Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 09-02-2015, 10:06 AM   #361
Recycles dryer sheets
 
Join Date: Sep 2008
Posts: 142
My best investment is up ~ 13%, this is the pillow money that gets converted in to pesos when I sent it over to my mom. All other investments ~ 1% or even.
__________________

__________________
HF63 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-02-2015, 10:08 AM   #362
Thinks s/he gets paid by the post
simple girl's Avatar
 
Join Date: Sep 2006
Posts: 2,505
Quote:
Originally Posted by Dawg52 View Post
I need to hire you to manage my portfolio. That's excellent in this market.
Quote:
Originally Posted by sengsational View Post
If you're adding cash to your portfolio, one needs to calculate IRR or otherwise adjust for that fact. I'm not sure if that spreadsheet does that, or just takes the simple ($start-$now)/$start. Although not as good as IRR, you might try ($start-$now-$addedSinceStart)/$start.
OK, so I just modified the input data and took out all cash - the return now based on stock, bond, rental property equity and contributions via 401K, etc. is: - 1.42% YTD.

So Dawg, not nearly as good as I had thought, but I'll take it! (Assuming my math isn't fuzzy...these calculations, even with a fancy spreadsheet, are not easy to figure out!)
__________________

__________________
simple girl
less stuff, more time

(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)
simple girl is offline   Reply With Quote
Old 09-02-2015, 11:32 AM   #363
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
kcowan's Avatar
 
Join Date: Jul 2006
Location: Pacific latitude 20/49
Posts: 5,718
Send a message via Skype™ to kcowan
YTD just under 3.3% decline.
__________________
For the fun of it...Keith
kcowan is offline   Reply With Quote
Old 09-02-2015, 04:38 PM   #364
Thinks s/he gets paid by the post
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 3,819
Quote:
Originally Posted by simple girl View Post
It has a spot for contributions and withdrawals. So far I've been just putting in our 401K contributions (and HSA/Roth's, etc. when done). So you are saying whatever cash we end up left over from our income, after expenses, should also be added to contributions? (aka our cash savings every month is considered a contribution?)
Quote:
Originally Posted by simple girl View Post
OK, so I just modified the input data and took out all cash - the return now based on stock, bond, rental property equity and contributions via 401K, etc. is: - 1.42% YTD.

So Dawg, not nearly as good as I had thought, but I'll take it! (Assuming my math isn't fuzzy...these calculations, even with a fancy spreadsheet, are not easy to figure out!)
Sometimes the fancy spreadsheet is the problem! The reason I say that is without a good understanding of what it's doing, it's easy to create your inputs in a way that wasn't what the spreadsheet "expects".

To calculate internal rate of return, you'd need the starting balance, all deposits and withdrawals that would affect the balance, plus the date of each of those. And the last bit of information would be the balance now. I've posted a simple spreadsheet where the portfolio starts with 10,000, $250/month is added, and there are random gains each month recorded. The IRR would have been 4.1% without the $250/month, but is 3.7% with those monthly deposits.

https://drive.google.com/file/d/0B6X...ew?usp=sharing
__________________
sengsational is offline   Reply With Quote
Old 09-02-2015, 06:33 PM   #365
Thinks s/he gets paid by the post
robnplunder's Avatar
 
Join Date: Nov 2013
Location: Bay Area
Posts: 2,124
Down 1.9%. I hope this was the correction I have been waiting.
__________________
Pura Vida
robnplunder is offline   Reply With Quote
Old 09-02-2015, 09:38 PM   #366
gone traveling
 
Join Date: Oct 2007
Posts: 1,135
Currently market is -8.6 percent on the SP500. ( down from all time highs).

My Portfolio -9.1 percent...

Difference is a bet on international stocks that has not panned out as intended (vxus) and a tilt toward Russell 2000 that is held by VTI as compared to my benchmark, the SP500
__________________
papadad111 is offline   Reply With Quote
Old 09-02-2015, 09:54 PM   #367
Thinks s/he gets paid by the post
Sunset's Avatar
 
Join Date: Jul 2014
Location: Chicago
Posts: 4,727
Well now that the market is correcting, I wish I had know it was wrong to start

I don't like to calculate how far down I am because it doesn't change the fact that I'm going to buy more now that it's on sale, while thinking about how long my cash has to last.

A little mental tug of war...
__________________
Sunset is offline   Reply With Quote
Old 09-03-2015, 08:43 AM   #368
Full time employment: Posting here.
BTravlin's Avatar
 
Join Date: May 2010
Posts: 994
-.78% as of 9/1/15 with a 40/60 AA.
__________________
Wherever you go, there you are.
(In other words, no whining!)
BTravlin is offline   Reply With Quote
Old 09-03-2015, 04:25 PM   #369
Thinks s/he gets paid by the post
simple girl's Avatar
 
Join Date: Sep 2006
Posts: 2,505
Quote:
Originally Posted by sengsational View Post
Sometimes the fancy spreadsheet is the problem! The reason I say that is without a good understanding of what it's doing, it's easy to create your inputs in a way that wasn't what the spreadsheet "expects".

