Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 02-28-2015, 08:51 AM   #121
Thinks s/he gets paid by the post
 
Join Date: May 2014
Posts: 3,008
Mine is a little complicated because I'm now withdrawing money. I started by calculating the annualized Internal Rate of Return. In other words, what annual rate would a bank account have to pay for me to have what I do now, starting with what I had at 1/1 and given my withdrawals in the meantime?

I then took (1+ the annualized rate)^(1/6) -1 (to see what that would yield over 1/6 of the year) and got 3%. Woo-hoo! Edited to add: that's with a portfolio of 75% equities, 25% fixed income.

And if you can follow that, you're probably another geek.
__________________

__________________
athena53 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 02-28-2015, 08:53 AM   #122
Administrator
Gumby's Avatar
 
Join Date: Apr 2006
Posts: 10,163
3.1%
__________________

__________________
Living an analog life in the Digital Age.
Gumby is offline   Reply With Quote
Old 02-28-2015, 09:16 AM   #123
Thinks s/he gets paid by the post
 
Join Date: Nov 2006
Posts: 2,268
I'm at +2.5% which puts me tied with the SP500 which makes me very happy considering I'm at 60/40.

My trading account where I day trade and trade options is +6% YTD. Its only about 5% of my total portfolio.
__________________
utrecht is offline   Reply With Quote
Old 02-28-2015, 09:39 AM   #124
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,709
Asset Allocation
Int'l Stock 19.0%
US Stock 39.0%
IT/LT Bond 17.5%
ST Bond/Csh 24.5%

Gains
Jan +0.08%
Feb +2.80%

YTD +2.88% for our 58/42 Stocks/Bond portfolio. Early 60's and not withdrawing yet.

February brought most sub-allocations back into line. I helped things along by investing new Roth contributions to Int'l.

At the end of Q1 2015, I will try to remember to post numbers for a 35/65 portfolio I monitor. That one is more interesting.
__________________
target2019 is offline   Reply With Quote
Old 02-28-2015, 11:51 AM   #125
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,485
Quote:
Originally Posted by athena53 View Post
Mine is a little complicated because I'm now withdrawing money. I started by calculating the annualized Internal Rate of Return. In other words, what annual rate would a bank account have to pay for me to have what I do now, starting with what I had at 1/1 and given my withdrawals in the meantime?

I then took (1+ the annualized rate)^(1/6) -1 (to see what that would yield over 1/6 of the year) and got 3%. Woo-hoo!

And if you can follow that, you're probably another geek.
I do something similar. I take my Quicken YTD return (which is an annualized return) for all my accounts except my online bank account (which is where my withdrawals come from), do the calculation you describe above but then multiply it by 94% to reflect that 6% of my nestegg is in cash. For simplicity I assume my cash earns zero even though it really earns 0.9% annually. I get 2.8% YTD.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
pb4uski is offline   Reply With Quote
Old 02-28-2015, 12:03 PM   #126
Recycles dryer sheets
 
Join Date: Feb 2015
Posts: 121
Quote:
Originally Posted by ERTX View Post
YTD 2.78%. Avg yield 3.48%.
Now up YTD 2.94% (rebound in utility/energy holdings). Avg yield down to 3.41%. Will receive 45 dividend payments in March that goes to replenish my cash pile.
__________________
ERTX is offline   Reply With Quote
Old 02-28-2015, 01:55 PM   #127
Full time employment: Posting here.
GTFan's Avatar
 
Join Date: Apr 2013
Location: Atlanta
Posts: 636
Quote:
Originally Posted by utrecht View Post
I'm at +2.5% which puts me tied with the SP500 which makes me very happy considering I'm at 60/40.
Same here, good validation of my 60/40 port. But I'm only 2 months into my ER.
__________________
GTFan is offline   Reply With Quote
Old 02-28-2015, 02:02 PM   #128
Full time employment: Posting here.
GTFan's Avatar
 
