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Old 03-31-2016, 06:57 PM   #261
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I'm not sure I'm doing it right but pb4uski's calculator says - 8.9% Quicken says 9.29%. But I get easily confused when using these calculators so who knows?
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Old 03-31-2016, 07:06 PM   #262
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I'm finally out of the red at +0.6% wish it were better but hey, at least we're in the green...for now. Thanks yellen.
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Old 03-31-2016, 08:18 PM   #263
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Up 3.9% YTD as of March 31.

Asset allocation = 87% Equities / 13% cash & bonds
Calculation method = Four Pillars of Investing ( Investment Return Calculator: Measure your Portfolio's Performance )
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Old 03-31-2016, 08:44 PM   #264
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0.84% YTD. 87% Equities/13% Bonds
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Old 03-31-2016, 08:46 PM   #265
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Up 1.71% on all my investments. 1/2 of the gain is from short term trades. It continues to outperform the market. The big loser is DODFX, an international stock fund. It is down 4.4%. My 1st full year in retirement and the investment gain YTD is > money spent. Up $15k in total asset after 3 months.
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Old 04-01-2016, 05:50 AM   #266
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+3.73% YTD, no additions or withdrawals.
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Old 04-01-2016, 06:05 AM   #267
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Up 1.2% YTD before deposits. 68% equities.
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Old 04-01-2016, 08:19 AM   #268
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2.93% twrr.
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Old 04-01-2016, 04:09 PM   #269
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2.67% xirr
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Old 04-01-2016, 04:17 PM   #270
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I am still at -2% somehow. Mostly due to the POT and JAZZ.
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Old 04-02-2016, 04:07 AM   #271
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up 1% , yeah
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Old 04-02-2016, 09:12 AM   #272
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For my husband's account, it's up 11.86% for 3 months. It doesn't seem real.


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Old 04-02-2016, 09:42 AM   #273
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Up 1.86% after withdrawals.

Comparison between accounts:
401k +2.05%
After tax port +1.93%
Annuity -1.43
IRA managed by FA +0.99%


Well at least the FA is performing better than an annuity
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Old 04-02-2016, 09:54 AM   #274
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Wow - up 1.1% YTD!

(not annualized - I never do annualized for sub-year performance)
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Old 04-02-2016, 11:05 AM   #275
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Equity/Fixed/Cash 70/25/5 portfolio is up 6.61% YTD. That includes April Fools Day, of course.

32% weight to Utilities and Telecom.
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Old 04-02-2016, 11:14 AM   #276
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It appears some are giving YTD figures and others YTD annualized figures. Makes a big difference, especially this early in the year!
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Old 04-02-2016, 11:32 AM   #277
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Quote:
Originally Posted by youbet View Post
It appears some are giving YTD figures and others YTD annualized figures. Makes a big difference, especially this early in the year!
I have totally given up figuring out what is consistent with others on this thread so I haven't said much in the thread lately. It's just too much for my little pea brain.

However, I am really happy with the market rebound! The total sum of my investments plus bank accounts right now, is more than it was two and a half years ago. This is despite purchasing and improving my dream house in the meantime. (Sssh!!! I will just ignore the fact that the Dow has risen 17% during this time.)

While my observations above most definitely have nothing to do with the figure that is asked for, by any means, all of this puts a big smile on my face so I thought I'd just mention it.
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Old 04-02-2016, 11:49 AM   #278
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[( Investment Return Calculator: Measure your Portfolio's Performance )[/QUOTE]

Quote:
Originally Posted by youbet View Post
It appears some are giving YTD figures and others YTD annualized figures. Makes a big difference, especially this early in the year!
You are probably right about this: So, as long as I'm using it, I would like to use the Investment Return Calculator correctly:

Let's say the months elapsed: 3. The amount started and the amount ended is: whatever numbers are easily understood as examples.

Then perhaps another example (for those whom aspire to the more advanced level) numbers can be included for total withdrawals and total added +dividends.

I think a walk-through would be helpful for the 2 or 3 of us whom don't quite get it.

Anybody
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Old 04-02-2016, 12:32 PM   #279
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I understood the thread to be asking for simple YTD yield. That is simply taking the increase or decrease to date since 12/31/2015 (after accounting for additions or withdrawals) divided by the 12/31/2015 balance. That's what I did.

Thanks for posting the link redduck. That gives annualized yield if you enter the number of months into the year. It gives simple YTD return (not annualized) if you leave the default as 12.
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Old 04-02-2016, 12:44 PM   #280
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Yes, but the question is how one should account for the addition or withdrawal. One can withdraw all expenses of the period at the beginning of the period or at the end, and it makes a difference; in a bear market, it is better to get the needed cash out of harm's way, and in a bull market one should leave it invested till the last minute. So, the math has to match the time of withdrawal.

I make periodic withdrawals through the year as I need it. Then, on this thread a formula was suggested that basically assumes 1/2 of the WR at the beginning, and 1/2 at the end, instead of mathematically accounting for the numerous and periodic installments. See post #164 by pb4uski. This turns out to match the periodic withdrawal scenario the best, without using the golden-standard XIRR. See my post at #172.

So, if you do not make periodic withdrawals or deposits but in one lump sum, this formula will not work well for you.

PS. I now see that redduck referred to the same link provided by pb4uski.
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