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Old 01-01-2014, 07:59 AM   #41
Recycles dryer sheets
kmt1972's Avatar
Join Date: Mar 2013
Location: Scarsdale
Posts: 175
12% after tax return on 50/45/5

I had a lot of my equities in international equities so obviously I did not do as well as I could have.

"There are no solutions...there are only trade-offs." - Thomas Sowell

Looking to retire or semi-retire by 45 based on our net worth going to $6 million outside our house.
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Old 01-01-2014, 08:00 AM   #42
Recycles dryer sheets
Join Date: Jan 2013
Posts: 79
AA changed from 70/30 to 90/10 in the summer
Equities approx 50% canadian / 50% us
Kicked butt against the canadian benchmark since I was heavily overweight cdn financials. However, slightly lagged the S/P 500 on the us investments.

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Old 01-01-2014, 08:08 AM   #43
Full time employment: Posting here.
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Join Date: Apr 2012
Posts: 881
15.44% on 50/28/22... I'm quite happy with it. I have a lot in cash, but that is to cover planned withdrawals until SS kicks in, so I won't be forced to sell equities during that time.
Current target FIRE date: June 2017 or +50K to the portfolio, whichever comes first
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Old 01-01-2014, 08:13 AM   #44
gone traveling
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,855
Overall, my portfolio was up 19.77%.

The bottom 3 were negative, and of course were bond funds (FIDO Total Bond and GNMA, along with VG Intermediate Term Investment Grade).

Top 3 were:
Ariel Appreciation (CAAPX) at +40.16%
Vanguard Heath Care (VGHCX) at +38.08%
Neuberger Berman Genesis (NBGEX) at +33.31%

Can't complain for a portfolio that is rated "balanced" at 52/28/20 (Equity/Bond/Cash). Also, since I'm in the drawdown phase, I'm not looking for that next big opportunity (thank goodness that's over with )... I'm content with a 6% return, long term.
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Old 01-01-2014, 08:15 AM   #45
Recycles dryer sheets
Join Date: May 2007
Posts: 346
I'm the lagger here. Up only 9% if you count only dividends and interest. Have a 60/30/10 split, but half my equities are in a single stock that did nothing this year.
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Old 01-01-2014, 08:21 AM   #46
Full time employment: Posting here.
Join Date: Apr 2006
Posts: 940
A little over 11% with a 50/40/10 allocation.
My S & P fund led the charge in performance. My fixed were pretty flat with yield added - biggest loser was my TIPs, down about 5% with distributions added...
No complaints here!
Freed at 49. You only live once - live it
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Old 01-01-2014, 08:26 AM   #47
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Join Date: Jun 2002
Location: Texas Hill Country
Posts: 39,198
11.7% with a 45/45/10 allocation. I'm a tortoise, not a hare...
Numbers is hard.

Retired in 2005 at age 58, no pension

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Old 01-01-2014, 08:31 AM   #48
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Location: On the road again
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I'll be low man on this scale for sure. Haven't done the math but I know we're in single digit range. Half our portfolio is munis, and half the equity is international and emerging.
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Old 01-01-2014, 08:47 AM   #49
Thinks s/he gets paid by the post
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Join Date: May 2011
Location: South Eastern USA
Posts: 1,005
14.4% 62/38 target date fund
All that glitters is not gold. -G. Chaucer, W. Shakespeare
All that is gold does not glitter. -J.R.R. Tolkien
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Old 01-01-2014, 09:11 AM   #50
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Location: Sarasota,fl.
Posts: 9,471
19.1 %
Vanguard health care , SP 500 & extended Market were the big winners !
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Old 01-01-2014, 09:12 AM   #51
Dryer sheet aficionado
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Posts: 31
23.2% for me.... I just wish I had more money in my 401k
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Old 01-01-2014, 09:13 AM   #52
Recycles dryer sheets
Join Date: Aug 2010
Posts: 316
My asset increased 15%, not counting the 401K contribution and the surplus from the paychecks in checking account. We are still working. Hopefully, we can call it done this year.

