|
View Poll Results: Your investment return for 2014
|
|
Less than 0%
|
   
|
0 |
0% |
|
0% to 5%
|
  
|
14 |
8.75% |
|
5% to 10%
|
  
|
103 |
64.38% |
|
10% to 15%
|
  
|
33 |
20.63% |
|
15% to 25%
|
  
|
5 |
3.13% |
|
Over 25%
|
  
|
5 |
3.13% |
 |
|
01-02-2015, 08:57 AM
|
#1
|
|
Recycles dryer sheets
Join Date: Jul 2011
Location: Oregon - Dry Side
Posts: 241
|
Post your 2014 investment returns here, inclusive of dividends and all fees. But exclusive of any contributions or withdrawals.
Commonly referred to as 'time weighted rate of return'.
 Quote:
INVESTOPEDIA EXPLAINS 'TIME-WEIGHTED RATE OF RETURN'
It is assumed that all cash distributions are reinvested in the portfolio and the exact same periods are used for comparisons. When calculating time-weighted rate of return, the effect of varying cash inflows is eliminated by assuming a single investment at the beginning of a period and measuring the growth or loss of market value to the end of that period.
|
|
|
|
 |
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!
Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!
|
|
01-02-2015, 09:17 AM
|
#2
|
|
Recycles dryer sheets
Join Date: Jul 2011
Location: Oregon - Dry Side
Posts: 241
|
29.6% vs. S&P 500 benchmark of 13.5% and inclusive of dividends, brokerage fees, margin interest and exclusive of portfolio deposits and withdrawals (time weighted rate of return).
But with heavy volatility in the 4th quarter of the year.
Point A - Apple reports Q2 earnings
Point B - October 'almost a correction'
Point C - Black Friday, OPEC maintains 30MM BOPD production target
|
|
|
|
|
01-02-2015, 09:29 AM
|
#3
|
|
Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: Williston, FL
Posts: 3,925
|
401K was 9.23%. Fidelity over all was 11.04 at 11/30, but I had a lot of cash in it for a long time.
The RE portfolio is always 20%+ on my initial investment. Probably a lot higher on an after tax basis.
__________________
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!!
|
|
|
|
|
01-02-2015, 09:29 AM
|
#4
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2007
Location: Independence
Posts: 7,011
|
After sitting out 2013 we started buying back in a few months into 2014. Put in what was sitting in the VG prime money market and added almost twice that amount. Bought pretty regularly every week for about 8 months. Ended up with 5.9% earnings for the year according to VG. Not bad for our time in market.
A discussion is taking place in the house regarding a large chunk of PenFed certificates that mature in a few days. We have adequate income to our needs and I like the idea of the money growing and us not paying tax annually on most of it's increase as it grows. SWMBO agrees but wants to buy low. I don't know when that is...
EDIT: should note that the above is purely our return from VG. Doesn't speak to our rental property or the hard money lending we did to flippers or the .01-4% we made with funds sitting in different banks.
|
|
|
|
|
01-02-2015, 09:56 AM
|
#5
|
|
Recycles dryer sheets
Join Date: Jan 2007
Posts: 210
|
I earned a smidgeon above the S&P 500 return coming in at 11.46%. But that included an approximate 25% allocation in cash and bonds.
How does one go about achieving a 29.6% rate of return? Your last name isn't Buffett, is it?
|
|
|
|
|
01-02-2015, 10:03 AM
|
#6
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2006
Posts: 11,401
|
Balanced portfolio 9%.
|
|
|
|
|
01-02-2015, 10:06 AM
|
#7
|
|
Thinks s/he gets paid by the post
Join Date: Aug 2013
Location: North
Posts: 3,767
|
Quote:
Originally Posted by ScaredtoQuit
I earned a smidgeon above the S&P 500 return coming in at 11.46%. But that included an approximate 25% allocation in cash and bonds.
How does one go about achieving a 29.6% rate of return? Your last name isn't Buffett, is it?
|
Take a look at this Mock portfolio I put together earleir this year...65k invested would have returned over 25% or $17,000.
http://www.early-retirement.org/forums/f44/a-quick-mock-15-ytd-portfolio-74099.html#post1537891
As for my portfolio it returned just a bit over the S&P 12% mark.
__________________
Time > $$$ ~ 100% equities ~ FIRE @2031
|
|
|
|
|
01-02-2015, 10:08 AM
|
#8
|
|
gone traveling
Join Date: Jun 2014
Location: Suburbs of Mpls
Posts: 272
|
8.45
My international funds lagged.
Moving more into real estate this next year.
|
|
|
|
|
01-02-2015, 10:17 AM
|
#9
|
|
Thinks s/he gets paid by the post
