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Returns year to date
Old 11-15-2012, 02:29 PM   #1
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Returns year to date

What sort of returns are you guys seeing year to date on your investment accounts? I just met with the guy from one of those brokerage firms you guys don't like and our returns are in the 9-10% range for the year. When I retire next year, I haven't decided whether to stay with them or pull everything and go to Vanguard or something. It would be interesting to know what sort of returns smarter, more experienced people are getting.

Thanks.
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Old 11-15-2012, 02:43 PM   #2
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Don't know about smarter, but psssst Wellesley is a pretty good proxy for the AA of many of us. According to yahoo.finance -

YTD Return*: 9.59%

-ERD50
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Old 11-15-2012, 02:43 PM   #3
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I was 13.7% (annualized rate) YTD through Oct 31 and am 11.3% (annualized rate) through the end of play yesterday, so broadly the same or perhaps a bit better.

Target AA for investment portfolio is 42 domestic stock/18 international stock/40 fixed income.
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Old 11-15-2012, 02:54 PM   #4
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Looks like about 10.4% YTD. I'm about 55/40/5
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Old 11-15-2012, 02:56 PM   #5
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I felt like I've taken quite a smack-down these past few weeks, but I just ran the numbers, and it's not quite as bad as I thought. As of yesterday's close, I'm up about 10% for the year. However, I was up about 15% at the end of October, and about 16% at the end of September.
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Old 11-15-2012, 05:40 PM   #6
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I would not consider myself, "smarter" or "more experienced". YTD our IRA accounts are up 8.5%. Our AA is approx 45/55 (equities/bonds). However we don't pay any fees out of that (we're with Vanguard)
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Old 11-15-2012, 06:13 PM   #7
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I would not be surprised if some of the "YTD" returns mentioned in this thread are from the last monthly statement or "Year-thru-October 31st".
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Old 11-15-2012, 06:38 PM   #8
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Quote:
Originally Posted by ERD50 View Post
Don't know about smarter, but psssst Wellesley is a pretty good proxy for the AA of many of us. According to yahoo.finance -

YTD Return*: 9.59%

-ERD50
Something I'm looking to do come February when a CD matures. Was getting 4.5% for the last four years but you know what has happened to fixed income investments. I'm leaning to some Wellesley conversatives. Any suggestions on conversative portfolios?
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Old 11-15-2012, 06:49 PM   #9
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The 9.59% return for Wellesley reported previously in this thread is only to Oct-31-2012 per Vanguard.
It is currently below 8.4% when I posted this.
https://personal.vanguard.com/us/fun...tExt=INT#tab=1

Wellelsey is 37% equities and 63% fixed income.
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Old 11-15-2012, 07:12 PM   #10
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Right around 10 percent and falling in light of present day political gamesmanship.
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Old 11-15-2012, 07:15 PM   #11
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9.9% YTD in spite of this week's disaster.
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Old 11-15-2012, 07:21 PM   #12
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About 3.2%.
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Old 11-15-2012, 07:25 PM   #13
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Can't I tell you where I was 9/14?
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Old 11-15-2012, 07:35 PM   #14
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I can't access any of my retirement money without penalties for several more years.

There is a finance professor who appeared on a local NPR radio broadcast monthly who always said you are not in a "price accumulation" mode, but rather a "share accumulation" mode. So, to me, the price drops lately may be a good thing since I get more shares, especially with the capital gains and dividend distributions that are upcoming (assuming reinvestment).

I think it's the same thing in reverse when you are decumulating, but you may need to pay more attention.
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Old 11-15-2012, 08:31 PM   #15
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As of 10/31/12 roughly 6.25%. Less now of course.
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Old 11-15-2012, 08:38 PM   #16
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AS of 10/31 - 11.4%
As of today - 8.5%

Asset allocation 55/45
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Old 11-15-2012, 08:45 PM   #17
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8.5% thru 10/31
6.8% thru today
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Old 11-15-2012, 09:06 PM   #18
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Mine was as of today. I guess it's doing pretty decent. My wife and I like the young guy who handles the accounts and the overall returns are reasonable, so maybe we'll stay with them a bit.
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Old 11-15-2012, 09:08 PM   #19
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Vanguard says 7% as of Oct 31. I was pleasantly surprised by this. Thanks for making me check.
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Old 11-15-2012, 09:24 PM   #20
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According to TSP, my last 12 months return is (as of Oct. 31st) 27.52%. I don't know what it is from 1/1/12 to date. Also, haven't looked in a couple of weeks, but at last glance, Vanguard said wife's rollover IRA was around 8.5% or so, roughly the same for our Roth IRA's.
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