Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 06-30-2012, 08:32 AM   #21
Thinks s/he gets paid by the post
Brett_Cameron's Avatar
 
Join Date: May 2011
Location: South Eastern USA
Posts: 1,010
My current balance is up 5.95% over BOY balance and 3.47% over target balance. Target balance is calculated using BOY balance and the assumed return from my deterministic long term projections. Target balance takes into account withdrawals. I have a 60/40 AA.
__________________

__________________
Brett_Cameron is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 06-30-2012, 08:38 AM   #22
Thinks s/he gets paid by the post
 
Join Date: Jul 2003
Location: Pasadena CA
Posts: 2,695
Quote:
Originally Posted by Huston55 View Post
But, given that the market went up 2%+ yesterday, I'm not sure how meaningful my YTD return is, other than it's positive.
Amen. Or +1. That 2% was comforting to see. It does lessen the significance of YTD returns. Maybe a rebalance opportunity on Monday?
__________________

__________________
T.S. Eliot:
Old men ought to be explorers
yakers is online now   Reply With Quote
Old 06-30-2012, 08:55 AM   #23
gone traveling
 
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
Quote:
Originally Posted by foxfirev5 View Post
Up The exact % doesn't do much for me.
+1
__________________
rescueme is offline   Reply With Quote
Old 06-30-2012, 08:56 AM   #24
Thinks s/he gets paid by the post
Spanky's Avatar
 
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,046
FYI:
60/40 benchmark is 6.588% YTD based on returns of Vanguard funds:
Total Bond = 2.43%; 40% = .972
Total Market: 9.36%; 60% = 5.616





6.588
__________________
May we live in peace and harmony and be free from all human sufferings.
Spanky is offline   Reply With Quote
Old 06-30-2012, 08:57 AM   #25
Recycles dryer sheets
 
Join Date: Jul 2007
Posts: 60
My spreadsheet tells me I'm up 10.63% since January 1st as of today. I'm essentially 100% stock funds. I'm at 95.7% of my previous max which is partially the result of paying off the mortgage with proceeds from a bond fund and taxes paid last year when I rearranged my investments to be better in line with my investment approach.
__________________
Stupid is as stupid does. - Forrest Gump
tapper is offline   Reply With Quote
Old 06-30-2012, 08:58 AM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Mulligan's Avatar
 
Join Date: May 2009
Posts: 7,369
Quote:
Originally Posted by NW-Bound
5.0% YTD. No addition, no withdrawal.

50% domestic equities, 20% international.
International holding down performance again.

What bothers me is that I am still 7.6% below my all-time high reached in May last year. And that's 2+ years of living expenses (I am using annual expenses as monetary units now). I've got nothing to Wh** about.

I can only get happy when I set a new high. Am I too greedy?
I could have sworn that I have heard from somewhere that "Greed is Good".
__________________
Mulligan is offline   Reply With Quote
Old 06-30-2012, 09:01 AM   #27
Thinks s/he gets paid by the post
Spanky's Avatar
 
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,046
Quote:
Originally Posted by Mulligan View Post
I could have sworn that I have heard from somewhere that "Greed is Good".
From Wall Street or a movie in which Michal Douglas was the star??
__________________
May we live in peace and harmony and be free from all human sufferings.
Spanky is offline   Reply With Quote
Old 06-30-2012, 09:11 AM   #28
Moderator
rodi's Avatar
 
Join Date: Apr 2012
Location: San Diego
Posts: 8,796
Quicken says 14.87% - but I assume that's because I'm still accumulating... so it includes my savings ytd.

