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Old 02-10-2017, 09:34 PM   #61
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3.64% return YTD, as of market close of Friday Feb 10, 2017. Not too shabby for holding 31% cash.

But am I elated? Heck no. I trailed the market in 2014, and 2015 too. Just reversion to the mean. Hope I have not jinxed it by bragging here.
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Old 02-11-2017, 03:28 PM   #62
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Originally Posted by Dan4495 View Post
Up 2.80% as of today h a 65/30/5 mix.
2.9% with a similar mix (but more cash--65-25-10). International, biotech/drugs, and Latin America are the big winners--so far.
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Old 02-11-2017, 03:34 PM   #63
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I tried to find the answer in the previous year threads, butthey are so long.

You only include interest and returns when figuring out the percentage, not money you're adding into the pot right? That makes the most sense to me.
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Old 02-11-2017, 03:58 PM   #64
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Up 2.1% YTD as of Friday. Hard to believe!
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Old 02-11-2017, 04:14 PM   #65
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I told myself I was only going to look at month-end, but maybe I'll only limit looking when the market is down. We all need to make sure we over-enjoy these times since we know we tend to over-fret when it goes against us.

I'm enjoying a 3.4% YTD rate! And that doesn't include the honkin' big check that I just got from the IRS. If I were a real accounting type, I would have had an asset account that contained the loan I gave Uncle Sam, lol!
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Old 02-11-2017, 04:19 PM   #66
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Hey, that 3.4% is almost as good as mine. And I recall you went light on equities last year due to Shiller's warning.
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Old 02-11-2017, 04:36 PM   #67
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Yeah, it was in late 2015 when I lightened-up on US equities due to the CAPE signal. This year, it must be that some of those things dragging my return down for a while are finally getting a little love.
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Old 02-11-2017, 05:45 PM   #68
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Yeah, it was in late 2015 when I lightened-up on US equities due to the CAPE signal. This year, it must be that some of those things dragging my return down for a while are finally getting a little love.
What was that CAPE signal?
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Old 02-11-2017, 08:44 PM   #69
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CAPE or PE10 is a value that's derived from the ten year earnings of US stocks and the current pricing of those stocks. The "signal" is something that's defined in a book called "Rock Breaks Scissors". There's a link to the stock market chapter in Using Shiller PE to Time the Market. And here's my spreadsheet that re-creates the signaling: https://drive.google.com/file/d/0B72...ew?usp=sharing
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Old 02-12-2017, 09:17 AM   #70
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Our finances are still in transition since since taking the early retirement package from my megacorp last year so it is difficult to calculate an overall return. I just got the final severance check since I deferred it to save on taxes. And paid off the mortgage.

But looking at individual investment accounts YTD we are up 3.69% on my 401K and 2.23% on our Vanguard after-tax account.

I moved almost everything in the 401K to equity index funds just before the election, 85% US, 10% international, 5% bonds. I was all but sure that no matter how it went stocks were going to go up a bunch for a while. That turned out to be a very good move but not so sure how long to hold on to this strategy...

Vanguard is much more conservative, 55% US equity and 45% bond admiral index funds. I haven't made any adjustments since setting it up last summer.

We also have two company cash-balance pension funds increasing at 3.5% and 4.25% that are untouched. And now enough cash sitting in bank accounts to live very well for a few years. Not sure how smart that is with interest rates so low. Still sorting it all out in my mind.
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Old 02-12-2017, 11:36 AM   #71
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Up 2.1% YTD as of Friday. Hard to believe!
Hey, even mine too (I was so lagging behind at the end of last month). What a difference a week can make!
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Old 02-12-2017, 12:01 PM   #72
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2.7% YTD on a 65/30/5 allocation.
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Old 02-13-2017, 04:20 PM   #73
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In Dec I sold almost all of my diversity, and concentrated on the FANG's, which really didn't participate in the rally until recently. Now I am up 15+% ytd, and starting to unwind these positions, and will return to more diverse holdings sometime in March or April. I am thinking that between earnings and a lack of tax reform we should see an adjustment that would make the market more palatable.

The only quandary that I am facing now is how much and when to sell the remaining shares. I have made more than enough money to cover my withdrawals for the year, and want to protect my gains-just not certain how to accomplish this.
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Old 02-13-2017, 08:17 PM   #74
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Quote:
Originally Posted by RetiredGypsy View Post
I tried to find the answer in the previous year threads, butthey are so long.

You only include interest and returns when figuring out the percentage, not money you're adding into the pot right? That makes the most sense to me.
There is an extensive discussion of the calculation in the 2016 thread.

The "best" approach would be an XIRR calculation based on dates of various cash flows in or out of the portfolio with the ending value dated 12/31/2017.

In many cases that isn't practical, so we use the moneychimp calculator... see Investment Return Calculator: Measure your Portfolio's Performance using 12 months and the 1/1/2017 balance, net additions (or a negative number if reduction) for the year and the ending balance.

Using 12 months gives us a YTD number.

Also see How do you calculate YTD return?
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Old 02-13-2017, 08:39 PM   #75
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I write the numbers on a piece of paper with a pen at the start of the year and then I look at the statements and compare to what I wrote on the paper for the rest of the year.
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Old 02-14-2017, 06:01 AM   #76
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In 2016 mid February, the YTD did not look good; I think I was -7% at that time. But the full year turned out to be great.

In 2017 mid February, the YTD looks great. But ...
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Old 02-14-2017, 06:04 AM   #77
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Sitting around 2.8% as of 2/13 for a 62% stock/ 38% bond+short term aggregate of all of my accounts. YTD across accounts range from 1.9% to 3.2%.
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Old 02-14-2017, 06:55 AM   #78
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In 2016 mid February, the YTD did not look good; I think I was -7% at that time. But the full year turned out to be great.

In 2017 mid February, the YTD looks great. But ...
Yeah, I know. I keep trying to remind myself of that! Both of my brokerage accounts are up 3.5%; I'm 73% in equities, which is pretty aggressive. The Vanguard Wellington in my HSA is knocking it out of the ballpark. Too bad that's only $22K.

DH had made his son the beneficiary of a small ($18K) IRA but after DH's leukemia diagnosis we spoke to DSS and it turned out that what DSS intended to do was liquidate it immediately and pay whatever taxes were due. We changed the beneficiary to me and I gave DSS a check for what the account was worth the day DH died. It's gone up by over $800 since that day.
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Old 02-14-2017, 07:01 AM   #79
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4.0% at 80/10/10

International fund is the favorite to get the rabbit at 9.2% (!)
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Old 02-14-2017, 07:33 AM   #80
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I write the numbers on a piece of paper with a pen at the start of the year and then I look at the statements and compare to what I wrote on the paper for the rest of the year.
Basically what I do, but with bits and bytes instead of paper and ink.

However, one still has to account for deposits, or in our case withdrawals, to know the true growth or shrinkage due to investments.
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