jkern
Full time employment: Posting here.
Up 2.38% as of 12/30/15 on a 40/40/20 AA.
2015 YTD investment performance thread
- Thread starter robnplunder
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robnplunder
Thinks s/he gets paid by the post
I am going to end the year with about 2% up on my investments, a big thanks to my 2 short term trade accounts. They returned 17% and 19%, respectively. The rest didn't fare so much. Chemical, International funds did worse. Technology fund did well. The rests broke just about even.
Hermit
Thinks s/he gets paid by the post
Quicken says I'm up a whopping 0.24% on investments.
Net worth down 3% due to construction costs and DS education costs. I will have a bump in NW when the new house is completed and goes on the tax roles. It will look good, but I'm not sure I will like paying the taxes.
Net worth down 3% due to construction costs and DS education costs. I will have a bump in NW when the new house is completed and goes on the tax roles. It will look good, but I'm not sure I will like paying the taxes.
We'll end the year with portfolio return down around -1.9%. Main drag is impact of low oil prices on energy stocks / funds which make up ~ 30% of our equities. Asset allocation currently 88% equity / 12% bonds and cash.
IRR of 1.1%
Total Savings down 2%
Total Savings down 2%
OrcasIslandBound
Recycles dryer sheets
We're at -.52 % overall for the year.
aaronc879
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Would I be correct in assuming your CDs are 10 year CDs and nearly ending?
They are 5-10 year CDs maturing between 2017 and 2021.
aaronc879
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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.
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%.
FI by 2024
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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
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
Hermit
Thinks s/he gets paid by the post
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.
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.
Annualizing it over a number of years though, we're doing fine.
DrRoy
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
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.
prototype
Recycles dryer sheets
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".
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".
Dawg52
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
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...…
ziggy29
Moderator Emeritus
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?
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?
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Car-Guy
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Even the richest guy in China had a rough year. (pub Aug 2015)
Asia's richest man lost $13 billion in China crash - Aug. 25, 2015
Asia's richest man lost $13 billion in China crash - Aug. 25, 2015
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Sittinginthesun
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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%
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%
ziggy29
Moderator Emeritus
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.
Moemg
Gone but not forgotten
Up .05% .At least it was not in the negative .
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