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03-19-2016, 08:23 PM
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#221
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Thinks s/he gets paid by the post
Join Date: Jul 2013
Posts: 1,046
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According to Personal Capital my YTD is:
You Index™ 79-DAY
1.21%
vs.
S&P 500 79-DAY
0.28%
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03-19-2016, 08:38 PM
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#222
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Moderator
Join Date: Nov 2014
Posts: 9,179
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I just broke even for the year. My YTD is .55%. Feeling a lot better than I did in January.
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03-20-2016, 06:22 AM
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#223
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Recycles dryer sheets
Join Date: Mar 2010
Location: Poway, CA
Posts: 441
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Quote:
Originally Posted by utrecht
Im +1/2% YTD but what I really love is that my bonds are up 3.2% YTD. They were also up last year even though we've had multiple threads the last few years and "experts" have been saying for years that they will get crushed.
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+1 exactly right. The great up and coming interest rate hike that wasn't. We're up about 6% from a low just a few months ago, and the bonds have played a big role in this. Particularly the long term bonds.
Sent from my Nexus 4 using Early Retirement Forum mobile app
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03-20-2016, 06:35 AM
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#224
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Thinks s/he gets paid by the post
Join Date: May 2014
Location: Utrecht
Posts: 2,650
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I did seem to miss a big jump in corporate bond pricing, is that correct?
Talking specifically about VCIT, yield there is 3.46%. Sort of my reference for the bond market.
https://personal.vanguard.com/us/fun...FundIntExt=INT
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03-20-2016, 07:18 AM
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#225
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Recycles dryer sheets
Join Date: Jan 2012
Posts: 442
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+0.2% YTD
85/15 (Stocks/Bonds)
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03-20-2016, 08:05 AM
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#226
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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I am even for the year, wish it was more positive, but I'll take it.
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03-20-2016, 08:15 AM
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#227
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Recycles dryer sheets
Join Date: Nov 2005
Posts: 165
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Overall, I am at 1.47% as of 18 March. The funny part is my annual contribution for my Roth IRA was received on 4 Jan and re-balanced the same day. The rest of the accounts I re-balanced at the end of 2015. That Roth IRA account is at 2.02%. Amazing what a few days waiting to re-balance can do.
75/25 portfolio with 36% in overseas assets.
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03-20-2016, 09:26 AM
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#228
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2008
Posts: 5,214
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About +1.50% as of March 18. A sigh of relief...
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03-20-2016, 09:58 AM
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#229
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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Quote:
Originally Posted by trixs
Overall, I am at 1.47% as of 18 March. The funny part is my annual contribution for my Roth IRA was received on 4 Jan and re-balanced the same day. The rest of the accounts I re-balanced at the end of 2015. That Roth IRA account is at 2.02%. Amazing what a few days waiting to re-balance can do.
75/25 portfolio with 36% in overseas assets.
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4 Jan was relatively big down day for the US markets: down more than 1.5%, so anybody who started investing on 4 Jan will always be doing better YTD by about 1.5% in their stock portion of their portfolio.
I'd say it was more about market timing than it was about rebalancing.
It's amazing what missing a one-day 1.5% drop can do for a portfolio. And there were many such opportunities so far in 2016.
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2016 YTD investment performance thread
03-20-2016, 10:06 AM
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#230
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gone traveling
Join Date: Oct 2007
Posts: 1,135
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2016 YTD investment performance thread
Quote:
Originally Posted by pb4uski
How are you getting 6%? Based on VTSAX, the high was in July 2015 and the market, with dividends reinvested has declined 3.3% since July 2015. Inflation in 2015 was virtually nonexistent (0.7% for the year) and modest thus far in 2016 so the real decline might be 4% at most with the vast majority due to the market decline since July 2015.
However, it is a bit disingenuous to measure anything from an all-time high... it will almost be lower by definition. If you go for the last 12 months then the market decline is 1.7% nominal and perhaps 2.5% real. If you look at 2015 then the return is positive 0.4% and 0.3% loss on a real basis.
So IMO 6% is silly.
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Well... To begin- no more disingenuous than using an arbitrary date such as 12/31/15 !! That is no more silly than using the market high date, which to me matters more, i.e., what really matter - how much I have, How much I had. And how long it will take to get back what I had ... What happened on 12/31 to make that date special...
I keep it simple and benchmark to the SP500...it's the most commonly quoted although most here may be into the broader market including international - that's ok. Could use VTI and VXUS. Vxus was at a high of 54 And now trades at 45... That's a drop of 16%...at a typical 20 percent international mix that is going to impact equity returns negatively by about 1 percent on mix
note when I posted the market as defined by SPY was 202.5 as I recall. The market high was 213.1 That's down 5%. You could use other indices as mentioned. If adding international at a reasonable AA to the mix, the loss would be closer to 6%.... But I rounded down.
Now add inflation CPU/PPI/core rate. You pick. ... It's approx 1 % if reflecting 12 months rolling average. Or knock down to just February 2016 annualized rate) last period in my table) at 0.7% annualized. Let's see what March inflation a does with oil now at 40 bucks a barrel not 26...
