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Personal investment returns: first half of 2010
Old 06-30-2010, 06:48 PM   #1
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Personal investment returns: first half of 2010

Overall, pretty disappointing. Results are pre-tax, not annualized, and do not reflect intraperiod contributions. From best to worst:

Vanguard corporate bond (VFICX): 7.1%
Vanguard total bond (VBMFX): 5.3%
Vanguard TIPS (VIPSX): 4.3%
Mortgage prepayment 2.8% (5.7% APR)
I-bonds: 1.8%
Bank savings account: 0.4% (0.8% APR)
Vanguard equity income (VEIPX): -5.2%
S&P 500 index fund: -6.7%
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Old 06-30-2010, 07:10 PM   #2
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From my 401k website. YTD is disappointing. The others are good and I didn't have much when the stock market plummeted since had just started working in 2007.
For the period (01/01/2010 - 06/29/2010)-4.48%

For the period (06/29/2009 - 06/29/2010)15.96%
For the period (01/01/2009 - 06/29/2010)27.78%
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Old 07-01-2010, 12:16 AM   #3
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Quote:
Originally Posted by soupcxan View Post
Overall, pretty disappointing. Results are pre-tax, not annualized, and do not reflect intraperiod contributions. From best to worst:

Vanguard corporate bond (VFICX): 7.1%
Vanguard total bond (VBMFX): 5.3%
Vanguard TIPS (VIPSX): 4.3%
Mortgage prepayment 2.8% (5.7% APR)
I-bonds: 1.8%
Bank savings account: 0.4% (0.8% APR)
Vanguard equity income (VEIPX): -5.2%
S&P 500 index fund: -6.7%
What is the overall YTD?
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Old 07-01-2010, 12:53 AM   #4
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Originally Posted by soupcxan View Post
Overall, pretty disappointing. Results are pre-tax, not annualized, and do not reflect intraperiod contributions. From best to worst:

Vanguard corporate bond (VFICX): 7.1%
Vanguard total bond (VBMFX): 5.3%
Vanguard TIPS (VIPSX): 4.3%
Mortgage prepayment 2.8% (5.7% APR)
I-bonds: 1.8%
Bank savings account: 0.4% (0.8% APR)
Vanguard equity income (VEIPX): -5.2%
S&P 500 index fund: -6.7%
It seems like you have quite a few investments that are up YTD.

My best investments YTD are:
Company stock +29.83% (+49.03% using stock option leverage)
Gold +13.01%
VBIIX +7.27% (VG intermediate bond index, taxable)
PTRAX +5.67% (PIMCO total return)
VGSIX +5.61% (VG REIT)
Silver +4.86%
VIPSX +4.28% (VG TIPS)

I have a bunch of investments that returned between 0% and 3%: CDs, I-Bonds, munis, etc...

My worse investments by far are international equities, followed by large cap domestic equities and general commodities:
VTRIX -14.70% (VG International Value)
VFWIX -11.57% (VG International large cap index)
VFSVX -6.67% (VG International small cap index)
PCRDX -6.44% (commodities)
VTSMX -6.00% (VG total market index)

*All numbers are from Morningstar.
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Old 07-01-2010, 07:04 AM   #5
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What is the overall YTD?
Overall, -0.3% YTD. I'm about 40% equities.
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Old 07-01-2010, 09:36 AM   #6
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I'm down 6.3%. Half US, half international. I expected to be down closer to 9%, but a healthy slug of REITs and small cap/small cap value dampened the loss back down to what the total US market loss was for first half of 2010.

100% equities.
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Old 07-01-2010, 09:45 AM   #7
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Down about 0.4%. About 45/45/10 equitites/bonds/cash in a very plain-Jane index portfolio. Nothing clever here. Withdrawing about 2% annually.
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Old 07-01-2010, 09:53 AM   #8
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-3.1% YTD, 100 percent large-cap domestic equities (JNJ, PG, KO, ADP, ABT, SYY etc).
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Old 07-01-2010, 09:56 AM   #9
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The first half of 2010 was a great time to be diversified and holding bonds. Unfortunately my 100% equities portfolio didn't benefit any from bonds' nice return.
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Old 07-01-2010, 10:07 AM   #10
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About 2/3 of my portfolio is invested either in company stock, cash, bonds, gold/silver or REITs and, as I mentioned above, those are some of my best performers. So I still have a positive rate of return YTD.
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Old 07-01-2010, 10:22 AM   #11
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Just finished updating Quicken and running our personal performance numbers:

6mo - 1.5%
18mo +11.2%
30mo - 2.9%
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Old 07-01-2010, 11:11 AM   #12
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Can I use Tuesday's share prices instead of today's? Just kidding, but as an aside, this week has been brutal.
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Old 07-01-2010, 11:37 AM   #13
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Down around 3%...

Better than a poke in the eye with a sharp stick.
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Old 07-01-2010, 11:46 AM   #14
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Down around 3%...
Yep. The market's usually a forward-looking thing, and for a long time it was pricing in a pretty decent recovery and perhaps a rebound in employment. Well, employment has had more than enough time to start rebounding -- and it ain't. So much for that recovery. With no jobs there's no optimism, no willingness to stop hoarding cash, no consumer confidence that they won't be the next layoff. And I just got my "no raises this year" notice for the fourth time in the last six years. (The other two years were 2%.)

The market, in short, now sees no significant job growth ahead.

Yeah, that's a motivation to go "stimulate" the economy...
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Old 07-01-2010, 12:05 PM   #15
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Just checked, down 3% YTD. Current AA is 65% stocks, 30% bonds, 5% REIT. Not thrilling but not as gut-wrenching as 2008, either.
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Old 07-01-2010, 01:21 PM   #16
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Up about 5.8%. Threw in the towel on sophisticated, supposedly conservative slice-and-dice portfolios after ours (based on Bob Clyatt's RIP allocation) lost ~23% during the meltdown (better than Harvard or Yale's endowments, but still.....). Switched to the Permanent Portfolio - no regrets:

Permanent Portfolio Mid-Year 2010 | Crawling Road

Bob Clyatt calls this portfolio a "bunker." Sounds good to me
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Old 07-01-2010, 01:35 PM   #17
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All I can say is, thank you, Bill Gross..........
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Old 07-01-2010, 02:37 PM   #18
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^That's it. All I can say is that I am selling all my PIMCO Total Return fund shares now.
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Old 07-01-2010, 02:41 PM   #19
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According to my Fidelity 401K web site:

Personal Rate of Return from 01/01/2010 to 06/30/2010 is -1.7%


AA is about 55/45 in that account.
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Old 07-01-2010, 03:11 PM   #20
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^That's it. All I can say is that I am selling all my PIMCO Total Return fund shares now.
Because I own some?
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