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Old 07-04-2015, 11:05 AM   #81
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When does it first start to become meaningful?
Good question. Maybe when one knows they are losing significant capital without doing the arithmetic?
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Old 07-04-2015, 02:01 PM   #82
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Down itsy-bitsy (less than 0.2%), no withdrawals, no contributions. Primary weak holding is Wellesley Income, other holdings are also income (dividend) stocks.
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Old 07-04-2015, 02:52 PM   #83
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I'm either up or down but have yet to make any WDs. RMD will soon change that.
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Old 07-04-2015, 03:06 PM   #84
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I'm up about 2.5% for 2015 after accounting for withdrawals. Currently using a 63% equity, 12% bond, and 25% cash mix (I know, cash seems high, but it lets me sleep at night given the current environment). If the market picks up, I know I may not gain as much as others, but the return will still be good enough to offset my 4% withdrawal rate.
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Old 07-04-2015, 03:08 PM   #85
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Flat for the year including withdrawals.
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Old 07-04-2015, 11:00 PM   #86
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Up 5.73%. I have a heavy allocation to international, so I don't always track the main US indices. Last year I significantly lagged the US market returns. 100% equities other than a year or two sitting in cash or short term bonds.

I also got sort of lucky by following my rebalancing strategy and moving $ from REITs to international investments at nearly the perfect time.
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Old 07-04-2015, 11:18 PM   #87
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Investments up 1.9% YTD. Cash down 0.8%, but we have been deliberately spending "above our former means but still below our income means", as well as dealing with a couple of unexpected major bills. The net is still generating enough to keep by ER plans on track.
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Old 07-05-2015, 06:23 AM   #88
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Originally Posted by FUEGO View Post
Up 5.73%. I have a heavy allocation to international, so I don't always track the main US indices. Last year I significantly lagged the US market returns. 100% equities other than a year or two sitting in cash or short term bonds.

I also got sort of lucky by following my rebalancing strategy and moving $ from REITs to international investments at nearly the perfect time.
Rebalancing at the start of the year also had me selling REITs and buying international. Funny how that works.......
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Old 07-05-2015, 08:27 AM   #89
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As of Thursday's close, up .7%. I am OK with it considering I hold about 35% in cash currently.
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Old 07-05-2015, 05:59 PM   #90
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As of June 30, my Retirement Accounts - the bulk of my investable assets - are up 1.90% YTD. No withdrawals.
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Old 07-08-2015, 12:07 PM   #91
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Dollar-weighted IRR for total investable assets for the year through 6/30 = 0.51%.
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Old 07-08-2015, 12:16 PM   #92
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Having a substancial position in Kraft Foods is responsible for a good chunk of the gains.
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Old 07-08-2015, 12:36 PM   #93
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The thread title is "Are you up or down as of 6/30 for the year?"

6/30 is so passť now. A lot has changed in the few trading days since then.
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Old 07-09-2015, 09:27 PM   #94
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Up about +7%. Have significant stock options for former employer whose stock is up +9% - with the leverage from the options, it carries my whole rest of my portfolio, which is largely flat.


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Old 07-09-2015, 09:53 PM   #95
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The thread title is "Are you up or down as of 6/30 for the year?"

6/30 is so passť now. A lot has changed in the few trading days since then.
No kidding! Quite a downdraft there. S&P went negative for the year yesterday.
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Old 07-15-2015, 06:49 AM   #96
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As of 6.30 up 3%


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Old 07-15-2015, 08:18 AM   #97
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No kidding! Quite a downdraft there. S&P went negative for the year yesterday.
Yeah, it's been a rocky year, although I'm trying hard to focus on the percentage amounts rather than the dollar figures. I think I peaked out around 5.7% back in May, but was down to 3.46% at the 6/30 mark. I think I dropped down to around 2.5% during one of those early July routs, but now I'm back to around 5.4%.

In the overall scheme of things though, a 2-3% swing here and there is nothing to get into a panic over.
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Old 07-16-2015, 09:00 AM   #98
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Old 07-16-2015, 09:53 AM   #99
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YTD average across all accounts - up 2.1%


[edit] that included an $18k sale from after tax assets in Feb '15 to help cover expenses
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Old 07-16-2015, 10:33 AM   #100
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Counting the year's withdrawal (usually taken in January) I'm up slightly for the year. Haven't actually calculated, but know the biggest single effect is "left over" Megacorp stock which has been on a tear lately. Will dump mass quantities this summer to cover special charitable gift. Better news (off topic) is that I'm up from almost 10 years ago when I ERd. Figuring I'll only need another 20 years (or less, heh, heh) for my stash to cover. Still, the plan is for 30! YMMV
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