Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Re: YTD
Old 05-26-2006, 08:36 PM   #41
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Ed_The_Gypsy's Avatar
 
Join Date: Dec 2004
Location: the City of Subdued Excitement
Posts: 5,292
Re: YTD

Veritasophia said:
Quote:
Could you (or anyone) tell me how to factor in investments made this year? For example, if I invested $2000 in a fund so far this year, do I substract that 2000 and calculate the change in value according to what's left after the substraction?

But then what do I use as my basis to calculate a YTD% for that fund?
Ah! Great question! They COULD have a little function that would do that for you (DCF or discounted cash flow)--but they don't.

The last time this came up, I think someone had written a spreadsheet that did DCFs.

Most of us don't really need high accuracy. And do you really need to know the YTD return for EACH fund? I want to know the whole pot. Since I am more or less equally divided between my funds, I can see the relative gains of each by how their numbers differ.

Your idea to keep it simple sounds just fine to me.

Ed
__________________

__________________
my bumpersticker:
"I am not in a hurry.
I am retired.
And I don't care how big your truck is."
Ed_The_Gypsy 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!

Re: YTD
Old 05-26-2006, 08:37 PM   #42
Thinks s/he gets paid by the post
 
Join Date: Jun 2005
Posts: 1,352
Re: YTD

Have been kinda lucky, but 88.8% YTD. *My young son picked the stocks and we love him so it's only right that we get the profits.
__________________

__________________
OldAgePensioner is offline   Reply With Quote
Re: YTD
Old 05-26-2006, 08:49 PM   #43
Thinks s/he gets paid by the post
 
Join Date: Apr 2006
Posts: 1,487
Re: YTD

Quote:
Could you (or anyone) tell me how to factor in investments made this year?
Quote:
They COULD have a little function that would do that for you
using Excel?* if so, try XIRR function. (insert menu >> function >> financial)
__________________
d is offline   Reply With Quote
Re: YTD
Old 05-27-2006, 01:21 PM   #44
Recycles dryer sheets
 
Join Date: Apr 2006
Posts: 84
Re: YTD

Quote:
Originally Posted by d
try XIRR function. (insert menu >> function >> financial)
My version of excel doesn't have that function. However it has IRR and MIRR, neither of which seems to be what I'm looking for. Is there a formula to help calculate this?
__________________
&quot;The one who creates does not wait for an opportunity, blaming circumstances, the fates, and the gods.&nbsp; He seizes opportunities or creates them with the magic wand of his will, effort, and searching discrimination&quot;<br />-Yogananda
veritasophia is offline   Reply With Quote
Re: YTD
Old 05-27-2006, 01:51 PM   #45
Thinks s/he gets paid by the post
 
Join Date: Apr 2006
Posts: 1,487
Re: YTD

IRR will work, but not nearly as nicely as XIRR.* XIRR let's you specify the various dates ... with IRR the dates are implicitly at "regular" intervals, so you might have some "dummy" events ($0) just to get the time intervals property specified.*

Note too, that the rate calculated is not a per year rate, but for the overall period of time, so if it gives you 5% over 6 months, that's
(1.05)^2-1=10.25% per annum
__________________
d is offline   Reply With Quote
Re: YTD
Old 05-27-2006, 03:27 PM   #46
Recycles dryer sheets
 
Join Date: Jan 2004
Posts: 179
Re: YTD

Quote:
Originally Posted by wab
Toejam, I remember you saying that you ER'd primarily due to MSFT and INTC.* *Just curious -- are you still holding your original positions?* *If not, when/why did you diversify?

I recently bought INTC for the first time since 2000.* *I no longer view them as a high-growth tech stock, but they're starting to look pretty good as a dividend-paying utility with some growth potential.* * If they increased their payout ratio, they would become extremely attractive.* *Ditto MSFT.
Hello Wab:

In response to your above inquiry, please refer to my first 3 posts (#56,55,54) when I first joined this forum in early 2004. * I did not *ER primarily due to MSFT and INTC. *I was able to ER in March 2004 due to several factors: *Some luck, being frugal, saving & investing over many years to build up a sizeable portfolio (MSFT did help a lot here, but it *wasn't the only stock I owned), *rental income/real estate appreciation from rental property owned over 20 years, small but cola'd pension, low expense health/medical coverage (connected with prior employment) that continued after retirement, and $500K received in cash through a stock buyout of the company I used to work for (this was distributed in several increments between 2003 and 2004). *Although my base pay salary was never more than $55,000/yr., I did work a lot of overtime when required and there were a couple of years where I received huge bonuses.

In my original post back in early 2004, I casually mentioned that I purchased several hundred shares of MSFT in 1986. *I threw out this info casually, based on my best recollection at the time I wrote the post, because I was too lazy to go back into my records. *This info was inaccurate. *I went back into my records last night to find out when and how many shares of MSFT I actually purchased, and this is what I found: *Bought 200 shares in 10/87. *Sold 200 shares in 10/89. *Bought 400 shares between 6/92 and 12/92, and have not sold any since then. *These last 400 shares have grown into a total of 12,800 shares due to stock splits, and this amount represents about 12% of my total portfolio of investable assets (not counting real estate). *I had also bought shares of INTC and CSCO some years ago and have continued to hold these much smaller positions, even though it has been very painful to see them go so low. *For reasons similar to yours, I continue to hold all 3 stocks with hopes of higher dividends and a turnaround in the stock price.

