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Old 09-20-2009, 12:11 PM   #1
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Oct 2007

I was just wondering how far down folks are sitting at this point from Oct of 2007. From what I can tell I'm still down about 20%.
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Old 09-20-2009, 12:26 PM   #2
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I'm down 14% which is amazing considering how low I was at one point .
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Old 09-20-2009, 12:28 PM   #3
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Same as Moemg - down just under 14%.

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Old 09-20-2009, 12:40 PM   #4
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Looking at ONLY the accounts I haven't been adding to since October 2007: -21% about -19% (fixing earlier inaccuracy)

Looking at ALL retirement accounts, including the 401K and Roths I've been steadily funding since then: -13%.
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Old 09-20-2009, 12:47 PM   #5
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-16.1% return Sept 30 2007 - Sept 18 2009, 100% stocks
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Old 09-20-2009, 12:51 PM   #6
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Dang. Did you have to ask that just when I was beginning to feel good again? Still down 11.5%.

I don't really expect to recoup all of that any time soon. Maybe I don't even want to: I think a good bit of that peak was bubble and I don't want to go there again. I'll rebalance on the way up, but all sorts of securities take a beating when panic hits and that is just too scary.
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Old 09-20-2009, 12:52 PM   #7
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Dang. Did you have to ask that just when I was beginning to feel good again? Still down 11.5%.
Still feels good when one recalls being down 30-40% (or more) a little more than six months ago...
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Old 09-20-2009, 12:53 PM   #8
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Down about 15%, but remember that 2007 had a nice run-up to October, so our portfolio is up since January 2007.
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Old 09-20-2009, 01:07 PM   #9
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Still feels good when one recalls being down 30-40% (or more) a little more than six months ago...
I admit it. I stopped looking at my balance when the market tanked and didn't look again until May. I'm a wuss, what can I say?
I don't know what my balance was at the bottom (If Vanguard keeps history other than month end, I don't know how to find it), but at the end Feb I was down 23.3%. That is bad enough for me.
My hat is off to you folks who stuck it out with aggressive portfolio's. My risk aversion is part of why I am not IndependentlyRich.
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Old 09-20-2009, 01:25 PM   #10
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It was probably best to not have looked at the bottom .At that point jumping off my deck looked like a good idea !
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Old 09-20-2009, 02:09 PM   #11
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Portfolio return since 10/01/2007: +4.5% (cumulative internal rate of return)
Portfolio balance since 10/01/2007: +46.6%

At the worse point during the crisis (at least so far ):
Portfolio return: -48.3% (cumulative internal rate of return)
Portfolio balance: -26.8%

Take a peek at the roller coaster (Keep in mind, we are still working and actively adding to our portfolio which is "only" in the mid/high six figures):
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Old 09-20-2009, 02:11 PM   #12
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I thought this was gonna look a lot worse. I am down 2.1% from October 2007 and up 17.1% for the year (as of closing Friday). So it was turns out to be a good thing that I made absolutely no changes to our portfolio during that period -- took nothing out, put nothing in, and made no AA adjustments.
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Old 09-20-2009, 02:14 PM   #13
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I haven't done these figures in while. But I am also much better off than I was just a few short months ago.

I am down 12%; of that 6% is net expenses, and 2% is federal income tax paid.

Although it seems clear that the recession is lightening, I am not at all sure that we are safely home from the securities investing battlefield.

Ha
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Old 09-20-2009, 02:25 PM   #14
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I just took a better look and I'm down about 16%. I forgot to add in the Pen Fed stuff.
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Old 09-20-2009, 02:31 PM   #15
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Down 11%. I was 51/49 at the time.
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Old 09-20-2009, 02:57 PM   #16
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Quote:
Originally Posted by FIREdreamer View Post
Portfolio return since 10/01/2007: +4.5% (cumulative internal rate of return)
Portfolio balance since 10/01/2007: +46.6%

At the worse point during the crisis (at least so far ):
Portfolio return: -48.3% (cumulative internal rate of return)
Portfolio balance: -26.8%

Take a peek at the roller coaster (Keep in mind, we are still working and actively adding to our portfolio which is "only" in the mid/high six figures):
WOW! All time high
How'dya do it?
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Old 09-20-2009, 03:09 PM   #17
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Like FireDreamer I can't really give a % since I have made contributions of over $130K since 1/1/08 and my balance is higher than it was. (we live well below our means).

IRR in 2008 was -16.25%, IRR this year is +11.49%

$'s lost in 2008 was $210,242, $'s gained 2009 is $152,926 ytd, so we still have ~$60K to make up in gains to offset the losses.
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Old 09-20-2009, 03:32 PM   #18
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WOW! All time high
How'dya do it?

First we continued to add money to our accounts (not being retired can be a blessing sometimes!).

Second, we invested heavily in equities between 10/08 and 03/09, and particularly asset classes that had been beaten down the most, i.e. REITs, small caps, and international equities (I explained how I rebalance and change my AA based on market conditions here: Market timing: Buying on the dips)

VGSIX is up more than 100% since March.
NAESX is up 87% since March.
Company stock is up 82% since March.
VEIEX is up 92% since March

I did the same with my bond funds and took advantage of dips in VWITX, VIPSX and PTRAX to load up. They have all returned about 10% since I bought them late last year.
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Old 09-20-2009, 04:40 PM   #19
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I'm up about 15% from Oct. 07 (after withdrawals) and 25% from ER in June 07.

Unfortunately, my personal all time high was in June of 2008. Still down about 25% from there.

You can probably infer from this that you might not approve of my AA.
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Old 09-20-2009, 05:58 PM   #20
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Totally agree that retiring and having the market dive within 2 years IS a BAD THING to happen and could potentially change your plans. I was lucky and have a decent pension (boy does that help) and had over-engineered my FIRE portfolio. I am in the enviable position of not having to sell any of portfolio for withdrawals (just eating some of the interest).

down 17% from the low, with minimal withdrawals (less than 2%).

at the lowest, approximately down a bit more than 40%
AA was 60/40. Not done any rebalancing, now about 54/46
... this generates a question for another thread ....

I am still pleasantly surprised that it has recovered as quickly as it has. I had expected it to take two years or so to get to this point.
I know it's not over ... been expecting a retracement for weeks now.
hmmm time to take some 'profits'? (can one call it that? )
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