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How is your Mutual Fund portfolio doing? 6 months into 2005.
Old 07-25-2005, 07:47 AM   #1
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How is your Mutual Fund portfolio doing? 6 months into 2005.

What I thought may be interesting, was if we specified our general portfolios with YTD (6 month) returns. What I was thinking of was, as we all love chatting about money so much, this may be fun as opposed to drudgery. It would also give us financial investment novices (Me), some comparison to my current CD only portfolio. I am still calculating mine and will post it later in the thread.

The responses I was thinking of, I am anticipating looking as follows: This is hyperthetical as I do not have any mutual funds at the moment. Please do not include individual stocks, ( ) or real estate rental returns. ()

Total Portfolio - $1m

Vanguard Wellesley Income Fund Inv VWINX - $500k or 50%
Vanguard REIT Index Fund Inv - VGSIX - $200k or 20%
Vanguard Pacific Stock Index Inv - VPACX - $100k or 10%
Vanguard Short-Term Invest-Gr Inv - VFSTX - $100k or 10%
Vanguard Admiral Trsy Money Mkt - VUSSX - $100k or 10%

Total 6m return before tax = $18,365

Thanks again for the financial insight.

SWR
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-25-2005, 09:23 AM   #2
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Re: How is your MF portfolio doing? 6 months into 2005.

Hmmmm

85% Vanguard Lifestrategy moderate (quasi 60/40)
15% Vanguard REIT Index

Expected yield for 2005 - about 2.9%

YTD - I'm 12 years into retirement - so the number is irrelavent.

In 8 yrs when I get to the eve of 70 1/2 and good old RMD - will switch the pie chart to 40/60 or Ben Graham's 50/50 - if I feel rich.

My asset distribution is based on age - not Mr Market.

Market's fluctuate - but the clock ticks on. So will gradually damp SD in my old age - so I can chrome and trick out my wheelchair and buy premium brand Viagra - say in my 80's.

Of course - if I get really lazy - will switch to Vanguard Target Retirement Series and let them do it.

And if the Viagra fails me - when I get really, really old - still have my individual stocks to putz with.
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-25-2005, 11:50 AM   #3
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Re: How is your MF portfolio doing? 6 months into 2005.

veipx/brsix/vtrix/vwo/vnq/pcrix/vgpmx/tip/pfuix/pebix 10% each.

5% total return YTD 22/7.

Biggest winner: VGPMX(metals) up 13.18% YTD, VWO(EM): 11.31% and VNQ(reits) 10.82%
Biggest "loser": PFUIX(for. bond unhedged) -6.59%, TIP 0.56%, BRSIX(micro): 1.35%

Cheers!
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-25-2005, 06:37 PM   #4
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Re: How is your MF portfolio doing? 6 months into 2005.

YTD up 3.5%

SP500 - 10.7%
RUSS2000 - 11.4%
INTL (MCSI EAFE) - 10.5%
(these are in-house funds in 401k that track the respective indices)

GLD - 4.6%
VEIEX - 5.1%

RWR - 7.5%
IGR - 5.2%
PCL - 1.3%

TIP - 15.1%
INT-TERM BOND FUND - 3.6%
(in-house fund in 401k that tracks the respective index)

VBR - 2.3%
JKL - 2.6%

ACAS - 1.4%
FRO - 1.6%

CASH/EQ - 13.3%

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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-26-2005, 01:03 AM   #5
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Re: How is your MF portfolio doing? 6 months into 2005.

Total "financial" NW: $477k (invested net assets, less estimated retirement tax liabilities)

Taxable Accounts
YTD
Total Current Yield % of
Return Taxable After-Tax Total NW Description
6.36% 6.08% 4.80% 49% Taxable Account #1
6.95% 8.53% 6.14% 4% Taxable Account #2
9.69% 4.11% 3.25% 6% DRIPs
3.15% 7.02% 4% SEP #1
3.89% 7.08% 12% SEP #2
4.06% 8.60% 5% ROTH
4.43% 7.78% 1% HSA Account
2.00% 3.10% 3% MO 529 Plan
3.30% 6.67% 10% I-Bonds, CD
2.50% 5.00% 1% Annuities
?? <1% Tropical Tree Farms investment

6.25% 5.48% Overall Net Worth

Percentages don't add up to 100% due to cash-on-hand waiting redeployment in new investments


Distribution of all Portfolios:
9.40% Common Stock
14.5% Municipal ETFs
1.70% Bond ETFs
6.70% REITs
14.3% Stock Funds (mostly International ETFs)
29.8% Preferred Stock
3.80% Individual Corporate Debt
1.50% Money Market Funds




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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-26-2005, 02:20 PM   #6
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Re: How is your MF portfolio doing? 6 months into 2005.

