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Old 07-02-2016, 03:19 PM   #441
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Yes the large value + intermediate bonds portfolio has done well over the last 6 months. Better then mine which has more diversification.

I have yet to find a portfolio combination that is not beaten some percentage of the time. I have a benchmark test for myself that compares my portfolio to one based on Wellington and another with just index funds. Mine beats these benchmarks 67% of the time in the last 23 years of rolling 12 month returns. Right now it is not the winner.
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Old 07-02-2016, 03:28 PM   #442
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I must be the only one with YTD return which is roughly in line with S&P 500.


Lot of very smart/lucky people here.
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Old 07-02-2016, 03:35 PM   #443
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I'm up about 4.5% with a 50/50 equity/bond allocation. My 50% bond fraction has outperformed my 50% stock fraction.
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Old 07-02-2016, 03:40 PM   #444
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It's not me, it's my 1% AUM wealth manager dude that did it.

Blame him, it's his fault.
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Old 07-02-2016, 04:15 PM   #445
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IRR thru 6/30 = 4.7% (80% equities)
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Old 07-02-2016, 04:20 PM   #446
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Up 2.67% with roughly 42% stock/58% bonds.
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Old 07-02-2016, 04:31 PM   #447
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As of today's semi-annual review, 3.89% for the year. 85/15, with 70/30 Domestic/Int'l stock split. Mostly index funds for now.
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Old 07-02-2016, 05:14 PM   #448
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Dividends
Yield On Cost 4.44%
Current Yield 3.73%
Wellington (VWENX)2.61%
Performance Gain YTD 11.41%
Wellington (VWENX)5.06%
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Old 07-02-2016, 07:02 PM   #449
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Yes! It's amazing how a site with so many index investors has so many reporting beating the indexes.

I think many of us have balanced portfolio with significant percentage in bond funds. Bond funds have outperformed the S&P 500 index YDT. I think most of us with balanced portfolio may be outperforming the market thanks to the diversification.
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Old 07-02-2016, 07:38 PM   #450
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I never have more than 5% in bonds. With 60% equities (1/3 of that in international) and 35% in low-yielding cash, my stocks have to work hard for the portfolio to catch up with the index.

Darn, bonds have not crashed as I feared. They do however go up and down as the threat of interest rate hike by the Fed flows and ebbs. I should learn to go in/out of them to pick up a few more pennies.
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Old 07-02-2016, 08:27 PM   #451
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I am surprised he would have emerging market bonds or municipals (except for taxable ports) in his buy and hold model portfolio.

Any how, my thinking was skewed due my ports having a large cash position, and that made me attribute some of the strong results reported in the thread to brilliance or timing which clearly is not the case, so can easily see how some folks could have double digit performance. While I like dry powder, I should probably cap it at 10-15% in the future
I don't have any bonds. I'm also a little loose on some of the others, but the basics for me are to over weigh value and small cap. Luck plays a role too. I was 50% cash as Brexit hit. I gambled on waiting until the vote outcome, but the vote was called so close but then breaking on the last day seemed wrong. I jumped all in the second day. That added ~2% (INDY, FCOM, IJR, IJS, FENY, FREL, IVE and VTSMX).
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Old 07-02-2016, 11:32 PM   #452
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I'm up 10%.
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It's not me, it's my 1% AUM wealth manager dude that did it.

Blame him, it's his fault.
Man, what's his track record?

If he did it for you every year, you should be able to buy all of us lobsters FedEx'ed from Maine (if we are nice to you that is).
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Old 07-03-2016, 02:49 AM   #453
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I think many of us have balanced portfolio with significant percentage in bond funds. Bond funds have outperformed the S&P 500 index YDT. I think most of us with balanced portfolio may be outperforming the market thanks to the diversification.
It depends on your international equity exposure. If you have even a modest chunk in international stocks that may be enough to cancel out the bond outperformance.

I have to say the YTD numbers on VWINX are just jaw-dropping. Heavy bond and US centric large value tilt clearly was an advantage for the moment.
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Old 07-03-2016, 05:58 AM   #454
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DW's old 401K portfolio that we rolled to a Schwab IRA when she retired a few years ago (5?) is up 11.4% YTD.

The portfolio is small (less than $75K) and consists of 15 % cash and dividend stocks that include, MO, T, GE, ABBV, AAPL, and ABT in equal amounts. This has done surprisingly well since she started with $38K and has taken out $2 - $3K per year to help granddaughter while in college.

My accounts include:

Vanguard Solo 401K, IRA and taxable brokerage - up 6.4% YTD (div, REIT, health care index funds, and also heavy in Wellington and Wellsley)

Schwab IRA - SCHD, SCHF, MO, T, EPD, AAPL, CHSCM, 15% cash - up 4% YTD - I pull combined RMDs from this yearly.

PenFed IRA - 100% 3% CDs

I own only about 5% emerging market/international securities in this mix. Good thing.
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Old 07-03-2016, 06:05 AM   #455
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Up 6.6% total return YTD. 100% CDN dividend paying equities. All taxable. Was about 9% until Brexit.
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Old 07-03-2016, 06:17 AM   #456
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Wow, a lot of good YTD gains. Most of us are beating the market. I am impressed. Let's keep it up.
Agree. I have outperformed the market by an average of 3-4% per year since I started investing in 1997. Wasn't difficult just had to be very lucky. Downside is I have never been sufficiently diversified. For the first 15 years basically just owned CDN banks. More diversified now but still not enough. Certainly wouldn't recommend this approach and in fact hesitate to even mention it. Better lucky than smart any day!!
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Old 07-03-2016, 06:18 AM   #457
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I was 50% cash as Brexit hit. I gambled on waiting until the vote outcome, but the vote was called so close but then breaking on the last day seemed wrong. I jumped all in the second day. That added ~2% (INDY, FCOM, IJR, IJS, FENY, FREL, IVE and VTSMX).
Good move. I waited a bit too long as I was anticipating a few more days of the downdraft.
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Old 07-03-2016, 11:14 AM   #458
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Agree. I have outperformed the market by an average of 3-4% per year since I started investing in 1997. Wasn't difficult just had to be very lucky. Downside is I have never been sufficiently diversified. For the first 15 years basically just owned CDN banks. More diversified now but still not enough. Certainly wouldn't recommend this approach and in fact hesitate to even mention it. Better lucky than smart any day!!
You might look at XIU for easy CDN diversification with low MER fee.
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Old 07-03-2016, 11:35 AM   #459
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You might look at XIU for easy CDN diversification with low MER fee.
Hard to switch as cap gains are high 7 figures. Have been switching out a bit at a time, paying the tax while preserving div cash flow.
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Old 07-03-2016, 01:58 PM   #460
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Agree. I have outperformed the market by an average of 3-4% per year since I started investing in 1997. Wasn't difficult just had to be very lucky. Downside is I have never been sufficiently diversified. For the first 15 years basically just owned CDN banks. More diversified now but still not enough. Certainly wouldn't recommend this approach and in fact hesitate to even mention it. Better lucky than smart any day!!
I have been lucky too, at times. But it's just not consistent.
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