Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 07-25-2016, 01:04 PM   #481
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: 14,598
Quote:
Originally Posted by audreyh1 View Post
As of 6/30/16 up 2.57%.

Not as good as a month ago, when I single-handedly jinxed the markets. Back to levels seen earlier this year.
Well, I really don't want to jinx the markets again.....
__________________

__________________
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
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 07-25-2016, 01:46 PM   #482
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 18,363
Quote:
Originally Posted by audreyh1 View Post
Well, I really don't want to jinx the markets again.....
Goood! We are all in the same boat, so don't rock it.
__________________

__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leon Trotsky
NW-Bound is offline   Reply With Quote
Old 07-25-2016, 02:32 PM   #483
Thinks s/he gets paid by the post
 
Join Date: May 2014
Location: Utrecht
Posts: 1,909
I'll go then ..

Index trackers: +5.3%
Individual portfolio: +20.8%

Now I only have to remember to stay away in september.
__________________
Totoro is offline   Reply With Quote
Old 07-29-2016, 06:15 PM   #484
Thinks s/he gets paid by the post
robnplunder's Avatar
 
Join Date: Nov 2013
Location: Bay Area
Posts: 2,040
Up 7.4% at the end of July, on par with S&P 500 index. I will be happy if market ends the year like this. My winner is FNMIX (+13.5%), and the loser is DODFX (+1.3%). My short term trades are still outperforming the market but not by much. Market being all time high, I have been reluctant to buy. When I don't buy, I can't sell and make money.
__________________
Pura Vida
robnplunder is offline   Reply With Quote
Old 07-29-2016, 09:35 PM   #485
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: 14,635
7.18% YTD using XIRR. Moneychimp calculator was 7.09%, so pretty close.

Emerging market equities and bonds have been strong albeit it not a huge part of my allocation, and investment grade bonds have been poor performers (but still positive).

Quote:
Originally Posted by pb4uski View Post
4.49% YTD.... my calculation got a bit more complicated this month in that I did a big withdrawal in June for the condo we bought so I did a XIRR calculation.

However, the Investment Return Calculator: Measure your Portfolio's Performance is pretty similar at 4.43%

40% domestic stocks/20% international stocks/28% domestic bonds/7% international bonds/5% cash
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
Old 07-30-2016, 06:49 AM   #486
Dryer sheet aficionado
 
Join Date: May 2014
Posts: 25
UK Investor. Up 12.6% YTD. A big positive of the recent increases is that it pushed me over the FI line 2 weeks ago. In total my journey took me 8.7 years.

Now I just need to clean up a few loose ends for a Mediteranean FIRE while hopefully avoiding OMY. I should be FIRE'd at age 44 and am so looking forward to the next part of my journey.
__________________
GenghisKhan is offline   Reply With Quote
Old 07-30-2016, 07:01 AM   #487
Full time employment: Posting here.
 
Join Date: Jun 2016
Posts: 931
7.1% as of this morning. REITs, large cap value, emerging market bonds and high yield muni bonds still the leaders in my portfolio. All the sources of higher yield. Imagine that. The next rate hike will probably take a haircut off of most of these groups.
Under performers: large cap growth, balanced funds.
__________________
COcheesehead is offline   Reply With Quote
Old 07-30-2016, 07:04 AM   #488
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,462
YTD - End of July 2016 - three views of our investments:

1. New 401k, with 1 fund:
  • Personalized Rate of Return 15.07%, RNWEX - MSCI ACWI Ex US

2. +7.68% - all investments w/new additions, so not IRR.

3. Long Range Perspective: 10 yr Views from Vanguard 7/1/2006 through 7/29/16 (IRR)
  • +5.1% - all retirement accounts
  • +3.5% - SEP-IRA
  • +9.1% - Roth accounts
__________________
target2019 is offline   Reply With Quote
Old 07-30-2016, 07:26 AM   #489
Full time employment: Posting here.
 
Join Date: Sep 2012
Posts: 798
+10.44% thru end of July. 70-25-5 allocation. Outperformance primarily due to gold positions,although gold is only about 6% of brokerage assets, even with appreciated value.

We have additional 15% of assets not in brokerage acct held in CD's & savings earning just above nuthin.
__________________
Nothing to do, all day to do it, never get it done.
gcgang is offline   Reply With Quote
Old 07-30-2016, 07:50 AM   #490
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 18,363
6.75% YTD, when withdrawal is accounted for.

AA right now: 50% equities, 5% bonds, 45% cash. 1/4 of the equities in international.
__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leon Trotsky
NW-Bound is offline   Reply With Quote
Old 07-30-2016, 07:56 AM   #491
Recycles dryer sheets
 
Join Date: Jan 2012
Posts: 232
YTD (+)4.63% All accounts. AA=90/10 (Stocks/Bonds)
working on changing the AA to 65/30/5 by June 2017 with addition of new money.
__________________
Rickt is offline   Reply With Quote
Old 07-30-2016, 07:59 AM   #492
Recycles dryer sheets
 
Join Date: Jan 2015
Posts: 96
I'm happy with a 7.4% gain on 57/24/18 split.
__________________
Wisdom starts with wonder
KCGeezer is offline   Reply With Quote
Old 07-30-2016, 08:02 AM   #493
Recycles dryer sheets
 
Join Date: Sep 2012
Posts: 381
6.3% End of July. AA 65/35(EQ/FI)
__________________
Retired at age 52 on 12/1/2016
AA:60/40 WR:3% until 2022 then 4% is the plan
retire2020 is offline   Reply With Quote
Old 07-30-2016, 08:40 AM   #494
Thinks s/he gets paid by the post
 
Join Date: Sep 2012
Location: Seattle
Posts: 2,509
I think we are up about 6% to 7% like the rest of you but I look back on this year with some regret as far as the missed opportunity in the mining company bonds I owned. In Jan of this year the 12.5% coupon bonds maturing in 2019 were selling for 18.5% of par and paying two payments per year. Last month the company was purchased and part of the purchase agreement was to pay the bonds in full, 100% of par, plus accrued interest.

