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Old 01-02-2012, 12:55 PM   #161
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I've only been tracking using Excel since 1990 (me), and 1991 (DW).

Let's just say that our current total retirement holding value slightly exceed the amount we had on my retirement date in early 2007 (and that's with me drawing my total retirement income from my investments for close to five years). That's the only metric that I truly measure.

I guess the plan is working...
I also measure the annual Burn rate (2.45% in 2011), it helps us with long term planning and DW sleeps better.

In Excel, do you adjust for additions in your wife's portfolio (since she is w*rking)?
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Old 01-02-2012, 01:09 PM   #162
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In Excel, do you adjust for additions in your wife's portfolio (since she is w*rking)?
No, since she/we no longer contribute to our VG IRA's.

The last contribution was done in 2008, when she contributed to her Roth, and I also did the same - as a "spousal" contribution, based upon her still being employed.

After some analysis, we found that further contributions were no longer necessary on the IRA side. However, she continues to contribute via her company's 401(k) to pick up the "free money" via matching.

I'll admit that our plan has worked out "better than expected", due to her 401(k) contributions (which is very little overall, when compared to our total retirement assets); however, the fact that she has not withdrawn anthing (as planned) over the last +4.5 years has certainly helped out our total planning.

Her "efforts", along with changes in "harvesting gains" on a shorter time period (I sold off a lot of gains in April, based upon the increased asset valuation), along with converting a portion of our holdings (10%) to an SPIA upon my retiremet made a big difference a few years down the road.
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Old 01-02-2012, 03:03 PM   #163
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Old 01-02-2012, 06:39 PM   #164
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Hello
First time poster, lurking for a while. My return, I hate to talk about it, but! I invested with a financial advisor friend $425k in April, it is now $375K. he put it into FTJ, his advisior fee was 1%. I just transfered it to vanguard Wellesley and Vanguard Wellington. I did not pay attention to it after he took over, I rolled over a 401k. I went to the FTJ web site and 42% was in Vanguard money market and 20% was in vanguard short term bond fund. The rest was scattered around. Hopefully I will do better.

Mike
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Old 01-03-2012, 01:58 PM   #165
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I am down about -8% ytd. Ouch. I will know better more accurately at years end.
-7.4%

Reits good, Stocks OK, Emerging Markets bad, Janus Overseas Ouch!
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Old 01-03-2012, 03:40 PM   #166
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-6.9% Couldn't keep my hand off... That'll teach me!
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Old 01-03-2012, 03:50 PM   #167
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Careful, careful... Don't sell low...

For example, my performance was hurt by some natural resource foreign (or US with world-wide operations) stocks, like VALE, FCX, RIO, BHP, POT... (HFWR probably would like that last one!).

Today, they jumped 7% to 9%. Will see what happens next.
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Old 01-03-2012, 06:16 PM   #168
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Careful, careful... Don't sell low...

For example, my performance was hurt by some natural resource foreign (or US with world-wide operations) stocks, like VALE, FCX, RIO, BHP, POT... (HFWR probably would like that last one!).

Today, they jumped 7% to 9%. Will see what happens next.
I have been trying not to sell low for a few years now. Hope I can hang on a few more months.
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Old 01-03-2012, 06:37 PM   #169
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A few years? Uh Oh...

I guess I have been luckier with the above stocks. It all depends on when you bought.

These stocks tanked in the 2nd half of 2011, when the entire world economy slowed down. So, I "lost" money on them last year, but over all, I am actually in the green with all of them, except for BHP.

With FCX and VALE, despite their recent slump, I still have around 40% gain. I have held these for a little more than 2 years, so still consider them a good trade even on an annualized basis.
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Old 01-03-2012, 06:47 PM   #170
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Final totals -2.2%. My best performers were TIP & REIT EFTs.

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Old 01-04-2012, 09:42 AM   #171
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As stated by Vanguard.

Personal rate of return 12/31/2011 (my account)
1 year 0.9%
3 years 16.3%
5 years 8.0%

Personal rate of return 12/31/2011 (DW)
1 year 6.3%
3 years 11.6%
5 years 6.8%

Wife is 9 years older than me so I focus her account in dividend etfs.
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Old 01-04-2012, 10:56 AM   #172
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YTD 2011 up 2.29%, not great.....
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Old 01-04-2012, 11:49 AM   #173
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YTD 2012 up 2.29%, not great.....
Better than -2.29% ...
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Old 01-04-2012, 12:08 PM   #174
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After withdrawals to fund the 66% of our annual expenses not covered by SS, our portfolio ended up 1.5% for the year.
After withdrawals to fund 75% of expenses not covered by our pension, our portfolio remained the same. No loss....no gain. Could have been worse I reckon.....
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Old 01-04-2012, 12:32 PM   #175
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I'm happy enough. Despite withdrawals covering everything but my teeny tiny pension, my portfolio is still more than 1% bigger this year than one year ago. So, like you two, I am not headed out to the street corner with a tin cup full of pencils, quite yet.
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Old 01-04-2012, 12:39 PM   #176
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...I am not headed out to the street corner with a tin cup full of pencils, quite yet.
So I can't call you "Ralphie" (from A Chrismas Story)? ...
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Old 01-04-2012, 01:00 PM   #177
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Well, ladies and gentlemen, we should all subtract 3.5% from our portfolio performance, as that is about the inflation rate for 2011.

And thank you all for posting! Come on, people with international equity exposure, come clean and 'fess up.

And by the way, as I posted on another thread, S&P forward P/E is now at 12, compared to its average of 15. Of course, it is anybody's guess as to whether S&P earnings will be revised downward or upward in the days ahead.

Additionally, I read somewhere that MSCI emerging stock index has an even lower P/E of 11.

Meanwhile, the 10-year T-Note yield is slowly inching up to 2%. Yes, 2%/yr for the next 10 years, while the inflation is already almost twice that. What do you do? Heh heh heh...
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Old 01-04-2012, 03:44 PM   #178
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I am pleased to report that after the market rally on 1/3/12 that my 2012 YTD annualized return is 156.39%!!!

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Old 01-04-2012, 03:52 PM   #179
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Is that all?

My return on Jan 3, extrapolated and compounded to the year end, is 3,355% on an annualized basis.

I used 251 trading days. What did you use?

And they say you can't withdraw more than 4%/year?
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Old 01-04-2012, 04:30 PM   #180
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Is that all?

My return on Jan 3, extrapolated and compounded to the year end, is 3,355% on an annualized basis.

I used 251 trading days. What did you use?

And they say you can't withdraw more than 4%/year?
I used what was on the Quicken YTD investment performance report that I ran.
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