2019 YTD Investment Performance Thread

[Sittinginthesun]

23.4% XIRR 93% equities (with several million in assets outside of the markets).

Not a bad return for a lazy couch potato indexer.

 

[pb4uski]

17.69 per MoneyChimp with a 50/50 AA The bond funds have helped carry the load this year. 2 intermediates vbtlx and vbilx along with vscsx as short term.

Yeah, while I'm still happy with my decision to buy 3.5% and 3.0% CDs earlier this year, I didn't get the pop in value from the cuts in interest rates... but at the same time, I won't get the pain when rates rise.

 

[Dtail]

Yeah, while I'm still happy with my decision to buy 3.5% and 3.0% CDs earlier this year, I didn't get the pop in value from the cuts in interest rates... but at the same time, I won't get the pain when rates rise.

+1
Left bond funds last year, but also got some good CD deals, which will last 5 years. Then we will see.

 

[VanWinkle]

Yeah, while I'm still happy with my decision to buy 3.5% and 3.0% CDs earlier this year, I didn't get the pop in value from the cuts in interest rates... but at the same time, I won't get the pain when rates rise.

True be it, I think your way is a good call also. Last year the same funds took a bit of a hit. Cds just seem like too much work, but you could convince me otherwise.

 

[VanWinkle]

+1
Left bond funds last year, but also got some good CD deals, which will last 5 years. Then we will see.

I agree with your thinking, and I would not advise to jump into the bond funds now. I am buy and hold, so I ride the waves as they come. You will do as well or better over the long term.

 

[pb4uski]

True be it, I think your way is a good call also. Last year the same funds took a bit of a hit. Cds just seem like too much work, but you could convince me otherwise.

Not sure about too much work, but there is some work/hassle involved, especially in my case since the CDs are all in tIRAs.

1. Join the credit union and make a small deposit to establish a share account (usually $5 and done all online or by phone).

2. Set up a tIRA account

3. Fund the tIRA account through a transfer from Vanguard (worst part and takes the longest IME).

4. Buy the CDs from the funds in the tIRA.

All told, 5-10 hours of effort depending on how smoothly step 3 goes. But for me, 3.5% to 3.0% for 5 years FDIC insured seems worth the effort.

 

[VanWinkle]

Not sure about too much work, but there is some work/hassle involved, especially in my case since the CDs are all in tIRAs.

1. Join the credit union and make a small deposit to establish a share account (usually $5 and done all online or by phone).

2. Set up a tIRA account

3. Fund the tIRA account through a transfer from Vanguard (worst part and takes the longest IME).

4. Buy the CDs from the funds in the tIRA.

All told, 5-10 hours of effort depending on how smoothly step 3 goes. But for me, 3.5% to 3.0% for 5 years FDIC insured seems worth the effort.

No good to buy brokered CDs from Vanguard then?

 

[stlguy57]

Using the Personal Capital tool. Tells me I'm up 35.95%.

Have a significant holding in AAPL that I can't sell since I'm using the ACA Healthcare subsidy this year, along with some ITOT.

2020 will be the last year for ACA and the subsidy qualify limitation since we will be able to get back on FEHB for medical. Then we can start doing Roth conversions to reduce the potential RMD's in 8 years.

 

[audreyh1]

Using the Personal Capital tool. Tells me I'm up 35.95%.

Have a significant holding in AAPL that I can't sell since I'm using the ACA Healthcare subsidy this year, along with some ITOT. This is last year for ACA and the subsidy qualify limitation.

Fortunately (or unfortunately) DH’s significant AAPL holding is in his SEP-IRA so he has been able to start trimming aggressively without tax concerns.

On the other hand, such a run up over 20 years means much larger RMDs in another 5 years.

They get you one way or another!

Gosh - you just have to wait until Jan then!

 

[stlguy57]

Fortunately (or unfortunately) DH’s significant AAPL holding is in his SEP-IRA so he has been able to start trimming aggressively without tax concerns.

On the other hand, such a run up over 20 years means much larger RMDs in another 5 years.

They get you one way or another!

Gosh - you just have to wait until Jan then!

Yes they do Audrey. I meant 2020 will be the last year for the subsidy as we will be able to get back on the Federal Health Care benefit. I just turned 62 so I have 8 years before the dreaded RMD's. Good on you for your husband having it in his tax sheltered account!

Still I'm grateful and in a much better position with AAPL and the taxes than I would have been without any shares starting in 2006.

 

[Dtail]

No good to buy brokered CDs from Vanguard then?

