Join Early Retirement Today
Reply
 
Thread Tools Display Modes
Are you up or down as of 6/30 for the year?
Old 07-01-2015, 03:53 AM   #1
Full time employment: Posting here.
shotgunner's Avatar
 
Join Date: Jun 2008
Posts: 534
Are you up or down as of 6/30 for the year?

I was just checking my investments performance for the year through 6/30. I was above water for the year until the big drop this week but I now have a very slight loss in net worth, the loss includes my WR to live on, with only passive income to live on since 1/1/15 I am down slightly, .001 of total assets.

Just wondering how those who are living SOLELY off their portfolio are doing this year.
__________________
Never surrender what you really want for what you want right now.
shotgunner is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-01-2015, 06:03 AM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,204
While I don't think the way you are looking at it is the correct way to look at it since withdrawal rates vary greatly, my current retirement balance is 0.6% more than it was at the beginning of the year (after withdrawals).

There are a couple reasons that is not a good way to look at it. The 0.6% ignores dividends on my taxable accounts that I receive directly and are not reinvested. That would change the 0.6% to 0.88%. It also doesn't factor in withdrawals, which are 3% annually or 1.5% for the 1/2 year.
__________________
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
pb4uski is offline   Reply With Quote
Old 07-01-2015, 06:19 AM   #3
Full time employment: Posting here.
 
Join Date: Mar 2008
Posts: 968
up .81
bizlady is offline   Reply With Quote
Old 07-01-2015, 06:26 AM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Car-Guy's Avatar
 
Join Date: Aug 2013
Location: Texas
Posts: 10,836
up a little over 2% as of today.
Car-Guy is offline   Reply With Quote
Old 07-01-2015, 06:58 AM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
haha's Avatar
 
Join Date: Apr 2003
Location: Hooverville
Posts: 22,983
Up a bit.
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
haha is offline   Reply With Quote
Old 07-01-2015, 07:06 AM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 21,150
Whenever these show me yours and I'll show you mine threads come up, I am always in the bottom half. This time I am up 4.75% YTD, in the top half for the first time ever IIRC. Just shows every dog (AA) has it's day...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 07-01-2015, 07:32 AM   #7
Full time employment: Posting here.
 
Join Date: Oct 2006
Posts: 780
Looks to be up only about 1% since January 1.
__________________
***********
My motto is.... "a dollar saved is better than a dollar earned. I don't pay tax on the dollar I saved."
Tom52 is offline   Reply With Quote
Old 07-01-2015, 07:34 AM   #8
Recycles dryer sheets
prototype's Avatar
 
Join Date: Mar 2011
Location: North Carolina
Posts: 217
Total Return on portfolio Up 0.59% YTD 6/30

Total portfolio down 0.58% (mostly due to "spending" my after tax distro's).

Things were certainly looking a lot better at the end of Feb.
prototype is offline   Reply With Quote
Old 07-01-2015, 07:38 AM   #9
Thinks s/he gets paid by the post
 
Join Date: Nov 2006
Posts: 2,288
Total Return is +2.0% with 60 / 40 AA
Portfolio is +1.5% since beginning the year

But we are not living solely off of our portfolio.
utrecht is offline   Reply With Quote
Old 07-01-2015, 07:50 AM   #10
Full time employment: Posting here.
shotgunner's Avatar
 
Join Date: Jun 2008
Posts: 534
Quote:
Originally Posted by pb4uski View Post
While I don't think the way you are looking at it is the correct way to look at it since withdrawal rates vary greatly, my current retirement balance is 0.6% more than it was at the beginning of the year (after withdrawals).

