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Old 04-05-2015, 10:22 AM   #221
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My 1.7% is actually is "everything". So on the plus side are gains and on the minus side is the spending. The calculation with everything is easiest...add up all the balances on 12/31 and then again on 3/31. No adjustments required for shifts into or out of "spending accounts". But I suppose I might be able to increase the rate a bit by adjusting for spending, but isn't worth it...after all, this is just a "gee whiz" exercise (nothing actionable comes out of it).
The only time I do the IRR calculation is on the quarter ends, and it came out to an annualized IRR of 9.7%! One might expect it would fall closer to 1.7% times 4*, right? But it turned out I had a lot more spending than average clumped in early January.


* Or for the more precision minded: (.017+1)^4 - 1
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Old 04-05-2015, 10:43 AM   #222
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I never do IRR. I only look at year-to-date ROI.

annualized IRR is meaningless, IMO.
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Old 04-07-2015, 08:49 PM   #223
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3.46, due to overperformance of biotech, international, and international small cap (63-23-14). Begins to compensate for the underperformance the last 2 years when the S&P creamed everything. Stick to your allocations! I keep selling biotech but it keeps going up.
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Old 04-07-2015, 09:46 PM   #224
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I got 3.49% YTD
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Old 04-09-2015, 11:05 PM   #225
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Since you ask, here's what Quicken shows me for Q1 of 2015. The result is of my total portfolio, with cash AA of 25%, bond of 6%, and stock of 69%. Also, I have drawn 0.85% YTD to spend, else would be higher.

I look at my portfolio daily to see how it's doing. There are periods of time where I trailed the index badly, and times when I beat it soundly. For this period, I roughly tracked the S&P despite my AA.

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Old 04-30-2015, 11:52 AM   #226
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Up a robust 4.6%. Pacific Asia fund it outperforming all others. Gold ETF isn't going anywhere. My 2 small trading accounts are up 18% & 9.7% but gains slowed down in April.

Sell in May and go away? Anyone?
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Old 04-30-2015, 12:16 PM   #227
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2.38% at this time for the year. in stock and bond stuff.
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2015 YTD investment performance thread
Old 05-26-2015, 06:10 PM   #228
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2015 YTD investment performance thread

I don't recall seeing this before in this thread but it may be handy for some.

I use Google Sheets to track performance (in addition to Quicken). For a portion of my investments, I consider the Vanguard 2025 target date fund (VTTVX) to be my benchmark.

There's a Sheets extension to Excel that gives you updated YTD performance, given a ticker symbol. It looks like this in a cell:

=GoogleFinance("VTTVX","Returnytd")

If you want it to look like a percent in the sheet, divide by 100 and use a percent number format for display.
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Old 05-26-2015, 07:24 PM   #229
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Thanks, Steelyman. If you're an excel user, there are also functions available for free. You have to join a yahoo group called smf_addin and there you can download the plugin. Works pretty good, but it's definitely for power-Excel users.
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Old 05-26-2015, 07:54 PM   #230
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That's good to know, big-papa. I have and am familiar with Excel, but am definitely not a power user (I know a few). Sheets is basic but fine for my uses. I understand Sheets can choke on complicated spreadsheets, though.
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Old 05-27-2015, 09:06 AM   #231
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I focus on 3,5 and 10 year return (including dividends) rather than YTD. What I do is get the 3, 5 and 10 year value of 10,000 for my benchmarks off of Morningstar, apply the weightings of my target 60/34/6 AA to get a portfolio value and then compute the annual return using Excel's rate function given the term, beginning value of 10,000 and ending value.

I then compare the benchmark to my actual portfolio returns for 3, 5 and 10 years from Quicken's Investment Performance report. I do this analysis periodically, usually annually.

This thread prodded me to update the analysis.

  Growth of $10,000  
  5/26/2015  
 Target AA3 year5 year10 year
VTSAX42.0% 17,090 21,982 22,706
VTIAX16.2% 14,465 15,687 17,710
VEMAX1.8% 12,461 13,370 23,304
VFICX21.8% 11,198 13,090 16,981
VWEAX5.4% 12,427 15,424 19,724
VTABX (proxy: RPIBX)5.8% 9,386 10,760 12,693
VGAVX (proxy: PREMX)1.0% 11,400 13,231 20,249
VMMXX6.0% 10,005 10,017 11,644
Portfolio100.0% 14,117 17,060 19,232
     
Benchmark return 12.2%11.3%6.8%
My actual return 12.4%10.7%6.6%
Difference 0.2%-0.6%-0.2%

Is there a function to import the 3, 5 and 10 year growth of 10,000 values or average annual return including dividends for specific tickers? If so, that would make my process easier.
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Old 05-27-2015, 09:16 AM   #232
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Originally Posted by steelyman View Post
I don't recall seeing this before in this thread but it may be handy for some.

