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09-03-2018, 06:51 PM
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#501
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Thinks s/he gets paid by the post
Join Date: Aug 2015
Posts: 1,890
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The data show:
Year To Date (YTD)
ROI is 5.52%. Overall savings asset allocation is 53/33/14 (stocks/bonds/cash equivalent). The cash is EF, college and car funds. The cash is in a MM fund making 1.86% so that helps.
On average, I made $5,346 / month (paper money). Best month was May @ $17,548. Worst month was Mar @ -$8,742.
Total, I have made $39,813 (again, paper money)
Looks like we will end the year saving $290,957 (this includes 401k match, does not include returns)
Overall, a great year so far.
Next year is shaping up to be epic for savings if we don't go crazy on a house (rent/buy) in Dallas where we are moving. The data show we could save $500k.
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09-03-2018, 08:38 PM
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#502
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2016
Posts: 9,512
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01/03/18 to 08/31/18 up 8.10% after living expenses for those 8 months. I am very pleased and grateful for those gains.
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09-04-2018, 01:34 AM
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#503
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Thinks s/he gets paid by the post
Join Date: Sep 2012
Posts: 1,570
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2.5%. 65-25-10. I suck.
__________________
You know that suit they burying you in? Thar ain’t no pockets in that suit, boy.
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09-04-2018, 07:01 AM
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#504
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Location: North
Posts: 4,037
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+16.08 ytd. Incredible month of gains +5.75% just in August. That's 1/3 of the gains in 1/12 the time. 
Let's hope people investors don't get "spooked" during the Halloween season! 
__________________
Time > $$$ ~ 100% equities ~ FIRE @2031
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09-04-2018, 12:48 PM
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#505
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Recycles dryer sheets
Join Date: Dec 2007
Posts: 482
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9.47% according to Quicken. I’m easy to please...anything over 0% and I’m content.
__________________
Retire date Jan. 10, 2018
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09-04-2018, 12:57 PM
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#506
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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If you simply broke even, you actually lost to inflation, which runs close to 3% now.
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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09-04-2018, 03:13 PM
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#507
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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: 36,337
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 Quote:
Originally Posted by NW-Bound
If you simply broke even, you actually lost to inflation, which runs close to 3% now.
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In theory, but inflation can be very personal depending on where you live and other factors.
__________________
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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09-04-2018, 03:43 PM
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#508
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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Quote:
Originally Posted by pb4uski
In theory, but inflation can be very personal depending on where you live and other factors.
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Meaning it can be a lot higher than 3% when healthcare cost enters the picture?
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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09-06-2018, 10:48 AM
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#509
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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: 36,337
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Found an error.  Aug YTD should be 4.00%. 
Quote:
Originally Posted by pb4uski
Aug 3.79%
Jul 3.04%
Jun 1.06%
May 1.24%
Apr 0.37%
Mar 0.12%
Feb 0.88%
Jan 3.53%
Even if values stay level for the rest of the year after remaining withdrawals I'll be on the plus side compared to the beginning of the year so no tears here. Still whooping my benchmark VSMGX which was 2.75% YTD.
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__________________
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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09-06-2018, 11:55 AM
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#510
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: Diablo Valley (SF Bay Area)
Posts: 2,705
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Dumped 1/2 my international .... haircut across the board and accounts
Need to work on mantra : will no longer be a trader
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09-06-2018, 12:15 PM
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#511
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,295
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Quote:
Originally Posted by gayl
Dumped 1/2 my international .... haircut across the board and accounts
Need to work on mantra : will no longer be a trader
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Being patient with my International portion (index not individual) still........
__________________
TGIM
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09-06-2018, 01:59 PM
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#512
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Thinks s/he gets paid by the post
Join Date: Jan 2013
Location: SoCal, Lausanne
Posts: 4,408
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+8.09% YTD overall - 100% laddered bond portfolio. Centurylink/Qwest/U S West bonds continue to outperform.
Wifes's IRA : +16.8% - 100% Centurylink 2024 notes and Qwest 2031 Bonds. The switch from JP Morgan, Wells Fargo, and Citigroup preferred stock to Centurylink last December paid off big time.
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09-07-2018, 11:02 AM
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#513
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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Quote:
Originally Posted by Dtail
Being patient with my International portion (index not individual) still........
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Recently added to VPL when it tripped the 10% rebalance band on the down side.
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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09-07-2018, 11:02 AM
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#514
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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Through 8/31, sitting at +8.64%.
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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09-07-2018, 11:22 AM
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#515
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Thinks s/he gets paid by the post
Join Date: Mar 2014
Location: Southern Cal
Posts: 4,032
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Through 8/31, 4% for my husband’s account and 5% for my account. I’ve been consistently low on stocks. Perhaps around 25-30% equity. It would have been higher if I didn’t read a Boggle head on bonds, but I did get out of EEM early in the year.
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09-07-2018, 03:48 PM
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#516
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2016
Posts: 9,512
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Quote:
Originally Posted by corn18
The data show:
Year To Date (YTD)
ROI is 5.52%. Overall savings asset allocation is 53/33/14 (stocks/bonds/cash equivalent). The cash is EF, college and car funds. The cash is in a MM fund making 1.86% so that helps.
On average, I made $5,346 / month (paper money). Best month was May @ $17,548. Worst month was Mar @ -$8,742.
Total, I have made $39,813 (again, paper money)
Looks like we will end the year saving $290,957 (this includes 401k match, does not include returns)
Overall, a great year so far.
Next year is shaping up to be epic for savings if we don't go crazy on a house (rent/buy) in Dallas where we are moving. The data show we could save $500k.
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I like your break down and never really thought about what my gains (paper money) was per month like you have shown.
Mine per month (8 months) from January till Sept. 1st was $25,496 per month average.
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09-07-2018, 04:58 PM
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#517
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Thinks s/he gets paid by the post
Join Date: Aug 2015
Posts: 1,890
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Quote:
Originally Posted by street
I like your break down and never really thought about what my gains (paper money) was per month like you have shown.
Mine per month (8 months) from January till Sept. 1st was $25,496 per month average.
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I have started to shift from total portfolio value as my metric to total income. Not that I am a yield chaser, but in reality, income is what I will live on in retirement.
Income:
$45k - COLA military pension (receiving this now)
$40k - $1M portfolio @ 4% withdrawal rate
$54k - SS @ 70
So, between 55 (target retirement date) and 70 my income should be $85k. Between 70 and my death, it should be $139k. My target is $150k, so I need to save more.
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09-07-2018, 05:17 PM
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#518
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2016
Posts: 9,512
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^ Interesting & thanks.
I take a look at my numbers the start of each month to see where I'm at. My numbers are after expenses so I don't crunch numbers very often just making sure I'm not going backwards. LOL
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09-07-2018, 05:42 PM
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#519
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Thinks s/he gets paid by the post
Join Date: Jan 2015
Posts: 1,539
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Finally got around to updating my spreadsheet. 3.9% ytd including withdrawals. That’s on 60/33/7 aa. I can live with that.
__________________
Wisdom starts with wonder
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09-08-2018, 03:51 PM
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#520
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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Quote:
Originally Posted by HFWR
Through 8/31, sitting at +8.64%.
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This is the one-year return. YTD I’m down a fraction, after my yearly withdrawal.
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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