Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 07-04-2007, 04:01 AM   #41
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Feb 2007
Posts: 5,072
Quote:
Originally Posted by chinaco View Post
I do not have all of the numbers yet (missing a statement). But... It looks like approx 10%.
Mine is YTD... Plus I am allocated @ 70/30. We are a little heavy on the large cap allocation in equities. Plus, we have a substantial $ amount about 14% of the portfolio in DW MegaCorp profit sharing plan (that cannot be sold). On a Total return basis, that stock has declined a small amount (YTD).

All in all, If I can hang on to the 10% this year... I will be happy. Like everyone else, I want all I can get from the market... but my projections show me hitting my target ER amount in 4 years @ at a little less than 7%. . Now that I have about 10 Years of Withdrawal $ in fixed, any normal market correction or bear for several years should not upset my plans.

Oh... and by the way!

ARGHH... This limit on number of smilies is limiting my creativity!
__________________

__________________
chinaco is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-04-2007, 04:58 AM   #42
Recycles dryer sheets
 
Join Date: May 2007
Posts: 290
Quote:
Originally Posted by LOL! View Post
OK, if you do this, you must tell us what your benchmark did.
I don't know absolute numbers yet, but my portfolio is mostly index funds, whose benchmarks are, um, themselves. My individual stocks seem to be up a couple percent against their benchmark index YTD, but I suspect that is statistical noise. Haven't figured out a good benchmark for my individual bonds yet -- hmm, sounds like a good project.

But overall, my portfolio pretty much is its own benchmark.
Look ma, no tracking error!
__________________

__________________
bpp3 is offline   Reply With Quote
Old 07-04-2007, 05:32 AM   #43
Full time employment: Posting here.
 
Join Date: Jan 2004
Posts: 844
Quote:
Originally Posted by FIREdreamer View Post
I have a question,

which return do you guys report? The actual YTD (%) return or the Average annual return (%) YTD? Depending on where you get your data from (Quicken, mutual fund company, FA's statement...), the numbers reported might not be comparable.
My overall YTD (%) return is 8.2% but my Average annual return (%) YTD is 13.5%. I know the difference between the two, but which one are we using on this board?

My 14.7% is YTD...annualized it would be 29.4%...now wouldn't THAT be nice.....here is how mine is broken down by category:
Attached Images
File Type: png g.png (18.9 KB, 12 views)
__________________
farmerEd is offline   Reply With Quote
Old 07-04-2007, 06:51 AM   #44
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,616
For Quicken and MSMoney users, one must use the reporting dates or period 1/1/2007 to 12/31/2007 to get the proper YTD return. If you use 1/1/2007 to say 7/3/2007, then the percent return is much higher.

An article on figuring out a good benchmark is found in the WSJ: Better Ways To Measure Your Portfolio - WSJ.com
__________________
LOL! is offline   Reply With Quote
Old 07-04-2007, 08:27 AM   #45
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Quote:
Originally Posted by yona View Post
I was very lucky this year. In the future I aim to 20-30% a year

Gain or loss?
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Old 07-04-2007, 10:12 AM   #46
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,612
For the first time since I started my asset allocation model (in 2000), I'n lagging the S&P 500. I'm currently at about 5.6% in my largest rollover IRA.

I'm getting killed by the 10% I have in REITs (down nearly 10% YTD), and the 20% in short term bonds are basically flat (up about 1.5%). The only asset classes beating large cap domestic in my portfolio are the internationals, largely due to the tanking dollar -- all of those are up in double digits.

Still, I'm not complaining; I was down only 5.4% in 2002 with this asset mix as the S&P fell 22%. And I've beaten the market every year, as I said, since I began this allocation model. It's overdue to mean-revert, though, which means large cap domestic has finally stopped underperforming, which will likely put my streak of 'beating the index' into the history books.

My 401K, though, is up about 8.5%.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline   Reply With Quote
Old 07-04-2007, 11:02 AM   #47
Thinks s/he gets paid by the post
 
Join Date: Nov 2005
Location: North of Montana
Posts: 2,753
Being arithmetically useless and spreadsheet shy, I calculated the return from various portions of out NW. FWIW our holdings are about:

25% DC pension fund
20% real estate (house, condo, farm land)
25% one big stock holding
20% diversified stock portfolio (mostly Canadian)
10% cash

Results are:

DC pension 5%
RE (boom on in western Canada) ~15 - 20%
big stock holding 46%
diversified stock portfolio 9%
cash 1.8%

All calculations use in C$, our American holdings have been clobbered by the rise of the C$. Since we don't include the RE in SWR calculations, I have no idea what this all means other than I should reduce the big stock holding.
__________________
There are two kinds of people in the world: those who can extrapolate conclusions from insufficient data and ..
kumquat is offline   Reply With Quote
Old 07-04-2007, 11:33 AM   #48
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,616
Quote:
Originally Posted by LOL! View Post
For Quicken and MSMoney users, one must use the reporting dates or period 1/1/2007 to 12/31/2007 to get the proper YTD return. If you use 1/1/2007 to say 7/3/2007, then the percent return is much higher.
Just to give you an idea of the difference that the date makes, I generated a report with MS Money "Performance by Investment Type".

