2015 YTD investment performance thread

[audreyh1]

Down 3.75% YTD as of 9/30. How depressing!

 

[NW-Bound]

Depressing with a mere -3.75% return?

I think ERs have been spoiled the last few years, when our stash grew faster than what we withdrew to spend. Can we really expect that to last forever?

Time to pay the piper, my lady.

 

[audreyh1]

Depressing with a mere -3.75% return?

I think ERs have been spoiled the last few years, when our stash grew faster than what we withdrew to spend. Can we really expect that to last forever?

Time to pay the piper, my lady.

Yes, I admit, we have been spoiled!

 

[braumeister]

-2.8% YTD
Not pretty, but pretty much in line with others.

 

[Cobra9777]

Down 2.2% YTD, which I believe is slightly better than most 60/40 benchmarks.

The Good: Real estate... steady income from 2 rentals, and values are up.
The Bad: High-dividend tilt in equity. High-yield mix on the bond side.
The Ugly: Emerging.

 

[Happyras]

Since I am still getting a pay check, I have to back out all contributions saved from 401k, HSA, and employer match. As of today, we are down 1.08% since Dec 31 2015. July 1 we made a move for a broader asset allocation which limited the downside, a little, but also limits the upswings. If we remained invested like we were at the beginning of the year, we would be down about 3.5% with fees. The jury is still out as we continue to evaluate the change in investment management, but it looks like moving to owning individual well rated equities, and alternatives works well in this market. Also, going from paying 1.2%/yr in adviser fees to 0.45%/yr helped as well. For those Bogle heads out there, I am also tracking performance on two allocations of low cost funds with no adviser fee. Those models are showing YTD drop of 2.3 to 2.9%. The Peter Maluk "Creative Planning" allocation model shows a similar performance (assuming it was untouched since May) we would be down about 3.0% YTD with a .25% management fee/qtr. The markets were up >1.4% today which may account for some more upside than earlier reported by others today.

 

[braumeister]

going from paying 1.2%/yr in adviser fees to 0.45%/yr helped as well

It's so great to see people who have gotten the message.

 

[Happyras]

As of today, we are down 1.08% since Dec 31 2015.

Make that 2014

 

[sengsational]

I'm down 5.3% since as of 9/30. A bit sad, but this makes me appreciate when prices rise.

 

[Greg V]

Down 2.57% as of Oct 1.

 

[audreyh1]

Down 3.75% YTD as of 9/30. How depressing!

Oops - I was wrong. Was down 3% YTD on 9/30. Forgot to input a transfer.

And a couple of days later (10/2) only down 2.15%. Not quite so depressing. But maybe I just jinxed things!

 

[NW-Bound]

... The markets were up >1.4% today which may account for some more upside than earlier reported by others today.

It surely did.

As of market close yesterday, I am down 5.7% YTD after adjusting for withdrawal...

Make it -4.7%YTD as of market close on Oct 2. I picked up a bit more than 1% today, which is about right for 60% stock AA.

 

[Dreaming of Freedom]

It is a pain to calculate the average investment performance of all of our accounts, but my two main retirement accounts are down 4.1% together. They are about 97% equities. My boyfriend's accounts are down a little more despite the fact that he has a lot more cash and bonds than I do. Time to fire his FA and take it over myself.

Looking at the bigger picture of the race to FIRE, our savings is where it was at the first of the year which doesn't seem so bad to me. Plus, I love it when everything is on sale. I might not feel the same way once we are retired though.

 

[prototype]

Total portfolio down 4.33% as of 9/30. Includes withdrawals/spending which was about 1.5% of the 4.33%.

Overall allocation of various "buckets" 52/43/5.

 

[jfn111]

My main account is up 2.92 percent YTD. I have been sitting at 35-65 put started putting more into equities so I'm now at 40-60 working towards 50-50.

 

[pb4uski]

Down 4.7% (current balance compared to beginning of year balance)... but 1.8% of the reduction is due to YTD withdrawals for living expenses (divided by beginning of year balance) and the remaining 2.9% is due to market movements.

Also, these numbers exclude YTD dividends received in cash, which are about .4% of the beginning of year balance.

So net, I figure a YTD loss of ~2.5% relating to investment performance which seems right because the YTD Quicken Investment Performance Report annualized loss is 3.3% and 3/4 of that is 2.5%. Since I expect down years every once in a while, no worries.

 

[Asher Aion]

Down 5.4% from the all time high mark. I'm no longer accumulating but plan to have another 12 months before withdrawals start.

 

[Corporateburnout]

Since I expect down years every once in a while, no worries.

I'm with you. After 6 years of positive returns for the S&P 500 it is expected to have a down year or two but hopefully not too many in a row otherwise I will have to switch to trader Joe's "two buck chuck" wine instead of "Chateau Saint Michel".

 

[W2R]

I'm down 6.9%.

Wait! Hold the phone. The market went up a bit yesterday, and I had forgotten to include some dividends that came in late. So.... I'm only down 6.2% when comparing my total portfolio value today with my total portfolio value at the beginning of the year.

That drop includes market drop, living expenses to date, and all other expenses including those associated with buying my Dream House in cash and moving, selling my old house, etc.

The financial impact of buying the house and moving was not nearly as bad as I feared. Whew.

 

[calmloki]

We wanted to get our rental property taxes paid before leaving leaving Oregon for SoCal. Paid a bunch, but according to the tax man our Real Market Value on the places is up about 6.25%. Pretty meaningless unless we were able to sell the places all to the tax man today, but the properties are our primary investment... Our stock market holdings, not so good..

 

[Whisper66]

Down -5.6% for 3Q, down -7.6% YTD.

Being heavy into energy stocks was the main drag on the return. Don't feel too bad about it as oil prices seem to be rebounding a bit which should help with 4Q if it continues.

 

[Going Sailing]

Up 6.6% with 85% equities. And pretty much all of that is because my account is Canadian but the bulk of my holdings are international. The CDN$ went with the price of oil. So I feel pretty good until I realize the boats I want to buy all seem to be about 25% more expensive...

 

[Fedup]

Up 5.81% but I'm all in cash for now.


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[W2R]

Down 4.8% YTD, including portfolio decreases for Dream House cash purchase, moving, and all other expenses. I'm pleased.

 

[papadad111]

Total return -6.7 % from the high water mark.

Comparison to SP500 -5.6 from its high of 2131. Excluding dividends.