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07-24-2014, 06:06 PM
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#21
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,809
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Quote:
Originally Posted by NW-Bound
Been waiting for a 20% correction, but where is it? What happened to all the Wh***'s that have been issued? Somebody has lost her magic spell? Or am I speaking too soon?
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I guarantee a 20% correction. This is called the Lsbcal uncertainty principle. I can specify the extent of the decline or month of decline but not both with precision.
I am very sure about this.
Equation: decline * date = Lsbcal_constant
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07-24-2014, 06:24 PM
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#22
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Moderator Emeritus
Join Date: Aug 2007
Location: Northern Illinois
Posts: 16,602
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My 401k is up 13.5%. Now at 60/40 was about 75/25 until 6/1.
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07-24-2014, 06:28 PM
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#23
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,809
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Quote:
Originally Posted by Ronstar
My 401k is up 13.5%. Now at 60/40 was about 75/25 until 6/1.
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But you must consider your entire liquid assets, not just a partial selection.
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07-24-2014, 07:14 PM
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#24
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Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 2,526
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Per Quicken my annualized IRR is 10% so I don't feel too bad given my nominal 50/50. Quicken says the same number for Vanguards IDX500 is 16%. If I'm capturing 62% of the return of an all stock allocation with a 50/50 I'm a happy camper. Just hope that when the tables are turned and the market dives my 50/50 doesn't deliver 38%...
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07-24-2014, 07:27 PM
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#25
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Moderator
Join Date: Oct 2010
Posts: 10,725
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YTD (June 30) IRR is 13.3%. I've got foreign stuff (that I took a bath on earlier) that's come back some.
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07-24-2014, 09:56 PM
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#26
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Thinks s/he gets paid by the post
Join Date: Aug 2004
Location: St. Louis
Posts: 2,179
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I also have a healthy exposure to emerging markets/international. Overall, about 11.3%, including about 5% of portfolio in I-bonds
__________________
Dryer sheets Schmyer sheets
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07-25-2014, 02:36 AM
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#27
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Recycles dryer sheets
Join Date: Jul 2011
Location: Oregon - Dry Side
Posts: 247
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2014 YTD time weighted return including dividends, commissions, and margin interest is 39.5% as of close of market Thursday 24 July.
Big winners are overweight single stock positions in AAPL, APC, PXD, V and CXO.
Let the bull run........
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07-25-2014, 05:09 AM
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#28
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Moderator Emeritus
Join Date: Aug 2007
Location: Northern Illinois
Posts: 16,602
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Quote:
Originally Posted by Lsbcal
But you must consider your entire liquid assets, not just a partial selection.
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I was thinking of posting the entire portfolio, but the way I track the total and change in entire liquid assets includes withdrawals from checking (generally $5k per month). With that, my entire portfolio including checking is 9.1%
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07-25-2014, 09:26 AM
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#29
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Thinks s/he gets paid by the post
Join Date: Nov 2013
Location: Bay Area
Posts: 2,745
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Quote:
Originally Posted by wingfooted
2014 YTD time weighted return including dividends, commissions, and margin interest is 39.5% as of close of market Thursday 24 July.
Big winners are overweight single stock positions in AAPL, APC, PXD, V and CXO.
Let the bull run........
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Outstanding! I no longer have stomach for buying individual stocks and stick pretty much to ETFs, mutual funds.
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07-25-2014, 09:52 AM
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#30
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Thinks s/he gets paid by the post
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,545
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+6.3% ytd. AA of 63% equities 37% bonds and cash. Haven't bought or sold a thing since rebalance on Jan 2.
__________________
FIRE'D in July 2009 at 51...Never look back!
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07-25-2014, 02:10 PM
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#31
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,809
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Quote:
Originally Posted by Ronstar
I was thinking of posting the entire portfolio, but the way I track the total and change in entire liquid assets includes withdrawals from checking (generally $5k per month). With that, my entire portfolio including checking is 9.1%
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Very good and better then my return so far.
