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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 03:58 PM   #41
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Re: Your TOTAL % return so far this year and last year.

2005 24%
2006 19%

All individual stocks, blue chips. Returns helped by having
a high allocation to REITs in 2005 and part of 2006.

Time horizon : age 48, retirement date Oct 17,2006
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 04:01 PM   #42
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Re: Your TOTAL % return so far this year and last year.

Quote:
Originally Posted by ladelfina
...do you account for all your repair expenses in that figure? Do you count opportunity value of home equity vs. a MMF? Or do you use a monthly rental value for similar property as an inherent "dividend"?? Since people usually buy the homes they do for reasons other than the concrete investment growth/income that they get from stocks/bonds.. I'm not sure that it's a reasonable comparison in this context (performance vs. the market). If it's just for personal enlightenment, by all means, knock yourself out!...
I gave a simple formula without factoring in all the possbile variables that could affect the total return.

You would obviously subtract any costs associated with your home in the formula as you would factor in income if you were to rent out portions of it.

I don't factor in my home when I determine my YTD ROI since I don't plan on using my home as a cash flow asset. I consider it a sunk cost for the time being since I have no plans to rent it out, sell it, or get a reverse mortgage.
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 04:06 PM   #43
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Re: Your TOTAL % return so far this year and last year.

Quote:
Originally Posted by CyclingInvestor
Time horizon : age 48, retirement date Oct 17,2006
Hey- conga rats - I even looked at you latest posts to see if I misssed an official notice.
So, what do you do whole day?
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 04:17 PM   #44
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Re: Your TOTAL % return so far this year and last year.

Quote:
Originally Posted by sailor
Hey- conga rats - I even looked at you latest posts to see if I misssed an official notice.
So, what do you do whole day?
Today I worked on cleaning up the back yard (including sawing big boards into
little boards to fit into the trash cans), working on FSA paperwork from my spending
spree last night when I found out that FSA money had to be spent by your termination
data, not the end of the year, and planning my first small vacation - a weekend wine
tasting in Mendocino.
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 04:35 PM   #45
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Re: Your TOTAL % return so far this year and last year.

Based on input from my 401k provider, my total return was/is as follows:

4/1/2002-12/31/2002: -17.5%
2003: 14.7
2004: 7.4
2005: 10.8
YTD: 11.0

The allocation has drifted around quite a bit, but currently is:
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 05:28 PM   #46
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Re: Your TOTAL % return so far this year and last year.

Quote:
Originally Posted by modhatter
Spanky: You have done well also in a 60/40 split, and only one to give asked breakdown. You sure had faith in the international market. (24.72%) Good for you. Takes some courage. Do you do mostly individual stocks, indexes or managed funds?
I have two stocks. The rest is a mixture of index and managed funds (I say it is about 50/50). You are right the return from international funds - it's risky.
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 06:11 PM   #47
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Re: Your TOTAL % return so far this year and last year.

2005: 19.9% Net, 26.4% Annualized
2006: 1.1% Net, 1.2% Annualized

Current actual holdings (not targets, which are somewhat different):

75/25 stocks/bonds
Stocks: 35/35/30 Japan/US/Elsewhere
Bonds: 36/38/26 Japan/US/Elsewhere

Base currency: yen

Edited to add:
Holdings generally in form of ETFs or index funds, except for bonds (individual issues) and Japanese equities (individual stocks). Individual stocks and bonds are all managed passively.

Also, last year had some commodities, REITs and J-REITs of which I have since divested for tax efficiency reasons (especially important in light of new tax laws). Still holding some EGLRX, but not sure for how much longer. (Tax efficiency not too bad, but expense ratio could be lower, and now that I have given up an explicit allocation to real estate it is kind of homeless in the asset allocation.)

Time horizon: A couple of decades to retirement, with college expenses just before that.
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 06:54 PM   #48
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Re: Your TOTAL % return so far this year and last year.

Thanks REWahoo!, Nords and donheff , I appreciate the explanation.
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Re: Your TOTAL % return so far this year and last year.
Old 10-18-2006, 07:20 PM   #49
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Re: Your TOTAL % return so far this year and last year.

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Originally Posted by My Dream
Thanks REWahoo!, Nords and donheff , I appreciate the explanation.
You're welcome, but check your PMs for the rest of the story...
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Re: Your TOTAL % return so far this year and last year.
Old 10-19-2006, 05:03 AM   #50
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Re: Your TOTAL % return so far this year and last year.

40.84% US stocks (of which about 25% funds/etfs; the rest individual stocks)
36.85% Int'l. stocks (of which about 12% funds; the rest individual stocks)
2.03% Reits
12.25% Gov't. Bonds (TLT and TIPS)
1.35% Int'l Bonds (GIM and FAX)
6.7% Cash (CD's and M Mkt.)
Real Estate (rentals etc.) - house paid for..not included in returns
MLP -don't know what that is
Canadian Royalty Trusts - none


yeehaw! Cycling Investor has us all beat hands down..
Congratulations on your ER!
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