PackingBags
Confused about dryer sheets
- Joined
- Dec 13, 2011
- Messages
- 6
up about 0.9%
Eh, good luck or bad luck, a win is still a win, and my loss is still a loss.I'm up about 9% YTD, although I'll admit I lucked out...
You are fully retired, yet having no withdrawal and still putting money away?No withdrawals, DCA additions...
I am sure there are more than one way, but this year, one MF that is popular on this forum has done well. It was already mentioned a few times on this thread. It is also conservative.I'm glad I found this thread, I had been wondering how people did in 2011. My entire portfolio is up about 2.2%. Seeing others with similar numbers made me feel better, or at least not as bad. I was over 4% on 6/30...and naive enough to think if I just left things alone I'd end up at 8% or so CY2011.
Ok so what's the secret to those who reported in at the 7, 8 percent range? My portfolio does lean the lower risk side of the spectrum.
Yep that's true, I was using Vanguards tools and they don't have YTD numbers. Also I included my after tax account and there's been a lot of activity in that to pay down the mortgage. For just the retirement portion I'm at +7.2% for one year and if I take YTD returns over beginning balance I'm at +5.4%. Thank you Wellesley.
Both VG and FIDO web sites give you this number.
TJ
According to VG,, my IRR thru 11/30/11 is +6.2%. Haven't taken any withdrawals this year, nor added any "new" money beyond reinvesting of capital gains/dividends.
No complaints given the roller coaster market!
According to Vanguard my accounts there are up 5.3%. Including my other investments, 4.8%.
To my inexperienced eyes, it appears that in Vanguard's performance area, the IRR is calculated to end of previous month, but the chart shows actual through the current date.
But wait, that chart is a plot of actual returns, and not the balance.
Most stock funds post losses this yearThe average diversified U.S. stock mutual fund has fallen 5.9% this year, vs. a 1.4% loss for the Standard & Poor's 500-stock index, says Lipper, which tracks the funds. Out of 8,036 funds, 7,399, or 92%, are showing a loss — and some are doozies.
So, what is the up/down of the total?
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