|
|
01-01-2013, 06:25 AM
|
#21
|
Full time employment: Posting here.
Join Date: Dec 2010
Posts: 576
|
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.
|
|
|
|
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!
Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!
|
01-01-2013, 07:02 AM
|
#22
|
Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 2,472
|
Quicken says, up 12.88 65/35, I would love to see this again in 2013.
__________________
For me experiences are not good or bad, just different
|
|
|
01-01-2013, 07:09 AM
|
#23
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,331
|
11.19 in portfolio this new year's vs last. That number includes withdrawals so actual return on investments not spent would be higher.
__________________
Idleness is fatal only to the mediocre -- Albert Camus
|
|
|
01-01-2013, 07:29 AM
|
#24
|
Thinks s/he gets paid by the post
Join Date: Jul 2009
Location: Miraflores,Peru
Posts: 1,992
|
13% on 60% CD's/30% RE/10% cash.
|
|
|
01-01-2013, 08:44 AM
|
#25
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,376
|
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%.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
|
|
|
01-01-2013, 09:08 AM
|
#26
|
Full time employment: Posting here.
Join Date: Jan 2011
Posts: 586
|
Quicken reports 10.65% on a conservative AA (40/60 equity/fix).
|
|
|
01-01-2013, 09:54 AM
|
#27
|
Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,130
|
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.
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
|
|
|
01-01-2013, 09:56 AM
|
#28
|
Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 2,526
|
11.2% per quicken - 55/45 (equity/bonds) boring portfolio
|
|
|
01-01-2013, 09:58 AM
|
#29
|
Recycles dryer sheets
Join Date: Jun 2010
Posts: 456
|
11.22% - 58/34/8
__________________
...open up your mind and see like me...
|
|
|
01-01-2013, 10:54 AM
|
#30
|
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
|
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.
|
|
|
01-01-2013, 11:47 AM
|
#31
|
Dryer sheet aficionado
Join Date: Nov 2005
Posts: 46
|
Stocks = 49%
Bonds = 32%
Fixed = 19%
9.47% return
|
|
|
01-01-2013, 11:52 AM
|
#32
|
Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,746
|
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%
|
|
|
01-01-2013, 12:17 PM
|
#33
|
Full time employment: Posting here.
Join Date: Dec 2010
Posts: 576
|
Quote:
Originally Posted by Andre1969
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.
|
|
|
01-01-2013, 12:20 PM
|
#34
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,022
|
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
__________________
Numbers is hard
|
|
|
01-01-2013, 12:25 PM
|
#35
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2007
Posts: 13,228
|
I got 5% a month with my can't-lose Forex system...
|
|
|
01-01-2013, 12:26 PM
|
#36
|
Recycles dryer sheets
Join Date: Dec 2007
Posts: 482
|
Retirement accounts (IRAs, 401ks, 403b): 15.2%, 80/20
Non retirement (excluding cash): 14.7%
Cash: struggling to earn 1%
__________________
Retire date Jan. 10, 2018
|
|
|
01-01-2013, 12:29 PM
|
#37
|
Full time employment: Posting here.
Join Date: Apr 2011
Location: Castro Valley
Posts: 788
|
I'm very happy with this year's returns:
35% Stocks
37% Bonds
28% Cash
Total return: 8.3%
|
|
|
01-01-2013, 12:50 PM
|
#38
|
Thinks s/he gets paid by the post
Join Date: Aug 2012
Posts: 1,862
|
Our moderately aggressive mix got us 12.40% this year. I'll take it.
|
|
|
01-01-2013, 01:32 PM
|
#39
|
Thinks s/he gets paid by the post
Join Date: Jul 2006
Posts: 1,901
|
Retired and focused on income & capital preservation.
39% Stocks
48% Bonds
13% Cash
Total return: 9.7%
__________________
“I guess I should warn you, if I turn out to be particularly clear, you've probably misunderstood what I've said” Alan Greenspan
|
|
|
01-01-2013, 01:45 PM
|
#40
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,376
|
Quote:
Originally Posted by jeeper
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.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads
|
|
|
|
|
|
|
|
|
|
|
|
|
» Quick Links
|
|
|