To calculate internal rate of return, you'd need the starting balance, all deposits and withdrawals that would affect the balance, plus the date of each of those. And the last bit of information would be the balance now. I've posted a simple spreadsheet where the portfolio starts with 10,000, $250/month is added, and there are random gains each month recorded. The IRR would have been 4.1% without the $250/month, but is 3.7% with those monthly deposits.

https://drive.google.com/file/d/0B6X...ew?usp=sharing
Thank you so much! I will definitely take a look at that later when I have a bit more time!
__________________
simple girl
less stuff, more time

(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)
simple girl is offline   Reply With Quote
Old 09-03-2015, 05:23 PM   #370
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,705
I use XIRR. The result looks like this:

12/31/2014 10000.00
1/30/2015 250.00
2/28/2015 250.00
3/31/2015 250.00
4/30/2015 250.00
5/31/2015 250.00
6/30/2015 250.00
7/31/2015 250.00
8/31/2015 250.00
9/1/2015 -12269.01
xirr 3.72%

Confirms what Seng says on his sheet.
__________________
target2019 is offline   Reply With Quote
Old 09-03-2015, 11:20 PM   #371
Recycles dryer sheets
 
Join Date: May 2011
Location: Maple Valley
Posts: 466
Up .42%.
__________________
kimcdougc is offline   Reply With Quote
Old 09-04-2015, 03:25 AM   #372
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 16,465
I'm tired of looking at it. Up 1% one day, down 1% the next. It's such a moving target I think I'll wait until the end of the year.
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is offline   Reply With Quote
Old 09-04-2015, 01:46 PM   #373
Thinks s/he gets paid by the post
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 3,819
Quote:
Originally Posted by target2019 View Post
I use XIRR. ...
XIRR() was apparenlty added to Excel later, so I've been using IRR() which requires equally spaced time intervals (in the example, it's one month).

Good to know XIRR() is out there...it would make it even easier to get YTD performance, even if there have been deposits and withdrawals. My 15 year old Excel doesn't have it though, so I need to stick with the approximation of bunching the transactions for the month into one number.
__________________
sengsational is offline   Reply With Quote
Old 09-04-2015, 02:01 PM   #374
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,705
Quote:
Originally Posted by sengsational View Post
XIRR() was apparenlty added to Excel later, so I've been using IRR() which requires equally spaced time intervals (in the example, it's one month).

Good to know XIRR() is out there...it would make it even easier to get YTD performance, even if there have been deposits and withdrawals. My 15 year old Excel doesn't have it though, so I need to stick with the approximation of bunching the transactions for the month into one number.
I think you may be talking about ancient history. I found XIRR in an Excel 4.0 manual that is labeled for Macintosh. But I know the PC and Mac versions were very close. What version are you using? It may be in a toolpak or something like that.

Of course I had no idea what it was until 2005! It took me a while to get it to work. Lots of confusing instructions on the net about it. It's a popular topic. But it's finicky. I always seem to get one thing wrong and need to filter my inputs better. Formatting is important too.

I used XIRR against a few mutual funds in my 401K and found the results to be almost identical to the performance reports I could pull from the 401K site. The contributions were equally spaced, but I change my allocation 2 or 3 times during one year. XIRR was able to handle that.
__________________
target2019 is offline   Reply With Quote
Old 09-10-2015, 12:55 PM   #375
Thinks s/he gets paid by the post
nun's Avatar
 
Join Date: Feb 2006
Posts: 4,836
YTD I'm down 2%. Luckily (and that all it was) I moved $300k from equities to TIAA-Traditional when the DOW was over 18k as part of a strategy to buy into my state's DB plan. So that's ticked along at an annual rate of 4%. I also have money in Wellesley and that has held up relatively well to offset some of the equity losses. I have rebalanced once moving money from a bond fund to a total stock market index fund.
__________________
“So we beat on, boats against the current, borne back ceaselessly into the past.”

Current AA: 65% Equity Funds / 20% Bonds / 7% Stable Value /3% Cash / 5% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
nun is offline   Reply With Quote
Old 09-20-2015, 04:35 PM   #376
Full time employment: Posting here.
 
Join Date: Jul 2013
Posts: 568
As of today according to Personal Capital YTD I'm down -2.46%, S&P500 is down -4.90%
__________________
dvalley is offline   Reply With Quote
Old 09-20-2015, 04:41 PM   #377
Recycles dryer sheets
 
Join Date: May 2011
Location: Maple Valley
Posts: 466
Down 3.46%
__________________
kimcdougc is offline   Reply With Quote
Old 10-01-2015, 11:41 AM   #378
Thinks s/he gets paid by the post
robnplunder's Avatar
 
Join Date: Nov 2013
Location: Bay Area
Posts: 2,124
Down 3%. This quarter has been brutal, probably for most of us. Did some short term trading to beat the index so far. Otherwise, I'd be down more another point or two.
__________________
Pura Vida
robnplunder is offline   Reply With Quote
Old 10-01-2015, 11:46 AM   #379
Full time employment: Posting here.
 
Join Date: Mar 2015
Location: philly
Posts: 876
Quote:
Originally Posted by HF63 View Post
My best investment is up ~ 13%, this is the pillow money that gets converted in to pesos when I sent it over to my mom. All other investments ~ 1% or even.
__________________
bclover is offline   Reply With Quote
Old 10-01-2015, 11:47 AM   #380
Full time employment: Posting here.
 
Join Date: Mar 2015
Location: philly
Posts: 876
ytd down 2.8

__________________

__________________
bclover is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
YTD Performance Poll 4merKPer FIRE and Money 98 08-09-2011 12:09 PM
YTD 2006 investment Sam FIRE and Money 84 12-04-2006 01:39 PM
What's Your YTD Return? Tommy_Dolitte Young Dreamers 53 12-02-2004 07:10 AM

 

 
All times are GMT -6. The time now is 02:59 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.