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Half year FIRE portfolio status
Old 07-06-2005, 12:31 AM   #1
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Half year FIRE portfolio status

YTD my base portfolio did about 3%.

Commodities(11%), reits(again), EM debt as well as EM equity were the biggest winners, with my foreign developed bond fund PFUIX being down about 7% as it is not US $ hedged - a risk I am willing to continue to take.

The welcome surprise for me was the Vanguard PM fund VGPMX with it's broader exposure that include mining/diamonds Etc. actually ended up 5% ytd while a more gold focused fund like BGEIX ended down about 9%.

I have said it before; this year looks almost exactly like last year; a dull first couple of qtrs (last year trended downwards a bit, this year more flat) and then I hope that the end year will bring the same boost as last year!

How did your portfolios do?

Cheers!
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Re: Half year FIRE portfolio status
Old 07-06-2005, 11:38 AM   #2
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Re: Half year FIRE portfolio status

Before I stirred the pot, I was 8.5% for the prior 12 months, and about 4.5% ytd. Not bad.

I'm pretty happy with the precious metals fund. Owned it about a year and its up about 20% in that time period, and also threw off ~10% in dividends/capital gains into my checking account last december. Really offset the credit cards I ran up buying holliday gifts
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Re: Half year FIRE portfolio status
Old 07-06-2005, 11:41 AM   #3
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Re: Half year FIRE portfolio status

I did however well the S&P500 or Wilshire5000 did, more or less.

malakito.
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Re: Half year FIRE portfolio status
Old 07-06-2005, 11:52 AM   #4
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Re: Half year FIRE portfolio status

YTD

Self-manged IRA = 5.5%
Company 401k =4.5%
Individual Stocks =6%
Mutual Funds = 5%

Recently purchased 10 Vanguard funds so no performance yet on them.
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Re: Half year FIRE portfolio status
Old 07-06-2005, 03:18 PM   #5
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Re: Half year FIRE portfolio status

My 75% real estate portfolio is up 10% ytd (again). Rest is flat or down a couple %.

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Re: Half year FIRE portfolio status
Old 07-06-2005, 05:33 PM   #6
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Re: Half year FIRE portfolio status

YTD (actually to yesterday) including everything (stocks, funds, cash) up 2.63%. This is not a base portfolio, or just the good stuff, but everything including interest on checking account and losses with buying options. Assets are about 70% domestic stock, 15% foreign stock, 10% bond, 5% cash.

VFINX is down 0.5% for the same time period.
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Re: Half year FIRE portfolio status
Old 07-06-2005, 06:44 PM   #7
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Re: Half year FIRE portfolio status

Reason I say base portfolio is that I have some non-US RE and some offshore hedgefunds that would be hard to discuss in this forum so I do not include it here. Both are up about 10% YTD (with the RE gain being a guestimate). Cheers!
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Re: Half year FIRE portfolio status
Old 07-06-2005, 06:50 PM   #8
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Re: Half year FIRE portfolio status

I'm up 4.7% on "invested assets", includes stocks, cash, CDs -everything really. My only real estate is my home, and I don't track it.

This is after $14,000 in living expenses and $18,000 in income taxes.(2004 and 2005 Est.)* In other words, I paid out for this stuff, but I didn't adjust for it.

Ha
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Re: Half year FIRE portfolio status
Old 07-06-2005, 07:05 PM   #9
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Re: Half year FIRE portfolio status

Very so so year so far, up 1.35%, not counting real estate.

I should say this is net worth, after paying a bundle in income taxes. So I guess I can't complain.
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Re: Half year FIRE portfolio status
Old 07-06-2005, 07:12 PM   #10
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Re: Half year FIRE portfolio status

Quote:
Originally Posted by HaHa
I'm up 4.7% on "invested assets", includes stocks, cash, CDs -everything really. My only real estate is my home, and I don't track it.

This is after $14,000 in living expenses and $18,000 in income taxes.(2005 and 2005 Est.)* In other words, I paid out for this stuff, but I didn't adjust for it.

Ha
$18,000? We could live on $18,000. Anyway, net worth is flat now as
I/we are living off the base (plus DW wages). Basically, everything coming in is going out. If this continues forever, we will be fine.