If I pick "Year to date" which is 1/1/2007 to 7/4/2007, it reports 18.5% as the "Annual % return".

If I pick "Current year" which is 1/1/2007 to 12/31/2007, it reports 8.9% as the "Annual % return".

If I pick "Last 12 months" which is 8/1/2006 to 7/4/2007, it reports 22.2% as the "Annual % return".
__________________
LOL! is offline   Reply With Quote
Old 07-04-2007, 11:37 AM   #49
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Now we know why a lot of whizbangy funds, newsletters and 'systems' report great results...starting in 2002 or 2003...
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Old 07-04-2007, 11:43 AM   #50
Moderator Emeritus
 
Join Date: May 2007
Posts: 11,038
Using the 1/1/2007 to 12/31/2007 date range, the annual % return for my overall portfolio is 8% which is close to the 8.2% YTD return I approximated from Quicken's "investing activity" report..
__________________
FIREd is online now   Reply With Quote
Old 07-04-2007, 01:05 PM   #51
Thinks s/he gets paid by the post
 
Join Date: Aug 2005
Posts: 2,056
Just doing a quick-and-dirty calculation, I figure I'm up about 14.6%, as of yesterday. Basically I just took my portfolio balance as of yesterday, and divided by my balance as of 12/31/06 plus half of the contributions I've made this year. Which I figure is pretty accurate if I assume that I've contributed regular, even contributions over the first part of this year.
__________________
Andre1969 is offline   Reply With Quote
Old 07-04-2007, 02:35 PM   #52
Thinks s/he gets paid by the post
martyb's Avatar
 
Join Date: Nov 2006
Location: Bossier City
Posts: 2,182
I realize and admit freely I'm not the most knowledgeable guy in the world with this stuff, although I've learned a lot in my short stint on this board. However, at the risk of sounding like a DA, what exactly are we talking about here? Are we talking about the interest earned on investment money (ex my TSP/401k) earnings over the last 6 months of this year, or are we talking about how much % larger my account is in the same period including my contributions? I assume we're NOT talking about earnings over that last 12 months.... So, is we talking interest only, or interest + contributions, and for what period of time. I'm just wonderin' since my measly 7.53% has me feeling somewhat inadequate LOL!
__________________
martyb is offline   Reply With Quote
Old 07-04-2007, 02:50 PM   #53
Full time employment: Posting here.
 
Join Date: Jan 2004
Posts: 844
Quote:
Originally Posted by martyb View Post
I realize and admit freely I'm not the most knowledgeable guy in the world with this stuff, although I've learned a lot in my short stint on this board. However, at the risk of sounding like a DA, what exactly are we talking about here? Are we talking about the interest earned on investment money (ex my TSP/401k) earnings over the last 6 months of this year, or are we talking about how much % larger my account is in the same period including my contributions? I assume we're NOT talking about earnings over that last 12 months.... So, is we talking interest only, or interest + contributions, and for what period of time. I'm just wonderin' since my measly 7.53% has me feeling somewhat inadequate LOL!
I'd say just the increase in the value of your portfolio, not counting the contributions, in the period from 1/1/2007 thru 7/1/2007. If you had $100 on 1/1 and $115 on 7/1 and you didn't contribute any money, then you have a 15% YTD gain...etc.
__________________
farmerEd is offline   Reply With Quote
Ytd
Old 07-04-2007, 03:15 PM   #54
Thinks s/he gets paid by the post
martyb's Avatar
 
Join Date: Nov 2006
Location: Bossier City
Posts: 2,182
Ytd

Quote:
Originally Posted by farmerEd View Post
I'd say just the increase in the value of your portfolio, not counting the contributions, in the period from 1/1/2007 thru 7/1/2007. If you had $100 on 1/1 and $115 on 7/1 and you didn't contribute any money, then you have a 15% YTD gain...etc.
Yeah, that's what I was afraid of. Guess I'm stuck with my 7.53% then. I'm right envious of those 10% to 15% folks, but don't really know how to get there. My investements are in my TSP account, and I doubt there's a way to have made that kind of money this year thus far. If I'd been 100% in the International Fund, I'd be up 10.98 for the YTD, but of course there's a lot of downside to being all in a single fund with your retirement only 5 yrs out. Thanks for the clarification.
__________________
martyb is offline   Reply With Quote
Old 07-04-2007, 03:17 PM   #55
 
