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Old 08-22-2015, 08:38 AM   #321
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Yeah, pretty amazing. The equity portion of my portfolio is dominated by a low cost TSM index fund and overall has a 55/40/5 (approx) AA. That leaves me well below the S and P 500 performance YTD.
I am negative as well.
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Yup it is amazing how many people here beat the market.
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Old 08-22-2015, 09:00 AM   #322
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Negative, in the upper single digits.
My energy holdings, which make up close to one quarter of my portfolio, have been a boat anchor. Still sitting on a lot of cash.
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Old 08-22-2015, 09:05 AM   #323
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... These are also illiquid meaning people buy them and stuff them in the vault. In fact four of them I own didn't even trade a share yesterday.
Sounds like you might not have a solid gauge on the true value drop last few days.
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2015 YTD investment performance thread
Old 08-22-2015, 09:44 AM   #324
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2015 YTD investment performance thread

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Sounds like you might not have a solid gauge on the true value drop last few days.

The ask prices of these have went up a bit the last week corresponding with long end rates dropping. These will trade more in line with the long end of bonds but in a very narrow range. I invest in what I call "yield trapped" utility preferreds. The ones I own were issued between 25-50 years ago. When issued their yields were only a few hundred basis points above 10 year. Now they have spread to 400 making them rather insulated. Why? Because they are past call issues (long past call, though utilities have shown no desire to call them). They should be trading higher but cant be bid too far above par for fear of a call. They cant drop much because their yield is already very high compared to traditional spread. You have to understand these things just dont move much anytime.
Take CNLPL one of my issues. During the depths of the financial crisis in 08-09, this $50 par preferred "collapsed" all the way down to around $44. Utility preferreds react way differently than bank preferreds which collapsed during that crisis. If you check a 10 year price chart of CNLPL you will see what I mean. This is not a capital appreciation stock, its a collect the 6% plus dividend every three months and move on. It has been doing that since 1968.


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Old 08-22-2015, 09:48 AM   #325
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Wouldn't this thread be more interesting if both your high and low for the year were posted? This would give an indication of the portfolio's beta.

I don't grab a snapshot every day, but on 2/26 I was up 3.5% for the year and as of yesterday, down 3.1% for the year. Like I said, "easy come, easy go". I don't have a way to do IRR by asset class, but that might be an interesting new project.
The highest I reported in this thread was end of May. I'm pretty sure I had a higher return at some point this year but cant remember when it was so I'll use end of May.

End of May...+3.5%
Now...-1.9%

My benchmark is Wellington

End of May...+2.3%
Now............-1.8%

Significant out-performance on the upside and very close on the down side so far. Makes me happy....or as happy as you can be when you're losing money.
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Old 08-22-2015, 11:08 AM   #326
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-3.03% YTD after the Friday 500+ drop.

After a week like this, I sit back and think about all those REALLY rich people and how they lost a lot more money than I did.
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Old 08-22-2015, 11:16 AM   #327
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Down 1.38% YTD, and holding ~ 38% cash. Energy hurt me the most, as I've continued to hold those issues.
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Old 08-22-2015, 11:20 AM   #328
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Down just a little over 3% YTD as of today. Not pretty, but own a little too much of CVX. So not horrible considering........
CVX was I say WAS one of my few good stocks to keep my male hormones happy. But preseason has started and football is coming!

At 22 years of ER the YTD has been trumped by RMD. Pun intended.

heh heh heh - real money is full auto in a life cycle balanced index fund.

