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Old 12-30-2011, 09:23 PM   #121
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-4.58% for the year. Hopefully next year will be better for internationals...
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Old 12-30-2011, 11:02 PM   #122
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After withdrawals, up 4.3% for the year. No complaints considering my conservative overall mix. My biggest stock winner this year was MCD. Bought early in the year and it closed up almost 36%. Too bad I didn't buy a crap load of it.
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Old 12-30-2011, 11:55 PM   #123
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Final for 2011 : +13.8% IRR, -3.2% withdrawals, +10.6% change in balance for 100% equity portfolio (mid-large cap, US based with lots of international exposure, dividend paying)
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Old 12-31-2011, 08:12 AM   #124
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Up about 3%, mostly stocks. One is my former employer which did very well during this year.
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Old 12-31-2011, 09:31 AM   #125
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Up 6.87%. All dividends reinvested - don't start withdrawals for 2 more years. 45% Wellesley, 45% Vanguard Retirement Income, 10% short-term bonds and CD's. Overall I'm pleased with results especially considering the international stock portion was down around 14%.
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Old 12-31-2011, 09:35 AM   #126
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Final number: +8.85% XIRR, about 30-35% stocks, no withdrawals.

Best investment: LOW (+35% since I bought it in 08/11/2011)
Worst investment: DW's company stock (-56% for the year)

US stocks: +16.7%
International stocks: -7.9%
TIPS:+52%
Nominal, taxable bonds:+3.64% (return was dragged down by PIMCO total return fund - the only bond option in DW's 401K)
Munis:+9.70%
CDs:+4.5%
I-bonds: +1.57%
Cash: +0.03%
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Old 12-31-2011, 09:53 AM   #127
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This was a rare year when everything was in the black! Everything except the I-bonds is in a mutual fund.

+5% I-bonds
+10% Dividend equities
+7% Corporate bonds
+13% TIPS
+1% S&P 500 index

Overall we're +7% on a weighted average basis. These numbers are pure performance (e.g. contributions do not increase these numbers).
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Old 12-31-2011, 09:55 AM   #128
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Final number: -6.5%.

Not making any withdraws. Almost all of the loss is non-us investments which were -14.6%.

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Old 12-31-2011, 01:08 PM   #129
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Final number, IRR of 6.17%
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Old 12-31-2011, 01:22 PM   #130
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However, looking at my core portfolio which is all vanguard, I am 60% Total Bond, 42% Total Stock and 18% Total International - the composite return on that YTD is only 0.97%.
You did what I did a while back. Increased my assets by getting to be more than 100%. Or did I add wrong.
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Old 12-31-2011, 01:43 PM   #131
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You did what I did a while back. Increased my assets by getting to be more than 100%.
Too many chemicals?
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Old 12-31-2011, 03:44 PM   #132
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I am up 0.6% so far. Nothing to write home about, but a heck of a lot better than 2008!
I ended up +0.25% YTD - ouch on the international exposure, best performers were bonds and REITs. On to next year!
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Old 12-31-2011, 03:50 PM   #133
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Being heavy on overseas equities, precious metals & mining, inverse funds, and large cap financials depressed 2011 returns to 0.2%
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Old 12-31-2011, 04:33 PM   #134
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I am up 1.18% in 2011. It would be 3.5% if I adjust for spending of dividends. Moving more $$ into Long Term Cal. Tax free bonds helped, but it was a tough year.
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Old 12-31-2011, 08:47 PM   #135
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-.63 for a ~80/20 Stock/Bond Allocation.
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Old 01-01-2012, 08:23 AM   #136
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a paltry 1.9%
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Old 01-01-2012, 11:26 AM   #137
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TSP accounts up less than .5%. IRAs up 16.4%. Overall up approx 8.4%. No taxable investment accounts.
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Old 01-01-2012, 11:39 AM   #138
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TSP account up 0.62% and Roth up 3.2%.
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Old 01-01-2012, 09:31 PM   #139
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After withdrawals, up 4.3% for the year. No complaints considering my conservative overall mix. My biggest stock winner this year was MCD. Bought early in the year and it closed up almost 36%. Too bad I didn't buy a crap load of it.
Up 4.3% after withdrawal and still complaining!

I do not own MCD, nor follow it, but have held BMY (Bristol-Myers) which pays even better dividends. Just now compare the two, and they tracked fairly well over last year. In fact, they also tracked well over 3 years, but not over last 5 years. BMY has higher volatilities, however.

This is not the first time I have observed some strangely strong correlation between two stocks of completely different industries, over some particular periods of time. Pure coincidence, or are there some underlying reasons? Could it be simply that investors flocked to dividend stocks of any kind? Both currently boast higher P/E than the S&P as the whole. Hmm... May have to pull trigger on this BMY thing...

In any event, I certainly do not have enough of BMY, hence my poor performance for 2011.
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Old 01-02-2012, 12:29 AM   #140
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+5.5%. Winners: Bonds and AAPL, losers: TSM and International. Spent 2.8%. Phew, another year in the black!
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