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Old 01-05-2019, 09:53 AM   #961
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My YTD numbers include all expenses and what gains or losses from the market. I do not withdraw or add to these investment accounts or rebalance. I take what I need from a savings account ( which is in the moneys I use) so mine is very easy and simple to track. So from the start to a given month or year end is my YTD number/% for that time. I do use the 12 month constant to find that % of gain or lose. That plus or loss in a given time is all that I want to track.
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Old 01-05-2019, 11:58 AM   #962
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redduck's 2018 Portfolio results.

Dividend Portfolio: 0.00% according to Schwab; +0.03% according to moneychimp.
Entire portfolio (including the dividend portion of the portfolio): -2.12%

No outside money is coming into my portfolio (darn!). Any money that goes out (RMD's) is accounted for using moneychimp. For me, the purpose of this exercise is to see how my investments are faring.

Spoiler Alert:
The stuff below is optional reading. Reading it will not make you a better person.

I see my portfolio as being in two parts. One could say "two-parted" but I don't know why anyone would say it that way.

The first part we will call the Dividend Part. It currently consists of 22 dividend stocks. I sort of see the dividend portfolio as part of my bond portion of my portfolio. Hopefully, the dividend stocks are of high enough quality (OK, GE wasn't) that they will boost the income of the bond portion without adding much risk. I have no idea of how well this idea is working.

Anyhow, comparing it to the Wellington fund (-3.32%) I did OK this year with my -2.12%. Even beat VIG (Van. Dividend Appreciation ETF) (-2.40% in 2018). However, this might not be a fair comparison as I don't know if Vanguard uses moneychimp to figure out how they did. Additionally, my portfolio also trounced VLXVX (Van Target Retirement 2065) which came in at -7.95%.
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Old 01-05-2019, 01:26 PM   #963
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Moneychimp and my calculations say we lost 3.29% on a 65/35 portfolio. XIRR says we lost 4.10%, so I have to figure out what I am doing wrong with those entries. Either way, not too bad.
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Old 01-06-2019, 08:13 AM   #964
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Big inflows or outflows at the beginning or end of the year will cause the money chimp style estimate to diverge from the 'gold standard' xIRR.
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Old 01-06-2019, 08:52 AM   #965
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Up 14.7%. Retirement plan is 95% money market and GIC since March of 2017. Biggest nut is private company equity position that returned 29%.
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Old 01-06-2019, 10:34 AM   #966
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Nvm
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Old 01-06-2019, 12:05 PM   #967
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Quote:
Originally Posted by N02L84ER View Post
Moneychimp and my calculations say we lost 3.29% on a 65/35 portfolio. XIRR says we lost 4.10%, so I have to figure out what I am doing wrong with those entries. Either way, not too bad.

I found a big typo. Now my XIRR says we lost 3.31%. Close enough.
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Old 01-08-2019, 10:20 PM   #968
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Havenít seen the 2018 quilt chart yet.
https://www.callan.com/wp-content/up...Table-2019.pdf
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Old 01-09-2019, 12:16 AM   #969
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Wow, the first time in 19 years cash beats out every other asset class, and the only one actually having a positive return.

If you go after inflation, not a single asset class was positive.
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Old 01-09-2019, 03:43 AM   #970
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Iím only -3% under for 2018 bu that includes incorporating in all the dividends I received. Thank Goodness for dividends!
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Old 01-09-2019, 04:14 AM   #971
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Quote:
Originally Posted by jazz4cash View Post
Havenít seen the 2018 quilt chart yet.
https://www.callan.com/wp-content/up...Table-2019.pdf
Thanks for posting the Table- Cash was King in 18.....
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Old 01-09-2019, 08:42 AM   #972
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My head is really big after seeing cash was king last year and my CDs smoked the cash return in the table. Iím still down overall, though.
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Old 01-09-2019, 09:48 AM   #973
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Guess I should have been 100% in Ally online savings..... NOT
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Old 01-11-2019, 11:58 AM   #974
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The BLS released CPI numbers. CPI-U less food and energy for 2018 was 2.2%.

So, I guess those who want to add insult to a lousy year can factor that in!
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Old 01-11-2019, 01:28 PM   #975
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My spreadsheet has that column, but I've formatted the text to white on white so I don't see it
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Old 01-12-2019, 08:12 AM   #976
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My spreadsheet has that column, but I've formatted the text to white on white so I don't see it

Iíve got that column too. Looking on the bright side, my humongous planning (and now tracking) spreadsheet factors in a 3% annual inflation rate. Thatís not yet been exceeded in any year since I hung it up (knock on wood).
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Old 01-13-2019, 08:30 AM   #977
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Iíve created a SWR tab on my spreadsheet, and am calculating two possible withdrawal methods, one being a straight 4%/ yr, and the other the 4% ďruleĒ.

EOY 2018, they are $6 apart. The 4% rule has been lower every year since the first.
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