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Old 01-04-2011, 05:29 AM   #121
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Congratulations to all those who are up more than 5%. Being 100% in CDs, money markets I am at about 3.5% for 2010.
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Old 01-04-2011, 10:57 AM   #122
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Up 12.8% (70/25/5)
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Old 01-04-2011, 10:59 AM   #123
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Congratulations to all those who are up more than 5%. Being 100% in CDs, money markets I am at about 3.5% for 2010.
Aren't you worried about inflation?
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Old 01-04-2011, 01:01 PM   #124
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We are up about 9.5%. 50/50 target, but ended year closer to 55/45. Bonds are mostly tax-free munis, so would probably be in 10-11% range with taxable bonds. Plan to rebalance to 50/50 by buying some taxable total bond index this month. Don't feel like adding more muni exposure this year, and tax advantage is not as big a deal now that there is no W2 income. Good news is that we managed to pay all the bills, and the portfolio is still up 7%! No complaints, Woo Hoo!
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Old 01-04-2011, 05:26 PM   #125
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Our portfolio ended up 13.5% for 2010.

At the end of the year, asset allocation was

48% Domestic Stocks
31% Foreign Stocks
7% Bonds
14% Cash

We started the year with almost zero allocated to cash and more to stocks. I lightened the stock weighting throughout the year.
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Old 01-04-2011, 10:29 PM   #126
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12.1%, 50/50.
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Old 01-04-2011, 11:31 PM   #127
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9.18%. 50/29/21
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Old 01-04-2011, 11:46 PM   #128
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14%. Unbelievable.

93% equities, no bonds, 7% cash. A quarter of the equities is in an MSCI EAFE ETF (EVF).

I think we're going to go nuts this week or next and boost that cash stash back up to around 10% by selling off a bit of our small-cap value ETF (IJS). You've all been warned and can now place your trades accordingly...
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Old 01-05-2011, 12:51 AM   #129
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100% equities, primarily one stock that was heavily traded. No one would believe my returns so will not post but they wildly exceeded my expectations. No guts no glory they say but will take a more conservative approach for '11.
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Old 01-05-2011, 01:00 AM   #130
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100% equities, primarily one stock that was heavily traded. No one would believe my returns...
As a holder of individual stocks myself, I know everything is possible if one is heavily concentrated in a few stocks, particularly in high-beta ones.

Among my stocks, I usually have a few that triple or quadruple, but because I only have 1% in each such position, it just helps a little bit when everything is added up.
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Old 01-05-2011, 01:11 AM   #131
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Hello FinanceDude - Yes I am but 1) my professional and volunteering activities do not leave me much time to study stocks 2) I am very risk averse.

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Aren't you worried about inflation?
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Old 01-05-2011, 01:18 AM   #132
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You can buy some diversified MFs that are relatively safe. I do it the "hard" way because I enjoy it, but the truth is that return over time is not guaranteed to be any better than psstt Wellesley.

Too bad Uncle Mick has not been around lately, but search for that mutual fund name on this forum and you will see.
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Old 01-05-2011, 01:21 AM   #133
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100% equities, primarily one stock that was heavily traded. No one would believe my returns so will not post but they wildly exceeded my expectations. No guts no glory they say but will take a more conservative approach for '11.
While your approach is not the one generally advocated here, including by me, I have admitted to having too large a portion of my NW in former mega-corp options. While I had to get rid of a bunch this year, before they expired, they still make up 20% of our investment portfolio.

I wouldn't recommend your method to anyone, but when you get lucky, you get lucky. Now, I'm going to exercise the rest of my options, head for Vegas and pick RED, er Black, er Even, er.........
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Old 01-05-2011, 01:36 AM   #134
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I don't know how to figure out my portfolio returns for last year, because I had a big single contribution to my Roth IRA when I cashed in an Ameriprise VA, rolled it into my other IRA and closed the Ameriprise account. I'm not sure I could figure out the performance on my 457 either, because the amount of my contributions changed during the year. That may happen again this year and I don't know how to take it into account. I have a program in my trusty ol' HP41s that does financial calculations, but it will only take equal payments, and I don't know how to set up a spreadsheet to track this. What do I need to do this year so next January I'll be able to answer the question?
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Old 01-05-2011, 02:07 AM   #135
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Being the perennial pessimist that I am, I am wondering if this time next year, we will be so willing to share our negative return numbers.
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Old 01-05-2011, 02:12 AM   #136
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100% equities, primarily one stock that was heavily traded. No one would believe my returns so will not post but they wildly exceeded my expectations. No guts no glory they say but will take a more conservative approach for '11.
At one point in 2010, up to 40% of our equity portfolio was invested in a single stock. The stock is a high beta, small cap biotech. It has gone up 400% over the past 2 years. But our position was also quite leveraged (stock options) so our returns over the past 2 years have been truly remarkable. We mostly cashed out in the past few months though and redeployed the money in more traditional investments.
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Old 01-05-2011, 02:15 AM   #137
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Being the perennial pessimist that I am, I am wondering if this time next year, we will be so willing to share our negative return numbers.
Well, this year I replied as follows.
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It did just fine.

I had a long post readied to post when I decided it just doesn't matter.
Next year, I'll just say "it sucked, but it just doesn't matter".
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Old 01-05-2011, 02:17 AM   #138
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It does not matter?

Spoken like a man in a country with free health care, and perhaps with a nice pension to boot.
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Old 01-05-2011, 02:55 AM   #139
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It does not matter?

Spoken like a man in a country with free health care, and perhaps with a nice pension to boot.
Health care is not free. I pay a lot of tax to pay for it. If the potion of my income tax since I was 21 that went to health care was returned to me and I had to pay for all of my families health care, my NW would be about 50% higher.

Sorry, just a DB DC pension (that is 60% my money) worth about 17% of NW.

You could check this post. If you PM me, I'll tell you what X is.

Edit to correct DB to DC.
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Old 01-05-2011, 09:28 AM   #140
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I think we're going to go nuts this week or next and boost that cash stash back up to around 10% by selling off a bit of our small-cap value ETF (IJS). You've all been warned and can now place your trades accordingly...
I think I bought some of your IJS last time you sold, so maybe I'll log in to fidelity and pick up some more quality Nords IJS. Worked pretty well for me last time..
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