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Old 01-01-2013, 06:25 PM   #61
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Replay please!
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Old 01-01-2013, 06:27 PM   #62
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We have been lucky so far. We started working/investing in 2000 so we were not terribly impacted by the bursting of the tech bubble. And while our portfolio suffered greatly in 2008/2009, those were also some of our peak earning years. So we were able to save a lot and take advantage of the market's blue light specials which primed us for spectacular gains in 2009 and 2010. All in all, we have averaged 12.3% per year since 2000.
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Old 01-01-2013, 06:29 PM   #63
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Originally Posted by painterbill View Post
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.

Hey pb, how'd you do the math to come up with your number? I have been all in the G fund for the last couple of weeks now. Might be time to move back into C & S but just curious about now to do the math to get the figure for YTD. Thanks.
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Old 01-01-2013, 06:46 PM   #64
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I had a 401k at a previous employer and an IRA that did pretty well for the year, I just did combined them into the TSP in Mid Dec that actually lifted the G fund up to the 2.9%. I took the changes from the Jan 1, 2012 balances from the 401k, IRA and TSP(along with the monthly disbursements) and the balances from 12/31/12 TSP (all monies now in TSP), then divided that into yesterdays TSP amount. Probably not the most accurate math to determine year end yield, I for the most part broke even on the year, took out all of my gains in monthly disbursements. I am about ready to change to 50% in C&S and 50% in G&F.
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Old 01-01-2013, 06:50 PM   #65
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Old 01-01-2013, 06:58 PM   #66
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401(k) MFs (3) - 9.80-13.10%:

Roth - 14.41%
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Old 01-01-2013, 07:01 PM   #67
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Quote:
Originally Posted by NW-Bound View Post
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.
Thanks for the blast from the past. I read the thread again, and had to add a new chapter to this conversation at the start of 2012:
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Audrey , I always admire your knowledge so may I ask " Why are you buying international stocks while Europe is so shaky " ? I have been shying away from them due to the instability .
And who'da thunk. But it turned out that my international funds were the top performers in 2012. Especially OAKIX, which had the most exposure in Europe and Japan and blew away all the other funds with a 29%+ 2012 return.

Actually, OAKIX wasn't my best performing fund in 2012. TAREX, a REIT with mostly international holdings managed a 36%+ return for 2012.

Funny how things often turn out that way.....[although sometimes it takes a few years for a turnaround].
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Old 01-01-2013, 08:06 PM   #68
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17.5%, 100% equities
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Old 01-01-2013, 08:09 PM   #69
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Originally Posted by painterbill View Post
I had a 401k at a previous employer and an IRA that did pretty well for the year, I just did combined them into the TSP in Mid Dec that actually lifted the G fund up to the 2.9%. I took the changes from the Jan 1, 2012 balances from the 401k, IRA and TSP(along with the monthly disbursements) and the balances from 12/31/12 TSP (all monies now in TSP), then divided that into yesterdays TSP amount. Probably not the most accurate math to determine year end yield, I for the most part broke even on the year, took out all of my gains in monthly disbursements. I am about ready to change to 50% in C&S and 50% in G&F.
Painterbill, what does the TSP Personal Performance tool show you for the year? It's right below where your balance is shown on the TSP site. It has been updated as of 12/31/12. Mine shows 28.35% for the year, but of course I know that's inclusive of my contributions.
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Old 01-01-2013, 08:35 PM   #70
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Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2012 is 1.48%.

A study case for not messing with asset allocation
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Old 01-01-2013, 08:44 PM   #71
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Don't feel too bad, I had a pretty good year in 2012, but last year(2011), while pretty good for most people on this board, wasn't so good for me. Last year, I did what you described, basically moving my stuff around, no idea what I was doing, therefore doing it mostly at the wrong time.

