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Old 12-12-2011, 02:06 PM   #61
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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.
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Old 12-12-2011, 03:05 PM   #62
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Given the volatility your return could change +/- 10% by year end.
Yeah, today isn't helping. I thought those Euros solved the world's problems last week.
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Old 12-12-2011, 03:40 PM   #63
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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!
Yes, your memory IS good! And I tend to gloss over adjectives like "manly" anyway - LOL!

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Old 12-12-2011, 04:55 PM   #64
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Yeah, today isn't helping. I thought those Euros solved the world's problems last week.
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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Old 12-12-2011, 05:11 PM   #65
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Yeah, today isn't helping. I thought those Euros solved the world's problems last week.
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)
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Old 12-12-2011, 09:24 PM   #66
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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
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Old 12-12-2011, 09:51 PM   #67
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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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Old 12-12-2011, 10:04 PM   #68
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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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Old 12-12-2011, 11:51 PM   #69
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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!
For me it's just 1 button click in Quicken. And it takes care of contribs and withdrawals too.
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Old 12-13-2011, 05:37 AM   #70
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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!
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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Old 12-13-2011, 08:30 AM   #71
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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!
Both VG and FIDO web sites give you this number.
TJ
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Old 12-13-2011, 11:06 AM   #72
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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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Old 12-13-2011, 11:43 AM   #73
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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!
For me it is just a couple clicks in Quicken.
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Old 12-13-2011, 11:48 AM   #74
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A lot less painful and more rewarding than Federal Income Tax preparation.
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Old 12-13-2011, 01:52 PM   #75
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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.
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Old 12-13-2011, 04:51 PM   #76
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up about 0.9%
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Old 12-13-2011, 05:34 PM   #77
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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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Old 12-13-2011, 06:33 PM   #78
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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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Old 12-13-2011, 06:50 PM   #79
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I am down about -8% ytd. Ouch. I will know better more accurately at years end.
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Old 12-13-2011, 07:14 PM   #80
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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.


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I'm up about 9% YTD, although I'll admit I lucked out...
Eh, good luck or bad luck, a win is still a win, and my loss is still a loss.
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