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Old 10-01-2018, 04:32 PM   #621
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Haven't figured it out, but these were the rates on my Ibonds.
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Old 10-01-2018, 04:46 PM   #622
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Quote:
Originally Posted by audreyh1 View Post
I don't go by whatever any website tells me as they are usually wrong. My assets are totaled in Quicken, and that's where I get my input numbers.
This is what Schwab uses to come up with its portfolio performance. Good enough for me as I'm not a mathematician:

Beginning Value
- Dividends Not Reinvested
- Interest Not Reinvested
Net Cash In/Out
Net Transfers In/Out
- Withholding
Net Contribution
Account Value

Appreciation/Depreciation
Dividends Reinvested
Interest Reinvested
Change In Value
Ending Value
Portfolio Return



FWIW: No transfers in, minimal transfers out
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Old 10-01-2018, 06:27 PM   #623
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Got it: include Schwab as it's investments, omit USAA as its $$s for expenses / wants / needs
Can you elabortate on the USAA part? From what you wrote I assume that it is your local bank account and balances are de minimus, so that is why they are being omitted.
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Old 10-01-2018, 06:34 PM   #624
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Can you elabortate on the USAA part? From what you wrote I assume that it is your local bank account and balances are de minimus, so that is why they are being omitted.
Checking averages $1500+, savings around 15k-20k ...depends on whether I've paid for a trip yet or not. Never under 15k. Yeah you'd think they're omitted because their close to $100 but my comfort zone is 15k in ready cash


Oh wait! Maybe that's de minimus to you ....
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Old 10-05-2018, 12:12 PM   #625
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Getting hammered. Down 5.35% since last Thursday close. Ouch. What goes up, must come down?
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AA (Stock/Bond/Cash ): 99/0/1% MIX (Small/Mid/Large): 50/25/25% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): 50% of Assets

FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
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Old 10-05-2018, 12:36 PM   #626
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Getting hammered. Down 5.35% since last Thursday close. Ouch. What goes up, must come down?
You might want to re-evaluate your AA.
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Old 10-05-2018, 12:36 PM   #627
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Down 0.68% this month. Not great, not bad, not planning on withdrawing anything
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Old 10-05-2018, 03:43 PM   #628
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On 9/30/18, up 9.2% YTD
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Old 10-05-2018, 04:06 PM   #629
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Getting hammered. Down 5.35% since last Thursday close. Ouch. What goes up, must come down?
Quote:
Originally Posted by HNL Bill View Post
You might want to re-evaluate your AA.
Ouch... between last Thursday and last night I'm only down.0.9%... it may be 1.5% or so after today.
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Old 10-05-2018, 05:10 PM   #630
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Down .8% for the first week of October. Was 90/10/0 AA, as of the close yesterday went to 26/10/64. Will stay in cash and wait for the turn.
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Old 10-05-2018, 05:14 PM   #631
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I didn’t dare look today. But two days ago, I did look at my AA and it was 19 and 16% equities for mine and my husband. However, in the last two days, I did write some cash covered puts. So it doesn’t show up yet. What a difference a few days make. I was expecting Sept, now it looks like it’s Oct.
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Old 10-05-2018, 05:58 PM   #632
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Ouch... between last Thursday and last night I'm only down.0.9%... it may be 1.5% or so after today.
Only 1.26% decline since last Thursday through today.
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Old 10-05-2018, 07:02 PM   #633
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This week was a tough one. Off 1.8% since the end of the quarter.



No asset class showed any strength. International, especially emerging was weakest.


Get ready ladies and germs, I think this might be it.


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Old 10-05-2018, 08:46 PM   #634
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You might want to re-evaluate your AA.
Naa. I'm only 37. Still plenty of runway. Valuations were a bit high. I'm not too concerned. The deteriorating relationship and escalating tension between US/China is likely part of the sell-off plus the election-cycle.

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AA (Stock/Bond/Cash ): 99/0/1% MIX (Small/Mid/Large): 50/25/25% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): 50% of Assets

FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
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Old 10-05-2018, 09:04 PM   #635
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My plan is to DCA through all the madness. IF stocks drop, I will plow more money into the market sooner next year. This year I am maxed on contributions so if the market isn't doing squat I can plow money into my 4% notes I have. Pay myself the 4% and buy low, or else just DCA. I will re-evaluate next Thursday. I think it will be a wild few weeks to month. I timed a dip last year and almost lost my lunch being out of the market for a few days. I realize if we drop 10+ % I will be kicking myself, but I don't think that's sustainable...not with the tax breaks, and low unemployment. Housing is still expensive to a lot but I'm not seeing any mass foreclosures and lay-offs.

GDP is steady. The big problem in US might be debt, and the tariffs and farmers hurting. And I am heavily invested in US equities as my signature shows. Housung and AG is huge and that might slow the economy a bit if you pile on our debt. ME personally I am running at all time lows for debt, also all time lows for cash though, but I have some options.
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AA (Stock/Bond/Cash ): 99/0/1% MIX (Small/Mid/Large): 50/25/25% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): 50% of Assets

FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
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Old 10-05-2018, 09:08 PM   #636
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Aha, damn error in my spreadsheet. It happens when I cut/paste in between the contributions I track daily. Down 2.5% in the last five trading sessions.

-0.2055007735
-0.4360726807
0.2834763435
-1.387492764
-0.7518464255
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AA (Stock/Bond/Cash ): 99/0/1% MIX (Small/Mid/Large): 50/25/25% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): 50% of Assets

FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
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Old 10-05-2018, 09:10 PM   #637
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Ouch... between last Thursday and last night I'm only down.0.9%... it may be 1.5% or so after today.
Thanks for posting. You made me re-check my #s. Ran through a couple other spreadsheets I use to track other folks investments and realized something had to be wrong in my formula. I love ER if not for error-checking my work lol.
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AA (Stock/Bond/Cash ): 99/0/1% MIX (Small/Mid/Large): 50/25/25% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): 50% of Assets

FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
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2018 YTD investment performance thread
Old 10-10-2018, 09:59 AM   #638
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2018 YTD investment performance thread

Might have to revise my numbers...
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Old 10-10-2018, 10:30 AM   #639
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Is this why I bought CDs?
QTD: -1.44%
YTD: 5.06%
Currently 84% equities / 16% cash but more importantly (to me) of that 84% equities = 90% core / 10% in trading account. I've been asleep at the wheel
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Old 10-10-2018, 07:14 PM   #640
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Iím still positive for YTD so thatís something.
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