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02-05-2012, 01:56 PM
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#21
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,809
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 Quote:
Originally Posted by audreyh1
You understand why some of us assume otherwise, right? We are supposedly still in one of those 17-18 secular bear cycles (2000 - 2017 or thereabouts) and during these long cycles stock markets tend to go sideways or drop, not gain in real terms like charts that cover secular bull periods (like the red line for 1982-1999).
Audrey
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I kind of apply the Heisenberg Uncertainty Principle to markets. Too many moving parts to compute any outcome beyond the current market prices. Still I enjoy future prognostications from knowledgeable sources ... but try to remind myself they don't have a crystal ball.
Not sure I can buy that anyone can identify a secular market (defined here: http://www.investopedia.com/terms/s/secularmarket.as ). Of course, we can all label periods that have past.
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02-05-2012, 02:16 PM
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#22
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,145
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That's why I use qualifiers like "supposedly" and stick to my "all weather" investing strategy i.e. rebalance back to a fixed AA occasionally.
__________________
Retired since summer 1999.
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02-05-2012, 03:30 PM
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#23
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gone traveling
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
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Quote:
Originally Posted by arebelspy
I haven't seen that acronym used like that.
I had to figure it out, I'm guessing you meant "good for you"?
I've always seen it as "go * yourself"
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Of course it's "good for you"?
I only curse at people IRL (and run real fast )...
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02-05-2012, 03:55 PM
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#24
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Posts: 2,288
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My total portfolio is 3.25X higher than it was in March '09. I'm still in accumulation mode and piling as much money in as I can, but it still amazes me that I have that much more in under 3 years.
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02-05-2012, 03:59 PM
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#25
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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I am also in the accumulation phase and I guess my portfolio is about twice as large as what it was in 2009.
Quote:
Originally Posted by utrecht
My total portfolio is 3.25X higher than it was in March '09. I'm still in accumulation mode and piling as much money in as I can, but it still amazes me that I have that much more in under 3 years.
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__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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02-06-2012, 02:30 AM
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#26
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Quote:
Originally Posted by obgyn65
I am also in the accumulation phase and I guess my portfolio is about twice as large as what it was in 2009.
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For YE 2009 to 02/03/12, with no cash added or taken and taxes paid from sources outside the portfolio, our portfolio value is up 16.42%.
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02-06-2012, 03:22 AM
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#27
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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I should add that the way I calculated my portfolio value / net worth was different than today's way. Since I joined this website a year or two ago, I have been learning about the NPV of pensions, etc which are now factored in my calculations.
Quote:
Originally Posted by obgyn65
I am also in the accumulation phase and I guess my portfolio is about twice as large as what it was in 2009.
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__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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02-06-2012, 03:59 AM
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#28
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Quote:
Originally Posted by obgyn65
I should add that the way I calculated my portfolio value / net worth was different than today's way. Since I joined this website a year or two ago, I have been learning about the NPV of pensions, etc which are now factored in my calculations.
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NPVs of pensions may be nice to include in net worth calculations but since I am retired I do not include them nor any other asset that's unlikely to be sold or otherwise actively managed in my investment portfolio performance monitoring. In some respects I consider my pensions to be a revenue complement to sunk costs.
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02-06-2012, 04:12 AM
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#29
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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After reading a few posts on this topic on this website, I decided to include the NPV of my pension benefit but not the NPV of my SS benefit. My calculations may change again in the future...
Quote:
Originally Posted by justplainbll
NPVs of pensions may be nice to include in net worth calculations but since I am retired I do not include them nor any other asset that's unlikely to be sold or otherwise actively managed in my investment portfolio performance monitoring.
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__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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02-06-2012, 04:16 AM
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#30
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Quote:
Originally Posted by obgyn65
After reading a few posts on this topic on this website, I decided to include the NPV of my pension benefit but not the NPV of my SS benefit. My calculations may change again in the future...
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In most instances I guess you could consider it to be a very fixed component of your fixed asset allocation. Of course you could have 'fun' recalculating it with different discount rates and changing years-to-go based on changes to life expectancies.
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