Join Date: Apr 2013
Location: Atlanta
Posts: 636
Quote:
Originally Posted by pb4uski View Post
I do something similar. I take my Quicken YTD return (which is an annualized return) for all my accounts except my online bank account (which is where my withdrawals come from), do the calculation you describe above but then multiply it by 94% to reflect that 6% of my nestegg is in cash. For simplicity I assume my cash earns zero even though it really earns 0.9% annually. I get 2.8% YTD.
You may or may not have seen this but UFB Direct (Bank of the Internet) has been paying 1.25% on savings accounts >$25k since last fall. On the full balance, if you deposit that much or more. They also give you 1 American Airlines mile for every $2 you spend with their checking debit card, which opens up some interesting churn opportunities.

I also have a Discover Bank account btw.
__________________
GTFan is offline   Reply With Quote
Old 03-01-2015, 10:08 AM   #129
Thinks s/he gets paid by the post
Cobra9777's Avatar
 
Join Date: Jul 2012
Location: Texas
Posts: 1,138
I'm up 2.6% YTD, vs flat at end of January. This is slightly better than the S&P 500 at 2.5%, mainly due to international holdings up 5.6% and real estate up 3.8%. Also, I mainly hold the broader US equity market which was up 2.9%. I have some large-cap, high-dividend ETFs that lag those averages at 1.4% collectively, but haven't paid any dividends yet. Overall, equities are up 3.0%, excluding real estate.

The fixed income portfolio is up 1.7%. This is higher than the broad US bond market at 1.1%, mainly due to positions in high-yield and investment-grade corporate, up 3.0% and 2.3% respectively. Even my small international bond ETF is up 1.6%.

These numbers include the effect of holding 5% cash at Ally earning 0.99%.

I should probably do some rebalancing as the AA is still 5 points high on equity and low on bonds, vs target. Just can't bring myself to buy bonds right now, and stocks appear to have some momentum left. But who knows. I might move 5% equity into a SV fund later this year, along with some bond exposure when/if rates start to go up. But probably won't buy bonds until some point after that when prices look more attractive.

Sold the last of my vested Megacorp stock options. Looking forward to the 15% tax bracket in 2016. Deployed the cash to VWO (international, emerging), so my international allocation is getting healthier, but still below target, and probably the main reason I'm lagging all the 60/40 people posting 2.8%.
__________________
Retired at 52 in July 2013. On to better things...
AA: 55% stock, 15% real estate, 27% bonds, 3% cash
WR: 2.0% SI: 2 pensions, some rental income, SS later
Cobra9777 is offline   Reply With Quote
Old 03-01-2015, 10:19 AM   #130
Dryer sheet wannabe
 
Join Date: Jan 2015
Posts: 22
I'm up 6.41% YTD, thanks to ACT & Appl mostly
__________________
valueplayer is offline   Reply With Quote
Old 03-01-2015, 08:46 PM   #131
Thinks s/he gets paid by the post
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 3,849
Quote:
Originally Posted by robnplunder View Post
If you do not check your portfolio so often, kindly ignore this thread instead of making a post to the effect of "what's the point of checking your portfolio so often?" I don't get the point of those who post in this thread only to say "I don't check my portfolio so often" when the thread's subject line is clearly for those who are interested in sharing how they are doing YTD (and hopefully, some can learn from their on-going investment strategy).
Not my thread, but, I don't mind those kinds of comments...they do convey information about an alternative thought process, which I think has some validity. So it might just be a reminder that some folks' strategy is not to bother measuring if you're not going to take action anyway (i.e. not time for a rebalance). Yes, it's counter to the idea of a thread that is talking about performance measuring.

