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12-10-2011, 08:59 AM
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#21
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Recycles dryer sheets
Join Date: Nov 2011
Location: Katy
Posts: 97
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AA 35/65 +3.62% YTD. CDs are part of my cash reserve and not included in AA.
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12-10-2011, 09:01 AM
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#22
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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Quote:
Originally Posted by Huston55
NWB-
You're RE and in the enviable position of working part time only when you choose to. I call that a WIN in any book.
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Thanks!
But I am very greedy and hate to lose money in the market. I do not have as much problem buying low, as I have in selling high. When I was in the accumulation phase when working full-time, I just did the "buy, buy, buy" when the market was low. But now, I must learn to time the market rebalance more systematically, or able to conquer greed. It might be easiest to just let Wellesley do it.
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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12-10-2011, 09:07 AM
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#23
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 9,067
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3.9% ytd
__________________
Retired 3/31/2007@52
Investing style: Full time wuss.
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12-10-2011, 09:10 AM
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#24
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Moderator Emeritus
Join Date: May 2007
Posts: 12,890
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Including everything in our portfolio (stocks, bonds, CDs, money market funds, mutual funds, precious metals):
+8.3% YTD using the XIRR method.
+7.6% YTD using: (interests+dividends+realized gains+unrealized gains YTD)/value of portfolio on 01/01/2011.
I was roughly 30-35% equities all year. TIPS were very good to me this year.
Note: I don't consider checking and savings accounts part of my retirement portfolio, and they are not included in the calculation.
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12-10-2011, 09:16 AM
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#25
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
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After withdrawals I'm still up slightly, thanks in no small part to having 40+% in Wellesley, which is up 7.8% YTD. Psst...
__________________
Numbers is hard
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12-10-2011, 09:18 AM
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#26
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Sep 2005
Location: Northern IL
Posts: 26,806
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Some are referring to their Net Worth, but the OP is talking performance (net of withdraws and contributions).
Also, as the song goes, "Compared to What?".
Looking at Yahoo adj prices, I get:
Code:
SPY +1.69%
VBTLX Tot Bond Fund +6.5%
VWIAX (pssssst) +7.84%
I'm heavily weighted Equities, and Junk (which I count as 1/2 Equities), and my main accounts (didn't add up some of the small ones), is 1.67%, just a shade under the SPY.
My options trades did not work to my advantage this year - the caps on gains exceeded the premiums received, but very close to break even on that. Better luck next year?
-ERD50
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12-10-2011, 09:21 AM
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#27
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Gone but not forgotten
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 11,447
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My portfolio is up 4.6% as of today .
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12-10-2011, 09:36 AM
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#28
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Thinks s/he gets paid by the post
Join Date: Feb 2006
Posts: 4,872
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Quote:
Originally Posted by Huston55
My "1 yr" return is substantially higher than my 2011 YTD return, as is likely for most folks, due to the run-up at the end of last year.
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Yep that's true, I was using Vanguards tools and they don't have YTD numbers. Also I included my after tax account and there's been a lot of activity in that to pay down the mortgage. For just the retirement portion I'm at +7.2% for one year and if I take YTD returns over beginning balance I'm at +5.4%. Thank you Wellesley.
__________________
“So we beat on, boats against the current, borne back ceaselessly into the past.”
Current AA: 75% Equity Funds / 15% Bonds / 5% Stable Value /2% Cash / 3% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
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12-10-2011, 10:08 AM
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#29
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Full time employment: Posting here.
Join Date: Feb 2006
Posts: 599
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Equities (70%) down 3.5%................Cash/bonds (30%) about flat.
I diverted some cash into my little used car lot however, and that's doing well!
__________________
ER'ed from the new car business Feb 2008. I'm 47, she's 45. Two boys ages 15 and 13. DW is SAHM. I've got a part-time used car lot I w*ork at 3 hours a day that keeps me in beer money.....
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12-10-2011, 10:25 AM
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#30
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Moderator
Join Date: Feb 2010
Location: Flyover country
Posts: 25,155
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YTD, up a little over 5% which is enough to make me feel pretty good. I've beaten the S&P 500 total return for seven years in a row now, so I guess I'm doing something right. About 70% equities.
__________________
I thought growing old would take longer.
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12-10-2011, 10:54 AM
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#31
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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What I meant was to ask about the portfolio performance, with any withdrawal or addition accounted or compensated for, but did not know the exact way to phrase it. But ERD50 understood me.
Quote:
Originally Posted by ERD50
Some are referring to their Net Worth, but the OP is talking performance (net of withdraws and contributions).
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Quote:
Originally Posted by FIREd
Including everything in our portfolio (stocks, bonds, CDs, money market funds, mutual funds, precious metals):
+8.3% YTD using the XIRR method.