Peter76,

Can you share some ETF symbols? Thanks.
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-26-2005, 09:38 PM   #7
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Re: How is your MF portfolio doing? 6 months into 2005.

Quote:
Originally Posted by qbkatran
Peter76,

Can you share some ETF symbols? Thanks.
Muni ETFs:
MMA CHC VKA VGM VKQ VKV NZF NXP VOT VKS VKI NXQ NXR VKL KSM KTF NMI NUV DMF VMT APX OIC DSM OIA OIB

REITs
PFL EVV EFL ACG MSY CLP PLD HCN LXP STON PCC JRS SRO IGR OHI AHR AMV (warning Will Robinson: AMV has suspended their dividend for the time being)

Country/Stock ETFs:
SOR VWO ACAS DODFX IIF CEE RNE IFN EWZ LAQ EVT MSF TDF FVD SAF PTF RVT PGJ BTO BLU
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-26-2005, 11:11 PM   #8
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Re: How is your MF portfolio doing? 6 months into 2005.

Wauw Peter - you are running your own mutual fund!
Time to quit and do it full time as you have good results!
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 10:47 AM   #9
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Re: How is your MF portfolio doing? 6 months into 2005.

Man, compared to you folks I feel like an illiterate slug whose investment skills was based on the foundation of, CDs, treasuries, owning property, cash in mattress, did I mention CDs. Well 1 out of 5 ain't bad.

Thanks G-d (and me) for my last high paying job.

I still have a lot of learning and praying to do!
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 11:31 AM   #10
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Re: How is your MF portfolio doing? 6 months into 2005.



Quote:
( Re: How is your MF portfolio doing? 6 months into 2005.)
Does "MF" mean what I commonly hear as the meaning or is it some kind of portfolio? I just had to ask. MJ gave me the courage.
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 11:57 AM   #11
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Re: How is your MF portfolio doing? 6 months into 2005.

Exactly my choice of verbage - back when intercst published his real life portfolio's article:

Drat - Harry Dent and Warren Buffett.

Heh, heh, heh, heh - sigh!
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 12:20 PM   #12
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Re: How is your MF portfolio doing? 6 months into 2005.

Hey...I'm all of a sudden up almost 3% YTD. Not bad...but I have a question. Those of you still accumulating, how do you accurately determine your return with big chunks of money going in every other week?
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 12:43 PM   #13
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Re: How is your MF portfolio doing? 6 months into 2005.

Quote:
Originally Posted by Laurence
Hey...I'm all of a sudden up almost 3% YTD. Not bad...but I have a question. Those of you still accumulating, how do you accurately determine your return with big chunks of money going in every other week?
similar q applies to those of us who are withdrawing, taking money out periodically.

i'm lazy, so i figure my w/r is about the same as inflation, give or take, and look at my nominal returns as approximately real.

to tell the truth, i didn't even start calculating returns til recently.

i wish there was a good, easy program or spreadsheet where i could type in all my transactions (dates and shares, it would know prices and show the $ as a check for entry error) and automatically calculate my annualized return, correctly accounting for additions and withdrawals. then, id like to see what my return would have been if instead of buying/selling whatever i did, what if instead i had bought a basket of indexes at those same dates? maybe buying in a rebalancing way, buyingwhatever's most below target, selling whatever's most above.
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 01:19 PM   #14
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Re: How is your MF portfolio doing? 6 months into 2005.

My 401k website does the calc for me.
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 01:35 PM   #15
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Re: How is your MF portfolio doing? 6 months into 2005.

Quote:
Originally Posted by Martha

Does "MF" mean what I commonly hear as the meaning or is it some kind of portfolio? I just had to ask. MJ gave me the courage.
Sorry MF Meant Mutual Fund

SWR
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Re: How is your Mutual Fund portfolio doing? 6 months into 2005.
Old 07-27-2005, 01:37 PM   #16
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Re: How is your Mutual Fund portfolio doing? 6 months into 2005.