I use Google Sheets to track performance (in addition to Quicken). For a portion of my investments, I consider the Vanguard 2025 target date fund (VTTVX) to be my benchmark.

There's a Sheets extension to Excel that gives you updated YTD performance, given a ticker symbol. It looks like this in a cell:

=GoogleFinance("VTTVX","Returnytd")

If you want it to look like a percent in the sheet, divide by 100 and use a percent number format for display.
3.7% YTD.

I use googlefinance on all my tracking and back it up with M*. Unlike M* you can play with numbers to see other stuff.

With googlefinance, you can get ytd, 4, 52 150 week returns, dividends, capgains, etc etc etc

Here's the full set of googlefinance commands/attributes: https://support.google.com/docs/answer/3093281?hl=en
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Old 05-27-2015, 09:58 AM   #233
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2015 YTD investment performance thread

GoogleFinance is nice and easy to use, once you get past reservations about using a different spreadsheet package (Sheets? What? Not Excel!!!?)

It gives me a good snapshot of where my investments are at a given point in time, like checking out things on my iTouch while having morning coffee. "Where do I stand today?".

It doesn't give me historical analysis of things like a database-backed package does (I think of Quicken as essentially a database with a bunch of pre-built forms/views/reports/graphs).

The documentation marko mentions is a good place to look, but some functions don't work as advertised. There was a discussion here a while ago in which that was pointed out.
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Old 05-27-2015, 11:39 AM   #234
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Originally Posted by steelyman View Post
GoogleFinance is nice and easy to use, once you get past reservations about using a different spreadsheet package (Sheets? What? Not Excel!!!?)

It gives me a good snapshot of where my investments are at a given point in time, like checking out things on my iTouch while having morning coffee. "Where do I stand today?".
Pretty much how I use GoogleFinance too, bringing it up on the notebook while having my breakfast to get a quick snapshot of where things are at. Created a couple of "what if" formulas (purely for entertainment purposes, as everything can change in a heartbeat) for looking into the future, given current YTD rate of return calculated from actual values:

Where:
B1="Actual YTD %"
B2="Actual Current Value"
B3="Future Value"
B4="Future Date"

The formulas:
=today()+round(nper((365/datedif(date(year(today()),1,1),today(),"D")*B1)/365,0,B2,-B3),0)
=fv((B1/datedif(date(year(today()),1,1),today(),"d")),date (year(B4),month(B4),day(B4))-today(),0,-B2,0)
Assuming a constant return of YTD %, return the date on which portfolio will reach "Future Value", and the portfolio Future Value on the given "Future Date"

I use the second one to estimate (dream about) what an account earmarked for future use might be worth when it is tapped for distributions.
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Old 05-27-2015, 11:55 AM   #235
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Pretty much how I use GoogleFinance too, bringing it up on the notebook while having my breakfast to get a quick snapshot of where things are at. Created a couple of "what if" formulas (purely for entertainment purposes, as everything can change in a heartbeat) for looking into the future, given current YTD rate of return calculated from actual values:

Where:
B1="Actual YTD %"
B2="Actual Current Value"
B3="Future Value"
B4="Future Date"

The formulas:
=today()+round(nper((365/datedif(date(year(today()),1,1),today(),"D")*B1)/365,0,B2,-B3),0)
=fv((B1/datedif(date(year(today()),1,1),today(),"d")),date (year(B4),month(B4),day(B4))-today(),0,-B2,0)
Assuming a constant return of YTD %, return the date on which portfolio will reach "Future Value", and the portfolio Future Value on the given "Future Date"

I use the second one to estimate (dream about) what an account earmarked for future use might be worth when it is tapped for distributions.
I have a similar 'look forward'.

I assess a certain expectation for each coming year's performance (say, 8%).

Then I track my current performance and in May can say "right now, it is 'August 7'" because that's how far ahead I may be from plan.

It does help when there's a bad day in the market..."Ok, bad day, but it's still July 8th" according to plan.
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Old 05-27-2015, 12:05 PM   #236
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You two are way ahead of me. I take a Casablanca approach: "I never make plans that far ahead".
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Old 05-27-2015, 02:55 PM   #237
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"Returnytd" only works with mutual funds. Doesn't seem to work with ETF symbols...
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Old 05-27-2015, 03:07 PM   #238
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"Returnytd" only works with mutual funds. Doesn't seem to work with ETF symbols...

My uninformed guess is that's because they are priced throughout the day or it's a statistic not reported to Google Finance.
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Old 05-27-2015, 06:59 PM   #239
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I have a spreadsheet (googledocs) that tells me the value of my portfolio any time. We live off the portfolio, although 9x% dividends. It's higher now than 364 days ago. Should I worry?
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Old 05-27-2015, 08:44 PM   #240
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My trading account is up 28% so far this year. Don't get too excited, because it was up 70% last year in August and I finished dead even with the S&P500. I have even more time to waste my gains this year. At least I won't lose the gains the same way this year (oil drop got me last year)
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