I like the idea of units that represent a years expenses. Friday's gains were 0.5 years expenses.
__________________
rodi is offline   Reply With Quote
Old 06-30-2012, 09:54 AM   #29
Recycles dryer sheets
 
Join Date: Apr 2011
Location: Castro Valley
Posts: 400
4.48% ytd

34/32/34 AA
__________________
jkern is offline   Reply With Quote
Old 06-30-2012, 09:56 AM   #30
Thinks s/he gets paid by the post
frayne's Avatar
 
Join Date: Oct 2002
Location: 19th Hole
Posts: 2,528
Approx. 4% 60/40 stocks and fixed income.
__________________
A totally unblemished life is only for saints.
frayne is offline   Reply With Quote
Old 06-30-2012, 11:11 AM   #31
Thinks s/he gets paid by the post
DFW_M5's Avatar
 
Join Date: Sep 2003
Posts: 4,980
Not doing too well compared to everyone else, only 3.14%, but thats because my mix is 25/35/40. Holding a big pile of cash can hold one back, but it does help me sleep better in these uncertain times while waiting for some buying opportunities. Nice uptick on Friday over European news, but I suspect nothing has really changed there and we will return to the quicksand very soon. Might be a good time to rebalance for some of you.
__________________
DFW_M5 is offline   Reply With Quote
Old 06-30-2012, 01:46 PM   #32
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,396
Quote:
Originally Posted by LOL! View Post
So your YTD return is 6.48%. I'm wondering why you ask for YTD, then report a fictitious return.

I''m at about 5.8% which is ahead of my benchmark. (39/30/31)
You caught me. I was intentionally trying to mislead you.

Not really. I had just looked at my own Quicken investment performance report on a YTD basis and the report expresses the return on an annualized basis so that is what I put in.

But I think my half year return is 6.28% rather than 6.48% due to compounding.

6.28% = [(1 + 12.96%)^.5] -1
__________________
pb4uski is online now   Reply With Quote
Old 06-30-2012, 01:50 PM   #33
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 19,388
"Greed is good." Yes, I did watch that movie, where the character Gordon Gekko made that proclamation.

I do not know how many here share that sentiment, but let's assume for the moment that the above statement is true. Then, the next question is "Are we sufficiently greedy?". Ah, you will see that in order to answer that question, we must first define "greed". Else, how would we know if we have enough of it?

For the definition, I turned to the Web, where I found this.
Greed is the inordinate desire to possess wealth, goods, or objects of abstract value with the intention to keep it for one's self, far beyond the dictates of basic survival and comfort.
Oh boy! Now, we have to define "basic survival and comfort". It's never that simple, I told you. MasterBlaster, are you there? Could you help me out here? Nevermind, I found one of his posts here. There, I do have more than what MasterBlaster has for survival. Actually, too much more! And I am sure there are people who have less than MasterBlaster.

Yet, I want still more. I work "for just one more year". I study different investment and withdrawal strategies in order to maximize my consumption for the remainder of my life, material consumption way above that of MasterBlaster, I remind you. By the way, we do not really know if those pictures are really MasterBlaster's abode, but I always try to take people's words at face value.

That makes me greedy all right. But if greed is good, do I possess enough greed to be really, really good? How would I know? Shouldn't I allow for some margin, by being extra greedy to be safe?

Oh, but what is this? I found the following too.
It (greed) is typically used to criticize those who seek excessive material wealth, although it may apply to the need to feel more excessively moral, social, or otherwise better than someone else.
Umm... I don't know what to make of the above! Strange definition one gets on the Web sometime.

Anyway, the exact lines made by Gordon Gekko in the movie are the following.
"Greed, for lack of a better word, is good. Greed is right, greed works. Greed clarifies, cuts through, and captures the essence of the evolutionary spirit. Greed, in all of its forms; greed for life, for money, for love, knowledge has marked the upward surge of mankind."

Wikipedia says that the inspiration for the movie came from a speech by Ivan Boesky, who said the following in a commencement address at UC Berkeley in 1986.
"Greed is all right, by the way. I want you to know that. I think greed is healthy. You can be greedy and still feel good about yourself".
Of course many of us remember that Boesky was sent to jail later for insider trading.

