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Are you up or down as of 6/30 for the year?
07-01-2015, 03:53 AM
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#1
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Full time employment: Posting here.
Join Date: Jun 2008
Posts: 534
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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.
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07-01-2015, 06:03 AM
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#2
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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: 36,204
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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
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07-01-2015, 06:19 AM
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#3
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Full time employment: Posting here.
Join Date: Mar 2008
Posts: 968
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up .81
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07-01-2015, 06:26 AM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2013
Location: Texas
Posts: 10,836
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up a little over 2% as of today.
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07-01-2015, 06:58 AM
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#5
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2003
Location: Hooverville
Posts: 22,983
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Up a bit.
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"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
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07-01-2015, 07:06 AM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,150
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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...
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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)
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07-01-2015, 07:32 AM
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#7
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Full time employment: Posting here.
Join Date: Oct 2006
Posts: 780
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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."
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07-01-2015, 07:34 AM
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#8
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Recycles dryer sheets
Join Date: Mar 2011
Location: North Carolina
Posts: 217
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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.
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07-01-2015, 07:38 AM
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#9
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Posts: 2,288
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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.
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07-01-2015, 07:50 AM
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#10
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Full time employment: Posting here.
Join Date: Jun 2008
Posts: 534
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Quote:
Originally Posted by pb4uski
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.
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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.
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07-01-2015, 07:58 AM
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#11
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Moderator
Join Date: Oct 2010
Posts: 10,622
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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.
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07-01-2015, 08:03 AM
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#12
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Recycles dryer sheets
Join Date: Jul 2013
Location: Villa Grande
Posts: 275
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Down 1%
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07-01-2015, 08:03 AM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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Up less than 1%, after adjustment for withdrawal.
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"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)
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07-01-2015, 08:07 AM
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#14
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Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 2,459
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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.
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For me experiences are not good or bad, just different
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07-01-2015, 08:11 AM
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#15
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Thinks s/he gets paid by the post
Join Date: Oct 2008
Posts: 2,775
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Up 1 %. No withdrawals.
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07-01-2015, 08:14 AM
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#16
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Thinks s/he gets paid by the post
Join Date: Jun 2013
Posts: 2,518
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Up 0.17% - no withdrawals and no additional contributions.
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07-01-2015, 08:15 AM
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#17
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Sep 2012
Location: Seattle
Posts: 5,991
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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.
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07-01-2015, 08:16 AM
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#18
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Thinks s/he gets paid by the post
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,545
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Up 1.12% as of yesterday.
__________________
FIRE'D in July 2009 at 51...Never look back!
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07-01-2015, 08:30 AM
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#19
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Thinks s/he gets paid by the post
Join Date: Mar 2009
Posts: 2,975
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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.
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07-01-2015, 08:32 AM
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#20
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Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,696
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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.
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