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Old 12-31-2015, 06:16 PM   #581
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We're at -.52 % overall for the year.
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Old 12-31-2015, 06:23 PM   #582
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Quicken says investments are up .32% for the year but for only the second time since ER 13 years ago, liquid NW is down ~ 2%. What's with this drawing assets down? I thought it was supposed to be up and up?
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Old 12-31-2015, 06:31 PM   #583
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+0.3% for the year for my stock/bond portfolio. And 4.1% for my CD ladder.
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Old 12-31-2015, 06:39 PM   #584
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+0.3% for the year for my stock/bond portfolio. And 4.1% for my CD ladder.
Would I be correct in assuming your CDs are 10 year CDs and nearly ending?
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Old 12-31-2015, 07:07 PM   #585
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Would I be correct in assuming your CDs are 10 year CDs and nearly ending?
They are 5-10 year CDs maturing between 2017 and 2021.
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Old 12-31-2015, 07:22 PM   #586
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They are 5-10 year CDs maturing between 2017 and 2021.
You must have gotten some really good deals. A quick search showed average 5 year cds haven't been at the 4% level since around 2007.
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Old 12-31-2015, 07:34 PM   #587
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You must have gotten some really good deals. A quick search showed average 5 year cds haven't been at the 4% level since around 2007.
I have some 5-year CDs purchased from PenFed in December 2013 paying 3%. And a good helping of 10-Year CDs purchased from PenFed in January 2011 paying 5%. Throw in a few 7-year CDs purchased from USAA throughout 2010 paying 3.5-3.85% and the weighted average comes to just over 4%.
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Old 12-31-2015, 09:41 PM   #588
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Final numbers are in…. -0.43% XIRR. Raising my glass to a better 2016…Cheers.
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Old 01-01-2016, 02:23 AM   #589
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Up 3.9% with no idea whether I am calculating that correctly. Considering how many of you are reporting losses I'm guessing I did it wrong.

What I did was I took the difference between last year's Dec 31st numbers and this year's numbers, subtracted my contributions, then divided the result by last year's total. Is that the right way?


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Old 01-01-2016, 05:20 AM   #590
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Final Tally for 2015 across all accounts: -0.9%
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Old 01-01-2016, 06:32 AM   #591
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Up 3.9% with no idea whether I am calculating that correctly. Considering how many of you are reporting losses I'm guessing I did it wrong.

What I did was I took the difference between last year's Dec 31st numbers and this year's numbers, subtracted my contributions, then divided the result by last year's total. Is that the right way?


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Sounds right to me.

Example: Last year = $1,000,000
This year - contributions = $1,039,000
$39,000/$1,000,000 = .039 or 3.9%

If you are in index funds tracking the S&P, there is something probably wrong. Make sure you subtracted all contributions.
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Old 01-01-2016, 06:56 AM   #592
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Final tally shows portfolio down 0.9% for the year, and net worth down about 6% due to buying a new home.

Annualizing it over a number of years though, we're doing fine.
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Old 01-01-2016, 07:09 AM   #593
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Overall I was up .1% with AA 75/25. However, it is pertinent to look at some internals. I have my investments in 3 fairly equal sized accounts - my 401K, a long time self managed account, and an account that was advisor managed until a year ago when I took it over too. This last account still held some investments that the manager had chosen, since selling everything at once would have generated a big tax bill. This third account was down 1.7%. The other two were up 1.2% and .8% respectively.
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Old 01-01-2016, 07:37 AM   #594
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Just did my EOY tally. Portfolio (~55/40/3/2 Eq/Bnd/$$/PM) down 1.5% from EOY Value on 12/31 2014.

Notes:

1. Made portfolio withdrawals of ~2.0% (Taxable account distributions and some cash) to supplement pension.

2. IRA distributions were re-invested but I still was just about even on that "bucket".
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Old 01-01-2016, 08:16 AM   #595
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Down around 1.5 % which is horrible considering my conservative AA. But within my equities I had a little too much in oil stocks. Oh well...…
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Old 01-01-2016, 08:23 AM   #596
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Best as I can tell across all investment accounts....

drum roll, please....

Up 0.04% -- in other words, I basically tucked my entire portfolio under a pillow in 2015. Though in reality, it was probably a rebalancing near the lows for the year that got me into the black. A whole lot of nothing going on! Do I win the "closest to flatlining" award?
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Old 01-01-2016, 08:34 AM   #597
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Even the richest guy in China had a rough year. (pub Aug 2015)


Asia's richest man lost $13 billion in China crash - Aug. 25, 2015
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Old 01-01-2016, 08:34 AM   #598
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6.35% overall not including contributions. Canadian ETF XIC down 11% but I was saved by having 2/3 of my equity holdings outside of Canada. My international ETF XEF did pretty well up 13.5% and the drop of CDN dollar pushed US holding VTI up just based on currency exchange. Also got lucky with timing of dumping emerging markets (DEM and VWO) in late 2014 as they had a horrible 2015 with DEM down 26%.


2015 was the lowest stress, least active involvement, lowest number of transactions, lowest cost year in my investing life as we are down to 4 holdings.


Overall net worth was up 16.9% beating last years gain of 16.8%
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Old 01-01-2016, 08:36 AM   #599
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Up 3.9% with no idea whether I am calculating that correctly. Considering how many of you are reporting losses I'm guessing I did it wrong.

What I did was I took the difference between last year's Dec 31st numbers and this year's numbers, subtracted my contributions, then divided the result by last year's total. Is that the right way?
Not the exact way to calculate XIRR since it doesn't fully account for the performance of the funds added during the year for a portion of the year, but probably close, especially if the overall balance is a lot higher than your 2015 contributions.
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"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
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Old 01-01-2016, 08:53 AM   #600
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Up .05% .At least it was not in the negative .
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