2012 returns of your investments

[bbbamI]

Both retired (55/58) taking instead of adding...

Back of the envelope says up a hair over 7%.

36/41/23

It's good enough for me.

 

[NW-Bound]

Thanks for the blast from the past. I read the thread again, and had to add a new chapter to this conversation at the start of 2012:

And who'da thunk. But it turned out that my international funds were the top performers in 2012. Especially OAKIX, which had the most exposure in Europe and Japan and blew away all the other funds with a 29%+ 2012 return.

Actually, OAKIX wasn't my best performing fund in 2012. TAREX, a REIT with mostly international holdings managed a 36%+ return for 2012.

Funny how things often turn out that way.....[although sometimes it takes a few years for a turnaround].

Isn't it amazing that a year passes by faster than anyone can imagine? It won't be too long now until we are true geezers who walk with a cane. It's sad!

But back on stock performance, my best MFs/ETFs/stocks this year are mostly international, with returns better than 20%. Yes, it's about time too. Meanwhile I still have individual stocks in sectors such as mining and energy exploration that have been underperforming the market. Generally, my patience paid off, but when including my below-market return of last year(compared to S&P500), I am still not happy.

What's past is done, but I am looking forward to my long-holding international stocks and ETFs that were underperforming in 2011 and first-half of 2012 to continue to recover and do well in the near future. Revenge will be mine, which was my threat last year too.

 

[fh2000]

9.22%

One trading account basically breaks even. Did not help with overall return. Got to remember to trade less in 2013.

 

[devans0]

I have an aggressive allocation 0f 89% equity vs 11% cd's. Equity is divided to 60% in foreign index funds and 40% are American funds

Return was 15%.

 

[timeasterday]

15.54% for a 75/25 portfolio. Looks nice but barely moves my total return rate since I started investing for retirement.

 

[jdmorton]

12.2% for my 401k, with about a 70/30 stock to nonstock allocation. As others have stated, much better than last year's negative return (-2.35%).

 

[Tree-dweller]

Mind if I join you at that bar?

8.62% XIRR with 35/50/15 AA

I'm very happy with that since it has now been 4 very solid years of gains since 2008.

Likewise, I'm sure. 8.5% (after factoring in fees) via similar AA, and similarly content: it's more than enough to cover my needs in current retirement.

 

[Lsbcal]

You can find some of your category returns here: Morningstar.com: Fund Category Returns

Here is a selection of some of the US and Foreign ones, ordered by returns YTD:

 

[Meadbh]

My return was more modest, 7% net of fees, but as I am in Canada, my portfolio has a lower proportion of US stocks, which outperformed the TSX in 2012.

https://www.tdwaterhouse.ca/markets...tps://www.tdcanadatrust.com/markets/index.jsp

Click on the indices tab to see the graph.

 

[jollystomper]

up 11.8%, 50% various bond funds and 50% various stock funds. Continuing to invest through the 2008-2009 madness was worth it. The gains have me more seriously thinking of retiring sooner than 2015.

My individual stocks "mad money" account stock was up about 16%, but I don't take that to mean that I'm any good at picking individual stocks/ETFs.

 

[photoguy]

Now all we need to do is merge this with the how complex is your portfolio thread and model/plot YTD return with number of funds

 

[Hamlet]

I don't have the numbers for our 401k's yet. For some reason the website hasn't updated for December yet. It will be a little higher than the rest of our money because I keep most of our international stock investments in the 401k's.

For everything else, we got 15.5%, from a 100% stock portfolio.

 

[golfnut]

11.3% with 52% stocks/40% bonds /8% cash

 

[ChiliPepr]

2012 was a very good year for me... I am not retired yet and had a major overweight in one stock that did particularly well....

I have 4 different buckets of money:
Current 401k, 10% of investments: Returned 12.5%
Private Investment Vehicle (after tax money), 20% of Investments: Returned 13.75%
After tax Investments, 35% of Investments: Returned 30.65%
Rollover IRA, 35% of Investment: Returned 14.46%

Total for 2013: 19.78%

I just sold a large portion of the overweighted stock and moved the cash to the private investment, so it will be interested in seeing how 2013 goes.