Since the tech bust of early 2000, I have continued to add a variety of dividend-paying large cap stocks, small cap mutual funds, large cap international stocks & mutual funds, and a REIT. *This is where most of the aforementioned $500K cash (that I received between 2003 and 2004) went. I have tried to stay away from tech stocks but admit that I bought some QCOM several years ago and have held onto them.

Starting last year, I further diversified into emerging markets, small cap international, and a few more large-cap international equities (ETF's, individual stocks and mutual funds) with part of my cash holdings and from proceeds from the sale of some "loser" large cap domestic stocks and mutual funds that I finally gave up on. *The reason for this further diversification was that I was still overweighted in large-cap domestic equities, so wanted to add to my International holdings. *Hope that wasn't a mistake - I keep telling myself I am in it for the long term and hope Jeremy Siegel is right . . . If everything comes crashing down, at least I have my pension and rental income that I can (hopefully) rely on. *I don't hold any bonds right now because I kinda think of my pension and rental income as a rough substitute, being that they are fairly stable and consistent. * I know a lot of people would not be able to sleep with this type of "risk", but I guess it is just in my blood to invest this way. *Something like UncleMick's "male hormone thing", although I am not male and am not an INTJ (hehehe). *And I won't blame anyone if one day I find myself standing in line at the food bank. *

As of 4/30/06, total portfolio of investable assets (all brokerage accounts, IRA's, 401(k), and checking/savings accounts): * $2,476,348. * *Total equity in personal residence and 2 rental homes: *$791,000. * So, Total Net Worth as of 4/30/06: *$3,267,348. *As of today, subtract perhaps $100K (?) from this figure due to large losses in both domestic and global markets within the last week. *As mentioned, I have not been *looking at my balances recently (too depressing) although I do expect this kind of volatility with the types of investments I hold. *

For estimating home equity, I used the King County Assessor's valuations, which are a lot lower than what Zillow.com shows. *If I use Zillow's figures, total equity for personal residence and rentals totals $1,083,000 (almost $300k more than the County figures.) *Think Zillow's valuations may be more accurate because *their figures are based on, among other things, what comparable homes actually sold for recently? * I used the County figures 'cuz I like being conservative in valuing assets, and it seems real estate prices in the local area have skyrocketed out of control in recent years. *

Toejam
__________________
Toejam is offline   Reply With Quote
Re: YTD
Old 05-27-2006, 06:17 PM   #47
Thinks s/he gets paid by the post
wabmester's Avatar
 
Join Date: Dec 2003
Posts: 4,459
Re: YTD

Quote:
Originally Posted by Toejam
So, Total Net Worth as of 4/30/06: *$3,267,348.
Wow, thanks for that detail.* I do have one more question:* will you marry me?*

Quote:
For estimating home equity, I used the King County Assessor's valuations, which are a lot lower than what Zillow.com shows.
Zillow will definitely be closer to reality.* * I've heard that a rule of thumb for our area is that resale value ~= 30% over assessed value.

So, it sounds like you're still holding MSFT and INTC from way back.* *I sold mine way early, but I do know people who retired on those stocks and are still holding.* *I was curious if long-term holders lost faith after a while and diversified.* *It's painful to watch those two go sideways for 5 years, but they still hold near-monopoly status, so I think they're starting to look like real bargains.
__________________
wabmester is offline   Reply With Quote
Re: YTD
Old 05-28-2006, 10:27 AM   #48
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: YTD

Zillows prices are nowhere near correct for my area.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Re: YTD
Old 05-29-2006, 08:40 AM   #49
Thinks s/he gets paid by the post
Spanky's Avatar
 
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,046
Re: YTD

Zillow.com's estimate of our house appears to be based on recent sales of houses in the neighborhood.
__________________
May we live in peace and harmony and be free from all human sufferings.
Spanky is offline   Reply With Quote
Re: YTD
Old 05-29-2006, 08:11 PM   #50
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Ed_The_Gypsy's Avatar
 
Join Date: Dec 2004
Location: the City of Subdued Excitement
Posts: 5,292
Re: YTD

When he was out of ICU, OAP lifted up on one elbow and sort of whispered...
Quote:
Have been kinda lucky, but 88.8% YTD. My young son picked the stocks and we love him so it's only right that we get the profits.
Hmm. Does he consult?

Gypsy
__________________

__________________
my bumpersticker:
"I am not in a hurry.
I am retired.
And I don't care how big your truck is."
Ed_The_Gypsy 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


Similar Threads
Thread Thread Starter Forum Replies Last Post
YTD Shredder FIRE and Money 85 01-13-2007 06:46 PM
YTD 2006 investment Sam FIRE and Money 84 12-04-2006 01:39 PM
How's your YTD Spanky FIRE and Money 153 01-29-2006 05:35 PM
YTD return smooch FIRE and Money 24 12-08-2005 11:17 AM
Cramer's YTD Return windsurf FIRE and Money 69 12-02-2005 06:11 AM

 

 
All times are GMT -6. The time now is 04:18 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.