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Second Quarter 2009 investment results
07-01-2009, 10:24 AM
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#1
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Thinks s/he gets paid by the post
Join Date: Nov 2007
Posts: 2,352
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Is anyone else pleasantly surprised by their quarterly investment performance? How did you folks do in the second quarter of 2009? What is your asset allocation currently?
For reference, the Vanguard S&P 500 Index fund is up 16.0% for the quarter. the VG Total Market Index fund is up 16.9%. The VG Total International Index fund is up 27.3%. The VG Total Bond Market Index is up 1.7%.
I'll be the first to share. My total portfolio is up 25.9% for the quarter. This is with a portfolio that is virtually 100% equities, equally split between US and International, with a tilt towards small and value, plus some REITs.
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07-01-2009, 10:35 AM
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#2
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Thinks s/he gets paid by the post
Join Date: Dec 2007
Posts: 4,404
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My 100% equities account is similar to yours. It was up 22.9%. Im basically indifferent. Specially after the 1st quarter slaughter and last year. 
__________________
If your gonna be dumb you gotta be tough
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07-01-2009, 10:37 AM
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#3
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Thinks s/he gets paid by the post
Join Date: Nov 2007
Posts: 2,352
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Let's not talk about 2008 and 1Q 2009.  Try to keep it a positive thread...
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07-01-2009, 10:40 AM
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#4
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Thinks s/he gets paid by the post
Join Date: Dec 2007
Posts: 4,404
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 Quote:
Originally Posted by FUEGO
Let's not talk about 2008 and 1Q 2009. Try to keep it a positive thread... |
Right! My bad.
We kicked butt! High fives all around whoo whoo! 
__________________
If your gonna be dumb you gotta be tough
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07-01-2009, 12:23 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Nov 2007
Posts: 2,352
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Heck yeah! Woo hoo! Unless you are someone who got scared around March and lowered your equities allocation. 
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07-01-2009, 12:25 PM
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#6
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Moderator
Join Date: Oct 2005
Location: Texas Hill Country
Posts: 7,253
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Up until early March, the market took care of lowering the equities allocation on its own...
__________________
"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)
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07-01-2009, 12:56 PM
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#7
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Thinks s/he gets paid by the post
Join Date: Jan 2007
Location: Silicon Valley
Posts: 1,027
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Looking at my Vanguard investments, profits I have made this year have wiped out my losses going back to October 2008. However, I still have losses from June thru to September to offset before I get back to a break even position.
__________________
I be a girl, he's a boy. Semi-FIRED July 08. Mid 40s, no kidlets. Likely to unSemi-FIRE last half of 2009 to sweeten the pot. Market crash of 2008 demonstrated we were not as comfortable with projected revenue as we thought.
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07-02-2009, 11:44 AM
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#8
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Full time employment: Posting here.
Join Date: Feb 2007
Location: Southeastern Michigan
Posts: 892
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Quote:
Originally Posted by DangerMouse
Looking at my Vanguard investments, profits I have made this year have wiped out my losses going back to October 2008. However, I still have losses from June thru to September to offset before I get back to a break even position.
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Same here.
Current AA is 64/36
__________________
The best things in life....are not things.
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07-01-2009, 04:03 PM
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#9
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Thinks s/he gets paid by the post
Join Date: May 2007
Posts: 2,488
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Up 15.5% for the quarter. AA is about 55/45. Net worth and portfolios at all time highs.
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07-01-2009, 04:07 PM
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#10
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Moderator
Join Date: Oct 2005
Location: Texas Hill Country
Posts: 7,253
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It's nice to see a lot of green numbers for a change.
__________________
"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)
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07-01-2009, 07:30 PM
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#11
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Thinks s/he gets paid by the post
Join Date: Feb 2008
Location: 43N Latitude, NY
Posts: 4,635
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Jan 09 40/60 AA
Jun 09 45/55 AA, YTD +7.5%
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Freebird
"Happiness depends upon ourselves." - Aristotle
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07-02-2009, 11:57 AM
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#12
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Thinks s/he gets paid by the post
Join Date: Jan 2006
Posts: 3,113
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Retirement Performance (ROI) of retirement portfolio (rebalanced on Jan 15 2009 to 55% stocks, 45% bonds+cash) —
Q2 2009: +15.7%
1st half 2009 (Q1 and Q2): +8.43%
Audrey
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07-02-2009, 12:50 PM
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#13
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Recycles dryer sheets
Join Date: Mar 2008
Location: east of Denton
Posts: 164
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quick question - are any of you still contributing to your portfolios, and if so how are you accounting for that in determining your ROI?
