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Old 06-30-2012, 06:02 PM   #41
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9.24% ytd, 80/20.
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Old 06-30-2012, 08:36 PM   #42
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A measly 2.2%, but I have been retired for the last 5 years and have a "scaredy cat" 20/40/40 AA !!
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Old 06-30-2012, 08:45 PM   #43
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12% @ 100/0. and of that amount, 60% is foreign 40 domestic equity.

Defined benefits are bond substitutes in my case.
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Old 06-30-2012, 10:34 PM   #44
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Quote:
Originally Posted by LOL! View Post
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.
You mean like in 5.8% = [(1 + 12.1%)^.5] -1 ?

The Quicken return is the internal rate of return based on the dates of the cash flows, similar to the XIRR calculation in Excel.
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Old 07-01-2012, 05:49 AM   #45
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Congratulations.

Less than 2% in my case I guess.

Quote:
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A good half year. 12.96% (annualized rate) per Quicken investment performance report. Target AA is 45% domestic equities, 15% international equities and 40% fixed income.
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Old 07-01-2012, 08:14 AM   #46
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About 11%. Got 100% out in March. Back in & out twice. Both Roth IRA's are now 90% in.
As of last Fri. 401K 100% cash for now.
Including monthly aditions am up about 80k ytd.
Not in the mood to just let it ride.
Funds this year VTTVX, VTWNX, SCHX & SCHA.

I know, I am doing it all wrong.
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Old 07-01-2012, 08:59 AM   #47
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How can I calculate my YTD? I don't track on a monthly basis, but I max my TSP and so far this year have contributed $12124. My earnings not including my contributions are up $19526. Balance on 1/1/12 was $135,600, on 6/30/12 was $167,250. I have attempted to do some of the dreaded market timing this year, going from very risky to very safe. Sometimes it worked out pretty good, like yesterday, other times, not so good, but overall I think not too bad.
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Old 07-01-2012, 09:07 AM   #48
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How can I calculate my YTD? I don't track on a monthly basis, but I max my TSP and so far this year have contributed $12124. My earnings not including my contributions are up $19526. Balance on 1/1/12 was $135,600, on 6/30/12 was $167,250. I have attempted to do some of the dreaded market timing this year, going from very risky to very safe. Sometimes it worked out pretty good, like yesterday, other times, not so good, but overall I think not too bad.
19526/135600*100=14%
Technically its not correct because you had earnings on you contributions which should not be included either, but usually it's close.
But if you say put 12124 and the day the market hit bottom and it grew to 15124, then it should be 16526/135600*100 = 12%
Obviously the smaller the amount of your nestegg, the more impact the contributions and their earnings have.
TJ
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Old 07-01-2012, 09:39 AM   #49
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YTD = 6.78%.
But when I include additional money socked away I'm at 10.4%. I'm pleasantly surprised by those numbers.
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Old 07-01-2012, 10:01 AM   #50
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The 2% figure I gave above doesn't include any money saved this year. It's just about half of what I expect the return of my investments to be by 1/1/13. If we include savings since 1/1/12, I guess the number would be much higher.
Quote:
Originally Posted by tricky88
YTD = 6.78%.
But when I include additional money socked away I'm at 10.4%. I'm pleasantly surprised by those numbers.
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Old 07-01-2012, 11:18 AM   #51
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How can I calculate my YTD? I don't track on a monthly basis, but I max my TSP and so far this year have contributed $12124. My earnings not including my contributions are up $19526. Balance on 1/1/12 was $135,600, on 6/30/12 was $167,250. I have attempted to do some of the dreaded market timing this year, going from very risky to very safe. Sometimes it worked out pretty good, like yesterday, other times, not so good, but overall I think not too bad.

You've done well. Your return was 19,526. Your average investment is the beginning of year balance of 135,600 plus 1/2 of your contributions for the year, or 141,662 (assuming that contributions were made evenly throughout the first half of the year). The appreciation of 19,526 divided by 141,662 is 13.8% but that is only for 1/2 a year, so converted to an annualized rate it would be about 29.8%. 29.8% ~ (1.138*1.138)-1
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Old 07-01-2012, 12:27 PM   #52
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+20.4% YTD. DW's company stock did very well during the first half.
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Old 07-01-2012, 01:07 PM   #53
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YTD 4.4% (not annualized). Guess I'm an underachiever...
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Old 07-01-2012, 04:21 PM   #54
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YTD 5.2% with 80% stock (30% Lg, 25% mid/small, 25% foreign), 15% bond, and 5% REIT mix. Have about 55% conventional and 45% index mix. Weighted average expenses = 0.44%.

Disappointing that I didn't beat the S&P 500 Index...
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Old 07-02-2012, 12:26 PM   #55
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7.6% YTD after taking out enough to live on and paying those evil wrap fees.
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Old 07-02-2012, 01:36 PM   #56
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So far this year I'm up about 10.1%, which is nothing to sneeze at. I'm down a bit off my high for the year though. I had peaked out in April, when I was up about 15%. But, easy come easy go, and May saw to that, when I gave up about 2/3 of that gain.

I'm a bit heavy in APPL, FUN, and AGNC, which has probably been skewing things in my favor a bit.

FWIW, around this time last year I was up about 9%. But mid/late July and August were not kind months to me, and I finished the year of 2011 flat.
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Old 07-02-2012, 01:48 PM   #57
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Hmmm...better than I thought: 65/30/5 allocation, up 6.0%. My target AA is 60/35/5, but I didn't rebalance this year, and I've been diverting all contributions to stock funds. I'm a bit hesitant to rebalance given the current bond market; I know...it's market timing.
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Old 07-02-2012, 01:51 PM   #58
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6.64% ytd
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Old 07-02-2012, 06:48 PM   #59
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5.6% YTD 90% equities 10% bonds

Almost all the equities are index funds.
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Old 07-03-2012, 10:39 AM   #60
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YTD? Don't know, but if you guys are all up, I must also be up. Now what?

"It looked so good up, I thought I'd leave it up" (quote from the early 70s that I recall)
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