View Poll Results: As of today (8/2/2011) what is your YTD total return on your retirement investments?
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More than 3%
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51 |
39.53% |
Between 2% and 3%
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29 |
22.48% |
Between 1% and 2%
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15 |
11.63% |
Between 0% and 1%
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10 |
7.75% |
Essentially 0%
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12 |
9.30% |
Between 0% and -1%
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4 |
3.10% |
Between -1% and -2%
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5 |
3.88% |
Between -2% and -3%
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1 |
0.78% |
Less than -3%
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2 |
1.55% |
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08-02-2011, 05:07 PM
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#1
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Dryer sheet wannabe
Join Date: May 2010
Posts: 24
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YTD Performance Poll
Now that we have averted the so-called default crises and the market has wiped out all of its gains ytd, how has your portfolio fared? Vote and comment on your asset allocation.
__________________
Those who desire to give up freedom in order to gain security, will not have, nor do they deserve, either one. ~Ben Franklin
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08-02-2011, 05:24 PM
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#2
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Full time employment: Posting here.
Join Date: Nov 2009
Posts: 592
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Retirement's conservative asset allocation avoided the more aggressive (heavier stock) allocation's hit.
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08-02-2011, 05:27 PM
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#3
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Recycles dryer sheets
Join Date: May 2006
Posts: 465
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As of today, +2.35% (one month ago, we were at +5.75%).
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08-02-2011, 05:31 PM
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#4
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Full time employment: Posting here.
Join Date: May 2010
Posts: 862
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I'll start the ball rolling; my portfolio is presently at a gain of 2.7% as of this evening.
Most of the gain is from bond interest and dividends; I hold very few stocks and only one mutual fund. This has probably been the reason why I still have a positive reading for the year.
The few stocks I hold have an unrealized loss ranging from 0.5% - 5%; no gains in any of them. Not good. I am writing covered calls on the ones that have options, to try and lower my cost basis.
Sure hope things will improve as we move toward the traditionally stronger end of the year. Unfortunately, I am a little pessimistic about this - there are just so many problems in the world - Greece, Italy, Spain, Portugal, the Arab Spring, Financial problems galore all over the world, the wars, etc, etc
Good luck to everyone.
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08-02-2011, 06:07 PM
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#5
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Full time employment: Posting here.
Join Date: Nov 2010
Posts: 628
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-1.85% on an aggressive 90/10 portfolio and with the 90% ratio split into a 60/40 mix of International/US equities. I did very well on the run-up, rebalanced and am now selling some real estate to increase my cash portion. If things drop, I'm buying more, otherwise, I'm good until re-balance point is triggered.
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08-02-2011, 06:07 PM
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#6
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,708
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+3.3% after today. Still 100% individual equities, all large US-based dividend paying companies.
__________________
learn, work, save, invest, fire
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08-02-2011, 06:26 PM
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#7
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Dryer sheet aficionado
Join Date: Aug 2007
Posts: 46
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+.99% after today's shellacking 83/17
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08-02-2011, 06:37 PM
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#8
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,468
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After the drop today, my portfolio is up 2.4% compared with January 1. Seems OK to me given the week's drop.
My asset allocation is 45:55 equities:fixed. I'm not really chasing performance, but appreciating a relatively nonvolatile, conservative retirement portfolio.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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08-02-2011, 07:26 PM
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#9
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2008
Location: East Nowhere, 43N Latitude, NY
Posts: 9,037
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5.36 Total Return YTD according to M* portfolio manager
AA 31/63/6
Note: I did not include 200 shares of HK, which is showing a total return YTD of 109. BHP Billiton just acquired PetroHawk at the end of July. I accepted a tender offer yesterday of $38.75 per share. My average cost basis is $21.45 per share, according to Mr B's calculations. Small potatoes but still fun.
__________________
"All our dreams can come true, if we have the courage to pursue them." - Walt Disney
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08-02-2011, 08:32 PM
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#10
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Dryer sheet wannabe
Join Date: May 2010
Posts: 24
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Since I put up the poll, I suppose I should weigh in. I'm up 2.8% ytd with about 50/50 AA.
