Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 03-27-2017, 06:13 AM   #121
Full time employment: Posting here.
 
Join Date: Jun 2016
Posts: 931
YTD just under 4% all in including cash. AA approximately 60/35/5.
__________________

__________________
COcheesehead is offline   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 03-31-2017, 10:38 PM   #122
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 19,115
So, I closed the first trimester of 2017 with a gain of 5.49%, calculated over every account, including the last penny in the checking account.

Reasonably happy with it, considering that I am only 66% in equities, with much of the rest in cash. The S&P is up 6.37% for the period, and I got 86% of that gain.

It may just evaporate next week, but so far so good.
__________________

__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leon Trotsky
NW-Bound is online now   Reply With Quote
Old 03-31-2017, 11:09 PM   #123
Thinks s/he gets paid by the post
Fedup's Avatar
 
Join Date: Mar 2014
Location: Southern Cal
Posts: 2,930
My IRA is still 5%, but my taxable account is a lot higher. I'm surprised by my stocks picking ability.
__________________
Fedup is offline   Reply With Quote
Old 03-31-2017, 11:26 PM   #124
Full time employment: Posting here.
 
Join Date: Apr 2014
Location: Houston
Posts: 632
YTD return as of 3/31 is ~0.1% with asset allocation of 85% equities /15% fixed assets. Includes all liquid assets including living expense funds. Accounts for adds/removes from portfolio except for some dividends that I'll figure out when account statements come out, won't change the result much. Return was driven by losses in energy sector assets (dropped 8 to 10%) which were then offset by gains in the rest of the assets, lead by the only new asset purchased this year (Vanguard health care fund purchased in late Jan up 12.7%).
__________________
Whisper66 is offline   Reply With Quote
Old 04-01-2017, 06:04 AM   #125
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: 15,487
Quote:
Originally Posted by pb4uski
3.75% YTD through 2/28/2017... a good start for the year, but only 2 months so it would be a little premature to get too excited.
4.63% YTD based on XIRR of beginning balance, withdrawals, cash dividends and ending balance using a 12/31/2017 date. AA of 65/35/5.

I have been rebalancing more often than normal into the rally to keep cash up giving upcoming wedding costs later this year.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
pb4uski is online now   Reply With Quote
Old 04-01-2017, 06:34 AM   #126
Moderator
Alan's Avatar
 
Join Date: Jul 2005
Location: Eee Bah Gum
Posts: 20,617
XIRR 2.27% through April 1st

AA 46/54/0
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Now it's adventure before dementia
Alan is offline   Reply With Quote
Old 04-01-2017, 06:43 AM   #127
Recycles dryer sheets
 
Join Date: Jan 2012
Posts: 243
5.15% thru March 31, 2017 as per personalcapital.com across all accounts
(53%-domestic/25%-international/20% Bonds/2% cash)
__________________
Rickt is offline   Reply With Quote
Old 04-01-2017, 07:39 AM   #128
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,615
Quote:
Originally Posted by target2019 View Post
A bit early for end of Feb 2017. Will have to do:

YTD Wghtd Perf - 3.57%

Port Total YTD - 8.13%
Above was for YTD February.

YTD end of March 2017:

3.73% - YTD Wghtd Perf for Equity/Fixed/Cash (55/40/5)

7.75% - Port Total YTD
__________________
target2019 is online now   Reply With Quote
Old 04-01-2017, 07:40 AM   #129
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,449
Quote:
Originally Posted by pb4uski View Post
4.63% YTD based on XIRR of beginning balance, withdrawals, cash dividends and ending balance using a 12/31/2017 date. AA of 65/35/5.

I have been rebalancing more often than normal into the rally to keep cash up giving upcoming wedding costs later this year.
I really like that 105% allocation total. So you borrow 5% and invest it? What interest rate do you pay?
__________________
LOL! is offline   Reply With Quote
Old 04-01-2017, 07:44 AM   #130
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,449
YTD (March 31, 2017) returns for a collection of 'close-to' 60/40 funds (from Morningstar.com):

4.35% VSMGX Vg LifeStrategy Moderate Growth (60/40)
4.10% VTWNX Vg Target Retirement 2020 (57/43)
3.82% VBIAX Vg Balanced Index (60/40)
3.84% DGSIX DFA Global 60/40 I
3.45% VWENX Vg Wellington (66/34)
4.59% VTTVX Vg Target Retirement 2025 (65/35)
__________________
LOL! is offline   Reply With Quote
Old 04-01-2017, 07:48 AM   #131
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: 15,487
Quote:
Originally Posted by LOL! View Post
I really like that 105% allocation total. So you borrow 5% and invest it? What interest rate do you pay?
Oops.... make that 60/35/5.

