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 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 __________________
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06-04-2016, 12:27 PM   #362
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Join Date: Jun 2005
Posts: 9,255
Quote:
 Originally Posted by Viking 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.
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 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.
 06-04-2016, 06:05 PM #364 Moderator   Join Date: Feb 2010 Location: Northern Kentucky Posts: 11,675 YTD 3.31% which makes me feel pretty good, all things considered.
 06-04-2016, 06:33 PM #365 Recycles dryer sheets   Join Date: Jun 2015 Location: Redmond Posts: 251 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.
 06-06-2016, 09:56 AM #366 Thinks s/he gets paid by the post   Join Date: Sep 2012 Location: Seattle Posts: 2,960 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.
 06-06-2016, 09:59 AM #367 Thinks s/he gets paid by the post   Join Date: Jul 2009 Location: North Scottsdale Posts: 1,316 AA 60/40 Quicken says 4% YTD. __________________ FIRE'D in July 2009 at 51...Never look back!
 06-06-2016, 12:00 PM #368 Thinks s/he gets paid by the post   Join Date: Mar 2011 Posts: 4,958 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
06-06-2016, 09:22 PM   #369
Recycles dryer sheets

Join Date: Feb 2015
Posts: 60
Quote:
 Originally Posted by LOL! 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.)

 06-07-2016, 12:28 AM #370 Give me a museum and I'll fill it. (Picasso)Give me a forum ...   Join Date: Jul 2008 Posts: 22,237 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" -- Leon Trotsky
06-07-2016, 04:45 AM   #371
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Quote:
 Originally Posted by Viking 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.

06-07-2016, 07:17 AM   #372
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Quote:
 Originally Posted by target2019 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.

 06-07-2016, 04:07 PM #373 Recycles dryer sheets   Join Date: Jul 2008 Location: Chicago Posts: 130 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
 06-07-2016, 08:58 PM #374 Thinks s/he gets paid by the post   Join Date: Oct 2008 Location: Naples Posts: 2,177 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.
06-07-2016, 09:42 PM   #375
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Quote:
 Originally Posted by LOL! 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.

 06-07-2016, 11:28 PM #376 Give me a museum and I'll fill it. (Picasso)Give me a forum ...   Join Date: Jan 2006 Location: Rio Grande Valley Posts: 20,135 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....... __________________ Retired since summer 1999.
06-08-2016, 05:55 AM   #377
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Quote:
 Originally Posted by audreyh1 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.
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06-08-2016, 07:16 AM   #378
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Quote:
 Originally Posted by pb4uski 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.
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06-08-2016, 08:08 AM   #379
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Join Date: Jan 2007
Location: New Orleans
Posts: 41,183
Quote:
 Originally Posted by JOHNNIE36 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 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".
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06-08-2016, 08:51 AM   #380
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Quote:
 Originally Posted by pb4uski OMG, is Whoohoo a close cousin to Whee? Please don't go there.

Yes, please don't go there! LOL!
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