Kudos to all in the positive (especially for those that are 3+%. For those that are negative, I hope you're hanging in there and hopefully are taking the long-term view.
__________________
Those who desire to give up freedom in order to gain security, will not have, nor do they deserve, either one. ~Ben Franklin
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08-02-2011, 08:35 PM
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#11
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Recycles dryer sheets
Join Date: Jun 2011
Posts: 328
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My retirement accounts are down just about 3%. Not too bad, considering they're entirely aggressive stock holdings and they've gotten whacked in the last few weeks. My extra-aggressive IRA has done especially poorly this year. I'm preparing to move to a more conservative stance if the market keeps stumbling.
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08-02-2011, 08:36 PM
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#12
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Full time employment: Posting here.
Join Date: Mar 2008
Posts: 968
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Up a measly .06% as of 8-2-11. I suspect it will go down this year yet however. 45/45/10 allocation
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08-02-2011, 09:06 PM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,201
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3.0% annualized rate of return YTD today per Quicken.
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08-02-2011, 09:12 PM
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#14
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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YTD: 3.01%
stock 36.83%
bond 34.29%
cash 28.88%
__________________
May we live in peace and harmony and be free from all human sufferings.
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08-02-2011, 09:16 PM
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#15
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Location: Leeward Oahu
Posts: 17,715
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Honestly haven't calculated it exactly, but definitely in excess of 3% ytd.
Big winners: Precious metals. Gold about 25%, silver about 40% (heh, heh, wish it had been a bigger overall portion of my stash!) Still, they contributed about 1.5% overall. Dividend of stock of family business 20%. Same stock revalued (as in offer to buy/sell) up 15%.
Moderate winners: I-bonds (older ones with actual interest before inflation factor), SPIAs 4.5% guarantee, GIF 2%
Equities: about .4%
Best SWAG: 4.8% overall.
Downside is that during a "normal" year (everyone else getting 7 to 9%) I'd still be in the 4% range. YMMV
__________________
Ko'olau's Law -
Anything which can be used can be misused. Anything which can be misused will be.
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08-02-2011, 09:19 PM
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#16
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Recycles dryer sheets
Join Date: Nov 2007
Posts: 103
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7.69% total IRR according to quicken. Anyone know how to change that to real return? In any event, I think that puts me above 3% for the year (4.9%ish?). Resting my mouse on the bars, the biggest winners seem to be my healthy position in TIPS, and the REIT fund. I also did some decent timing in stocks this year.
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08-03-2011, 01:36 AM
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#17
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,020
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4.05 after plugging in the numbers this morning (8/3). Long way to go before I would re-balance to target.
33/55/12 (target is 34/56/10, which is age in bonds, 10% cash, remainder in equities)
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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08-03-2011, 05:22 AM
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#18
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gone traveling
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
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+2.58% YTD against entire retirement portfolio. That includes withdrawls to cover the majority of my retirement expenses for the last seven months, so I'm not complaining.
AA set at 50/50; current (with the market "adjustment" the last couple of weeks) 49/51 (49% equity/51% bond-cash).
Top three funds held for the period, FWIW (at 8/2 market close):
VGHCX (VG Healthcare): +8.42 YTD.
VFIDX (VG Interm-Term Investment-Grade Adm.): +6.59% YTD.
FTBFX (FIDO Total Bond): +5.52% YTD.
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08-03-2011, 05:57 AM
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#19
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Full time employment: Posting here.
Join Date: May 2007
Posts: 604
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YTD +3.55%
My equity portion is just 45%. I have 20% in TIPs, which are doing particularly well right now.
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08-03-2011, 06:17 AM
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#20
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,150
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Surprisingly + 5.6%, but I'm not concerned about what's happened in the market over the past few weeks. Typical summer...and it's about time we started work on closing the debt/deficit chasm. Everything needs to be on the table including Soc Sec, Medicare, Defense & Taxes.
__________________
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: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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