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Old 01-01-2016, 09:21 AM   #601
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Up 2.03 % since 12/31/2014. 80 Percent of portfolio is in my beloved Stable Value Fund.
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Old 01-01-2016, 09:27 AM   #602
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We finished down 2.16% for the year. Overall I am okay with that as we are 85-90% equities and have about 5% in VBR, and another 6% split between VSS and VWO. Everything else is in Vanguard Target Date 2045.
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Old 01-01-2016, 09:37 AM   #603
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Just finished plugging in the numbers-
Main 401K, 82% of investments, +5.3%
Rollover IRA, 16% of investments, -1.5%
Gambling account, 2% of investments, -6.5%
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Old 01-01-2016, 10:11 AM   #604
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Quote:
Originally Posted by FI by 2024 View Post
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?

Reran my numbers, this time it wasn't at 2am so my brain was working a little better.

I am up 1.6% for the year. Still quite happy with that, all things considered.


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Old 01-01-2016, 10:26 AM   #605
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Barely holding on, but holding on nonetheless at +1.07%

Except for my Rollover IRA, my CD's did better.
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Old 01-01-2016, 10:26 AM   #606
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A quick check of the Vanguard "Personal Performance" page shows a 2.1% return for the period 12/1/2014 to 12/1/2015, the only recent one year period I can get it to actually calculate a return for.
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Old 01-01-2016, 10:46 AM   #607
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Another slightly down response, -1.3%. Could be worse, could be raining.
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Old 01-01-2016, 10:49 AM   #608
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+0.4%.. I'll take it.
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Old 01-01-2016, 10:52 AM   #609
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(+)1.52% including Dividends (1.76%)
(-0.24%) Portfolio return excluding Dividends.
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Old 01-01-2016, 10:53 AM   #610
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-2.5%, after adjusting for withdrawal.
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Old 01-01-2016, 10:54 AM   #611
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+1.2% for 2015


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Old 01-01-2016, 10:56 AM   #612
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Quicken shows 2.5% increase in net worth (excluding house, cars, etc).
Not sure how to calculate investment return due to contributions, conversions etc?
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Old 01-01-2016, 11:04 AM   #613
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I ran my numbers this morning...Rate of Return was 1.56%. Increase in portfolio was about 4.2%, thanks to additional investments.

Kind of a "meh" year overall, but it could always be worse!
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Old 01-01-2016, 11:12 AM   #614
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+0.4% YTD

Glad to be a tiny bit above the s&P YTD. Especially since we have a fair chunk in natural resources and emerging markets.
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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)
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Old 01-01-2016, 11:33 AM   #615
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Just did the annual update in my spreadsheet this morning. IRA/401K investments lost 0.5% for us, end of trading 2014 to end of trading 2015. Pretty close to the market performance. Probably would have been ahead if I used Dec 30th as a cut off.


I don't trust the % gain/loss that Fidelity provides on their web. it never matches anything.
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Old 01-01-2016, 11:36 AM   #616
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Ended the year with a gain of 3.17% on 48.0% Cash/Equiv, 48.5% Equities, 3.5% Bonds. Quicken tells me I did a couple 100ths of a percent better than that on investment accounts, but I include cash value life insurance and HSA accounts to calculate total return, as they are part of the total picture. Wishing everyone a prosperous 2016.
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Old 01-01-2016, 11:42 AM   #617
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Negative 0.8% for 2015.

Last negative year was 2011 when the portfolio was down 1.88%.
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Old 01-01-2016, 11:47 AM   #618
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Overall running -2% for 2015 (accounting for additions/removals). Better than I would have guessed based on the performance of components.

Best assets were:
CDs: +3%
International small stocks: +9%
US REITS: +2.42%

Worst assets were:
Emerging Markets: -15.8%
US Small & Value stocks: -2 to -6%
International Value: -6%
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Old 01-01-2016, 11:50 AM   #619
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0.66 % positive on a 50/40/10 AA

At least my first full year of retirement did not end on a negative note.
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Old 01-01-2016, 12:00 PM   #620
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+0.1% ignoring new money (but including returns on investments bought thru the year)

I'll take it.
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