Actually, if I grossed it up for my mortgage and car loan, both of which are marginally invested, I would be 65/37/6... pretty close to my typo. Mortgage is 3.375% and car loan is 1.9%.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
pb4uski is online now   Reply With Quote
Old 04-01-2017, 07:52 AM   #132
Recycles dryer sheets
 
Join Date: May 2015
Location: Atlanta suburbs
Posts: 315
YTD: 5.2%

YTD out-performance (against 60/40 benchmark) due to healthcare tilt.
__________________
DEC-1982 is offline   Reply With Quote
Old 04-01-2017, 09:21 AM   #133
Thinks s/he gets paid by the post
redduck's Avatar
 
Join Date: Mar 2005
Location: yonder
Posts: 2,050
Using moneychimp.com to do the calculations, my dividend portfolio is up 3.01%. I am using the dividend portfolio (which consists of stocks that have a very high/high safety ranking by Value Line) as a component of my bond allocation.
__________________
Carpe cōleī
redduck is offline   Reply With Quote
Old 04-01-2017, 10:33 AM   #134
Recycles dryer sheets
 
Join Date: Dec 2014
Location: St. Charles
Posts: 446
YTD 4.4%, after correcting for spending (60/30/10)
__________________
If your not living on the edge, you're taking up too much space.
Never slow down, never grow old!
CardsFan is offline   Reply With Quote
Old 04-01-2017, 10:36 AM   #135
Full time employment: Posting here.
RetiredGypsy's Avatar
 
Join Date: Mar 2008
Posts: 873
5.59% now.
__________________
I'm free and I like it!
RetiredGypsy is offline   Reply With Quote
Old 04-01-2017, 12:01 PM   #136
Recycles dryer sheets
 
Join Date: Apr 2012
Location: Seattle
Posts: 457
4.73% as of 3/31 in Megacorp 401K (keeping it there for now). AA is 70/30. I'll take it!!
__________________
supernova72 is offline   Reply With Quote
Old 04-01-2017, 12:09 PM   #137
Recycles dryer sheets
Happyras's Avatar
 
Join Date: Jun 2015
Location: Redmond
Posts: 208
According to personal capital, our allocation is 47.5 US stock/16.5 Int Stock/22.42 US Bond/7.4 Int Bonds/2.5% cash (cash in MF)/3.7% Alt

Our performance YTD at 3.7% is 65% of the S&P of 5.5%, better if compared to Dow at 4.6%. This is highly correlated to our equity allocation.

I am certain our under performance was primarily due to higher bond allocation earlier in the quarter Where we were performing to 58% of the S&P with more of a 60/37/3 allocation.

We are very close to the efficient frontier risk for our allocation within 0.1% of performance, and 0.2% of the risk. I did this intentionally through some recent rebalancing.

I am curious how some folks like us in retirement, are getting a higher performance. What traditional measure of risk? Not just the performance but how do their allocations approach the efficient frontier?
__________________
Happyras is offline   Reply With Quote
Old 04-01-2017, 01:48 PM   #138
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,449
Quote:
Originally Posted by Happyras View Post
[…] Our performance YTD at 3.7%
[…]
I am curious how some folks like us in retirement, are getting a higher performance. What traditional measure of risk? Not just the performance but how do their allocations approach the efficient frontier?
If you look inside the funds I listed this morning in this thread, then you can see that higher allocations to foreign equities helped and lower allocations to US small cap value helped, too. Here is a chart to show that:




Also "efficient frontier" does not mean "best return." Personal Capital touts a small-cap value overweight, but SCV did great in Nov-Dec 2016 and has taken a breather so far in 2017.

Bond funds have done relatively well: Despite FFR hikes in December and March, bond funds are up 1% for the quarter and on track for a very typical one-year return of 4%.

Big question though: Is it time to rebalance out of foreign into US small-cap value?
__________________
LOL! is offline   Reply With Quote
Old 04-01-2017, 01:59 PM   #139
Full time employment: Posting here.
OldShooter's Avatar
 
Join Date: Mar 2017
Location: City
Posts: 631
I have taken a rubber-meets-the-road approach to performance lately, setting up specific $100K equity tranches to test various portfolios:

  • Couch Potato; 2/3 total US market, 1/3 total Int'l: 6.4%
  • Schwab "Intelligent Portfolios" 5.7%
  • DFA 50/50 USA/Int'l with a slight emerging market tilt: 6.2% net of 1Q 12.5bp fee

ACWI All Cap World Index (Large+Mid+Small+Micro Cap) Total Return: 6.82%

That stock picking doesn't work is very old statistical news. So I don't do it. Sad to say it took me almost 40 years of investing to finally understand that nobody in the investment business knows anything useful.
__________________
OldShooter is offline   Reply With Quote
Old 04-01-2017, 02:10 PM   #140
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,449
@OldShooter, that's a nice experiment. I predict your 100% equity ploys will create something like a Callan Periodic Table of Investment Returns. Just worry about skating to where the puck was.

So instead of stock picking, what about asset class picking? Or at least predicting the future near-term performance of asset classes?
__________________

__________________
LOL! 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
2016 YTD investment performance thread robnplunder FIRE and Money 864 02-01-2017 08:45 AM
2015 YTD performance thread street FIRE and Money 9 01-04-2017 09:40 AM
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 02:02 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.