There are a couple reasons that is not a good way to look at it. The 0.6% ignores dividends on my taxable accounts that I receive directly and are not reinvested. That would change the 0.6% to 0.88%. It also doesn't factor in withdrawals, which are 3% annually or 1.5% for the 1/2 year.
I am just looking at it in the simple manner of what has happened to my portfolio this year as I withdraw from it to live on. The market has not been doing much this year but enough to almost cover my withdrawals. It felt good to know that. It would feel better if it was up after withdrawals, but I ain't complaining.
__________________
Never surrender what you really want for what you want right now.
shotgunner is offline   Reply With Quote
Old 07-01-2015, 07:58 AM   #11
Moderator
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 10,622
I'll have to wait to get back to the main PC to get a number, but I just happened to have rebalanced, selling some US equities before this latest market action, so maybe that helped.
sengsational is offline   Reply With Quote
Old 07-01-2015, 08:03 AM   #12
Recycles dryer sheets
 
Join Date: Jul 2013
Location: Villa Grande
Posts: 275
Down 1%
TimSF is offline   Reply With Quote
Old 07-01-2015, 08:03 AM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 35,712
Up less than 1%, after adjustment for withdrawal.
__________________
"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)
NW-Bound is offline   Reply With Quote
Old 07-01-2015, 08:07 AM   #14
Thinks s/he gets paid by the post
grasshopper's Avatar
 
Join Date: Oct 2010
Posts: 2,459
Up, .997 with more than 25% of spending YTD on travel for a trip to the Galapagos/Machu Picchu. Current WR 2.5% so I may be a little behind except the next 6 months will probably be less than 1% WR.
__________________
For me experiences are not good or bad, just different
grasshopper is offline   Reply With Quote
Old 07-01-2015, 08:11 AM   #15
Thinks s/he gets paid by the post
John Galt III's Avatar
 
Join Date: Oct 2008
Posts: 2,775
Up 1 %. No withdrawals.
John Galt III is offline   Reply With Quote
Old 07-01-2015, 08:14 AM   #16
Thinks s/he gets paid by the post
Golden sunsets's Avatar
 
Join Date: Jun 2013
Posts: 2,518
Up 0.17% - no withdrawals and no additional contributions.
Golden sunsets is offline   Reply With Quote
Old 07-01-2015, 08:15 AM   #17
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Sep 2012
Location: Seattle
Posts: 5,991
Pretty flat for the year. Trading account still doing *ok* at 22% YTD but 401K has the most money and it is maybe up 1% YTD.
Fermion is offline   Reply With Quote
Old 07-01-2015, 08:16 AM   #18
Thinks s/he gets paid by the post
RockyMtn's Avatar
 
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,545
Up 1.12% as of yesterday.
__________________
FIRE'D in July 2009 at 51...Never look back!
RockyMtn is offline   Reply With Quote
Old 07-01-2015, 08:30 AM   #19
Thinks s/he gets paid by the post
 
Join Date: Mar 2009
Posts: 2,975
Up a tad from Jan. And down a little from the peak. Not enough either way to break out he calculator.
__________________
Took SS at 62 and hope I live long enough to regret the decision.
foxfirev5 is online now   Reply With Quote
Old 07-01-2015, 08:32 AM   #20
Thinks s/he gets paid by the post
 
Join Date: Aug 2005
Location: Crownsville
Posts: 3,696
I'm up about 3.46% for the year, but I'm still w*rking, so that doesn't really count. I did a quick calculation on how things would be if I was retired, subtracting out 401k contributions I made, and assuming a 3% SWR. I would still be up about 2.1%, so not too shabby I guess.
Andre1969 is online now   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Pay down existing mortgage or save up for big down payment? Andre1969 Young Dreamers 13 04-29-2010 10:05 AM
Total stock market was down 8% last year ... LOL! FIRE and Money 2 03-17-2007 07:45 AM
Housing prices down; Stock Market down; Economy slowing; & the benefits dex FIRE and Money 32 03-16-2007 04:46 PM
New retirement plan, 400 million in a year, no money down teejayevans Other topics 1 02-13-2007 12:38 PM
Buy House Now w/Low Down or Save Bigger Down? BigMoneyJim Young Dreamers 11 07-14-2004 04:23 PM

» Quick Links

 
All times are GMT -6. The time now is 04:24 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.