+7.6% YTD using: (interests+dividends+realized gains+unrealized gains YTD)/value of portfolio on 01/01/2011.
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Good for you!
With all that gain, if you need to diversify away from foie gras and truffle, I just found out that one can mail order a 8-lb jamon iberico for a bit more than $1200. Something for you to consider.
Quote:
Originally Posted by cardude
Equities (70%) down 3.5%................Cash/bonds (30%) about flat.
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Hey, thanks for posting!
Quote:
I diverted some cash into my little used car lot however, and that's doing well!
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Aren't you glad you have some other activities to bring in some revenue? It's the same here.
Anyone else in the red? Please be manly and speak up. Don't be shy!
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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12-10-2011, 11:14 AM
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#32
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Recycles dryer sheets
Join Date: Nov 2010
Posts: 241
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Overall, about .51 percent for the year. I am in the process of making my portfolio less aggressive, so I've starting buying short term bonds, dividend paying stocks, and have put a significant amount into MITXF.
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12-10-2011, 11:34 AM
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#33
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Dryer sheet aficionado
Join Date: Nov 2011
Posts: 48
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I'm -6% YTD.
100% equities. US portion of portfolio is flat. Hurt by non-us which is -13% YTD.
2011: -6% (YTD)
2010: +18%
2009: +34%
2008: -45%
2007: -3%
2006: +23%
2005: +14%
2004: +19%
2003: +41%
2002: -18%
2001: -4%
T
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12-10-2011, 01:17 PM
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#34
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Full time employment: Posting here.
Join Date: May 2010
Posts: 862
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My portfolio is up by 3.2% YTD, before retirement withdrawals.
After 9 months of ER withdrawals, it is essentially flat, which is not good, but acceptable given the upheavals of this year.
I was heavy in corporate bonds, bought in 2008, so the bonds are providing me with steady income. Equities did not do well this year, unfortunately.
May divert some to Wellesley, as I read here that many of you have done well in that fund.
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12-10-2011, 01:46 PM
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#35
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,021
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IRR ytd is 5.26% and that takes into account the withdrawals and deposits throughout the year. AA is currently 32/64/4, invested mostly in Wellesley and target retirement funds, with a chunk in I-Bonds and a decreasing amount in CD's. (The last CD matures later this month).
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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12-10-2011, 02:10 PM
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#36
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Thinks s/he gets paid by the post
Join Date: Jul 2006
Posts: 1,901
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Quote:
Originally Posted by MichaelB
Our portfolio is up 4.7% so far. At least our withdrawal is covered this year.
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+1. 38% equities, 42% bonds and 20% cash/cd's.
__________________
“I guess I should warn you, if I turn out to be particularly clear, you've probably misunderstood what I've said” Alan Greenspan
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12-10-2011, 02:28 PM
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#37
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Oct 2006
Posts: 7,733
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Quote:
Originally Posted by NW-Bound
What I meant was to ask about the portfolio performance, with any withdrawal or addition accounted or compensated for, but did not know the exact way to phrase it. But ERD50 understood me.
!
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I periodically run a balance sheet and separate financial assets from my couple of pieces of real estate and any mortgages associated them.
Figuring performance for my retirement accounts is easy since I am not withdrawing from them.
It is tougher to figure my performance for my non retirement accounts. I do have a fixed transfer from brokerage accounts to my checking account each month. But I have say I don't keep careful track of my actual spending and it isn't uncommon for me to move money back and forth from
checking to brokerage accounts. At the end of the year maybe I'll try and reconcile my cash flows.
One question I have all of you with real estate is how do you keep track of the performance of real estate. This year I bought a condo in Vegas. The purchase price I include in my financial performance. Sadly the damn thing isn't rented, so the $250/month expense I lumped in with my living expenses. Which I know is wrong.
At some point it will be rented and generating positive cash flow. These cash flows will then been invested first in financial instruments and then perhaps later in real estate. I am curious how to people separate these classes out for tracking investment returns.
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12-10-2011, 02:33 PM
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#38
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
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My Fidelity 401K reports a YTD gain of 0.4%. The sad thing is that this easily beats a money market fund.
Like many others, this has been dragged down considerably by international equity funds.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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12-10-2011, 02:35 PM
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#39
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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Wellesley for you too, ziggy? :-)
Seriously, I did not do a lot of trading this year, and as I have weathered the storm up to this point, I am going to hold what I have for a while longer. My stocks are good companies, but they are more economic sensitive (high beta), hence got beaten down worse than the market. I am not going to change horse midstream now.
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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12-10-2011, 02:58 PM
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#40
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Recycles dryer sheets
Join Date: May 2011
Posts: 154
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My 401K YTD is 6.9%...bought/sold VGTSX, VIGRX, VMGRX while mkt was flip-flopping. Held PTTRX and Stable Value
IRA is -8.2%.....all stocks(they'll recove some time)
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