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2019 YTD investment performance thread
Old 01-03-2019, 01:15 AM   #1
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2019 YTD investment performance thread

Whew, what a choppy 2018! Let's hope that 2019 brings us a better investment year.

As before, this thread is about "investment" performance. That is, this thread is more about sharing what investment is working and not working YTD.


See 2018 YTD investment performance thread for past year threads.
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2019 YTD Investment Performance Thread
Old 01-31-2019, 08:25 PM   #2
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2019 YTD Investment Performance Thread

What? It's Jan 31st, and nobody has started the traditional YTD return thread so we can all brag/commiserate about money gain/loss as appropriate.

I guess I will have to do this dirty job.

I am glad to report that as of market close today, I am up 9.45% relative to Dec 31st, 2018. And that's counting every penny in every account, even my checking and HSA accounts. Quicken shows me the grand total of everything, and that's what I use. No home values included, of course.

I hope it will not be a repeat of last year, when I had a blowout January return, then never achieved that high watermark again. Indeed, I ended up losing -10.85% in 2018.

Here hoping this year will be better.

PS. Stock AA varied between 70% and 65% during Jan 2019.
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Old 01-31-2019, 08:30 PM   #3
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LOL! I was hoping someone would get it going thanks NW-Bound. I just checked and not all numbers in yet.
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Old 01-31-2019, 08:32 PM   #4
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Now we have two:
http://www.early-retirement.org/foru...ead-95554.html
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Old 01-31-2019, 08:34 PM   #5
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Hah! Robnplunder did start it very early on Jan 3rd, and I missed it. Nobody has posted to that thread either.

I will ask a mod to merge this one to his.
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Old 01-31-2019, 08:45 PM   #6
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Hah! Robnplunder did start it very early on Jan 3rd, and I missed it. Nobody has posted to that thread either.

I will ask a mod to merge this one to his.
Done
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Old 01-31-2019, 09:10 PM   #7
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+5.08% YTD Jan 31, 2019

vs +3.53% YTD Jan 31, 2018
vs 5.28% for my benchmark VSMGX
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Old 01-31-2019, 09:44 PM   #8
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VSMGX looks like a good benchmark for me as well pb4uski. Monkeychimp says 5.8% accounting for withdrawals.
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Old 01-31-2019, 09:49 PM   #9
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Jan 31, 2019 4.74%
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Old 01-31-2019, 10:21 PM   #10
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4.74% on a 55/45 AA.
Very pleased so far and not tweaking the stock side unlike last year.
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Old 01-31-2019, 10:41 PM   #11
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It's not January 31st...it's December 62nd. And that means I'm UP for 2018 (about one percent!).


Oh, you conventional calendar folks might prefer reporting on the last 31 days... Nice number: Up 5.8% for the year. And like NW, that's "all-in" (all accounts). I do a spend adjustment (estimating a level spend).
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Old 01-31-2019, 10:51 PM   #12
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Up 4.81% on this day of 12/62/18 per sengsational calendar. It suits me just fine since my b-day is 1/1.
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Old 02-01-2019, 04:51 AM   #13
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I was down 4.35% for 2018. As of this morning (2/1) I'm up 5.95%.

I usually set my expectation for a 6% annual return. As such, I've made my 2019 goal! I know it can't last at this rate, but it's nice to get some thick ice under our feet, no?

I've often mentioned how I prefer to monitor a 3 year average because it smooths out the roller coaster a bit. My 3 year is 9.5% despite '18 being a dog.
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Old 02-01-2019, 05:53 AM   #14
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Principal LCG up 9.87% as of today, and is the ONLY principal fund available out of maybe 20 funds in my 401K that is still up from 1 year ago (+3.5%). Today is a happy day !
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Old 02-01-2019, 06:18 AM   #15
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... I've often mentioned how I prefer to monitor a 3 year average because it smooths out the roller coaster a bit. My 3 year is 9.5% despite '18 being a dog.
You made me look.

My 3-year return of 1/31/2016-1/31/2019 is 34.34% cumulative.

Annualized, it's 10.34%/year. Stock AA has been around 70%, with the rest mostly in cash.

It's eye-opening looking up what I spent in 3 years, in order to do Moneychimp's method of compensating for withdrawal. It's easy with Quicken, but boy, it reminds me how much I spent.

PS. Of course an ER needs to withdraw money to live on, but it's sobering to see how much financial gain one gives up by retiring early. If instead of taking money from his stash one lets it grow, the compounding effect is huge. I am not even talking about adding more savings to it, because when the stash gets big, the additional yearly saving becomes insignificant.

I am not talking anyone into doing OMY, but one should realize that a low WR is needed if one is not to eat his seed corn.
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Old 02-01-2019, 07:09 AM   #16
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PS. Of course an ER needs to withdraw money to live on, but it's sobering to see how much financial gain one gives up by retiring early. If instead of taking money from his stash one lets it grow, the compounding effect is huge. I am not even talking about adding more savings to it, because when the stash gets big, the additional yearly saving becomes insignificant.

I am not talking anyone into doing OMY, but one should realize that a low WR is needed if one is not to eat his seed corn.
Giving up financial gain? The whole point of retiring is to give up future earning power (financial gain) in return for doing what you want for the rest of your life!

Yes, I know exactly how much we spent since we retired. It’s amazing we have as much left, but otherwise it doesn’t bother me one little bit.

For me I’m delighted if our investable net worth is keeping up with inflation since retiring. Even that is not necessary as long as we don’t spend down too fast.
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Old 02-01-2019, 07:20 AM   #17
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I guess I was fortunate to be working part-time, and on-off too, for 9 years prior to full retirement. The income was enough to live on without withdrawing anything from the stash.

The work was interesting, and I could have gone on forever. I now have to create technical work for myself and spend money doing that instead of getting paid.

Can't be traveling all the time, ya know? It would become tedious, like work.
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Old 02-01-2019, 07:26 AM   #18
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Up 5.85% YTD all in. I was -3.27% YTD for 2018, so very happy, we will see what happens.
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Old 02-01-2019, 07:27 AM   #19
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Giving up financial gain? The whole point of retiring is to give up future earning power (financial gain) in return for doing what you want for the rest of your life!

Yes, I know exactly how much we spent since we retired. Itís amazing we have as much left, but otherwise it doesnít bother me one little bit.

For me Iím delighted if our investable net worth is keeping up with inflation since retiring. Even that is not necessary as long as we donít spend down too fast.

We can't spend down fast enough even if we wanted to. That's good news to our only child who is trying to make money by performing music . He will retire well. But still, we try our best to spend his inheritance .
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Old 02-01-2019, 07:30 AM   #20
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I had to wait until this morning to get all the totals in, but it looks like for the month of January, my return is about 7.94%. Hopefully, it holds! I've now "made back" more in 2019, than what I "lost" in all of 2018.


And, of course, the year is far from over, but on a dollar basis (rather than percent) 2019 is already my 4th best year, ever! I only need that return to get to around 8.5% to make it my 3rd best, 11% to make it my second best, and 15.5% to make it my best ever. Again, on a dollar basis, not percentage-wise.
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