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10-24-2014, 05:14 PM
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#81
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 7,111
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My review of my YTD total return of the S&P index fund is 8.31%. I hold that in my Roth. My IRA is 100% O. Its total return (I reinvest dividends) this year is 24.87%. I had no idea that it was doing THAT well. Reason enough to harvest my MRD in December after dividends are invested.
DH's IRA is Wellesley Income which is 5.68% YTD. His Roth is also all equity and is not doing much better, all in all.
__________________
Duck bjorn.
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10-24-2014, 05:30 PM
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#82
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: Williston, FL
Posts: 3,925
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Quote:
Originally Posted by Brat
My review of my YTD total return of the S&P index fund is 8.31%.
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Assuming you had a investment adviser that put you into the S&P, you can deduct a service fee of ~1.31% and have ~7% left. If you beat 7%, you beat the returns of most (85%+) advisers.
I beat the S&P in my IRA with IVW at 9.34%, my individual account is a bit less (4.95%) as I had a lot of cash in it earning .01%. I have since paid off a mortgage of $188K @ 5.5%.
In my Roth, I have a few dogs (BAC, ACH) which are getting weeded out. It stands at 5.54%.
Of course my RE portfolio has been stellar, bringing in 25%+ on my investments in rentals since 2008.
__________________
FIRE no later than 7/5/2016 at 56 (done), securing '16 401K match (done), getting '15 401K match (done), LTI Bonus (done), Perf bonus (done), maxing out 401K (done), picking up 1,000 hours to get another year of pension (done), July 1st benefits (vacation day, healthcare) (done), July 4th holiday. 0 days left. (done) OFFICIALLY RETIRED 7/5/2016!!
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10-24-2014, 05:39 PM
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#83
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Location: North
Posts: 4,031
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Quote:
Originally Posted by Senator
Assuming you had a investment adviser that put you into the S&P, you can deduct a service fee of ~1.31% and have ~7% left. If you beat 7%, you beat the returns of most (85%+) advisers.
I beat the S&P in my IRA with IVW at 9.34%, my individual account is a bit less (4.95%) as I had a lot of cash in it earning .01%. I have since paid off a mortgage of $188K @ 5.5%.
In my Roth, I have a few dogs (BAC, ACH) which are getting weeded out. It stands at 5.54%.
Of course my RE portfolio has been stellar, bringing in 25%+ on my investments in rentals since 2008.
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Can't beat the real estate returns these past few years.
I am at 7.65% YTD between IRAs, 401k and taxable brokerage. Real estate is doing just fine for me as well.
__________________
Time > $$$ ~ 100% equities ~ FIRE @2031
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10-25-2014, 05:04 AM
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#84
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Recycles dryer sheets
Join Date: Jul 2011
Location: Oregon - Dry Side
Posts: 247
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YTD 2014 is plus 36% on a time weighted basis including dividends, margin interest and brokerage fees.
October has been extremely volatile and I am down this month due to overweight in energy stocks, which have been severely hit. Trying to trade around it as best I can.
Biggest single position has been Apple, which of course has done very well.
Still keeping the same strategy, modestly leveraged and writing the calls / selling puts on all names except Apple.
Sent from my iPad using Early Retirement Forum
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10-25-2014, 08:29 AM
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#85
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,686
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Quote:
Originally Posted by kgtest
Can't beat the real estate returns these past few years.
I am at 7.65% YTD between IRAs, 401k and taxable brokerage. Real estate is doing just fine for me as well.
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I hold Vanguard's REIT fund in my Roth. That's 138 REITs in one.
The out-performance of REITs during the recent stock market correction has been noticeable. Glad I have this asset.
Year-to-Date
as of 10/23/2014 : 22.41%
as of 09/30/2014 : 14.01%
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12-22-2014, 04:53 PM
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#86
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Thinks s/he gets paid by the post
Join Date: Nov 2013
Location: Bay Area
Posts: 2,745
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Looks like barring a meteor strike, I am going to close the year with gains. Despite the stock market gain, all my mutual funds underperformed S&P 500 (except for my S&P 500 index fund ). It was no surprise for bond funds but my aggressive stock funds (chemical, emerging market) had low to mid single digit gains. That may bode well for next year if I want to stick with the current set.
If I RE'd last year, the gain would have almost covered my yearly expense.
