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Old 08-03-2015, 10:28 AM   #281
Recycles dryer sheets
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I am at 4.1% YTD and it's no fault of mine!
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Old 08-03-2015, 11:19 AM   #282
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I'm down about 2 % for the year. Guess I'm not as smart as most others here. Breaking even this year would be nice.
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Old 08-03-2015, 11:20 AM   #283
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At the end of July, up 3.9%. Of course 95% of all spreadsheets have an error...
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Old 08-03-2015, 11:38 AM   #284
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5.3% YTD (annualized rate)
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Old 08-03-2015, 11:55 AM   #285
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Quote:
Originally Posted by Spanky View Post
It's amazing so many posts with returns better than the S&P 500!
Yes, most people are more than happy to share their gains, not so much their losses.
Due to energy, I'm down about 3%
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Old 08-03-2015, 12:05 PM   #286
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8.43% YTD. Again, most of this is because I'm Canadian, and our dollar has been sinking in relation to the world, which makes my US & international funds (40% of portfolio) look like they're doing amazing in CAD.
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Old 08-03-2015, 12:34 PM   #287
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I'm up 2.3% YTD as of July 31, which I think is roughly in line with most 60/40 benchmarks (S&P 500 at 3.3% and aggregate US bonds at 0.5%). I've let the overall AA drift to 66/34 and I've reduced the cash portion from 5% to 3%, both of which helped a little. My real estate allocation includes two rental houses that have outperformed almost every stock/bond ETF I own. On the negative side, international equity has done quite well, but my allocation is only 8%, and 50% of that is emerging, which is negative YTD, mainly due to China. I also hold a longer-duration investment-grade corporate bond ETF which is negative YTD. And, some tilt toward large-cap, high-dividend funds has underperformed the broader equity market.

I've got access to a stable value fund currently yielding 1.8%, which will likely replace the longer-duration bond holdings later this year. Maybe sooner. I'm also looking for a rebalance opportunity later this year, or early next, when hopefully bonds are down but stocks are still high. Other actions under consideration include working cash down further to about 2%, double the international allocation, and lessen the tilt toward US large-cap.
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WR: 2.0% SI: 2 pensions, some rental income, SS later
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Old 08-04-2015, 01:34 PM   #288
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Our YTD is 3.66%.
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(49, married; DH 53. I am fully retired as of 2015 (well ok, I still work part-time but only because I love the job and have complete freedom to call off if I want to travel with hubby for work), DH hopes to fully retire 2018 when he turns 55 to access 401K penalty-free...although he may decide to do part-time consulting)
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Old 08-04-2015, 01:57 PM   #289
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Still up 2.5% YTD at end of July which is better than I expected. It's been a boring slow year so far.
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Old 08-04-2015, 03:30 PM   #290
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Quote:
Originally Posted by Fermion View Post
Yep. For a forum that seems to be 99% indexers, everyone is actually a closet market timer.
Preferred the term "short term trader." Majority of my gain of 2.75% was due to short term trades while waiting patiently for the market to skyrocket. Wheeeee .....
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Old 08-04-2015, 03:44 PM   #291
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Quote:
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It's amazing so many posts with returns better than the S&P 500!
Quote:
Originally Posted by Fermion View Post
Yep. For a forum that seems to be 99% indexers, everyone is actually a closet market timer.
What posters are saying is "My index beats your index".
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Old 08-04-2015, 03:47 PM   #292
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What posters are saying is "My index beats your index".
I guess you are still indexing even if it is a leveraged short position index
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Old 08-04-2015, 07:14 PM   #293
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Or those with negative returns aren't posting . Survivorship bias. I'm down about 2.5%

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Old 08-05-2015, 01:57 PM   #294
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YEARGAIN%
2008-21.7
200926.3
201011.5
20111.2
201210.8
201310.8
20144.8
20151.6
2014 numbers skewed a bit due to a withdrawal, but close enough...
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Old 08-05-2015, 09:09 PM   #295
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Are most of you using vanguard advisors in selecting your funds ?


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Old 08-06-2015, 05:41 PM   #296
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Or those with negative returns aren't posting . Survivorship bias. I'm down about 2.5%
Thanks for posting. We need more people like you to speak up.

If your YTD gain is hanging by a thread, the market decline of the last couple of days might have tipped it to the red. Fun time!
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Old 08-06-2015, 05:54 PM   #297
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Another loser here, down 0.38%. Busy harvesting gold related tax losses, swapping into new gold positions. At least my spending is below my dividends (of course, I'm eating cat food😉&#128045.


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Old 08-06-2015, 09:21 PM   #298
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+2.3% YTD. All stock portfolio (US=65% , Foreign=34%, Cash 1%).
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Old 08-06-2015, 10:17 PM   #299
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+2.3% YTD. All stock portfolio (US=65% , Foreign=34%, Cash 1%).
The cash must be holding up the stock portion.
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Old 08-07-2015, 06:59 AM   #300
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1.47 % YTD as of August 6. 80 % in stable value fund.
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