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Old 01-01-2013, 07:25 AM   #21
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It is good to see people responded so far all have a decent year, hope everyone will have more of the same going forward into the future.
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Old 01-01-2013, 08:02 AM   #22
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Quicken says, up 12.88 65/35, I would love to see this again in 2013.
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Old 01-01-2013, 08:09 AM   #23
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11.19 in portfolio this new year's vs last. That number includes withdrawals so actual return on investments not spent would be higher.
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Old 01-01-2013, 08:29 AM   #24
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13% on 60% CD's/30% RE/10% cash.
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Old 01-01-2013, 09:44 AM   #25
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12.91%

I was shocked that the Quicken report I just ran said 0.00% but then I saw it was current year-to-date (2013) so if I change it to last year (2012) it indicates 12.91%.

I'm quite happy with that as my deterministic assumption for retirement planning is an intentionally conservative 5.5%. Since my cash and invested assets increased 9.49% for 2012 it looks like my WR was ~ 3.4% compared to a target of 3.5%.

Target AA is 42% domestic equities, 14% international equities, 37% bonds and 7% cash/short term investments (or ~ 2 years of living expenses in cash/short term investments and 60/40 for investments) and is mostly Vanguard. ER is ~ 0.17%.
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Old 01-01-2013, 10:08 AM   #26
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Quicken reports 10.65% on a conservative AA (40/60 equity/fix).
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Old 01-01-2013, 10:54 AM   #27
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Low man so far at +9.2%, but not bad with a fairly conservative 30/70 AA. Think I will have another med.
Mind if I join you at that bar?

8.62% XIRR with 35/50/15 AA

I'm very happy with that since it has now been 4 very solid years of gains since 2008.
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Old 01-01-2013, 10:56 AM   #28
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11.2% per quicken - 55/45 (equity/bonds) boring portfolio
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Old 01-01-2013, 10:58 AM   #29
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11.22% - 58/34/8
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Old 01-01-2013, 11:54 AM   #30
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The year 2011 was not a good one and I didn't participate in any threads like this.

So will just say that 2012 was much better. Slightly beat a 65/35 AA benchmark of index funds and another benchmark with a Wellington component. Don't want to disturb the financial gods by giving numbers.

Looking at 2013 with a bit of trepidation because 2012 was a good one -- not logical I know.
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Old 01-01-2013, 12:47 PM   #31
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Stocks = 49%
Bonds = 32%
Fixed = 19%

9.47% return
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Old 01-01-2013, 12:52 PM   #32
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As of last nite, I came in at 15.94% for the year.

For comparison, here's my return the past few years...
2011: down 0.12%
2010: up 19.77%
2009: up 44.71%
2008: umm, let's not talk about that! Well, okay, down 42.04%
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Old 01-01-2013, 01:17 PM   #33
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As of last nite, I came in at 15.94% for the year.

For comparison, here's my return the past few years...
2011: down 0.12%
2010: up 19.77%
2009: up 44.71%
2008: umm, let's not talk about that! Well, okay, down 42.04%
I went back to look at how my 2 funds did at T Rowe Price. It was the easiest because I did not touch them since 12/31/2006. In 6 years they returned a whooping 16% in total, or 2.6% a year by simple return. Everyone went through the same horrendous slaughter of 2008. Talk about years of investment time lost.
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Old 01-01-2013, 01:20 PM   #34
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Note my sig line.

Since retiring in mid 2005 and moving to a very conservative AA (40/55/5) I've used a different ruler to measure my annual investment returns. Rather than a percentage, I track my portfolio to see if it is larger or smaller (after withdrawals) than it was the previous Dec 31. My results:

2005 - Yes
2006 - Yes
2007 - No
2008 - Oh No!
2009 - Yes!
2010 - Yes
2011 - Yes
2012 - Yes
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Old 01-01-2013, 01:25 PM   #35
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I got 5% a month with my can't-lose Forex system...
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Old 01-01-2013, 01:26 PM   #36
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Retirement accounts (IRAs, 401ks, 403b): 15.2%, 80/20
Non retirement (excluding cash): 14.7%
Cash: struggling to earn 1%
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Old 01-01-2013, 01:29 PM   #37
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I'm very happy with this year's returns:

35% Stocks
37% Bonds
28% Cash

Total return: 8.3%
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Old 01-01-2013, 01:50 PM   #38
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Our moderately aggressive mix got us 12.40% this year. I'll take it.
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Old 01-01-2013, 02:32 PM   #39
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Retired and focused on income & capital preservation.

39% Stocks
48% Bonds
13% Cash

Total return: 9.7%
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Old 01-01-2013, 02:45 PM   #40
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Quote:
Originally Posted by jeeper View Post
Stocks = 49%
Bonds = 32%
Fixed = 19%

9.47% return
What is "Fixed"? While I'm familiar with Bonds and Fixed Income, I think of bonds as either the same as fixed income or as a component of fixed income.
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