Anyway, up 2.7% as of 2/26 (I happen to have done a post-rebalance pull). And that includes all accounts, even the ones I'm spending out of. I wrote a web page scraper to get my numbers, but still takes a few minutes to do, with all of web the logons. Then I load the result into a couple of spreadsheets, so a few more minutes. I only do IRR on the quarter boundaries because I have a very, very old spreadsheet (the origins of this sheet were originally saved as ".wk3" files). Originally fed by the quarterly paper statements. I've migrated it forward, it works, has all of my old data in it (back to 1987), so it goes on.
__________________
sengsational is offline   Reply With Quote
Old 03-01-2015, 09:08 PM   #132
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: 16,536
Quote:
Originally Posted by athena53 View Post
Mine is a little complicated because I'm now withdrawing money. I started by calculating the annualized Internal Rate of Return. In other words, what annual rate would a bank account have to pay for me to have what I do now, starting with what I had at 1/1 and given my withdrawals in the meantime?

I then took (1+ the annualized rate)^(1/6) -1 (to see what that would yield over 1/6 of the year) and got 3%. Woo-hoo! Edited to add: that's with a portfolio of 75% equities, 25% fixed income.

And if you can follow that, you're probably another geek.
I just calculate my after withdrawal return since I withdraw funds on the first of the year.

I don't annualize anything.
__________________
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 03-02-2015, 07:04 AM   #133
Recycles dryer sheets
 
Join Date: Jul 2013
Posts: 389
2.95% through the first 2 months of the year.

65/35 AA
__________________
mrfeh is offline   Reply With Quote
Old 03-02-2015, 10:09 AM   #134
Recycles dryer sheets
 
Join Date: Feb 2015
Posts: 121
My utilities holdings are getting creamed this morning. Added to: PNY, AVA, WEC, WR and LNT using some of my Vanguard free trades. As long as they keep raising the dividend, I will keep buying them.
__________________
ERTX is offline   Reply With Quote
Old 03-02-2015, 10:57 AM   #135
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,709
Quote:
Originally Posted by ERTX View Post
My utilities holdings are getting creamed this morning. Added to: PNY, AVA, WEC, WR and LNT using some of my Vanguard free trades. As long as they keep raising the dividend, I will keep buying them.
How timely a post!

Have been waiting for an entry for SO to complement a position in DUK.

Defense for the coming energy apocalypse, which will bypass the South.
__________________
target2019 is offline   Reply With Quote
Old 03-02-2015, 11:12 AM   #136
Full time employment: Posting here.
Tailgate's Avatar
 
Join Date: Jul 2013
Location: Texas
Posts: 881
2.2%
__________________
Tailgate is offline   Reply With Quote
Old 03-02-2015, 03:04 PM   #137
Recycles dryer sheets
 
Join Date: Feb 2015
Posts: 121
Quote:
Originally Posted by target2019 View Post
How timely a post!

Have been waiting for an entry for SO to complement a position in DUK.

Defense for the coming energy apocalypse, which will bypass the South.
Apocalypse, you have to have chocolate, added to my HSY position, they are really taking a beating for moving into beef jerky (something else you need for the apocalypse).
__________________
ERTX is offline   Reply With Quote
Old 03-02-2015, 03:33 PM   #138
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,709
Quote:
Originally Posted by ERTX View Post
Apocalypse, you have to have chocolate, added to my HSY position, they are really taking a beating for moving into beef jerky (something else you need for the apocalypse).
Chocolate is discretionary, even during the Apocalypse.
SJM is what the perma-Apocalyptic bears have been buying since word got out. No HSY on their (half-eaten) faces as far as I can tell.
__________________
target2019 is offline   Reply With Quote
Old 03-02-2015, 03:45 PM   #139
Moderator
Walt34's Avatar
 
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 16,579
Quote:
Originally Posted by target2019 View Post
Chocolate is discretionary, even during the Apocalypse.
My DW will argue that. Loud and long.
__________________
I heard the call to do nothing. So I answered it.
Walt34 is offline   Reply With Quote
Old 03-02-2015, 05:19 PM   #140
Recycles dryer sheets
 
Join Date: Apr 2012
Location: Seattle
Posts: 458
Our 401K switched to a new administrator which produces a chart for "Personal Performance" that excludes contributions.


So through 2/27/15: 2.77% Not great but not horrible. I like the GREEN area. Ha

401k_2_27_15.JPG
__________________

__________________
supernova72 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 03:22 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.