Even with simple and readily available data I'm getting 5.7%... Since the highs...
So yea, headed backwards and ...nearly 6 percent...
All this talk of "I'm up for the year" is just a fools game.
Kinda like asking Mrs Lincoln how she enjoyed the rest of the play...
That's what's silly.
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03-20-2016, 12:10 PM
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#231
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,674
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From the "what really matters department"~ When an investor removes funds from his stock/bond account and converts it to cash, is the time that it really maters.
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
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2016 YTD investment performance thread
03-20-2016, 01:53 PM
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#232
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gone traveling
Join Date: Oct 2007
Posts: 1,135
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2016 YTD investment performance thread
Pb4uski
I see VTSAX hit a highs on May 18 of 53.78, Not in July and is Currently 50.69 as of Friday close.
Plus about .75 dividend paid since high
That's a 4.4% loss even after adding in 3 quarters worth of dividends.
Another 0.6% for 3 quarters worth of inflation brings us to a 5% loss even on VTSAX as of today, I think ... Back up the prices to a few days ago when posted and were nearer to 6 percent loss than to 4 percent loss
Just want to make sure I'm looking at same dataset. Not that it matters at all
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03-20-2016, 03:12 PM
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#233
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,374
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Well, actually we are both wrong......the 52 week high for VTSAX occurred on 6/23/15 ($53.89/share) according to Vanguard's website... not May 18 ($53.73/share) or July 2015. I think I was looking at a chart of weekly balances and picked what looked like the top ($53.53/share) without looking at the specific day that was the 52 week high.
Quote:
Originally Posted by papadad111
Well... To begin- no more disingenuous than using an arbitrary date such as 12/31/15 !! That is no more silly than using the market high date, which to me matters more, i.e., what really matter - how much I have, How much I had. And how long it will take to get back what I had ... What happened on 12/31 to make that date special... ....
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The title of this thread, in case you missed it... is 2016 YTD investment performance thread so what date do you think should be used? If you want to use the last market high then start a new thread. If you want to use real returns then start a new thread.
According to M*, $10,000 invested in VTSAX on 6/23/15 was worth $9,556.64 on 3/17/2016, the closing available before your 6% decline post so we agree on 4.4% decline in nominal terms (but it would be only 4.0% as of today).
Add in inflation and I think we agree on a real loss of around 5% as of a few days ago IF one measures from the all-time high.... right in between the 4% and 6%.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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03-20-2016, 09:27 PM
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#234
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gone traveling
Join Date: Oct 2007
Posts: 1,135
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Ok. Peace. No intent to steal the thunder of a YTD thread then. Carry on ....
I'll get excited when we get back above where I once was. ...
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03-20-2016, 09:34 PM
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#235
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,374
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Quote:
Originally Posted by papadad111
....I'll get excited when we get back above where I once was. ...
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Me too. And if that happens then this YTD thread will be "Wh**!!!"
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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03-21-2016, 06:46 AM
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#236
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Posts: 3,087
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If you want to see YTD performance go to stockcharts.com, snap charts.
Range - Select Year to Date
Type - Select Performance
A ticker symbol with an underscore, (_SPY) will show performance without dividends.
A ticker symbol without an underscore, (SPY) will show performance with dividends.
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03-24-2016, 01:54 AM
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#237
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Full time employment: Posting here.
Join Date: May 2008
Posts: 599
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I was surprised that a couple of my funds have done badly. Vanguard extended market and
pssst Wellesley. Other things that I knew were off are showing signs of life.
I'm up for the year on overall according to Vanguard but I haven't withdrawn any $ yet.
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03-24-2016, 06:23 AM
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#238
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Thinks s/he gets paid by the post
Join Date: Jan 2014
Location: Bloomington, MN
Posts: 1,159
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Using YTD from Fidelity up 1.58%
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03-24-2016, 09:55 AM
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#239
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Recycles dryer sheets
Join Date: Jun 2013
Location: Chattanooga
Posts: 499
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Quote:
Originally Posted by lemming
I was surprised that a couple of my funds have done badly. Vanguard extended market and
pssst Wellesley. Other things that I knew were off are showing signs of life.
I'm up for the year on overall according to Vanguard but I haven't withdrawn any $ yet.
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Wellesley is actually doing pretty well - up over 3% for the year (3.07% as of 3/23/16 for VWIAX according to Vanguard). Vanguard extended market is down by a similar amount, but that's a high-risk fund rated as 5 on Vanguard's risk potential scale (which runs from 1 to 5). Wellesley is a 3 on that same scale.
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03-24-2016, 03:44 PM
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#240
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2008
Posts: 5,214
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Quote:
Originally Posted by jfn111
Using YTD from Fidelity up 1.58%
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I believe Fidelity updates YTD data only once a month (with the month end data), so most likely your YTD is the February end data. The market has come up a lot since then..
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