At the mid-year on July 1, ours was:
our portfolio +5.4%
benchmark #1, +5.4% (index only based portfolio)
benchmark #2, +5.7% (Wellington based portfolio)
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07-25-2014, 05:00 PM
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#32
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 7,113
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We are doing very well but I am not interested in beating the market as we are well into the MRD stage of life. I want a nice, steady, returns - Wellington and O are what I love.
__________________
Duck bjorn.
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07-25-2014, 06:32 PM
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#33
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Moderator Emeritus
Join Date: Aug 2007
Location: Northern Illinois
Posts: 16,602
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Quote:
Originally Posted by Lsbcal
Very good and better then my return so far.
At the mid-year on July 1, ours was:
our portfolio +5.4%
benchmark #1, +5.4% (index only based portfolio)
benchmark #2, +5.7% (Wellington based portfolio)
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I may have misunderstood the question. My spreadsheet calculates annualized yield. That's what I posted. So I recalc'd taking year to date pct and excluding checking where my withdrawals came out of and got 6.2%.
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07-25-2014, 08:22 PM
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#34
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Recycles dryer sheets
Join Date: Oct 2011
Location: Houston, TX
Posts: 70
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401K 6.2% (68/30/2 stk/bnd/cash split)
Taxable Accts 9.3% (some nice returns from oils and micron)
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07-25-2014, 09:40 PM
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#35
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Recycles dryer sheets
Join Date: Apr 2010
Location: Silicon Valley
Posts: 226
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Hi,
I see Vanguard has new personal performance charts and says 10.1%... not everything is at Vanguard. However, sounds about right, sizable chunks of REIT at 18% and emerging markets VWO 9%; EWX 10% YTD gains go somewhat to compensating for significant underperformance of these allocation during the past two years.
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07-25-2014, 09:57 PM
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#36
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Recycles dryer sheets
Join Date: Apr 2012
Location: Birmingham, AL
Posts: 195
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Up 7.2% for the year, Asset Allocation 50/50. Some overweight international, small cap and value.
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07-25-2014, 10:09 PM
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#37
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,809
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Somehow I suspect we are not all calculating this in the same way.
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07-26-2014, 05:13 AM
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#38
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2004
Location: the City of Subdued Excitement
Posts: 5,588
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I haven't looked at this for a long time.
Everything is with Vanguard. Just peeked at their personal performance charts for me. Compared them to VWELX (dividends included) on Yahoo finance.
- Up 17% YTD (Wellington up 10.7%)
- Up 19.2% 1 year (Wellington up 16.7%)
- Up 9% annualized for the last 10 years. (VWELX up 8.6% over the same period.)
- Since bottom in Feb 2009, up annualized 15.7%. This is understated, though, because I had to take some out prematurely during this period. (Wellington up 17%/yr).
- Dropped 43% between my high in Oct 2007 and my low in Feb 2009, 16 months later. (Wellington only dropped 32.5% between those dates).
Mostly index funds, a few selected oil and gas stocks, trying to maintain ~50/50 US/non-US in both groups. ~100% in equities.
Not so bad, then.
Still considering what to do in withdrawal phase when I put it on autopilot. Compared VWELX to VWINX including dividends over a long period and found VWELX to give a little better performance, but with a little more droop in 2007-2009. Hmmm.
Changes will be made when I pack it in next year and start converting to Roths like crazy before I take SS at 70. Maybe put everything into VWINX (original plan) or VWELX?
FYI, after more study of the tax issues, it turns out that I do not have to convert everything to Roth to be tax-free after 70. Income (w/d from t-IRA plus SS can still be at zero taxes below a certain w/d rate). If I die before everything is converted, DW should convert all the balance ASAP for simplicity.
Cheers from Baku
__________________
I have outlived most of the people I don't like and I am working on the rest.
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07-26-2014, 05:18 AM
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#39
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Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 2,472
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YTD 6.9% with 50/50 allocation.
Sent from my Nexus 7 using Early Retirement Forum mobile app
__________________
For me experiences are not good or bad, just different
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07-26-2014, 06:38 AM
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#40
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,722
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