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Glenn
Don't look at my profile...
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07-02-2009, 01:02 PM
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#14
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Thinks s/he gets paid by the post
Join Date: Nov 2007
Posts: 2,352
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Quote:
Originally Posted by dixonge
quick question - are any of you still contributing to your portfolios, and if so how are you accounting for that in determining your ROI?
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I'm still contributing. I use the Beardstown methodology.
Actually, I use this equation: [ (end val - contribs) / begin val ] - 1
Not exact, but close enough for internet forum browsing. Accurate within a few tenths of a percent on average since my intraquarter contibutions are a rather small percentage of the total portfolio value.
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07-02-2009, 02:04 PM
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#15
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Recycles dryer sheets
Join Date: Mar 2008
Location: east of Denton
Posts: 164
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So theoretically if I began this quarter with 18, contributed an additional 16, and ended the quarter with 40, then ( (40-16) / 18) -1 = 33% ROI ?
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Glenn
Don't look at my profile...
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07-02-2009, 02:12 PM
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#16
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Moderator
Join Date: Oct 2005
Location: Texas Hill Country
Posts: 7,253
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Quote:
Originally Posted by dixonge
So theoretically if I began this quarter with 18, contributed an additional 16, and ended the quarter with 40, then ( (40-16) / 18) -1 = 33% ROI ?
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I wouldn't say the ROI is 33%, because it's not. Some of that is return on newly invested capital rather than the return on just the initial 18. I would say instead that my account balance is 33% higher than at the start of the quarter.
__________________
"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)
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07-02-2009, 02:14 PM
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#17
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Thinks s/he gets paid by the post
Join Date: Nov 2007
Posts: 2,352
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Quote:
Originally Posted by dixonge
So theoretically if I began this quarter with 18, contributed an additional 16, and ended the quarter with 40, then ( (40-16) / 18) -1 = 33% ROI ?
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Not really. The equation I used is simple and it works as a close approximation for ROI for me because my contributions during the quarter were under 5% of my portfolio value. In your case, your contributions are almost as large as your starting portfolio value, so you can't use the formula I posted above. To get an exact ROI or internal rate of return, it is probably best to use a spreadsheet that tracks the exact amounts contributed and the dates of those contributions.
My equation works better as the ratio of the contributions relative to the portfolio value approaches zero (sort of like the time steps in a limit function approaching zero that makes calculus work).
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07-02-2009, 02:20 PM
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#18
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Recycles dryer sheets
Join Date: Mar 2008
Location: east of Denton
Posts: 164
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Quote:
Originally Posted by FUEGO
Not really. The equation I used is simple and it works as a close approximation for ROI for me because my contributions during the quarter were under 5% of my portfolio value. In your case, your contributions are almost as large as your starting portfolio value, so you can't use the formula I posted above. To get an exact ROI or internal rate of return, it is probably best to use a spreadsheet that tracks the exact amounts contributed and the dates of those contributions.
My equation works better as the ratio of the contributions relative to the portfolio value approaches zero (sort of like the time steps in a limit function approaching zero that makes calculus work).
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That's kinda what I thought. My gain over deposited funds is 22% or so starting in last November. But it does not take into account blow-by-blow gains per deposit. I generally make 1-2 deposits per month, but quite a few short-term trades. I always seem to make things more complicated.
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Glenn
Don't look at my profile...
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07-02-2009, 02:27 PM
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#19
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Thinks s/he gets paid by the post
Join Date: Nov 2007
Posts: 2,352
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I think "complicated" is the way the typical person's investments are in general. We have twice monthly contributions to DW and my 401k (into 2-3 funds in each), plus twice monthly contributions to IRA's or taxable accounts, plus twice monthly contributions to an HSA investment account. That's thirty minimum "investments" per month, ignoring any additional shifting of assets or rebalancing or one time investments or reinvested divs or CG's. Hence why I use my formula to get a "good enough" number!
For me it is roughly I start with say 100 and add 5 more into the portfolio during the quarter. So returns on that contribution are generally relatively small as a portion the whole portfolio.
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07-06-2009, 03:21 PM
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#20
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Recycles dryer sheets
Join Date: Mar 2007
Posts: 124
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Up just over 11% for the Q
AA = 65/35
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