%. I have since paid off a mortgage of $188K @ 5.5%.

In my Roth, I have a few dogs (BAC, ACH) which are getting weeded out. It stands at 5.54%.

Of course my RE portfolio has been stellar, bringing in 25%+ on my investments in rentals since 2008.
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Old 10-24-2014, 06:39 PM   #83
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Assuming you had a investment adviser that put you into the S&P, you can deduct a service fee of ~1.31% and have ~7% left. If you beat 7%, you beat the returns of most (85%+) advisers.

I beat the S&P in my IRA with IVW at 9.34%, my individual account is a bit less (4.95%) as I had a lot of cash in it earning .01%. I have since paid off a mortgage of $188K @ 5.5%.

In my Roth, I have a few dogs (BAC, ACH) which are getting weeded out. It stands at 5.54%.

Of course my RE portfolio has been stellar, bringing in 25%+ on my investments in rentals since 2008.
Can't beat the real estate returns these past few years.

I am at 7.65% YTD between IRAs, 401k and taxable brokerage. Real estate is doing just fine for me as well.
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Old 10-25-2014, 06:04 AM   #84
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YTD 2014 is plus 36% on a time weighted basis including dividends, margin interest and brokerage fees.

October has been extremely volatile and I am down this month due to overweight in energy stocks, which have been severely hit. Trying to trade around it as best I can.

Biggest single position has been Apple, which of course has done very well.

Still keeping the same strategy, modestly leveraged and writing the calls / selling puts on all names except Apple.




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Old 10-25-2014, 09:29 AM   #85
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Can't beat the real estate returns these past few years.

I am at 7.65% YTD between IRAs, 401k and taxable brokerage. Real estate is doing just fine for me as well.
I hold Vanguard's REIT fund in my Roth. That's 138 REITs in one.
The out-performance of REITs during the recent stock market correction has been noticeable. Glad I have this asset.

Year-to-Date
as of 10/23/2014 : 22.41%
as of 09/30/2014 : 14.01%
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Old 12-22-2014, 05:53 PM   #86
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Looks like barring a meteor strike, I am going to close the year with gains. Despite the stock market gain, all my mutual funds underperformed S&P 500 (except for my S&P 500 index fund ). It was no surprise for bond funds but my aggressive stock funds (chemical, emerging market) had low to mid single digit gains. That may bode well for next year if I want to stick with the current set.

If I RE'd last year, the gain would have almost covered my yearly expense.
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Old 12-22-2014, 07:54 PM   #87
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Only 4-5 percent gain despite 100% equities. Internationals dragging me down. Hopefully they catch up next year.


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Old 12-22-2014, 08:33 PM   #88
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Up around 8% nominal.

45/35/10/10 stocks, bonds, reit, cash


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Old 12-22-2014, 09:57 PM   #89
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The large caps (read S&P 500) are doing very well this year, and trounce the small caps. We will see what happens next year.
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Old 12-22-2014, 10:11 PM   #90
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+9.8% YTD in an all stock (65% domestic+35% International) Lrge Cap portfolio. Expect International stocks (Europe) to perform better in 2015.
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Old 12-22-2014, 10:18 PM   #91
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Vanguard Account: + 10.4% YTD

Schwab Account: + 4.68% YTD

(Schwab is down due to oil holdings)

The above does not count funds in 3% PenFed CDs or cash in Ally accounts
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Old 12-22-2014, 11:23 PM   #92
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Overall ~6.1% annualized return YTD per Quicken. Equity returns ~7.9% (great domestic equities offset by poor international equities) and fixed income ~ 2.8%
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Old 12-23-2014, 12:08 AM   #93
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Those beating the market through any sort of timing or other tricks this year will be those that trail it next.
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Old 12-23-2014, 05:38 AM   #94
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Overall return was 18%. Biggest winners: LLY - 41%, FDX - 24%, DUK - 21%, MMM - 22%, and JNJ - 16%. I'm crazy about dividends. I dumped the Vanguard International Index Fund in July. The rest was in Vanguard and FIDO funds.
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Old 12-23-2014, 09:55 AM   #95
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Those beating the market through any sort of timing or other tricks this year will be those that trail it next.
Well, what if they sell the high flyers and buy the beaten down sectors now? Once you do a thing right, it is easier to do the next right thing.

That said, I will admit that I am not among those lucky ones this year. International and energy stocks let me down; I am holding them waiting for a better time. I am refraining from being greedy and piling on more. That hurt me in 2000-2002 when I kept buying semiconductor stocks on dips.
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Old 12-23-2014, 09:56 AM   #96
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Looks like barring a meteor strike, I am going to close the year with gains.
Please don't jinx it for the rest of us...
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Old 12-23-2014, 09:57 AM   #97
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I always set my 'minimum amount to be happy' at 8%. I've been ecstatic over the past few years. But with a few days left, I don't think I'll make it this year.

Running about 7.0% as of yesterday after what was looking like a stellar year back in July.
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Old 12-23-2014, 10:20 AM   #98
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Vanguard (87% of portfolio at ~60/40) - 11.1% - per Vanguard site for YTD)

Older I-Bonds (8% of portfolio) - (~4% - need to verify)

Cash/"High yield" Savings, Gold/Silver bars (5% of portfolio) (~0% - need to verify)

(Note: Vanguard funds had minimal International and Emerging Market Exposure)
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Old 12-23-2014, 10:29 AM   #99
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YTD 10.14%. AA is 62% equities, 38% fixed.
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Old 12-23-2014, 10:54 AM   #100
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YTD @ 6.98% in VG 3 Fund Portfolio. My ER plan is based on ESPlanner at ~3% real return and given CPI inflation at 1.7%, we're ahead of the game for 2014. I'm happy with that.
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