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Re: How was your January?
Old 02-01-2006, 04:32 PM   #21
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Re: How was your January?

Holy cow 4%

And how 'bout that 2/1! I wonder if my port. will see its shadow tomorrow?


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Re: How was your January?
Old 02-01-2006, 08:19 PM   #22
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Re: How was your January?

up 4.6% if valued in $US
up 2.5% if valued in $Can

allocation is about 25% Canadian equities, 30% US money market, 25% international (non-Canadian) equities, 20% US equities.

Since most of my investments are in the US and I plan on retiring in Canada, I have heavily weighted US money to internationals in an effort to skirt the Bush deficit tax. We'll see how this works out.
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Re: How was your January?
Old 02-01-2006, 09:36 PM   #23
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Re: How was your January?

This is no doubt a dum question. I'm just starting out on this board and tracking to FIRE. Plus I'm no math wizard.

How are you calculating your increases in assets? Do you track the percentages month to month?
And should you?

As a newbie, any guidance is appreciated.
Thanks.
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Re: How was your January?
Old 02-01-2006, 09:47 PM   #24
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Re: How was your January?

5.11
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Re: How was your January?
Old 02-01-2006, 10:00 PM   #25
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Re: How was your January?

Quote:
Originally Posted by Rosalita
How are you calculating your increases in assets?
Since almost all my assets are with Vanguard, they track it for me. You can do it manually by determining the amount of change in your asset value from the beginning of the month to the end of the month and dividing that amount by the beginning month value. That will give you the percent of increase or decrease.

The above will give you an accurate number unless you are adding to your assets (401k contributions, etc.). You should probably exclude those amounts to get a true percentage of the performance of your investments. But there are lots of different opinions on this particular subject. :P

Quote:
Originally Posted by Rosalita
Do you track the percentages month to month?
I don't, but you can tell by this thread that many do.

Quote:
Originally Posted by Rosalita
And should you?
Only if you are anal retentive.

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Re: How was your January?
Old 02-02-2006, 02:28 AM   #26
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Re: How was your January?

Quote:
Originally Posted by Rosalita
This is no doubt a dum question. I'm just starting out on this board and tracking to FIRE. Plus I'm no math wizard.

How are you calculating your increases in assets? Do you track the percentages month to month?
And should you?

As a newbie, any guidance is appreciated.
Thanks.
(Value on Jan 31 divided by Value on Dec 30) minus 1 expressed as a percentage

this assumes you have not put money in during the month. If you have, the calculation is a bit more complicated, although many investment brokers have websites that will figure it out for you.

As for whether or not you should bother--probably not. One month is really not a relevant timeframe. It's mostly about bragging and testosterone
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Re: How was your January?
Old 02-02-2006, 04:06 AM   #27
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Re: How was your January?

Having a bit less testosterone than others on this board (one hopes), I guess I was just intrigued. I'd never looked at a monthly number before, but it's pretty easy to do in Quicken: just pick the ROI report and set the time-frame, then have it sub-total by month. It takes the beginning and ending values, adding in any dividends received. At least, that's what I used.

It is a pretty silly exercise, not only because it won't tell you much about the past or the future.. it doesn't take into account the fact that some of your investments may have quarterly or semi-annual dividends or interest payments that may or may not show up in that particular month and skew things.. it's really only worth looking year-to-year.
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Re: How was your January?
Old 02-02-2006, 08:18 AM   #28
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Re: How was your January?

I think it's fun sometimes to look at a month's rate of return, especially if it's been a good month. Of course, you always have to remember that just because you had a good month, it doesn't mean the whole year will extrapolate out to that same percentage. For example, if you had a 4% gain in January, that doesn't mean you're going to have a 4% gain every month thereafter...factor in compounding and that would be about a 60% rate of return!

And of course, looking at a monthly return when you had a bad month is never fun.

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Re: How was your January?
Old 02-02-2006, 08:24 AM   #29
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Re: How was your January?

Warm, dry, lots of grasss fires
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Re: How was your January?
Old 02-02-2006, 08:27 AM   #30
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Re: How was your January?

I have no idea ... I am not looking at the wad until June.

Once I start looking at monthly swings, daily is next. *And I can't go there (as I'll start acting on the info).
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Re: How was your January?
Old 02-02-2006, 08:30 AM   #31
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Re: How was your January?

Up a little over 6.5%. I was sort of surprised it was that high. Must be my uncanny ability to pick the hottest, most high performing diversified basket of index funds. 8) Or dumb luck.

I'm sort of hoping stocks go on sale since I'm still in the accumulation phase.
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Re: How was your January?
Old 02-02-2006, 10:55 AM   #32
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Re: How was your January?

My bad... :P

I watch CNBC, and look longingly at my port quite often, but for now I'm reasonably well diversified, and have 10% cash for some bargain shopping, so I'm standing pat!!

Until I don't..
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Re: How was your January?
Old 02-02-2006, 06:09 PM   #33
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Re: How was your January?

You guys suck. Until today i was up only 1.5%. 5% would have been my entire years expenses...lol.

60% equities (20% international, 40% domestic). 40% Income (Bonds, ADVDX, TIPS).
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Re: How was your January?
Old 02-02-2006, 09:08 PM   #34
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Re: How was your January?

Never fear...

Haven't looked today - see, I can do it - but I think I'm no longer at 6%...
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Re: How was your January?
Old 02-02-2006, 11:05 PM   #35
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Re: How was your January?

3.17%
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Re: How was your January?
Old 02-02-2006, 11:20 PM   #36
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Re: How was your January?

Quote:
Originally Posted by Rosalita
How are you calculating your increases in assets?*
As a newbie, any guidance is appreciated.
Thanks.
Just think of a number that doesn't sound too fake, like maybe 5.63%, or 6.08%, something like that.

Cb, up 4.849% YTD
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Re: How was your January?
Old 02-11-2006, 09:18 PM   #37
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Re: How was your January?

January ROI = 4.88% (annualized)
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