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Are you up or down as of 6/30 for the year?
Old 07-01-2015, 04:53 AM   #1
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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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Old 07-01-2015, 07:03 AM   #2
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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.
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Old 07-01-2015, 07:19 AM   #3
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Old 07-01-2015, 07:26 AM   #4
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up a little over 2% as of today.
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Old 07-01-2015, 07:58 AM   #5
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Up a bit.
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Old 07-01-2015, 08:06 AM   #6
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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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Old 07-01-2015, 08:32 AM   #7
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Looks to be up only about 1% since January 1.
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Old 07-01-2015, 08:34 AM   #8
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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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Old 07-01-2015, 08:38 AM   #9
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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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Old 07-01-2015, 08:50 AM   #10
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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.
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Old 07-01-2015, 08:58 AM   #11
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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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Old 07-01-2015, 09:03 AM   #12
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Old 07-01-2015, 09:03 AM   #13
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Up less than 1%, after adjustment for withdrawal.
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Old 07-01-2015, 09:07 AM   #14
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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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Old 07-01-2015, 09:11 AM   #15
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Up 1 %. No withdrawals.
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Old 07-01-2015, 09:14 AM   #16
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Up 0.17% - no withdrawals and no additional contributions.
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Old 07-01-2015, 09:15 AM   #17
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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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Old 07-01-2015, 09:16 AM   #18
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Old 07-01-2015, 09:30 AM   #19
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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.
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Old 07-01-2015, 09:32 AM   #20
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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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