A $200,000 investment in Jan of this year would be today worth over $1,000,000. And it was not even terribly risky since the company had excess assets to cover the bonds in event of an eventual liquidation event (which probably would not have occurred until you had received several interest payments mostly covering your entire investment).

I can find the deals I just have a problem trusting myself.
__________________
Fermion is offline   Reply With Quote
Old 07-30-2016, 09:09 AM   #495
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Mulligan's Avatar
 
Join Date: May 2009
Posts: 6,945
Quote:
Originally Posted by Fermion View Post
I think we are up about 6% to 7% like the rest of you but I look back on this year with some regret as far as the missed opportunity in the mining company bonds I owned. In Jan of this year the 12.5% coupon bonds maturing in 2019 were selling for 18.5% of par and paying two payments per year. Last month the company was purchased and part of the purchase agreement was to pay the bonds in full, 100% of par, plus accrued interest.

A $200,000 investment in Jan of this year would be today worth over $1,000,000. And it was not even terribly risky since the company had excess assets to cover the bonds in event of an eventual liquidation event (which probably would not have occurred until you had received several interest payments mostly covering your entire investment).

I can find the deals I just have a problem trusting myself.


I see a post reflecting investment regret. My interpretation of your post is different. I see one who takes measured controlled risk and does not put undue risk of ones portfolio and lifestyle. Sounds like you are doing great to me!


Sent from my iPad using Tapatalk
__________________
Mulligan is offline   Reply With Quote
Old 07-30-2016, 09:20 AM   #496
Full time employment: Posting here.
Cobra9777's Avatar
 
Join Date: Jul 2012
Location: Texas
Posts: 935
As of Friday's close (end of July), we are up 8.7% YTD. I get the same answer using XIRR, moneychimp calculator, and using M* YTD total return for each ETF mix-weighted on current value. This latter metric allows more effective analysis than anything done at the total portfolio level.

My benchmark is a 60/40 mix of VTI/BND, which is up 7.1% YTD. Our equity side is up 9.2% vs VTI at 7.8%. This is driven primarily by some high-dividend ETFs (VYM and others) and to a lesser extent by a small emerging market position (VWO). The bond side is up 7.5% vs BND at 6.1%. This results from corporate bond ETFs LQD (investment grade) and HYG (high yield).

The 8.7% figure excludes rental real estate and cash. Cash allocation is currently 3% and earning 1% at Ally. Our rentals are currently 16% of the portfolio and generate 6% after-tax cashflow and, according to Zillow, have increased in value by 17.7% YTD.

Nice year so far. We'll see if it holds up.
__________________
Retired at 52 in July 2013. On to better things...

AA: 45% stock, 35% bonds, 15% real estate, 5% cash
Cobra9777 is offline   Reply With Quote
Old 07-30-2016, 09:40 AM   #497
Moderator
Alan's Avatar
 
Join Date: Jul 2005
Location: Eee Bah Gum
Posts: 20,060
XIRR 7.23%

aa 40/50/10
__________________
Retired in Jan, 2010 at 55
Now it's adventure before dementia
Alan is offline   Reply With Quote
Old 07-30-2016, 09:45 AM   #498
Recycles dryer sheets
 
Join Date: Feb 2015
Posts: 60
8.15% YTD. Same calculation methodoogy as last month

I've discovered (thanks Brexit) that I no longer have the stomach for volatility that I had in my younger years, so portfolio mix has been adjusted to 40/55/5 S/B/C. Still, I'm happy with this return, especially compared to last year's losses.

Good news for the month is that DW has formally announced her retirement and is completing the paperwork for a late November retirement.

We're on track for leaving our sub-arctic abode for Vancouver Island in the spring!
__________________
Viking is offline   Reply With Quote
Old 07-30-2016, 09:56 AM   #499
Recycles dryer sheets
 
Join Date: Oct 2012
Location: Reno
Posts: 432
5.4% (60/27/13 S/B/C)
I'll take it, gladly.
Emerging and small cap stocks finally have outperformed and high-yield recovered.
__________________
RobLJ is offline   Reply With Quote
Old 07-30-2016, 11:53 AM   #500
Thinks s/he gets paid by the post
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 3,258
I only do IRR quarterly. The "all included" investable and invested [(Jan01-Jul30+YTDSpend)/Jul30] is 7.12%. We must celebrate these times because we all know that we feel the pain of losses more than the joy of the gains. This too will pass.
__________________

__________________
sengsational 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 04:02 PM
2015 YTD investment performance thread robnplunder FIRE and Money 689 01-21-2016 06:28 AM
YTD Performance Poll 4merKPer FIRE and Money 98 08-09-2011 11:09 AM
YTD 2006 investment Sam FIRE and Money 84 12-04-2006 12:39 PM

 

 
All times are GMT -6. The time now is 01:51 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.