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View Poll Results: Your investment return for 2014
Less than 0% 0 0%
0% to 5% 14 8.75%
5% to 10% 103 64.38%
10% to 15% 33 20.63%
15% to 25% 5 3.13%
Over 25% 5 3.13%
Voters: 160. You may not vote on this poll

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Old 01-02-2015, 09:57 AM   #1
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Post your 2014 investment returns here, inclusive of dividends and all fees. But exclusive of any contributions or withdrawals.

Commonly referred to as 'time weighted rate of return'.

Quote:
INVESTOPEDIA EXPLAINS 'TIME-WEIGHTED RATE OF RETURN'
It is assumed that all cash distributions are reinvested in the portfolio and the exact same periods are used for comparisons. When calculating time-weighted rate of return, the effect of varying cash inflows is eliminated by assuming a single investment at the beginning of a period and measuring the growth or loss of market value to the end of that period
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Old 01-02-2015, 10:17 AM   #2
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29.6% vs. S&P 500 benchmark of 13.5% and inclusive of dividends, brokerage fees, margin interest and exclusive of portfolio deposits and withdrawals (time weighted rate of return).

But with heavy volatility in the 4th quarter of the year.

Point A - Apple reports Q2 earnings
Point B - October 'almost a correction'
Point C - Black Friday, OPEC maintains 30MM BOPD production target

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Old 01-02-2015, 10:29 AM   #3
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401K was 9.23%. Fidelity over all was 11.04 at 11/30, but I had a lot of cash in it for a long time.

The RE portfolio is always 20%+ on my initial investment. Probably a lot higher on an after tax basis.
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Old 01-02-2015, 10:29 AM   #4
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After sitting out 2013 we started buying back in a few months into 2014. Put in what was sitting in the VG prime money market and added almost twice that amount. Bought pretty regularly every week for about 8 months. Ended up with 5.9% earnings for the year according to VG. Not bad for our time in market.

A discussion is taking place in the house regarding a large chunk of PenFed certificates that mature in a few days. We have adequate income to our needs and I like the idea of the money growing and us not paying tax annually on most of it's increase as it grows. SWMBO agrees but wants to buy low. I don't know when that is...

EDIT: should note that the above is purely our return from VG. Doesn't speak to our rental property or the hard money lending we did to flippers or the .01-4% we made with funds sitting in different banks.
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Old 01-02-2015, 10:56 AM   #5
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I earned a smidgeon above the S&P 500 return coming in at 11.46%. But that included an approximate 25% allocation in cash and bonds.

How does one go about achieving a 29.6% rate of return? Your last name isn't Buffett, is it?
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Old 01-02-2015, 11:03 AM   #6
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Balanced portfolio 9%.
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Old 01-02-2015, 11:06 AM   #7
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Originally Posted by ScaredtoQuit View Post
I earned a smidgeon above the S&P 500 return coming in at 11.46%. But that included an approximate 25% allocation in cash and bonds.

How does one go about achieving a 29.6% rate of return? Your last name isn't Buffett, is it?

Take a look at this Mock portfolio I put together earleir this year...65k invested would have returned over 25% or $17,000.


http://www.early-retirement.org/forums/f44/a-quick-mock-15-ytd-portfolio-74099.html#post1537891


As for my portfolio it returned just a bit over the S&P 12% mark.
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FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
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Old 01-02-2015, 11:08 AM   #8
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My international funds lagged.

Moving more into real estate this next year.
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Old 01-02-2015, 11:17 AM   #9
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Overall portfolio around 7.5%.
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Old 01-02-2015, 11:28 AM   #10
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First 401K was 2.6 %. Second 401K was 3.1 %. Low numbers but I like the stable value funds.
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Old 01-02-2015, 11:40 AM   #11
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Originally Posted by ScaredtoQuit View Post
How does one go about achieving a 29.6% rate of return?
By having an unbalanced portfolio, and getting lucky on the said portfolio. Been there and done that when I was younger. With my RE fund, I am happy to come in somewhere between bond & stock performance.
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Old 01-02-2015, 11:54 AM   #12
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6.25% on a 50/50 allocation but slept very well...... I'll be happy with the same performance in 2015 with the international equity side hopefully gaining ground.
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Old 01-02-2015, 12:02 PM   #13
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12.29% (85/15) - heavy S&P influence, most of the bond allocation is G Fund, 15% stock allocation is International (I fund and Vanguard Total Int'l). My small AAPL allocation gave me a boost, as well.
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Old 01-02-2015, 12:08 PM   #14
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6.32% with a 40% Stocks, 40% Bonds and 20% Cash portfolio.


I'm happy with the returns and would like more of the same in the future.
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Old 01-02-2015, 12:20 PM   #15
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Originally Posted by wingfooted View Post
29.6% vs. S&P 500 benchmark of 13.5% and inclusive of dividends, brokerage fees, margin interest and exclusive of portfolio deposits and withdrawals (time weighted rate of return).

But with heavy volatility in the 4th quarter of the year.

Point A - Apple reports Q2 earnings
Point B - October 'almost a correction'
Point C - Black Friday, OPEC maintains 30MM BOPD production target

Interesting because there are a lot of different estimates for the S&P returns that I've seen. I assume the 13.5% includes dividend return, because by all the measures I have, I just beat the S&P but posted 12.29% pre-dividend and S&P was just under 12%. Inclusive of the dividends, PC showed my performance as 14.49%, still above S&P.
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Old 01-02-2015, 01:12 PM   #16
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18.1% on a 60/40 portfolio. I consider it a stellar year.
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Old 01-02-2015, 01:17 PM   #17
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18.1% on a 60/40 portfolio. I consider it a stellar year.
If the S&P 500 returned 12% how could a 60/40 portfolio return 18%?

Am I missing something?
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Old 01-02-2015, 01:17 PM   #18
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18.1% on a 60/40 portfolio. I consider it a stellar year.
That's for sure! I think that back in 2008 we all dreamed of years like this. Wow.
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Old 01-02-2015, 01:25 PM   #19
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6.8% with 55/35/10 portfolio. We're basing ER spending on 3% real returns, so I'm happy with that. Using COLA adjustments of 1.7%, I'm looking at 5% real for 2014.
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Old 01-02-2015, 02:23 PM   #20
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10.6% 65/35 portfolio
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