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What's Your YTD Return?
Old 11-18-2004, 03:14 PM   #1
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What's Your YTD Return?

I'm tracking @ 6.3%....
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Re: What's Your YTD Return?
Old 11-18-2004, 03:22 PM   #2
 
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Re: What's Your YTD Return?

Well, I would not be mad! I think mine is less than 5%.

Someone here a few weeks ago was stating his YTD return which also included his savings for that year into his portfolio! He was over 15% - We were all wondering which horse he bet on - literally
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Re: What's Your YTD Return?
Old 11-18-2004, 04:10 PM   #3
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Re: What's Your YTD Return?

Quote:
Someone here a few weeks ago was stating his YTD return which also included his savings for that year into his portfolio! *He was over 15% - We were all wondering which horse he bet on - literally
I think that was me. Why is that hard to believe? I think it is average at best. Many people here have stated they save 30% or more of their income. If they have a starting networth of $100K and end up with $130K, that's a 30% growth not even counting investment earnings.

This year my "investment" return has been 5.56%, but my "net worth growth" has been 17.86%.
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Re: What's Your YTD Return?
Old 11-18-2004, 04:42 PM   #4
 
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Re: What's Your YTD Return?

Quote:
This year my "investment" return has been 5.56%, but my "net worth growth" has been 17.86%.
That's fair. As long as you call ot Net worth growth, everyone knows what your talking about.

But if you say you had a return of 17.86%, that would raise a few questions.
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Re: What's Your YTD Return?
Old 11-18-2004, 05:00 PM   #5
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Re: What's Your YTD Return?

My coffeehouse portfolio is up 9.83% as of 11/18.

I lucked out by jumping into REIT and Inflation
Protection this spring after the big sell off. This
probably added 1+ % to the total return. Otherwise,
I would have been in the middle of the pack of
Vanguard's 60/40 balanced funds.

Cheers,

Charlie
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Re: What's Your YTD Return?
Old 11-18-2004, 06:11 PM   #6
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Re: What's Your YTD Return?

I'm up about 8% if I exclude real estate. If I had to make a guess on my real estate appreciation this year (outside of my home), I'd guess about +25%. If my guess and my math is right, that means a net YTD gain of 13.6%.
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Re: What's Your YTD Return?
Old 11-18-2004, 08:15 PM   #7
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Re: What's Your YTD Return?

According to quicken, 6.16% for the year.

I don't count home appreciation, I can't eat the house, and if I did try to eat the roof, we'd get wet when it rains.
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Re: What's Your YTD Return?
Old 11-18-2004, 08:17 PM   #8
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Re: What's Your YTD Return?

7.6% aggregate on stocks/bonds through 11/9. S&P 500 is up about 1.6% since 11/9, so aggregate would be up some since last check. As a class, international equities doing the best. I didn't include REIT, have not held it the full period.
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Re: What's Your YTD Return?
Old 11-19-2004, 04:55 AM   #9
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Re: What's Your YTD Return?

Hmmm - don't know, don't really care since I'm 12 yrs into ER as of this jan. But do care about taxes on cap gains(merger) and dividends/interest so I usually look at asset allocation around tax time. Mr Market/net worth is not as important as income streams and of course taxable events. Don't count real estate since I have no plans to sell two very small timber plots plus fish camp plus patented gold mine.

One stock at a time in my DRIPs and never rebalance. I also swag them as an imcome stream(dividends) not as net worth or assets when playing with FIREcalc.
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Re: What's Your YTD Return?
Old 11-19-2004, 05:43 AM   #10
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Re: What's Your YTD Return?

MSN Money portfolio tracker shows YTD return of 5.0%. That includes all my financial assets, including checking and savings accounts and money market mutual fund. My long term average annual return (1986 - today) is 11.5%.


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Re: What's Your YTD Return?
Old 11-19-2004, 05:48 AM   #11
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Re: What's Your YTD Return?

Im up around 9.5% this year.

50% fixed at around 5%
35% stock mutual funds. 9.5%
15% individual stocks 25%

I had some individual stocks really take off this year. Thanks to tanker and energy stocks. My overall net worth is up around 20% due to saving a large part of my income with the plan on ER next spring.