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12-22-2014, 06:54 PM
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#87
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Thinks s/he gets paid by the post
Join Date: Jun 2014
Posts: 1,069
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Only 4-5 percent gain despite 100% equities. Internationals dragging me down. Hopefully they catch up next year.
Sent from my iPhone using Early Retirement Forum
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12-22-2014, 07:33 PM
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#88
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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Up around 8% nominal.
45/35/10/10 stocks, bonds, reit, cash
Sent from my iCouch using Early Retirement Forum
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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12-22-2014, 08:57 PM
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#89
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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The large caps (read S&P 500) are doing very well this year, and trounce the small caps. We will see what happens next year.
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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12-22-2014, 09:11 PM
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#90
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Recycles dryer sheets
Join Date: Jan 2012
Posts: 441
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+9.8% YTD in an all stock (65% domestic+35% International) Lrge Cap portfolio. Expect International stocks (Europe) to perform better in 2015.
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12-22-2014, 09:18 PM
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#91
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,645
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Vanguard Account: + 10.4% YTD
Schwab Account: + 4.68% YTD
(Schwab is down due to oil holdings)
The above does not count funds in 3% PenFed CDs or cash in Ally accounts
__________________
*********Go Astros!*********
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12-22-2014, 10:23 PM
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#92
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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: 36,266
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Overall ~6.1% annualized return YTD per Quicken. Equity returns ~7.9% (great domestic equities offset by poor international equities) and fixed income ~ 2.8%
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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12-22-2014, 11:08 PM
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#93
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Recycles dryer sheets
Join Date: Apr 2008
Posts: 223
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Quote:
Originally Posted by Options
Those beating the market through any sort of timing or other tricks this year will be those that trail it next.
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+1
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12-23-2014, 04:38 AM
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#94
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Recycles dryer sheets
Join Date: Dec 2012
Posts: 335
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Overall return was 18%. Biggest winners: LLY - 41%, FDX - 24%, DUK - 21%, MMM - 22%, and JNJ - 16%. I'm crazy about dividends. I dumped the Vanguard International Index Fund in July. The rest was in Vanguard and FIDO funds.
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12-23-2014, 08:55 AM
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#95
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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Quote:
Originally Posted by Options
Those beating the market through any sort of timing or other tricks this year will be those that trail it next.
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Well, what if they sell the high flyers and buy the beaten down sectors now? Once you do a thing right, it is easier to do the next right thing.
That said, I will admit that I am not among those lucky ones this year. International and energy stocks let me down; I am holding them waiting for a better time. I am refraining from being greedy and piling on more. That hurt me in 2000-2002 when I kept buying semiconductor stocks on dips.
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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12-23-2014, 08:56 AM
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#96
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,586
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Quote:
Originally Posted by robnplunder
Looks like barring a meteor strike, I am going to close the year with gains.
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Please don't jinx it for the rest of us...
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12-23-2014, 08:57 AM
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#97
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2011
Posts: 8,363
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I always set my 'minimum amount to be happy' at 8%. I've been ecstatic over the past few years. But with a few days left, I don't think I'll make it this year.
Running about 7.0% as of yesterday after what was looking like a stellar year back in July.
__________________
Living well is the best revenge!
Retired @ 52 in 2005
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12-23-2014, 09:20 AM
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#98
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Recycles dryer sheets
Join Date: Mar 2011
Location: North Carolina
Posts: 217
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Vanguard (87% of portfolio at ~60/40) - 11.1% - per Vanguard site for YTD)
Older I-Bonds (8% of portfolio) - (~4% - need to verify)
Cash/"High yield" Savings, Gold/Silver bars (5% of portfolio) (~0% - need to verify)
(Note: Vanguard funds had minimal International and Emerging Market Exposure)
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12-23-2014, 09:29 AM
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#99
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Thinks s/he gets paid by the post
Join Date: Jul 2009
Location: North Scottsdale
Posts: 1,545
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YTD 10.14%. AA is 62% equities, 38% fixed.
__________________
FIRE'D in July 2009 at 51...Never look back!
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12-23-2014, 09:54 AM
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#100
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Full time employment: Posting here.
Join Date: Jan 2008
Posts: 757
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YTD @ 6.98% in VG 3 Fund Portfolio. My ER plan is based on ESPlanner at ~3% real return and given CPI inflation at 1.7%, we're ahead of the game for 2014. I'm happy with that.
__________________
Retired July 2013 at age 49.
Lazy Portfolio Investor:
AA: 55% Stocks
35% Bonds
10% Cash
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