P.S. Still have CVX just like I'm gonna root for the Saint's. But the Chief's are also tugging at my sleeve fan wise.
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Old 08-22-2015, 11:32 AM   #329
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Just turned barely negative for the year with Friday's action, my investments are now down $434 on the year.
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Old 08-22-2015, 11:35 AM   #330
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As for preferred stocks the PFF ETF after Fridays action and including dividends is up about 3% on the year about the same as Mulligan
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Old 08-22-2015, 12:33 PM   #331
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Up 2.54% YTD
High was 4.1%
65% cash earning 2.1% in an interest income fund
13% MO
9% balanced fund
13% spread between various funds in the 401K
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Old 08-22-2015, 12:38 PM   #332
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Up 2.54% YTD
High was 4.1%
65% cash earning 2.1% in an interest income fund
13% MO
9% balanced fund
13% spread between various funds in the 401K
Did you have 65% cash during 2012 to 2014? Very high cash percentage!
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Old 08-22-2015, 12:51 PM   #333
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I'm down 0.8% YTD, better than most 60/40 benchmarks. Real estate and cash are the bright spots, especially the 2 rental houses. The stock portfolio is down almost 4% (worse than S&P 500) due to EM exposure and some tilt toward large-cap, high-dividend ETFs. The bond side is about flat YTD, which is also worse than the aggregate US bond market, mainly due to high-yield corporate holdings. Excluding cash and real estate, I'm down 2.5% YTD.
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Old 08-22-2015, 01:02 PM   #334
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As for preferred stocks the PFF ETF after Fridays action and including dividends is up about 3% on the year about the same as Mulligan

Mine should have been closer to 4%, but I have to relearn a lesson every few months..... Don't combine entertainment with investing. Always have to dabble on the sides and chose shipping preferreds as my "toy". That cost me about a half percent...Sold them and I swear I wont do it again! At least I will try not to.


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Old 08-22-2015, 01:10 PM   #335
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(-) 3.4% YTD as of yesterday. 100% individual stock portfolio.
This week's paper loss was one year's living expense
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Old 08-22-2015, 01:16 PM   #336
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Did you have 65% cash during 2012 to 2014? Very high cash percentage!
I retired in 2012 and was maintaining a 50/50 balance. I started thinking we were heading for a correction so I started moving more into cash last spring.
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Old 08-22-2015, 04:18 PM   #337
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-1% YTD as of Friday 8/21.

On 5/18 I was up 3.6% for the year which was just enough to recover my start of year annual withdrawal.
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Old 08-23-2015, 04:56 AM   #338
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(-) 3.4% YTD as of yesterday. 100% individual stock portfolio.
This week's paper loss was one year's living expense
there is no such thing as a paper loss .

just because you didn't create a tax event or swap assets does not mean it is any different .

would there be a difference if you closed your position each night and bought the same or different investment each morning to ride up or down vs keeping the money in play in the same investment ?

of course not , your balance is variable and changes all the time and whether you sell or not has nothing to do with your net worth at any point in time.

in fact whether we sell or not our draws are based on that value .

the term only a loss on paper is one of the biggest investing myths.

it makes you feel more comfortable because you can ride that investment back up possibly , but so what , if you sold you would be possibly riding a different investment back up .

as long as the money is kept in play whether you sell or not is irrelevant .

if you sell to cash or if you go more conservative and change reward potential then in effect you no longer are keeping that money in play and in effect if you were in a fund that moved heavier to cash then you would experience the same thing without selling if you missed the move upward .
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Old 08-23-2015, 05:22 AM   #339
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Kinda true... Except of course taxes and trading fees which are meaningful in practice.

But the total post tax less fees is what ultimately matters in practice... So I think that it's worth considering when making hold vs buy vs sell decisions when the price fluctuates.

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Old 08-23-2015, 07:18 AM   #340
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there is no such thing as a paper loss .

just because you didn't create a tax event or swap assets does not mean it is any different .

would there be a difference if you closed your position each night and bought the same or different investment each morning to ride up or down vs keeping the money in play in the same investment ?

of course not , your balance is variable and changes all the time and whether you sell or not has nothing to do with your net worth at any point in time.

in fact whether we sell or not our draws are based on that value .

the term only a loss on paper is one of the biggest investing myths.

it makes you feel more comfortable because you can ride that investment back up possibly , but so what , if you sold you would be possibly riding a different investment back up .

as long as the money is kept in play whether you sell or not is irrelevant .

if you sell to cash or if you go more conservative and change reward potential then in effect you no longer are keeping that money in play and in effect if you were in a fund that moved heavier to cash then you would experience the same thing without selling if you missed the move upward .

+1 I have had so many discussions with coworkers and others who don't want to sell a stock or fund that has losses in their 401k because they cling to the paper loss theory. I try saying would you buy that today over other choices the answer is an immediate no. Being a 401k holding the tax argument isn't even relevant, and trading costs so minimal it's really the flawed psychology of paper losses. Oddly enough no one ever talked paper gains, those seem real to them.


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