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06-03-2019, 11:46 AM
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#301
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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: 11,298
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Quote:
Compound.
CAGR = Compound Annual Growth Rate
__________________
TGIM
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06-03-2019, 12:05 PM
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#302
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Full time employment: Posting here.
Join Date: Jul 2013
Posts: 953
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Here are a couple screenshots (with fudged data) that show how to set this up in Excel. Note that the beginning balance is positive, the ending balance is negative. Money going into investments is a positive, money withdrawn is a negative.
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Well it's all right, we're heading to the end of the line...
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06-03-2019, 12:29 PM
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#303
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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Quote:
It depends on who you are trying to fool. Advisors sometimes use the method that gives a higher number.
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06-03-2019, 12:52 PM
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#304
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2011
Posts: 8,418
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Quote:
Originally Posted by LOL!
It depends on who you are trying to fool. Advisors sometimes use the method that gives a higher number.
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I'm just trying to figure out how I'm doing with the truest analysis possible.
__________________
Living well is the best revenge!
Retired @ 52 in 2005
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06-03-2019, 01:32 PM
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#305
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,720
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Quote:
Originally Posted by marko
I'm just trying to figure out how I'm doing with the truest analysis possible.
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After looking at my performance numbers, I do know that my 50-45-05 portfolio is showing the YTD performance of a 50-50 balanced fund, with the expense ratio added back in.
For example, RLBGX (an American Funds Balanced 50/50 fund) is 6.38% YTD (per Morningstar). Add back in the fee (.28) to get approximately 6.7% (rounded up).
Our portfolio is performing at about 6.81% YTD (per tracking spreadsheet). The difference is so small, that I can look at that one fund RLBGX and know how I'm doing.
Maybe there is one fund that adequately emulates your portfolio performance?
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06-03-2019, 03:38 PM
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#306
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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: 36,370
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Quote:
Originally Posted by marko
I'm just trying to figure out how I'm doing with the truest analysis possible.
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Then you want IRR... compounded. Simple is misleading which is why it is rarely used.
__________________
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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06-03-2019, 07:22 PM
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#307
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2011
Posts: 8,418
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Quote:
Originally Posted by pb4uski
Then you want IRR... compounded. Simple is misleading which is why it is rarely used.
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Thank you again. 15+ years lurking/reading/contributing here and I still learn something every day.
__________________
Living well is the best revenge!
Retired @ 52 in 2005
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06-03-2019, 08:51 PM
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#308
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,145
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I just look at how much up or down something is over a give period of time. Not the growth rate.
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Retired since summer 1999.
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06-05-2019, 04:39 AM
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#309
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Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,746
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Here's my results, so far...
1/31/19: +7.94%
2/28/19: +11.4%
3/31/19: +12.8%
4/30/19: +15.6%
5/31/19: +10.4%
And, as before, that's rate of return, rather than just how much my net worth has accumulated, since that would be thrown off by additional investments.
It's funny too, how looking at the big picture can put things in perspective. Initially I wasn't overly thrilled with May, and seeing how I lost about 5.2% was a bit of a buzzkill. But, most people would be pretty happy being up 10.4%, only 5 months into the year!
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06-05-2019, 04:53 AM
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#310
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,720
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Following link goes to Madsinger monthly report for May 2019.
https://www.bogleheads.org/forum/vie...ewpost=4576744
Looks like 10-15 popular portfolios are tracked.
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06-21-2019, 08:32 AM
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#311
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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: 36,370
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As of yesterday, I'm within 1.44% of my all-time high portfolio balance (which was at the end of January 2018).... and that is after withdrawals since January 2018.
__________________
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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06-21-2019, 08:35 AM
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#312
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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: 11,298
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Quote:
Originally Posted by pb4uski
As of yesterday, I'm within 1.44% of my all-time high portfolio balance (which was at the end of January 2018).... and that is after withdrawals since January 2018.
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Interesting. I am within 1.24% of my all time high reached in Aug 2018 including withdrawals.
It appears many all time highs were achieved either in Jan 18 or Aug 18.
__________________
TGIM
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06-21-2019, 08:41 AM
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#313
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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: 36,370
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I'm actually over my Aug 18 all time high... a whopping 0.18%!
__________________
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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06-21-2019, 08:52 AM
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#314
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Thinks s/he gets paid by the post
Join Date: Mar 2008
Location: Atlanta Suburb
Posts: 1,499
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We are still down 3% from an all time high. Part of it was a new vehicle purchase last year.
ETA: High was 1/18. 18 months of withdrawals and a new vehicle since then. I'll take it.
__________________
"Oh, twice as much ain't twice as good
And can't sustain like one half could
It's wanting more that's gonna send me to my knees" - John Mayer
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06-21-2019, 08:57 AM
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#315
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Thinks s/he gets paid by the post
Join Date: Aug 2015
Posts: 1,890
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We just blew through our all time high by a lot. I wish I could say it is because I am a genius. We have a truckload of RSU's that vest in 7 days that I am now including in our portfolio (will sell them the day they vest). So most of the gains are from contributions. Not complaining, though.
__________________
Consistently sets low goals and fails to achieve them.
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06-21-2019, 09:01 AM
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#316
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Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,746
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I've been having computer issues, so I can't get to my spreadsheet to verify, but I think I'm back to roughly my all-time peak from September 2018. I think I had topped out around $1.765M, but I had just pulled out $175K for a down payment on the new house. Throw them back together and that would be about $1.940M.
I just added up my investments this morning, and I'm around $1.787M. Throw the down payment back into that, and that gets me to $1.962M. Since September, I've added about $16-17K in additional investments, but also pulled out $14,000. So, overall I think I'm at around $1.959M, including that down payment.
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06-21-2019, 09:11 AM
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#317
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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I am over my all time high as well, and patting myself on the back for not starting another Wheee!!! thread about it.
Despite living expenses (including utterly whopping estimated tax payments last Monday, and big annual homeowners', flood, hurricane, and car insurance payments recently too) my total of portfolio plus bank accounts was once again the highest ever in my entire life.
How insane! Buy a dream home in cash, spend an additional mini-fortune in cash redoing the landscaping, and end up with more than you began with. It's like winning a dream house in a game show or something. I am not religious but it reminds me of that old saying, "Man plans, God laughs". I thought of that saying a lot after Katrina, too, but this time everything is coming up roses.
All this $$$ and the market is up quite a bit already today.
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06-21-2019, 09:23 AM
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#318
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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: 36,370
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Quote:
Originally Posted by W2R
I am over my all time high as well, and patting myself on the back for not starting another Wheee!!! thread about it. ....
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OMG! W2R typed the dreaded W-word... we are DOOMED.
__________________
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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06-21-2019, 09:32 AM
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#319
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Thinks s/he gets paid by the post
Join Date: Mar 2008
Location: Atlanta Suburb
Posts: 1,499
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I have my computer set up to automatically move everything to cash when she mentions the "w" word.
__________________
"Oh, twice as much ain't twice as good
And can't sustain like one half could
It's wanting more that's gonna send me to my knees" - John Mayer
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06-21-2019, 10:05 AM
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#320
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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Quote:
Originally Posted by flintnational
I have my computer set up to automatically move everything to cash when she mentions the "w" word.
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Well, but.... but.... !!
Everything sure seems to be coming up roses!
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