My AA in 401K accounts (abount 1.2M) is 50/50. But I have stocks in brokerage accounts (1.3M with ESPP shares, GOOG, and BRK, etc). I am getting nernous of these holdings but do not want to unload them until my tax bracket is below 15% for long term capitabl gain reason.
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Old 01-01-2014, 09:16 AM   #53
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Join Date: Aug 2012
Location: Huron
Posts: 37
12.1% with 45/45/10 split. My age is all about being conservative but I'll take it.
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Old 01-01-2014, 09:42 AM   #54
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Location: midwestern city
Posts: 4,062
About 3%.
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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Old 01-01-2014, 09:45 AM   #55
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
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Join Date: Jan 2008
Location: Chicagoland
Posts: 10,663
11.6% after withdrawals (mostly a kitchen remodel), more than happy with that. AA below (though equity has crept up to 59%, still within 5/25 bands).
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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Old 01-01-2014, 10:01 AM   #56
Full time employment: Posting here.
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Posts: 572
My 401k: 13%
DW 401k: 13.6%
Taxable Account: 30%
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Old 01-01-2014, 10:14 AM   #57
Recycles dryer sheets
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Location: Seatlle
Posts: 185
My first year of "real investing" in the market as I received a windfall from selling part of my bizness in May. Before that every penny ++ went into my bizness.

I am in an odd financial state in my first year of retirement -- My income level is higher than it was when was w*rking! So is my tax rate...gulp

Plus I have a lot of income from notes from buyer of my sort of like a bond or fixed income that is taxable. Grrrr

Like many here...I did poorly on my REITs & Bond funds & sold most of them.

But I did invest a good amount in Muni Bonds so my income of these bonds was moderate, but on a taxed basis, still pretty good.

Because of my situation, Vanguard is 80% equities now, but I did not put $$ in until about June/July of this year -- so I am thrilled with my 20% return for half a year, especially since this is my largest investment account.
I also found their CFP program helped provide good guidance for this investment newbie.

SO Officially I say WEEE DOGGIES!
This has been a great year & I hope 2014 is kind to us FIRED folk.
When a contradiction is impossible to resolve except by a lie, then we know that it is really a door.
S. Weil
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Old 01-01-2014, 10:41 AM   #58
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Give me a forum ...
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Posts: 15,910
Its a little complicated to calculate because we had contributions to 401ks and a major vesting at the end of the year, in the most conservative fashion I can figure it we had a 35.8% return on a portfolio that spent most of the year between 60 and 65% equity, roughly 5% in merger arbitrage (low return, low volatility) and the rest in some kind of fixed income (about 50/50 high grade bond funds and CDs/cash). The outperformance was due to individual stock selection. Maybe I should start managing money like people keep telling me.

This was a transition year for my portfolio. Previously I have been more aggressive and concentrated while trying to accumulate wealth and go for total return. Now that I am fat, old and about to kill the day job, I need to be much more risk constrained. So although my portfolio has about the same equity content, I have gone from 38% funds and cash/CDs to 65% over the course of the year and will probably trend that higher over the next year.
"Neither my companion or I carry firearms on our persons. We depend on the goodwill of our fellow man and the forbearance of reptiles."

- English Bob
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Old 01-01-2014, 10:43 AM   #59
Confused about dryer sheets
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Posts: 3
13.69 % on 56/35/9 stock/bond/short term allocation
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Old 01-01-2014, 10:46 AM   #60
Recycles dryer sheets
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Join Date: Feb 2007
Posts: 331
19.1% with approximately a 90/10 portfolio mix with heavy emphasis on dividends. I'm pleased to see the 19.1% gain even after withdrawals were made.

The 90% equity is 80 domestic/large cap and 10 emerging market.

The 10% short term is mostly cash with a smattering of bond funds.

Dreamin' of Streamin'
FIRE'd at 52 on 7/8/11
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