It seems to me that it is not really relevant whether greed is good or bad. It's what one does to satisfy it that matters. Or more practically, it's the action that may land one in jail, whether you call the specific action good or bad. And jail is bad, yes? At the minimum, I know I don't want jail. That's for sure!
__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leon Trotsky
NW-Bound is online now   Reply With Quote
Old 06-30-2012, 01:54 PM   #34
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,396
Quote:
Originally Posted by rodi View Post
Quicken says 14.87% - but I assume that's because I'm still accumulating... so it includes my savings ytd.

I like the idea of units that represent a years expenses. Friday's gains were 0.5 years expenses.
If the 14.87% is off of the Quicken investment performance report, I think it is the internal rate of return resulting from your beginning of year fair value and cash flow (deposits, withdrawals, reinvested dividends, etc) and the the internal rate of return is converted to an annualized rate.
__________________
pb4uski is online now   Reply With Quote
Old 06-30-2012, 02:04 PM   #35
Thinks s/he gets paid by the post
 
Join Date: May 2008
Posts: 2,250
As for my current 401K, they changed the firm on us in April, so the 1st quarter is about 10% and from April to now is about -2.5%.

As for another firm I am using (Vanguard - I think it was around 130K-150K in equity), it says
YTD Investment return $10K
1 YR Investment return -$3K
3 YR Investment return $45K
5 YR Investment return $6K (Market appreciation was -$20K)

At least I come out in the black for the 5 year run although by not much. I guess it doesn't matter until I need to take the money out.
__________________
tmm99 is offline   Reply With Quote
Old 06-30-2012, 02:31 PM   #36
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 8,615
Quote:
Originally Posted by pb4uski View Post
You caught me. I was intentionally trying to mislead you.

Not really. I had just looked at my own Quicken investment performance report on a YTD basis and the report expresses the return on an annualized basis so that is what I put in.

But I think my half year return is 6.28% rather than 6.48% due to compounding.

6.28% = [(1 + 12.96%)^.5] -1
One should use an XIRR() calculation. I use MSMoney which does that. My mom has Quicken and I know it gives funny results if one doesn't choose dates properly. Even with MSMoney, I gotta use the proper dates. If I set the date for the calculation to be 1/1/2012 to 6/30/2012, then I get an annualized return of 12.1%. If I set the date to be 1/1/2012 to 12/31/2012, then I get 5.8%. A reason that 12.1% is more than twice 5.8% is because of timing of money flows and gains.
__________________
LOL! is offline   Reply With Quote
Old 06-30-2012, 02:32 PM   #37
Recycles dryer sheets
 
Join Date: Mar 2012
Posts: 125
thanks to the nice bump yesterday, our nest egg is up 5.2%. Our AA is 45 equities/50 bonds/5 cash
__________________
dmdunca44 is offline   Reply With Quote
Old 06-30-2012, 02:48 PM   #38
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 16,446
up 6.2% YTD 53/42/5
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is online now   Reply With Quote
Old 06-30-2012, 03:44 PM   #39
Thinks s/he gets paid by the post
 
Join Date: Jan 2006
Posts: 2,971
Quote:
Originally Posted by DFW_M5 View Post
Not doing too well compared to everyone else, only 3.14%, but thats because my mix is 25/35/40. Holding a big pile of cash can hold one back, but it does help me sleep better in these uncertain times while waiting for some buying opportunities.
+1

3.304% for me YTD. I heard this phrase on this site a while back and I use it frequently--"I'm more concerned about the return OF my money than the return ON my money". Anything above zero and i'm happy. Anything above inflation and i'm extremely happy.
__________________
aaronc879 is offline   Reply With Quote
Old 06-30-2012, 04:10 PM   #40
Thinks s/he gets paid by the post
RockyMtn's Avatar
 
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,229
7.74 ytd. 60/40 Stock/Bond. Good thing Friday's gains are figured in!
__________________

__________________
FIRE'D in July 2009 at 51...Never look back!
RockyMtn is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


 

 
All times are GMT -6. The time now is 11:54 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.