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Old 01-01-2013, 02:48 PM   #41
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Old 01-01-2013, 02:55 PM   #42
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Quote:
Originally Posted by REWahoo View Post
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
This works for me too, I just used another term to describe '08. My '12 returns are single digit, after tax, but greater than my withdrawal + inflation + taxes, so I'm happy.
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Old 01-01-2013, 03:01 PM   #43
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11.48% and hoping for that again in 2013.
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Old 01-01-2013, 03:08 PM   #44
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11.13% on a 60/30/10 (Stocks/Bonds/Cash) AA.

Edit: I just checked our 5 year (2008 thru 2012) annualized return and it is 3.67%. I thought it would be higher than that. Guess 2008 took a bigger bite than I realized.
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Old 01-01-2013, 03:09 PM   #45
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11.6% - 55/45 allocation.
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Old 01-01-2013, 03:19 PM   #46
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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.
On me my friend.

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Old 01-01-2013, 03:22 PM   #47
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Ended up at 13.5% for the year with a 60/40 split. So glad I stayed the course these past years!
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Old 01-01-2013, 03:38 PM   #48
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2012 -- 10%,

- Stocks 47%, Bonds 50% and Money Market 3%


I am happy and content with it
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Old 01-01-2013, 03:46 PM   #49
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11.13% on a 60/30/10 (Stocks/Bonds/Cash) AA.

Edit: I just checked our 5 year (2008 thru 2012) annualized return and it is 3.67%. I thought it would be higher than that. Guess 2008 took a bigger bite than I realized.
Made me look 3.78% 2008-2012, mostly 60/40 for the period.
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Old 01-01-2013, 03:48 PM   #50
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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.
I used fixed as term for cash in accounts with set interest rate for the year. In my case, a "cash" sweep account and fixed rate retirement account.
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Old 01-01-2013, 03:54 PM   #51
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On me my friend.

Delicious, thanks
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Old 01-01-2013, 03:55 PM   #52
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2.9% for 2012 , I panicked once during the year and moved all my TSP portion to the G fund. I need to remember (and stick to) asset allocation.
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Old 01-01-2013, 04:42 PM   #53
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Quote:
Originally Posted by REWahoo View Post
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
I like that system except 2008 was Oh crap I might have to return to work !
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Old 01-01-2013, 04:47 PM   #54
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I checked earlier today and was quite pleased to see it was 9.8%.

37% equities 63% fixed income.

My WR was 0%.

Since I did not take any distributions or make any contributions (retired no earned income) I took the balance on (12/31/2012 - 12/31/2011) / 12/31/2011 * 100. This seems this is accurate since the only changes would be due to growth or loss in investments.

I excluded my cash at Ally Bank as it isn't much. Now that I'm collecting SS including Ally Bank in the calculation pushed the return to 10.2% but that's erroneous cuz with SS I'm really banking a lot of money for the last few months.
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Old 01-01-2013, 05:15 PM   #55
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As an early retiree, I generally view my AAs and rates of return separately between my taxable account (which is more income oriented) and my IRA (which is more growth oriented).

My taxable account is 31/69 (stock/bond; cash portion is about 1%) and its overall return was 9.1%. It is about 2/3 of my total portfolio.

My IRA is 55/45 (stock/bond; cash portion is about 1%) and its overall return was 9.2%. It is about 1/3 of my total portfolio.

Amazing how close they were, huh?
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Old 01-01-2013, 05:16 PM   #56
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Old 01-01-2013, 05:27 PM   #57
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10.6 % - 45% equity / 42% bond / 13% cash. Full disclosure- most of the cash is a stable value fund, 10% of the bonds are VG Junk Fund , equities are TSM funds TISM, REITs and Global REITS.
However the only two days that count are the day you buy and the day you sell. This gets me through the tough times and tempers my enthusiasm during the market highs.
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Old 01-01-2013, 05:40 PM   #58
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Doing the year end analysis because it is 12/31/2012

Performance of Benchmarks in 2012

DJIA 7.3%
S&P 500 13.4%
NASDAQ 15.9%
FTSE 100 5.84%
Barclays bonds 5.66%

How did your investment do against the indices?
Equity (70% of portfolio - 40% domestic, 30% international): Up 16.1%
Bonds (5% of portfolio): Up 11.8%
Cash (25% of portfolio - I-bond, money market, stable value funds): Up 2.9%

Total Portfolio gain: 12.2%

========================================

The equivalent thread last year was this: How has your portfolio done in 2011?.

Quite a few reported losses last year, and many with gains of just a couple of percents above the 3% inflation. This year's inflation is less than 2%, and most people have reported greater than 10% gain nominal.
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Old 01-01-2013, 05:56 PM   #59
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Originally Posted by REWahoo View Post
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
Retired in March 08, not a good time. I keep my annual figures in numbers rather than a naritive but pretty much the same message:
2008 -18.8%
2009 18%
2010 11.2%
2011 3.8%
2012 11.7%
Retiring in 08 and wathching the portfolio destruct was frightening. Fortunately I 'stayed the course' and the recovery has worked things out a bit. Would be nice if 2013 returns are anywhere the rates for 2012 without significant inflation.
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Old 01-01-2013, 06:08 PM   #60
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I was curious to see what my returns have been since early retirement at the end of 2002:

2003 - 22.4%

2004 - 12.2%

2005 - 7.6%

2006 - 13.9%

2007 - 6.8%

2008 - (21.7)%

2009 - 18.9%

2010 - 12.0%

2011 - 3.4%

2012 - 11.2%

Amazing the impact of that negative 2008 - it brings the overall annual return average percentage since ER to 7.9%. Still, considering what the world has been like since ER I ain't complaining... The remarkable thing (to me) is how similar many of our returns are. A lot of us at this forum obviously drink from the same cool-aid
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