Posts: n/a
13.7%

Cash - 12.33%
U.S. Stocks - 35.03%
Foreign Stocks - 23.31%
Bonds - 28.42%
Other - 0.90%
__________________
  Reply With Quote
Old 07-04-2007, 03:36 PM   #56
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,616
Quote:
Originally Posted by martyb View Post
Are we talking about the interest earned on investment money (ex my TSP/401k) earnings over the last 6 months of this year, or are we talking about how much % larger my account is in the same period including my contributions?
It's tricky. We are talking about running one of 3 programs to calculate your return: (a) Intuit Quicken, (b) MS Money, or (c) the XIRR function in Excell. We need to enter all the transactions in our portfolios between 1/1/2007 and today, with the exact amounts and exact dates, all contributions, all withdrawals, all buys, all sells, all exchanges.

We are also must include ALL our invested assets, not just the ones that are easy to calculate and give a good number. That is, I didn't include just my wife's IRA that is up 327% this year. I didn't include just 403(b) which is up 13% so far this year. I included everything including the REIT fund that went down, my money market funds, my bond funds, my stock funds, my annuities, ..., everything.
__________________
LOL! is offline   Reply With Quote
Ytd
Old 07-04-2007, 04:16 PM   #57
Thinks s/he gets paid by the post
martyb's Avatar
 
Join Date: Nov 2006
Location: Bossier City
Posts: 2,182
Ytd

Quote:
Originally Posted by LOL! View Post
It's tricky. We are talking about running one of 3 programs to calculate your return: (a) Intuit Quicken, (b) MS Money, or (c) the XIRR function in Excell. We need to enter all the transactions in our portfolios between 1/1/2007 and today, with the exact amounts and exact dates, all contributions, all withdrawals, all buys, all sells, all exchanges.

We are also must include ALL our invested assets, not just the ones that are easy to calculate and give a good number. That is, I didn't include just my wife's IRA that is up 327% this year. I didn't include just 403(b) which is up 13% so far this year. I included everything including the REIT fund that went down, my money market funds, my bond funds, my stock funds, my annuities, ..., everything.
Since I'm only tracking my TSP/401 performance (my other retirement income will be from 2 cola pensions) what I used for my YTD performance was info from the TSP website that showed a 7.53% gain for the L2040 fund since the beginning of the year. I don't know how they calculate it, but that's what I used. Last year I was in the L2030, and the gain on that fund for the whole year was 14.58% IIRC. Unfortunately, for the month of June this year, I had a negative gain of .092. My current allocation is as follows:

7.20% - Govt. Securities
9.80% - Fixed Income (Bond) Fund
41.20% - S&P 500 Index
17.60% - Small Caps Index
24.20% - International Stock Index (EAFE)
__________________
martyb is offline   Reply With Quote
Old 07-04-2007, 05:30 PM   #58
Recycles dryer sheets
 
Join Date: Apr 2006
Location: Hardscrabble Texas
Posts: 372
I use a weighted average spreadsheet. On a pretty conservative mix I've gotten about +6.5% YTD.

49.12% stocks..... which includes 8% international---4% small cap.
27.77% bonds. (Total bond index)
23.11% cash
__________________
.....#.....
Poundkey is offline   Reply With Quote
Old 07-04-2007, 06:05 PM   #59
Thinks s/he gets paid by the post
tryan's Avatar
 
Join Date: Mar 2005
Posts: 2,449
Real Estate is DOWN about 15% in the north east. Safe to say it's a down year in the tryan household . Thank god for those rents .
__________________
FIRE'd since 2005
tryan is offline   Reply With Quote
Old 07-04-2007, 08:04 PM   #60
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Ed_The_Gypsy's Avatar
 
Join Date: Dec 2004
Location: the City of Subdued Excitement
Posts: 5,293
Not the best, better than most. I ain't gonna show my cards, though. Getting superstitious about jinxing the run.
__________________

__________________
my bumpersticker:
"I am not in a hurry.
I am retired.
And I don't care how big your truck is."
Ed_The_Gypsy is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Year One REWahoo Other topics 23 05-31-2006 03:38 PM
FireCalc: Year 1, 2, etc kat FIRE and Money 16 02-02-2006 10:41 AM
Year of the Dog Spanky Other topics 2 01-29-2006 12:33 PM
How should I invest my savings? dante60093 FIRE and Money 69 07-12-2004 03:46 PM
Question for Dory36 on FIRECalc moguls FIRE and Money 24 03-06-2004 06:03 AM

 

 
All times are GMT -6. The time now is 09:42 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.