Join Date: Oct 2002
Location: Chattanooga
Posts: 3,558
|
Overall portfolio around 7.5%.
__________________
Earning money is an action, saving money is a behavior, growing money takes a well diversified portfolio and the discipline to ignore market swings.
|
|
|
|
|
01-02-2015, 10:28 AM
|
#10
|
|
Thinks s/he gets paid by the post
Join Date: Oct 2008
Posts: 2,578
|
First 401K was 2.6 %. Second 401K was 3.1 %. Low numbers but I like the stable value funds. 
|
|
|
|
|
01-02-2015, 10:40 AM
|
#11
|
|
Thinks s/he gets paid by the post
Join Date: Nov 2013
Location: Bay Area
Posts: 2,745
|
Quote:
Originally Posted by ScaredtoQuit
How does one go about achieving a 29.6% rate of return?
|
By having an unbalanced portfolio, and getting lucky on the said portfolio. Been there and done that when I was younger. With my RE fund, I am happy to come in somewhere between bond & stock performance.
|
|
|
|
|
01-02-2015, 10:54 AM
|
#12
|
|
Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,743
|
6.25% on a 50/50 allocation but slept very well...... I'll be happy with the same performance in 2015 with the international equity side hopefully gaining ground.
|
|
|
|
|
01-02-2015, 11:02 AM
|
#13
|
|
Thinks s/he gets paid by the post
Join Date: Jun 2013
Location: Bonita (San Diego)
Posts: 1,795
|
12.29% (85/15) - heavy S&P influence, most of the bond allocation is G Fund, 15% stock allocation is International (I fund and Vanguard Total Int'l). My small AAPL allocation gave me a boost, as well.
__________________
"So we beat to our own drummer in the sun;
We ask for nobody's permission to run.
I just wanna live in a world like that;
Now I'm gonna live in a world like that!" - World Like That, O.A.R.
|
|
|
|
|
01-02-2015, 11:08 AM
|
#14
|
|
Full time employment: Posting here.
Join Date: Apr 2011
Location: Castro Valley
Posts: 786
|
6.32% with a 40% Stocks, 40% Bonds and 20% Cash portfolio.
I'm happy with the returns and would like more of the same in the future.
|
|
|
|
|
01-02-2015, 11:20 AM
|
#15
|
|
Thinks s/he gets paid by the post
Join Date: Jun 2013
Location: Bonita (San Diego)
Posts: 1,795
|
Quote:
Originally Posted by wingfooted
29.6% vs. S&P 500 benchmark of 13.5% and inclusive of dividends, brokerage fees, margin interest and exclusive of portfolio deposits and withdrawals (time weighted rate of return).
But with heavy volatility in the 4th quarter of the year.
Point A - Apple reports Q2 earnings
Point B - October 'almost a correction'
Point C - Black Friday, OPEC maintains 30MM BOPD production target
|
Interesting because there are a lot of different estimates for the S&P returns that I've seen. I assume the 13.5% includes dividend return, because by all the measures I have, I just beat the S&P but posted 12.29% pre-dividend and S&P was just under 12%. Inclusive of the dividends, PC showed my performance as 14.49%, still above S&P.
__________________
"So we beat to our own drummer in the sun;
We ask for nobody's permission to run.
I just wanna live in a world like that;
Now I'm gonna live in a world like that!" - World Like That, O.A.R.
|
|
|
|
|
01-02-2015, 12:12 PM
|
#16
|
|
Moderator
Join Date: Feb 2010
Location: Flyover country
Posts: 22,975
|
18.1% on a 60/40 portfolio. I consider it a stellar year. 
|
|
|
|
|
01-02-2015, 12:17 PM
|
#17
|
|
Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,743
|
If the S&P 500 returned 12% how could a 60/40 portfolio return 18%?
Am I missing something?
|
|
|
|
|
01-02-2015, 12:17 PM
|
#18
|
|
Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 46,759
|
That's for sure! I think that back in 2008 we all dreamed of years like this. Wow.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
|
|
|
|
01-02-2015, 12:25 PM
|
#19
|
|
Full time employment: Posting here.
Join Date: Jan 2008
Posts: 733
|
6.8% with 55/35/10 portfolio. We're basing ER spending on 3% real returns, so I'm happy with that. Using COLA adjustments of 1.7%, I'm looking at 5% real for 2014.
__________________
Retired July 2013 at age 49.
Lazy Portfolio Investor:
AA: 55% Stocks
35% Bonds
10% Cash
|
|
|
|
|
01-02-2015, 01:23 PM
|
#20
|
|
Full time employment: Posting here.
Join Date: Jul 2014
Location: Undisclosed
Posts: 948
|
10.6% 65/35 portfolio
|
|
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
|
| Thread Tools |
Search this Thread |
|
|
|
| Display Modes |
 Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
» Quick Links
|
|
|