I can state that the brokered CD rates at Fidelity don't even compare currently to these special rate deals at typically the credit unions.
Related to your other post, I am pretty much a buy and hold guy too, but play around a little on the bond looking for yield/online bank deals, etc.
As PB said, there is a little work upfront, but then no work for 5 years.

 

[pb4uski]

No good to buy brokered CDs from Vanguard then?

I could but the yields of brokered CDs are not very attractive IMO compared to periodic CD specials.... if it isn't 3% or more I'm not interested.

 

[Souschef]

I have one fund that is $400 away from 7 figures

 

[kgtest]

I have one fund that is $400 away from 7 figures

Futures are down...but I've seen this the past week or two and then they pop. You might get 'lucky' and have an up day...I am thinking so.

 

[HFWR]

+ 17.34%

2020, to the sky, flat, or take it all back?

 

[Dtail]

+ 17.34%

2020, to the sky, flat, or take it all back?

Could be all 3....

 

[street]

17.89% or 18% to the positive. So, $180 for every $1000 invested since January. Pretty amazing what has been happening.

^ HFWR >>> I'm afraid to even guess, I do know it can't last for infinite. LOL

 

[kgtest]

1/31 +10% YTD Over half recovered from my terrible Nov/Dec '18
2/28 +14.57% and almost back to my 52 week high.just another ~4.5% to break the 52 week high
3/31 +16.75% and I was beating all three major indexes...
4/30 +21% 52week high, net worth at record highs, liabilities at all time lows...blessed.
5/31 +13.27% nice little 7% tariff haircut. Oh, I know it was priced in eh?
6/28 +21.46% regaining my 52 week high from back in April I'll take an 8% month .
7/31 +25% as you can see, growth has slowed first 3 months provided 65% of my YTD
8/31 +22.5% backpedaled a bit. Up double digits year over year. Happy Labor day y'all blowin the dough at a 5 star with the family
9/30 +23% took a bath in Slack WORK
10/31 +27.75% portfolio at all time highs (I own AAPL), debt at all time lows. Bull runs on
11/29 +34.25% anytime I can get 6.5% in 28 days I am happy looks like someone is finally beating me nice work

 

[robnplunder]

Up 11.2%. Under performing the folks posting in this thread but convincing myself to be happy ...

+13.2%. Unless a meteor strikes earth in next 30 days, 2019 appears to be a positive year.

 

[NW-Bound]

24% YTD. Stock AA is now down to 53%.

 

[Andre1969]

Time for my monthly check in. Here's my results, so far this year...

1/31/19: +7.94%
2/28/19: +11.4%
3/31/19: +12.8%
4/30/19: +15.6%
5/31/19: +10.4%
6/28/19: +15.9%
7/31/19: +17.8%
8/31/19: +17.4%
9/30/19: +18.9%
10/31/19: +20.0%
11/30/19: +23.9%

And, as before, that's rate of return, rather than just how much my net worth has changed, since that would be thrown off by additional investments or withdrawals

 

[Gumby]

17% -- ytd

 

[pb4uski]

So far, so good. Was over 16% earlier in Nov but end of month dipped below.

1/31/2019	5.10%
2/28/2019	7.02%
3/31/2019	8.08%
4/30/2019	10.56%
5/31/2019	6.83%
6/30/2019	11.34%
7/31/2019	11.96%
8/31/2019	11.00%
9/30/2019	12.43%
10/31/2019	14.01%
11/30/2019	15.94%

 

[target2019]

October 2019

• +16.91% Total Portfolio Value increase YTD (31-Oct-2019)
• +11.87% Estimated YTD Performance (31-Oct-2019), total pie weighted
• 50-45-05 (Stk-Bnd-Csh) Target AA

YTD Benchmark for managed 50/50 portfolio:

• 50/50 American Funds American Balanced Fund 17.17%

YTD Benchmark for indexed 50/50 portfolio:

• Russell 2000 14.6%
• Bloomberg Barclays U.S. Aggregate Bond 7%
• 50/50 Benchmark 10.8%

November 2019

• +19.27% Total Portfolio Value increase YTD (30-Nov-2019)
• +12.91% Estimated YTD Performance (30-Nov-2019), total pie weighted
• 50-45-05 (Stk-Bnd-Csh) Target AA

YTD Benchmark for managed 50/50 portfolio:

• 50/50 American Funds American Balanced Fund 14.68%

YTD Benchmark for indexed 50/50 portfolio:

• Russell 2000 19.87%
• Bloomberg Barclays U.S. Aggregate Bond 7.40%
• 50/50 Benchmark 13.64%

 

[Ed B]

As of 11/30

YTD: 20.65%

12 month: 15.69%

60/35/5