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12-12-2011, 01:06 PM
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#61
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Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,691
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Given the volatility your return could change +/- 10% by year end.
My 401k is down (probably mostly due to international exposure), my conservative VG is up. Given the problems we've had this year, I consider that good.
TJ
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12-12-2011, 02:05 PM
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#62
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,313
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Quote:
Originally Posted by teejayevans
Given the volatility your return could change +/- 10% by year end.
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Yeah, today isn't helping. I thought those Euros solved the world's problems last week.
__________________
Idleness is fatal only to the mediocre -- Albert Camus
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12-12-2011, 02:40 PM
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#63
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by NW-Bound
And I thank you for not taking offense at my adjective of "manly", which might be construed as sexist. I do remember that you are the one making investment decisions rather than your husband, in addition to being the RV driver. Darn, my memory is GOOD!
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Yes, your memory IS good! And I tend to gloss over adjectives like "manly" anyway - LOL!
Audrey
__________________
Retired since summer 1999.
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12-12-2011, 03:55 PM
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#64
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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 donheff
Yeah, today isn't helping. I thought those Euros solved the world's problems last week.
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Don't worry the Euros will solve the problem tomorrow and the market will rally, until more problems with their solution will arise and the cycle will repeat.
The market this year is like a NBA game, just turn on the last 2 minutes (2 day) to see if you won or lost.
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12-12-2011, 04:11 PM
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#65
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Recycles dryer sheets
Join Date: Mar 2011
Location: Brooklyn, NY
Posts: 197
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Quote:
Originally Posted by donheff
Yeah, today isn't helping. I thought those Euros solved the world's problems last week.
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Euros is not going to be solved anytime soon. It's like watching an accident in slow motion. The moment market sees that Euros looks like veering away from the light pole, market goes up irrationally. Then sees that car is headed toward guardrail, then market goes down irrationally. In other words, market keep on reacting on perception of Euros until it comes to screeching halt. IMO, we'll continue this roller coaster until either Euros dissolved or wealthier Euro nations willing to share the burden of lesser nations debt. I only look at my 401k and IRA on Dec. 31 and do the AA on Jan. 1 of every year. But do dabble on individual stocks from time to time with my beer and womanizing money that I save on the side called Dirty Old Man Pleasure Fun (Pun intended)
__________________
The time to take counsel of your fears is before you make an important battle decision. That’s the time to listen to every fear you can imagine! When you have collected all the facts and fears and made your decision, turn off all your fears and go ahead! – General George S. Patton
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12-12-2011, 08:24 PM
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#66
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Recycles dryer sheets
Join Date: Dec 2007
Posts: 482
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OK...I'll play...
2007 - 18.5
2008 - (34.3)
2009 - 36.5
2010 - 16.9
2011 - (2.4)
That looks like a wild ride to me
__________________
Retire date Jan. 10, 2018
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12-12-2011, 08:51 PM
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#67
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Thinks s/he gets paid by the post
Join Date: Nov 2011
Posts: 3,865
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I'm stunned so many of you track these numbers so closely. I look at individual holdings to check their performance, but calculatng the total % return across all portfolio assets after allowing for all contribs and withdrawals feels too much like w*rk!
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12-12-2011, 09:04 PM
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#68
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Thinks s/he gets paid by the post
Join Date: Dec 2010
Location: USA
Posts: 1,050
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about - 3.5%, mainly index funds
real estate about +16%, not factoring in drop of real estate value, not planning to sell
67% investments / 33% real estate
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12-12-2011, 10:51 PM
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#69
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by GrayHare
I'm stunned so many of you track these numbers so closely. I look at individual holdings to check their performance, but calculatng the total % return across all portfolio assets after allowing for all contribs and withdrawals feels too much like w*rk!
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For me it's just 1 button click in Quicken. And it takes care of contribs and withdrawals too.
__________________
Retired since summer 1999.
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12-13-2011, 04:37 AM
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#70
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Quote:
Originally Posted by GrayHare
I'm stunned so many of you track these numbers so closely. I look at individual holdings to check their performance, but calculatng the total % return across all portfolio assets after allowing for all contribs and withdrawals feels too much like w*rk!
