Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 06-04-2016, 11:29 AM   #361
Dryer sheet wannabe
 
Join Date: Apr 2012
Location: California
Posts: 22
YTD 3.17% for taxable, 5.1% 401k/Ira accounts as of 6-4


Sent from my iPad using Early Retirement Forum
__________________

__________________
Hangingitup 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 06-04-2016, 12:27 PM   #362
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 7,875
Quote:
Originally Posted by Viking View Post
8.69% YTD, XIRR. Eked out another small gain in May.

AA = 50/45/5 S/FI/C.
I was reading on bogleheads.org about the difficulty folks are having with getting XIRR to give legit YTD numbers. This 8.69% looks like an APR and not a YTD:

Quote:
Thank you for the clarification Renue74. XIRR does work but produces an APR so to produce YTD you have to use the following formula to convert back.

(1+YTD)^(n/365)-1 where YTD is the XIRR result and n = number of days.

Here is a link to another spreadsheet I found which may be helpful:
http://www.gummy-stuff.org/Excel/XIRR.xls

~Moshe
Another way to do the same thing is to make sure to have a date 12/31/2016 for the current value of the portfolio, so that the date range is a full year.
__________________

__________________
LOL! is offline   Reply With Quote
Old 06-04-2016, 12:33 PM   #363
Dryer sheet aficionado
 
Join Date: Apr 2016
Posts: 27
Up 14.32% ytd including dividends. Portfolio of about 38 divvy growth stocks.
__________________
CabinLifeAt50 is offline   Reply With Quote
Old 06-04-2016, 06:05 PM   #364
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
braumeister's Avatar
 
Join Date: Feb 2010
Posts: 6,718
YTD 3.31% which makes me feel pretty good, all things considered.
__________________
braumeister is offline   Reply With Quote
Old 06-04-2016, 06:33 PM   #365
Recycles dryer sheets
Happyras's Avatar
 
Join Date: Jun 2015
Location: Redmond
Posts: 129
We are up 5.25% ytd using a 50/50 Wellesley Wellington split, a little target date fund, and some derivative bond allocation. Essentially a 53/47 split. Fairly low volatility. We are considering changing our sequence of return risk by introducing a Paul Merriman allocation strategy for 50% of our investments going forward for the next 5 years targeting a historical standard deviation of 7% due to correlation across the various funds with a little higher debt exposure. I am curious if anyone else is using any of Paul's strategy in whole or in part. Our current allocation has done well but due to lack of diversification, we may have too much exposure to US LCV and not enough foreign. The unemployment number was spot on with my own belief in the US economy status which is why we held on with the bond exposure. Folks smarter than I, or more connected, with significantly more wealth are invested in muni bonds.
__________________
Happyras is offline   Reply With Quote
Old 06-06-2016, 09:56 AM   #366
Thinks s/he gets paid by the post
 
Join Date: Sep 2012
Location: Seattle
Posts: 2,408
Sold all of my junk bonds today. They were paying 12.5% interest and I bought most of them at 20% to 30% of par. Today I got 58% of par for them.

That one account (IRA) is up 184% YTD and is pulling up our total portfolio return by some 5% YTD.
__________________
Fermion is offline   Reply With Quote
Old 06-06-2016, 09:59 AM   #367
Thinks s/he gets paid by the post
RockyMtn's Avatar
 
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,116
AA 60/40 Quicken says 4% YTD.
__________________
FIRE'D in July 2009 at 51...Never look back!
RockyMtn is offline   Reply With Quote
Old 06-06-2016, 12:00 PM   #368
Thinks s/he gets paid by the post
 
Join Date: Mar 2011
Posts: 3,031
5.56% as of Friday.

Considering that the first two months of the year were horrific, a nice rebound, IMO.
__________________
Living well is the best revenge!
Retired @ 52 in 2005
marko is offline   Reply With Quote
Old 06-06-2016, 09:22 PM   #369
Dryer sheet aficionado
 
Join Date: Feb 2015
Posts: 44
Quote:
Originally Posted by LOL! View Post
I was reading on bogleheads.org about the difficulty folks are having with getting XIRR to give legit YTD numbers. This 8.69% looks like an APR and not a YTD:
Despite what you think it looks like, this is not an APR number. I actually used the BogleheadsReturns.xls worksheet, which is close enough to IRR to not quibble about the differences. The spreadsheet is simple enough to use. Then again, I am a CPA, so I know a thing or two about spreadsheets.

I'm also not invested to any great extent in the US. If I was, my returns would be negative due to the strong increase in the CAD vs. USD this year. (I sold my US holdings on Jan 8 for a tidy gain. Maybe I should have put that in your market timing thread.)
__________________
Viking is online now   Reply With Quote
Old 06-07-2016, 12:28 AM   #370
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 17,046
Counting from 12/31/2015 to today, 6/6/2016, I am up 5.01%.

That's not bad for an AA of 48% US stocks, 16% foreign stocks, 6% bonds, and 30% cash.

It also compares well with S&P of 4.19%, and BND (total bond fund) of 3.97%, all dividends included.

Wellesley is up 6.11%, and Wellington 4.83%. Both beat a straight blend of S&P and BND.
__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leo Tolstoy
NW-Bound is offline   Reply With Quote
Old 06-07-2016, 04:45 AM   #371
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,178
Quote:
Originally Posted by Viking View Post
Despite what you think it looks like, this is not an APR number. I actually used the BogleheadsReturns.xls worksheet, which is close enough to IRR to not quibble about the differences. The spreadsheet is simple enough to use. Then again, I am a CPA, so I know a thing or two about spreadsheets.