I also recently sold off a large part of my individual stocks and paid down my mortgage. I did this around a month ago. Of coarse everything is up that I sold.
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Re: What's Your YTD Return?
Old 11-19-2004, 06:07 AM   #12
 
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Re: What's Your YTD Return?

Well, you all know I am 100% CDs, MMs, bonds and
bond funds, so.....................outside of real estate and any income appreciation there, I have been getting about 7-8%. I am happy with this (no equities
exposure). However, I just sold some real estate and had a bond called, so I have some cash and no idea
where to put it. It's a nice problem to have I guess.

John Galt
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Re: What's Your YTD Return?
Old 11-19-2004, 06:24 AM   #13
 
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Re: What's Your YTD Return?

I had originally thought that my YTD return was under 5%, but I reviewed my Quicken Files this morning after seeing the others returns and found out that I had some problems with my saved reports in Quicken. I had neglected to include some accounts such as my New Vanguard REIT fund etc.

My portfolio is actually doing much better than I thought. It's up 11.2% YTD so far. I did not include my wife's company stock which is up 65% this year (from the price we bought it at). I do not intend to hold this that long and will roll over the stock to the bond portion next year.

The 11.2% does not include the real estate gains (outside my home) - Which is up over 25% this year. But that's just a guess.
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Re: What's Your YTD Return?
Old 11-19-2004, 08:23 AM   #14
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Re: What's Your YTD Return?

YTD for long-term accounts:
1 year - 10.14%
5 year - 4.36% - I started my investing lessons on all bonds and GIC portfolio and I guess I took some beatings in the past few years.

This does not include gain in property value, short-term accounts and my ING savings account. I don't usually track these accounts since property value nowadays is out-of-whack and short-term investment is well, short-term.

Jane



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Re: What's Your YTD Return?
Old 11-19-2004, 09:14 AM   #15
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Re: What's Your YTD Return?

My 401K is up at around 10.2%. My CD is only at 3.3%, money market 2%.

I took a loan from my 401K to fund a business which is on negative territory right now. Although the Real Estate part of the business grew 35%. My home value grew 15% this year.

Hoping to retire in 10 years...
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Re: What's Your YTD Return?
Old 11-19-2004, 11:36 AM   #16
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Re: What's Your YTD Return?

Retirement portfolio: +8.4% (>90% equities).
Kid's college fund: +13.8% (+18.5% without the 13% EE bonds).
Personal "brilliant investor" portfolio: -22%, mostly thanks to shorting Kmart.
Mortgage down to 5.5%.
Home equity: +30% according to the tax assessment, more than that according to the realtors.
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Re: What's Your YTD Return?
Old 11-19-2004, 12:24 PM   #17
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Re: What's Your YTD Return?

9.3% ex real estate, with taking below average risk...for example, my current cash holdings are 25%.

Doubt that next year will offer similar returns as I can't find much of value at current prices.
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Re: What's Your YTD Return?
Old 11-19-2004, 02:10 PM   #18
 
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Re: What's Your YTD Return?

Hey Cut-Throat, you have got me worried man!
How could you be that far off on the return on
your investments? I know my situation is pretty
simple, but still...............Hey! I found a place for my
excess cash. Long term corp. notes, rated just over
"junk status". 7%.............I can live with that on my
"forever" money.

John Galt
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Re: What's Your YTD Return?
Old 11-19-2004, 02:27 PM   #19
 
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Re: What's Your YTD Return?

Quote:
Hey Cut-Throat, you have got me worried man!
How could you be that far off on the return on
your investments?
Probably because I moved a lot of money around this year. Sold all my individual Stocks excepts my wife's co stock. Opened all the Vanguard Accounts. - So my accounts were all new to me this year. Also most all the gain came from 10% of the portfoilo is in the Wife's company stock which gained 65% for us this year. I actually don't look at this like my retirement portfoilo, because I plan on holding no individual stocks.

I really don't spend a lot of time tracking YTD return. Investing is not one of my hobbies. That is why the index fund approach appeals to me. I can just go fishing
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Re: What's Your YTD Return?
Old 11-19-2004, 03:31 PM   #20
 
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Re: What's Your YTD Return?

Re. "Just go fishing", I can't argue with that

John Galt
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