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12-31-2015, 05:16 PM
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#581
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Recycles dryer sheets
Join Date: Mar 2010
Location: Poway, CA
Posts: 441
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We're at -.52 % overall for the year.
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12-31-2015, 05:23 PM
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#582
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Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 2,525
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Quicken says investments are up .32% for the year but for only the second time since ER 13 years ago, liquid NW is down ~ 2%. What's with this drawing assets down? I thought it was supposed to be up and up? 
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12-31-2015, 05:31 PM
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#583
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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+0.3% for the year for my stock/bond portfolio. And 4.1% for my CD ladder.
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12-31-2015, 05:39 PM
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#584
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Posts: 5,350
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 Quote:
Originally Posted by FIREd
+0.3% for the year for my stock/bond portfolio. And 4.1% for my CD ladder.
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Would I be correct in assuming your CDs are 10 year CDs and nearly ending?
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12-31-2015, 06:07 PM
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#585
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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Quote:
Originally Posted by aaronc879
Would I be correct in assuming your CDs are 10 year CDs and nearly ending?
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They are 5-10 year CDs maturing between 2017 and 2021.
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12-31-2015, 06:22 PM
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#586
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Posts: 5,350
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Quote:
Originally Posted by FIREd
They are 5-10 year CDs maturing between 2017 and 2021.
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You must have gotten some really good deals. A quick search showed average 5 year cds haven't been at the 4% level since around 2007.
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12-31-2015, 06:34 PM
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#587
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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Quote:
Originally Posted by aaronc879
You must have gotten some really good deals. A quick search showed average 5 year cds haven't been at the 4% level since around 2007.
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I have some 5-year CDs purchased from PenFed in December 2013 paying 3%. And a good helping of 10-Year CDs purchased from PenFed in January 2011 paying 5%. Throw in a few 7-year CDs purchased from USAA throughout 2010 paying 3.5-3.85% and the weighted average comes to just over 4%.
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12-31-2015, 08:41 PM
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#588
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Full time employment: Posting here.
Join Date: Jan 2008
Posts: 759
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Final numbers are in…. -0.43% XIRR. Raising my glass to a better 2016…Cheers.
__________________
Retired July 2013 at age 49.
Lazy Portfolio Investor:
AA: 55% Stocks
35% Bonds
10% Cash
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01-01-2016, 01:23 AM
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#589
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Recycles dryer sheets
Join Date: Dec 2013
Posts: 331
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Up 3.9% with no idea whether I am calculating that correctly. Considering how many of you are reporting losses I'm guessing I did it wrong.
What I did was I took the difference between last year's Dec 31st numbers and this year's numbers, subtracted my contributions, then divided the result by last year's total. Is that the right way?
Sent from my iPhone using Early Retirement Forum
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01-01-2016, 04:20 AM
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#590
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Thinks s/he gets paid by the post
Join Date: Nov 2014
Location: Austin
Posts: 1,384
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Final Tally for 2015 across all accounts: -0.9%
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01-01-2016, 05:32 AM
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#591
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Thinks s/he gets paid by the post
Join Date: Oct 2012
Location: Colorado Mountains
Posts: 3,165
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Quote:
Originally Posted by FI by 2024
Up 3.9% with no idea whether I am calculating that correctly. Considering how many of you are reporting losses I'm guessing I did it wrong.
What I did was I took the difference between last year's Dec 31st numbers and this year's numbers, subtracted my contributions, then divided the result by last year's total. Is that the right way?
Sent from my iPhone using Early Retirement Forum
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Sounds right to me.
Example: Last year = $1,000,000
This year - contributions = $1,039,000
$39,000/$1,000,000 = .039 or 3.9%
If you are in index funds tracking the S&P, there is something probably wrong. Make sure you subtracted all contributions.
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01-01-2016, 05:56 AM
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#592
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Moderator
Join Date: Feb 2010
Location: Flyover country
Posts: 25,356
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Final tally shows portfolio down 0.9% for the year, and net worth down about 6% due to buying a new home.
Annualizing it over a number of years though, we're doing fine.
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01-01-2016, 06:09 AM
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#593
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2015
Location: Michigan
Posts: 5,003
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Overall I was up .1% with AA 75/25. However, it is pertinent to look at some internals. I have my investments in 3 fairly equal sized accounts - my 401K, a long time self managed account, and an account that was advisor managed until a year ago when I took it over too. This last account still held some investments that the manager had chosen, since selling everything at once would have generated a big tax bill. This third account was down 1.7%. The other two were up 1.2% and .8% respectively.
__________________
"The mountains are calling, and I must go." John Muir
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01-01-2016, 06:37 AM
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#594
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Recycles dryer sheets
Join Date: Mar 2011
Location: North Carolina
Posts: 217
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Just did my EOY tally. Portfolio (~55/40/3/2 Eq/Bnd/$$/PM) down 1.5% from EOY Value on 12/31 2014.
Notes:
1. Made portfolio withdrawals of ~2.0% (Taxable account distributions and some cash) to supplement pension.
2. IRA distributions were re-invested but I still was just about even on that "bucket".
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01-01-2016, 07:16 AM
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#595
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 9,072
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Down around 1.5 % which is horrible considering my conservative AA. But within my equities I had a little too much in oil stocks. Oh well...…
__________________
Retired 3/31/2007@52
Investing style: Full time wuss.
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01-01-2016, 07:23 AM
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#596
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
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Best as I can tell across all investment accounts....
drum roll, please....
Up 0.04% -- in other words, I basically tucked my entire portfolio under a pillow in 2015. Though in reality, it was probably a rebalancing near the lows for the year that got me into the black. A whole lot of nothing going on! Do I win the "closest to flatlining" award? 
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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01-01-2016, 07:34 AM
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#597
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2013
Location: Texas
Posts: 10,932
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01-01-2016, 07:34 AM
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#598
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Recycles dryer sheets
Join Date: Feb 2015
Posts: 178
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6.35% overall not including contributions. Canadian ETF XIC down 11% but I was saved by having 2/3 of my equity holdings outside of Canada. My international ETF XEF did pretty well up 13.5% and the drop of CDN dollar pushed US holding VTI up just based on currency exchange. Also got lucky with timing of dumping emerging markets (DEM and VWO) in late 2014 as they had a horrible 2015 with DEM down 26%.
2015 was the lowest stress, least active involvement, lowest number of transactions, lowest cost year in my investing life as we are down to 4 holdings.
Overall net worth was up 16.9% beating last years gain of 16.8%
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01-01-2016, 07:36 AM
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#599
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
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Quote:
Originally Posted by FI by 2024
Up 3.9% with no idea whether I am calculating that correctly. Considering how many of you are reporting losses I'm guessing I did it wrong.
What I did was I took the difference between last year's Dec 31st numbers and this year's numbers, subtracted my contributions, then divided the result by last year's total. Is that the right way?
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Not the exact way to calculate XIRR since it doesn't fully account for the performance of the funds added during the year for a portion of the year, but probably close, especially if the overall balance is a lot higher than your 2015 contributions.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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01-01-2016, 07:53 AM
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#600
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Gone but not forgotten
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 11,447
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Up .05% .At least it was not in the negative .
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