I'm also not invested to any great extent in the US. If I was, my returns would be negative due to the strong increase in the CAD vs. USD this year. (I sold my US holdings on Jan 8 for a tidy gain. Maybe I should have put that in your market timing thread.)
You make good points. If I examine my 401k, which holds only RNWEX (EM worldwide companies), the Personalized Rate of Return since 01/01/2016 is 9.67%. Investments do rebound, but this number surprises me quite a bit.
__________________
target2019 is offline   Reply With Quote
Old 06-07-2016, 07:17 AM   #372
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 7,875
Quote:
Originally Posted by target2019 View Post
You make good points. If I examine my 401k, which holds only RNWEX (EM worldwide companies), the Personalized Rate of Return since 01/01/2016 is 9.67%. Investments do rebound, but this number surprises me quite a bit.
Great market timing on that one! M* says that a person who held only RNWEX so far in 2016 is up 2.99% through 6/6/2016 (it did lose 10% in the first 3 weeks of the year).

@Viking, thanks for the comment, clarification and the mention of currency effects.
__________________
LOL! is offline   Reply With Quote
Old 06-07-2016, 04:07 PM   #373
Dryer sheet aficionado
 
Join Date: Jul 2008
Location: Chicago
Posts: 36
YTD 9.2% with AA of 14/15/51/20 bonds/cash/us stocks/foreign stocks
__________________
____________________________________________
Retired 4/30/16 at age 59
"If things go wrong, don't go with them" -Roger Babson
Doribe is offline   Reply With Quote
Old 06-07-2016, 08:58 PM   #374
Thinks s/he gets paid by the post
 
Join Date: Oct 2008
Posts: 2,134
I never look at the return. I have it all in Wellesley Admiral. I don't even know where to find the return number on the chart. What would I do about it anyway? Switch to CD's at some measly 1.9%? The only time I take anything out is for the RMD. What ever is here is for the kids when I kick the bucket. Someone tell me where to find the return number, please.
__________________
JOHNNIE36 is offline   Reply With Quote
Old 06-07-2016, 09:42 PM   #375
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,178
Quote:
Originally Posted by LOL! View Post
Great market timing on that one! M* says that a person who held only RNWEX so far in 2016 is up 2.99% through 6/6/2016 (it did lose 10% in the first 3 weeks of the year).

@Viking, thanks for the comment, clarification and the mention of currency effects.
Timing is every two weeks.
__________________
target2019 is offline   Reply With Quote
Old 06-07-2016, 11:28 PM   #376
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: 13,612
Whoohoo - banner day! Our portfolio finally grew enough to replenish the Jan 1 withdrawal. I always feel like celebrating when that happens.

Of course, it can go right back down again and undo all that hard work.......
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is online now   Reply With Quote
Old 06-08-2016, 05:55 AM   #377
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: 13,729
Quote:
Originally Posted by audreyh1 View Post
Whoohoo - banner day! Our portfolio finally grew enough to replenish the Jan 1 withdrawal. I always feel like celebrating when that happens.

Of course, it can go right back down again and undo all that hard work.......
OMG, is Whoohoo a close cousin to Whee? Please don't go there.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
Old 06-08-2016, 07:16 AM   #378
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: 13,612
Quote:
Originally Posted by pb4uski View Post
OMG, is Whoohoo a close cousin to Whee? Please don't go there.
Absolutely not!!!

Unfortunately, our net worth is still well below a year ago, and the portfolio hasn't recovered from the 2015 withdrawal yet.
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is online now   Reply With Quote
Old 06-08-2016, 08:08 AM   #379
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 35,772
Quote:
Originally Posted by JOHNNIE36 View Post
I never look at the return. I have it all in Wellesley Admiral. I don't even know where to find the return number on the chart. What would I do about it anyway? Switch to CD's at some measly 1.9%? The only time I take anything out is for the RMD. What ever is here is for the kids when I kick the bucket. Someone tell me where to find the return number, please.
The return on Wellesley Admiral YTD is 6.36%, according to Vanguard! Pretty cool.
Quote:
Originally Posted by audreyh1 View Post
Whoohoo - banner day! Our portfolio finally grew enough to replenish the Jan 1 withdrawal. I always feel like celebrating when that happens.
That's terrific! Mine is doing wonderfully compared with Jan 1st as well.

For once I'm glad I didn't "Sell in May and go away".
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harborless immensities.
- - H. Melville, 1851.

W2R is online now   Reply With Quote
Old 06-08-2016, 08:51 AM   #380
Thinks s/he gets paid by the post
simple girl's Avatar
 
Join Date: Sep 2006
Posts: 2,375
Quote:
Originally Posted by pb4uski View Post
OMG, is Whoohoo a close cousin to Whee? Please don't go there.


Yes, please don't go there! LOL!
__________________

__________________
simple girl
less stuff, more time

(48, married; DH 52. 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 will fully retire 2018 when he turns 55 to access 401K penalty-free)
simple girl 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
My 2016 Work Performance Goal: Retire in June 38Chevy454 Life after FIRE 30 05-05-2016 05:02 PM
2015 YTD investment performance thread robnplunder FIRE and Money 689 01-21-2016 07:28 AM
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

 

 
All times are GMT -6. The time now is 10:30 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.