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Old 01-01-2016, 12:06 PM   #621
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+0.4% YTD

Glad to be a tiny bit above the s&P YTD.
The S&P was up 1.3% for 2015:

https://personal.vanguard.com/us/fun...tExt=INT#tab=1
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Old 01-01-2016, 12:09 PM   #622
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Looks like I get to be an also ran this year.

Time weighted return exclusive of any withdrawals or deposits but inclusive of dividends , margin interest and brokerage fees was -11.8% versus +1.4% for the S&P benchmark.

You can see quite a bit of volatility and the big drop off in December. AAPL was a negative as well as the energy names. This was my first negative year since 2010 so yes it stings a bit.

The good news is 2016 is a new year.

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Old 01-01-2016, 12:12 PM   #623
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Yeah, don't believe the financial news outlets when they say stuff like
Quote:
The S&P 500, which tracks the biggest U.S.-listed companies closed down almost 1 percent on Thursday at 2,043 points. It ended the year down 0.73 percent after three straight years of double digit gains.
They always ignore the >2% dividend yield of the S&P500.
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Old 01-01-2016, 12:24 PM   #624
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If I add back to our portfolio what we withdrew this year, the total equals our portfolio balance on January 1, 2015. Return of 0.0%.
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Old 01-01-2016, 12:38 PM   #625
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Ooops, looked at my source too quickly. I stand corrected. Thanks. I guess. Wah.



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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, 12:51 PM   #626
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Net gain for the year of 0.83%. That's fine in that my AA under-performed a little last year.
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Old 01-01-2016, 01:10 PM   #627
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Looking at my super-duper, inflation-proof, recession-proof, but apparently not fool-proof dividend portfolio with no new money coming in except for whatever the portfolio generated and no money withdrawn, it finished down .995. Not too bad considering who was managing the portfolio.


Edit: using an on-line calculator it seems that the portfolio was actually down 0.42%

Edit again: My benchmark this year was the Thai Bhat (which I may have beaten).
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Old 01-01-2016, 01:19 PM   #628
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-0.8% for an 80/20 AA. Overall portfolio is +7.2%, since I'm still working and saving.
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Old 01-01-2016, 01:34 PM   #629
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Up 0.74% for the year. This is slightly better than a 60/40 benchmark of VTI/BND, which was up 0.44%.

Investment real estate was the best performing asset class, by far. I was also pleasantly surprised by municipal bonds, up 2.9%. Downside included international emerging markets, a high-dividend ETF that is overweight energy/utilities, and high-yield corporate bonds.
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2015 YTD investment performance thread
Old 01-01-2016, 01:49 PM   #630
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2015 YTD investment performance thread

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Originally Posted by audreyh1 View Post
Yeah, don't believe the financial news outlets when they say stuff like

They always ignore the >2% dividend yield of the S&P500.

Question: if you also adjust the prior year 2014 ending SP500 value that they use to derive their .73 percent drop... by the same 2 percent approximate dividend yield that was achieved in 2014...such that both 2014 and 2015 are apples to apples, I think the actual year over year return is still a loss of slightly less than - 1 pct.

Then of course, for the purists, be sure to take off ~2 percent for approximate inflation and you're at a real -2% loss in 2015...
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Old 01-01-2016, 01:59 PM   #631
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Question: if you also adjust the prior year 2014 ending SP500 value that they use to derive their .73 percent drop... by the same 2 percent approximate dividend yield that was achieved in 2014...such that both 2014 and 2015 are apples to apples, I think the actual year over year return is still a loss of slightly less than - 1 pct.

Then of course, for the purists, be sure to take off ~2 percent for approximate inflation and you're at a real -2% loss in 2015...
Total return doesn't work that way. The dividend yield is earned throughout the year. Morningstar gives some pretty good total return benchmark data, http://quicktake.morningstar.com/ind...spx?Symbol=SPX or you can check the Vanguard S&P500 index with the lowest ER.
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Old 01-01-2016, 02:02 PM   #632
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Originally Posted by audreyh1 View Post
Yeah, don't believe the financial news outlets when they say stuff like
They always ignore the >2% dividend yield of the S&P500.
Quote:
Originally Posted by papadad111 View Post
Question: if you also adjust the prior year 2014 ending SP500 value that they use to derive their .73 percent drop... by the same 2 percent approximate dividend yield that was achieved in 2014...such that both 2014 and 2015 are apples to apples, I think the actual year over year return is still a loss of slightly less than - 1 pct.

Then of course, for the purists, be sure to take off ~2 percent for approximate inflation and you're at a real -2% loss in 2015...
I'm not sure you asked a question, but if you did, you might consider asking it of a person closer to your age.
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Old 01-01-2016, 02:59 PM   #633
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First year to date actually paying attention (aka "awake"):
Total investments performance -0.65%
Total investments increase 11.25% (in accumulation)
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Old 01-01-2016, 03:02 PM   #634
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I'm not sure you asked a question, but if you did, you might consider asking it of a person closer to your age.

Touché old timer !! Have a prosperous 2016
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Old 01-01-2016, 03:23 PM   #635
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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?
If you track your investments in Quicken, just do a performance report for last year.
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Old 01-01-2016, 03:29 PM   #636
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Rental property: + 5%, Fixed income: +2.2%, Equities: - 3.2%
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Old 01-01-2016, 03:33 PM   #637
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Up 2.03 % since 12/31/2014. 80 Percent of portfolio is in my beloved Stable Value Fund.
My (very conservative) Megacorp Stable Value fund is up a whopping 1.33% for the first 11 months.
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Old 01-01-2016, 03:44 PM   #638
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Finished 2015 for a performance of +1.39% across all accounts.

Hurt by Energy sector primarily; took large losses in energy stocks, bonds & MLPs. Income issues, mostly Preferred stock and ETDs, helped offset energy losses.
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Old 01-01-2016, 04:08 PM   #639
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Then of course, for the purists, be sure to take off ~2 percent for approximate inflation and you're at a real -2% loss in 2015...
That was my observation as well. That's something the news outlets ignore ever so completely when they report investment results. The economic system grinds this tax out of a subset of the population: those that have a positive net worth.

Quote:
Originally Posted by REWahoo View Post
If I add back to our portfolio what we withdrew this year, the total equals our portfolio balance on January 1, 2015. Return of 0.0%.
That's the same calculation I do...the balance of all accounts right now plus what we spent this year and compared it to 12 months ago. I also do an IRR for each position and aggregate that, which is more accurate, but I usually wait for the year-end statements to roll-in for that.

The result: -1.1% for the year (nominal).

I'm still up 7.4% (nominal) since I quit 2 years ago. I'd be plenty happy if every two year span could be as good as the last two. Which got me thinking...I bet there were a 'report your 2 year return' thread, they'd be be less disperse since maybe bigger downs would be paired with bigger ups. Also, reporting on the single year probably brings some bias, since I'm more likely to post if I have something to brag about, hehe!
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Old 01-01-2016, 04:19 PM   #640
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Up .053%, two basically flat years to start my retirement/withdrawl sequence of returns.
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