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Old 02-01-2017, 07:15 PM   #41
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1.28% on a 50/45/5 AA. Let's hope the "January effect" works.
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Old 02-01-2017, 09:29 PM   #42
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If you use this calculator and enter how many month's it will change. I was made aware of this tool on this site. Would this be the right calculator to use?
Investment Return Calculator: Measure your Portfolio's Performance
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Old 02-02-2017, 09:56 AM   #43
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Retirement portfolio up 1.23% for Jan 2017
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Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
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Old 02-02-2017, 10:24 AM   #44
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OK something isn't working as well this year, my Jan end rate was 1.09%, dropping again early this week. As of yesterday YTD is only 0.98%. Allocation is 59/39/2 on invested accounts. I believe the intermediate duration of the average bonds in our funds at 6.6 yrs is limiting our overall returns with corporate bond market rates rising. But visibility to actual changes is limited. I am considering maintaining the same allocation, but divesting the balanced funds with their higher interest sensitivity. Instead, buying equity funds and shorter term bond funds while rates stabilize to higher levels this year. Anyone else considering, or has done this recently? It seems others here with similar 60/40 allocation are doing much better.
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Old 02-02-2017, 10:26 AM   #45
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OK something isn't working as well this year, my Jan end rate was 1.09%, dropping again early this week. As of yesterday YTD is only 0.98%. Allocation is 59/39/2 on invested accounts. I believe the intermediate duration of the average bonds in our funds at 6.6 yrs is limiting our overall returns with corporate bond market rates rising. But visibility to actual changes is limited. I am considering maintaining the same allocation, but divesting the balanced funds with their higher interest sensitivity. Instead, buying equity funds and shorter term bond funds while rates stabilize to higher levels this year. Anyone else considering, or has done this recently? It seems others here with similar 60/40 allocation are doing much better.
It's just one month. These things tend to average out. Look at the performance over a much longer time frame.
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Old 02-02-2017, 10:40 AM   #46
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It looks like I am lagging behind... +1.07% for Jan.
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Old 02-02-2017, 11:26 AM   #47
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Through Jan 31st I was at 1.999% (not to be exact!). I had made a money move Jan 6th with my 401K and did not rebalance so my mix so was at 88% equities for the month. Much higher than my previously. Sort of dumb luck.

I'm now at 68%/32%.
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Old 02-02-2017, 04:20 PM   #48
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85/15 for January 2017 I have a 3.01% gain.
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Old 02-03-2017, 12:03 AM   #49
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+1.6% for January , 75/25 Equity/Bond AA
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Old 02-03-2017, 06:34 AM   #50
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My account at Mega-Brokerage- up 1.9%. Fidelity (I manage that more actively, it's about 1/6 of the pot) up 1.5%. I'm about 70% in equities and moving more towards ETFs. Ooh, 1.9% a month is 24.6% annually! :-)
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Old 02-03-2017, 04:31 PM   #51
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OK made me look. PRR for the year to date without cash is 2.15%. Including cash it is 1.93%. I'll take it.

54/41/5
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Old 02-04-2017, 03:17 AM   #52
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As of 3 Feb my total portfolio is up 2.45% mostly due to having 33% in international funds. Maybe this will be the year I don't regret having a high percentage in international...

For comparison sake here is my allocation.

Categories  ETF/FundCurrent % Desired %
Fixed Income Allocation   25.49% 26.00%
Total Bond Market  BND, AGG19.63% 13.00%
TSP G Fun  TSP G Fund5.46% 13.00%
Cash  CASH0.40% 0.00%
       
Total Stock Allocation   74.51% 74.00%
International Stock Allocation   33.63% 32.89%
Emerging Market  VWO11.34% 10.97%
Regional - Pacific  VPL11.26% 10.97%
Regional - Europe  VGK11.03% 10.97%
       
United States Stock Allocation   40.89% 41.11%
United States REIT  VNQ8.14% 8.22%
United States Small Cap Value  VBR10.91% 10.96%
United States Large Cap Blend  VV11.00% 10.96%
United States Large Cap Value  VTV10.84% 10.96%
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Old 02-04-2017, 03:46 AM   #53
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FIDO says the 401k is up 3.09% YTD. Utilities still holding their own. In a stroke of luck - I thought S&P index was oversold and had quadrupled our international exposure at year end, which is up over 4%. This was the beginning of diversification as I sneak up on FIRE.

Even a blind squirrel finds a nut now and again.
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Old 02-04-2017, 06:28 AM   #54
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I'm now up 1.59%. REIT, small cap, S&P, and total market aren't doing so bad so far this year. Neither is Wellesley. Individual stocks are kind of just sitting there, but they're doing the dividend dance I bought them for, so overall, woohoo!
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Old 02-04-2017, 07:30 AM   #55
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Up 3.1% for the year. Balance is at an all time time even tho I started spending from it at retirement last April. 65/35 with half of equities in international.
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Old 02-04-2017, 08:22 AM   #56
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In a stroke of luck - I thought S&P index was oversold and had quadrupled our international exposure at year end, which is up over 4%.
I guess you mean overbought?

If January is indeed as the year goes, International (emerging actually) will be shining.
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Old 02-04-2017, 08:04 PM   #57
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For comparison sake here is my allocation.
That's pretty. I say so because it looks a bit like mine
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Old 02-07-2017, 04:33 PM   #58
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Up 1.6%
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Old 02-07-2017, 10:07 PM   #59
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Up 2.80% as of today with a 65/30/5 mix.
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Old 02-08-2017, 11:17 AM   #60
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My bond ETF's finally went green today after the late year sell off. Perfect example of rebalancing. I bought more early in January and now those have helped make up for my losses and overall I am up for the year in bonds.
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