JG
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Re: Half year FIRE portfolio status
Old 07-06-2005, 08:04 PM   #11
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Re: Half year FIRE portfolio status

Quote:
Originally Posted by OldAgePensioner
YTD

Self-manged IRA = 5.5%
Company 401k =4.5%
Individual Stocks =6%
Mutual Funds = 5%

Recently purchased 10 Vanguard funds so no performance yet on them.
And you are going back to work!!!
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Re: Half year FIRE portfolio status
Old 07-06-2005, 08:46 PM   #12
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Re: Half year FIRE portfolio status

Bumz,
yeah, but lots of other issues involved. I just failed to educate myself.
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Re: Half year FIRE portfolio status
Old 07-06-2005, 08:54 PM   #13
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Re: Half year FIRE portfolio status

Quote:
Originally Posted by MRGALT2U
$18,000? We could live on $18,000.*
This is because I sold some appreciated stock. I will pay less this year.

ha
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Re: Half year FIRE portfolio status
Old 07-06-2005, 11:54 PM   #14
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Re: Half year FIRE portfolio status

Hi OAP,
Your returns YTD looks quite good! about 5% across the board. Congrats! You however mention that you have dropped from 2M when FIREd 2 months ago to 1.92M now? That is a 4% drop.

May I ask how much you live on and how much you planned to live on if different?

With such good returns - and still dropping in NW about 4% one wonders where the money went? New sports car or other one time expenses? 8)

Also; the volatility will always be there - and 4% is NOTHING when looking at history.

Finally; you said you did not educate yourself enough; can you share a bit more here for us to learn from it?

Cheers!



Quote:
Originally Posted by OldAgePensioner
Bumz,
yeah, but lots of other issues involved.* I just failed to educate myself.
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Re: Half year FIRE portfolio status
Old 07-07-2005, 11:21 AM   #15
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Re: Half year FIRE portfolio status

Ben,
The gains I listed were just taking my 12-31-2004 statements vs 06-01-2005. Most of my $80k loss occurred in June/July and some were actually expenses.

But your question on why I claim "financial ER non-education" is because before I retired, I had:
1. Never even thought about buying bonds and as you can tell, I now nothing about them.
2. Never even thought of budgeting to know what actuall expenses were.
3. Never even considered low fee funds and the affect they have on income.
4. Expected that a financial advisor was better than sliced bread.
5. Never visited a retirement forum to get feedback from others.
6. No idea (and still don't) of what I want to do in retirement.
7. Not a clue.

So, if I read correctly, I flunk every issue on "How to Retire Early"..

I just assumed that $2mil was enough and everything else would fall into place. And that didn't happen for me.

I'm going back to work (granted, part-time) and I promise that I will be more knowledgeable than Bernstein when I retire again. As God is my witness, I will never be financially stupid again.
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Re: Half year FIRE portfolio status
Old 07-07-2005, 11:30 AM   #16
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Re: Half year FIRE portfolio status

Well, unpreparedness might indicate basic laziness, which makes you a dang fine ER candidate
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Re: Half year FIRE portfolio status
Old 07-07-2005, 11:31 AM   #17
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Re: Half year FIRE portfolio status

Don't beat yourself up too much OAP. After all, you did manage to accumulate $2,000,000.
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Re: Half year FIRE portfolio status
Old 07-08-2005, 09:38 AM   #18
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Re: Half year FIRE portfolio status

Martha,
I grew that money the hard way. Living way, way, below my means.

I could have been drinking Dom but I chose Korbel.

Could have driven SUV's, drove a Corsa. http://vauxhall.co.uk/showroom/searc...ehicleType=Car

My worldly goods are a desk, a commode(not that kind), a laptop, desktop, 2 guitars, a TV, DVD player, books and clothes.

The 2 guitars are going to be given away as soon as I find a way to put them in the hands of some youngsters with drive.

So, I've done nothing in life but save.
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Re: Half year FIRE portfolio status
Old 07-08-2005, 10:15 AM   #19
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Re: Half year FIRE portfolio status

Well said cut-throat.....
And AOP you have a standing invitation to come visit Lancelot and I in Thailand - you really should get some perspective - no way you can blow through 2M$ here - even if you tried! But more importantly - time to get a life...
Cheers!
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Re: Half year FIRE portfolio status
Old 07-08-2005, 11:04 AM   #20
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Re: Half year FIRE portfolio status

Cut-Throat,
Like Ben said, "well said".

Lots of people warned me before I retired. How does a person gain a passion?

I enjoy walking, watching and not much else tickles my fancy.
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