Have you ever taken a look at the Yahoo TSP Strategy Group? No cost but membership in the group is required. Nobody's going to tell you how to invest your money, but there's a lot of good discussion. For most of the year, I stuck pretty close to the group's unofficial allocations. It doesn't change very much, but they do tend to be fairly risky. However, I also wandered off on my on a few times, and luckily I mostly made the right calls.

Market timing is generally not a good idea, but I won't lie, this year a little of it did pay off for me. Going forward, I expect to be less aggressive. I'm too close to actually starting withdrawals. I need my money to last....

UPDATE: Just looked, I was -6.9% for 2011!
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Old 01-01-2013, 09:06 PM   #72
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I looked back at 2011. Did not realize it was such a bad year for investment.Wow ! I did not notice at that time because I was busy working and making decent money at the job. Hope the bad years of 2008 to 2011 are behind us, now that I am ERed.
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Old 01-01-2013, 09:14 PM   #73
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Old 01-01-2013, 10:22 PM   #74
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20.25%.

Not a bad year although I wish the markets did not go up in value so quickly (still accumulating investments).

Almost 100% equities.

41% return on my international REIT allocation definitely helped a bit (only 5% of my permanent portfolio). Investing is incredibly simple - even a caveman could do it.

What a strange year though - I don't think any of the nine different asset classes I own produced less than 15% return, and almost all were in the 15-20% return range. Fairly good bit of correlation between the slice and dice asset classes (excepting international REIT).
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Old 01-01-2013, 10:44 PM   #75
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We did 6.5% and are ecstatic! We can sleep at night. In 2008 at 55 years old we lost 40% of the nest egg and it took four years to get it back so those were lost years. We no longer trust Wall Street yet need to keep a toe in, we're too close to retirement (2 years) to let those thieves and their high speed trading computers rob us again. Presently:

21% Stock Index Funds (U.S., Int, REIT, Small Cap)
43% Bonds (Total, TIPS, Ginnie Mae, I Bonds, Short Term Treasury)
36% Cash (ladder CDs)

If you all can stomach the loss while in, or so close to, retirement, more power to you. We learned our lesson...
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Old 01-01-2013, 10:50 PM   #76
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Both retired (55/58) taking instead of adding...

Back of the envelope says up a hair over 7%.

36/41/23

It's good enough for me.
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Old 01-01-2013, 11:21 PM   #77
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Originally Posted by audreyh1 View Post
Thanks for the blast from the past. I read the thread again, and had to add a new chapter to this conversation at the start of 2012:

And who'da thunk. But it turned out that my international funds were the top performers in 2012. Especially OAKIX, which had the most exposure in Europe and Japan and blew away all the other funds with a 29%+ 2012 return.

Actually, OAKIX wasn't my best performing fund in 2012. TAREX, a REIT with mostly international holdings managed a 36%+ return for 2012.

Funny how things often turn out that way.....[although sometimes it takes a few years for a turnaround].
Isn't it amazing that a year passes by faster than anyone can imagine? It won't be too long now until we are true geezers who walk with a cane. It's sad!

But back on stock performance, my best MFs/ETFs/stocks this year are mostly international, with returns better than 20%. Yes, it's about time too. Meanwhile I still have individual stocks in sectors such as mining and energy exploration that have been underperforming the market. Generally, my patience paid off, but when including my below-market return of last year(compared to S&P500), I am still not happy.

What's past is done, but I am looking forward to my long-holding international stocks and ETFs that were underperforming in 2011 and first-half of 2012 to continue to recover and do well in the near future. Revenge will be mine, which was my threat last year too.
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Old 01-02-2013, 12:23 AM   #78
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9.22%

One trading account basically breaks even. Did not help with overall return. Got to remember to trade less in 2013.
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Old 01-02-2013, 01:09 AM   #79
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I have an aggressive allocation 0f 89% equity vs 11% cd's. Equity is divided to 60% in foreign index funds and 40% are American funds

Return was 15%.
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Old 01-02-2013, 06:08 AM   #80
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15.54% for a 75/25 portfolio. Looks nice but barely moves my total return rate since I started investing for retirement.
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