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Old 11-30-2012, 11:31 PM   #81
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7.2% I am conservative and still alive and well...

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Old 12-01-2012, 09:30 AM   #82
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Quote:
Originally Posted by NW-Bound View Post
I have a correction to make regarding Quicken's reporting of investment performance.

I prefer to use the "ROI YTD" because it shows the true YTD gain, and does not annualize or project it to the year end.
That's what I use. Pretty straightforward and accurate enough.

Hmm, now that we've had a couple of recovery weeks I might be tempted to post my YTD results.
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Old 12-01-2012, 11:01 AM   #83
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+15.22% as of 12/1/2012.
That is our total portfolio increase, including 2011 year-end balances and all new contributions.

If I subtract 2012 contributions and other mumbo-jumbo, I get +12.35%. That is similar to ROI YTD as just mentioned.
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Old 12-01-2012, 11:33 AM   #84
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9.90% as of 11/30.

AA - 46/54 as of 11/30.
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Old 12-01-2012, 12:03 PM   #85
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AS of 10/31 - 11.4%
As of today - 8.5%

Asset allocation 55/45
That was on 11/15. Two weeks later, back up to 12.6%
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Old 12-01-2012, 12:09 PM   #86
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Originally Posted by NW-Bound View Post
I have a correction to make regarding Quicken's reporting of investment performance.

When I said the "Return" reporting numbers from Quicken did not include dividends, I meant its "Gain/Loss" numbers. The "Avg. Annual Return" and the "Return" columns do include dividends. I think the former uses IRR calculations, but am not sure how the latter is computed. Quicken even leaves the "Return" columns of some of my MF and stock positions blank, and I do not know what that is all about.

The "Gain/Loss", "ROI", "Avg. Ann. Return", and "Return" numbers are offered for time periods of YTD, 1 year, 3 years, and 5 years. For YTD numbers, the "Av. Ann. Return" number is annualized, as LOL observed. This extrapolates the return YTD to the rest of the year, which is of course not that meaningful as the market could easily change a couple of % in just a few days, even if these days are at the end of the year.

I prefer to use the "ROI YTD" because it shows the true YTD gain, and does not annualize or project it to the year end.

I apologize for any confusion my earlier post might have caused.
The problem that I have with the ROI YTD function in Quicken is that it works well for individual securities, but fails to capture the true ROI for the entire portfolio if you sold off some securities during the year. Once you sell a security, it is not taken into account anymore when calculating the ROI YTD. To test this, I "sold" the biggest loser in my portfolio YTD and presto, my ROI YTD shot up - as if this bad investment never happened.
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Old 12-01-2012, 12:10 PM   #87
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9.90% as of 11/30.

AA - 46/54 as of 11/30.
Sounds about right - Our AA 44/55 9.6% from VG
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