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Since my withdrawals are usually de minimis, I regard them as gravy and generally ignore them when checking portfolio returns.
The effort involved seems well spent since it's considerably less than that expended when I was employed, is about as rewarding as the compensation from my former employer and exclusively for my benefit as opposed to being largely for my employer's benefit.
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12-13-2011, 07:30 AM
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#71
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Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,691
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Quote:
Originally Posted by GrayHare
I'm stunned so many of you track these numbers so closely. I look at individual holdings to check their performance, but calculatng the total % return across all portfolio assets after allowing for all contribs and withdrawals feels too much like w*rk!
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Both VG and FIDO web sites give you this number.
TJ
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12-13-2011, 10:06 AM
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#72
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Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,695
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As of yesterday's close (12/12/11), I'm just about flat. Down maybe 0.3%. Just about all of my mutual funds are down. My two bright spots are my Scottrade account, and an old 401k I have from my days with Boeing.
The Scottrade account, which has mainly individual stocks in it, plus two REITs and a gold fund, is up about 20%. The Boeing 401k is up around 13%, thanks partly to a bit of market timing, frequent rebalancing, or whatever you want to call it. It has just two components, Boeing common stock and a bond fund. Stock goes up enough and I move some to the bond fund. Stock goes down, and I buy some back.
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12-13-2011, 10:43 AM
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#73
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,204
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Quote:
Originally Posted by GrayHare
I'm stunned so many of you track these numbers so closely. I look at individual holdings to check their performance, but calculatng the total % return across all portfolio assets after allowing for all contribs and withdrawals feels too much like w*rk!
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For me it is just a couple clicks in Quicken.
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12-13-2011, 10:48 AM
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#74
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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A lot less painful and more rewarding than Federal Income Tax preparation.
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12-13-2011, 12:52 PM
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#75
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Thinks s/he gets paid by the post
Join Date: Mar 2007
Posts: 1,854
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I'm up about 9% YTD, although I'll admit I lucked out. Due to the fast runup in Q2/early Q3, I pulled 70% of my portfolio out of the market on July 21st, and then put about 50% back in on August 18th...which turned out to be excellent timing. Part of the reason for the 70% removal was a simple asset allocation move...but given the run-up I took out a lot more than I normally would have.
Given that I'm only about 3 years away from some sort of "change" (hard to define yet what that will look like), I'm slowly dialing back the equity exposure.
__________________
"Live every day as if it were your last, and one day you'll be right" - unknown
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12-13-2011, 03:51 PM
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#76
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Confused about dryer sheets
Join Date: Dec 2011
Posts: 6
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up about 0.9%
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12-13-2011, 04:34 PM
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#77
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Recycles dryer sheets
Join Date: Jul 2011
Location: SoCal
Posts: 115
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Sadly down about 4%. Targeted mix is 30% foreign, 35% large cap, 20% mid/small, and 15% bonds. In reality, the funds I hold have more bonds and cash than my targets. Foreign took a beating; DODFX is down about 16% YTD!
Fortunately (or unfortunately) I'll be working for another 10 years, so still have some time to grow the portfolio. Perhaps I should target 20% bonds and cut back foreign to 25%
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12-13-2011, 05:33 PM
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#78
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Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 1,015
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According to VG,, my IRR thru 11/30/11 is +6.2%. Haven't taken any withdrawals this year, nor added any "new" money beyond reinvesting of capital gains/dividends.
No complaints given the roller coaster market!
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12-13-2011, 05:50 PM
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#79
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Thinks s/he gets paid by the post
Join Date: May 2008
Location: Cooksburg,PA
Posts: 1,873
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I am down about -8% ytd. Ouch. I will know better more accurately at years end.
__________________
Free to canoe
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12-13-2011, 06:14 PM
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#80
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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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Wow! Someone who's hurting more than I am. Amazing. Care to share your "method"?
As mentioned earlier, I was down because of concentration in foreign stocks, either in MF or individual shares, basic material companies in mining, energy, and finally semiconductors.
Quote:
Originally Posted by Finance Dave
I'm up about 9% YTD, although I'll admit I lucked out...
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Eh, good luck or bad luck, a win is still a win, and my loss is still a loss.
__________________
"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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