 

[ducky911]

14.1%.......thats 5 years living expenses....Lets do it again this year!

60/40 split...with a large dose of vwinx. schwab rates my standard deviation at 5.94

 

[pb4uski]

14.1%.......thats 5 years living expenses....Lets do it again this year!

60/40 split...with a large dose of vwinx. schwab rates my standard deviation at 5.94

I never thought of it that way, but my 2012 return equates to almost 4 years of living expenses. Nice way to look at it.

 

[frayne]

11.3% with 52% stocks/40% bonds /8% cash

Pretty much the same here but I did lower my handicap by 2 strokes and hitting the ball better than I have for ten years.

 

[pb4uski]

12.91%

I was shocked that the Quicken report I just ran said 0.00% but then I saw it was current year-to-date (2013) so if I change it to last year (2012) it indicates 12.91%.

I'm quite happy with that as my deterministic assumption for retirement planning is an intentionally conservative 5.5%. Since my cash and invested assets increased 9.49% for 2012 it looks like my WR was ~ 3.4% compared to a target of 3.5%.

Target AA is 42% domestic equities, 14% international equities, 37% bonds and 7% cash/short term investments (or ~ 2 years of living expenses in cash/short term investments and 60/40 for investments) and is mostly Vanguard. ER is ~ 0.17%.

Update - reconciled my accounts earlier today and found a couple errors on some 12/31/2012 imported transactions and some other stragglers - now show 13.48% investment return and 10.05% increase in cash and invested assets.

 

[eridanus]

13.9% in Vanguard 90/10 AA. 16.5% in 401k 96/4 AA.

 

[Lisa99]

11.04% - 60/40 AA - comprised of four index funds.

 

[KMyer]

20.56%

All equities. 2012 was a great year to be an equity investor. 2011 wasn't so pretty.

It was interesting to see what worked especially well in 2012:

An Euro Fund
Various bank stocks
Various home improvement stores
Various recreational equipment manufacturers
Etc.

 

[martyb]

Ok, so I did the math, and to my surprise, I actually DID have a gain of 28.35% in addition to my contributions, to my TSP account! Wow....that sure feels good! Almost makes up for my crummy returns of last year (-6.9%). Sure wish I could do that every year...lol. I've already lost out the first two strong bull market days of 2013.

Here's the final return info for all of mine & DW's accounts:

My TSP: 28.35%
My VG Roth IRA: 11.4% (Target Retirement 2015)
DW VG Roth IRA: 11.4% (Target Retirement 2015)
DW 401k: 8.52% (too conservative, plan to adjust)

 

[NW-Bound]

I never thought of it that way, but my 2012 return equates to almost 4 years of living expenses. Nice way to look at it.

It's not really yours until you sell. The market god may just take it all back. Stop that silly dancing!

The gains of just 12/31/2012 and today 01/02/2013 for me were about enough for 2013 yearly expenses (3.5%WR). Should I sell everything and drive off in my RV and take the rest of the year off the market? I hope that in the days ahead, I will not regret NOT doing just that.

PS. Oops. Missed typing a word that makes all the difference in the meaning. It's capitalized as shown above.

 

[CCdaCE]

Roughly 50/50
Vanguard FTSE All-World ex-US Index Fund and
Vanguard Total Stock Market Index Fund

Vanguard says 17.5% YTD/2012. Started the year 46/54, Rebalanced once on 9/14, Ended 51/49.

-CC

https://personal.vanguard.com/us/XH...0224924_2&Ticker=VTSAX&AcctId=153890330224924

 

[LeavingOhio]

I made 18.0% in 2012 on an allocation of 87% stocks (in mutual funds) to 13% bonds.

As was the case with bondi688, my Fidelity funds did better in 2012 than my Vanguard funds. Regardless, I'll take 18% any year no matter how it happens!