Duh. I should have been able to figure it out, but the alternative meaning was stuck in my mind.
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Re: How is your Mutual Fund portfolio doing? 6 months into 2005.
Old 07-27-2005, 01:45 PM   #17
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Re: How is your Mutual Fund portfolio doing? 6 months into 2005.

Great minds think alike!! 8)
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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 10:44 PM   #18
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Re: How is your MF portfolio doing? 6 months into 2005.

Quote:
Originally Posted by Laurence
Hey...I'm all of a sudden up almost 3% YTD. Not bad...but I have a question. Those of you still accumulating, how do you accurately determine your return with big chunks of money going in every other week?
Being a numbers man, I have quite the complex calculations to determine that.

Start with an arbitrary date. Let your portfolio 'share price' equal a benchmark (say, 100.00). Simply take the value of your portfolio (either your entire net worth, or keep separate values for each account), and divide it by your benchmark price. This gives you the total number of 'shares' in your account. Then, you only change the number of shares when you either contribute or withdraw from the account.

Ex:
Portfolio value: $100,000
Arbitrary Benchmark: 100.00
Total number of shares would be 100,000/100 = 1,000.00 shares

So, say 2 weeks later, you deposit $1,000. Right before you make the deposit, your account value has gone from $100,000 to $110,000. Your original total shares was 1,000.00. Your new portfolio price when you made the deposit was 110.00, ($110,000 portfolio / 1,000 shares) so your $1,000 contribution bought shares at $110.00/share (just like how a mututal fund works).

now comes the complex part.....you can start tracking your performance by using the "Price per share" in a number of ways: Year-to-date, trailing 12 months return, annualized total return since you started tracking it, etc. Some of the equations can involve some pretty heady math.

Also, to make it more complicated, I also like to 'dollar weight' my contributions. That means that if you start off with just $1,000 in 1995 and keep that original $1,000 in the account and let it grow to $2,000 in 2005, then suddenly deposit $1,000,000 into the account in 2005, using 'normal' equations your return-since-inception will drop to next-to-nothing since your $1,000,000 deposit dwarfs your portfolio value and has had just 1 day to grow, and hasn't done anything yet. To weight this factor in, I take the number of days from the deposit until now, and then multiply it by the value of the deposit. Sum up all of the "deposit-days", and divide it by the total deposits, to arrive at the "dollar-weighted days" that your portfolio has been growing.

You can then use these number of days in various formula to determine returns since inception, etc.

The "contribution weighted" method is most helpful in my IRA accounts, since my employer first started depositing my contributions as a % of salary in 1998, and I didn't make much as a summer intern when I first started (but have nice contributions these days). If I didn't dollar-weight my IRA contributions, it would show pretty meagher returns since inception since the account has mushroomed in value mainly due to contributions rather than returns.

NOTE: I didn't start the "benchmark" valuation tracking method until Nov 2004. If you start the benchmark method early enough, you can skip the 'contribution weighting' method, since, over time, your mutual fund-like calculations WILL automatically weight the dollars correctly. The only reason I use the dollar-weighted contribution now is that I know the exact dates of the contributions dating back to 1998, and I can calculate fairly accurate returns-since-inception to see how I've done in the past 8 or 9 years.

In about 10 more years, when I have enough data on the 'mutual fun-type' purchases, I'll ditch the whole dollar-weighted scoring.

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Re: How is your MF portfolio doing? 6 months into 2005.
Old 07-27-2005, 11:30 PM   #19
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Re: How is your MF portfolio doing? 6 months into 2005.

Quote:
Originally Posted by Laurence
. . . Those of you still accumulating, how do you accurately determine your return with big chunks of money going in every other week?
I let Microsoft Money do the calculation for me. I'm pretty sure a lot of posters here use Quicken and get their calculations from that program.
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Re: How is your Mutual Fund portfolio doing? 6 months into 2005.
Old 07-28-2005, 01:13 AM   #20
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Re: How is your Mutual Fund portfolio doing? 6 months into 2005.

Since I have decided on a set portfolio and have not done any w/d yet then I simply took the YTD returns from Morningstar rather than calculating the exact return.

My gambles as well as my hedgefund and RE has done much better but I did not include in the calculation as I generally focus on my base-portfolio.

Cheers!
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