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Old 01-01-2011, 08:02 PM   #61
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Thanks Audrey!
So then my return was 12 percent! Great as I'm hoping for 6 percent annually.

Portfolio is 62 stock, 25 bonds, rest cash.

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Old 01-01-2011, 08:08 PM   #62
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Using Fidelity's calculator, right at 9.5%. Not bad with a 25/75 allocation. My equities are mostly individual stocks.
Agreed - not bad. Your return on equity is about 19% (which is better than the total us market and S&P 500 fund) if a return of 6.5% on fixed income is assumed.
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Old 01-01-2011, 08:14 PM   #63
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I'm up 17.5% for the year. That includes going through part of the year with 35% in cash. Portfolio currently 60% equities, 30% FI and 10% cash.
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Old 01-01-2011, 08:17 PM   #64
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My 401K is up 17.6%, 79/13/8. My non-qualified account is up 4.13%. It has a lot of fixed income in it. I have recently moved more of that into the market as I expect it to continue to move up in 2011.
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Old 01-01-2011, 08:20 PM   #65
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12.72% is a good return. You may want to include dividends, if any, as new contributions.
No - you don't have to include the dividends as new contributions - they are not. They are part of the total return for the year - part of your portfolio gain.

The dividends should be part of the final total portfolio number unless you withdrew them from the portfolio, in which case you need to add them back in to the final number as withdrawals.

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Old 01-01-2011, 08:45 PM   #66
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No - you don't have to include the dividends as new contributions - they are not. They are part of the total return for the year - part of your portfolio gain.

The dividends should be part of the final total portfolio number unless you withdrew them from the portfolio, in which case you need to add them back in to the final number as withdrawals.

Audrey
You are right - my mistake.

The quick ROI formulas are very good except they may underestimate returns (albeit very, very little) as the time period over which money is invested into account or withdrawn from the account is ignored, assuming all deposits are invested at once, in January or all withdrawals are performed in December.
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Old 01-01-2011, 09:08 PM   #67
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I'm up around 15% give or take a little. The net worth is up about 5.5% after spending way more than I should have.
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Old 01-01-2011, 09:13 PM   #68
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Up 20.2%, all equities slice and dice with a little cash towards the end of the year.
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Old 01-01-2011, 09:35 PM   #69
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The quick ROI formulas are very good except they may underestimate returns (albeit very, very little) as the time period over which money is invested into account or withdrawn from the account is ignored, assuming all deposits are invested at once, in January or all withdrawals are performed in December.
That's right, but you would have to do a much, much more complex calculation that would increase with the number of additions or withdrawals per year. You might even start having to use calculus!

If contributions or withdrawals are even throughout the year it might be easier to get a closer approximation - even though the market performance is not even throughout the year.

But I suspect it's not worth the extra effort. An approximation is usually good enough.

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Old 01-01-2011, 11:15 PM   #70
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Liquid Net Worth up 13.8% for 2010 which includes additional savings.

Allocations changed thruout the year rolling from bond funds to more equities around the August time frame. The allocation roughly for the most part was 50% CDs, 40% in equities and bonds and 10% outright cash (still have memories of 2007/2008).

The bond/ equity portfolio is up 14.18% for the year using Audreys calculation.
The CD fixed income side is up 5%. The rest of the net worth increase came from the additional savings.
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Old 01-01-2011, 11:23 PM   #71
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My IRA was up 256% for 2010...I did a lot of trading lol. Etrade commisions were $1453.00!!!

Might go a bit more conservative in 2011.
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Old 01-01-2011, 11:28 PM   #72
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I'm down ~17% this year.
My allocation was 40% stocks, 40% bonds, 20% new kick ass diesel pusher tag axel'd motorhome I'm still driving around in circles with.

I think I win.... no?
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Old 01-01-2011, 11:33 PM   #73
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Eh, if your diesel pusher is part of the AA, then your portfolio should not be considered down that much. No?
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Old 01-01-2011, 11:46 PM   #74
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I took a 1 time charge....(to quote a notorious popular CAN bank)
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Old 01-02-2011, 07:56 AM   #75
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Took another look at my retirement accounts....calculator is saying 17.87% for 2010, all index funds.

Non qualified was less, but I had a fair amount of cash and income producing holdings in there
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Old 01-02-2011, 08:13 AM   #76
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12.58%.

AA is 60% equities (12% international, 48% domestic)/40% bonds

I'm content.
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Old 01-02-2011, 09:08 AM   #77
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I should say I wasn't a constant 25% stocks the entire year. But, probably not much more than 30% at anytime during the year. And a couple of stocks performed nicely which gave equity portion a boost. So better than I should performed with a conservative mix.
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Old 01-02-2011, 09:33 AM   #78
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Managed portfolio, for the most part. Blended return of 14.6%.

11/30 allocation in managed portfolio was 66% equity, 27% bonds and 7% cash/other.

First year in the last four where I did not beat the S&P 500 (15.06% total return).
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Old 01-02-2011, 09:56 AM   #79
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+12%. And delighted with it.
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Old 01-02-2011, 10:05 AM   #80
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This is the year my portfolio went positive from what it lost in 2008. That alone makes it a good year.

But to make it even better, I managed 16.3% on an 80/20 portfolio.
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