Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 10-22-2016, 07:38 AM   #621
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2005
Posts: 10,252
Quote:
Originally Posted by dvalley View Post
I'm just a lowly boglehead so given that S&P500 is up +4.76% YTD, how are you guys beating it by a landslide with your 7-12% ytd returns?
I don't think folks have 7% to 12% returns anymore a few weeks later. Here are the current YTD returns of some roughly 60/40 portfolios reported by morningstar.com:



Key:
VSMGX Vanguard LifeStrategy Moderate Growth
VTWNX Vanguard Target Retirement 2020 (it is 57/43)
VBIAX Vanguard Balanced Index (has no foreign nor international stocks)
DGSIX DFA Global Allocation I 60/40
VWENX Vanguard Wellington (it is 65/35)
VTTVX Vanguard Target Retirement 2025 (it is 66/34)

Also note that the 12-month (1-year) returns reported a few weeks ago in post #607 were from a low-water mark because of the large drop in 2015 in late August and September. And as of today, 12-month returns cannot be the same as YTD returns.

OTOH, the Vanguard S&P500 index fund is up 6.57% YTD, so perhaps you are not making the same calculations. For instance, I'll guess that the 4.76% number you posted does not include reinvested dividends. But other respondents to this thread may have other ideas about how to calculate what "YTD investment performance" means.

Apples. Oranges.
LOL! is offline   Reply With Quote
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!

Old 10-22-2016, 01:42 PM   #622
Thinks s/he gets paid by the post
 
Join Date: Dec 2014
Location: St. Charles
Posts: 2,960
YTD 8.86% total increase in asset value. This includes 10% cash at next to nothing, and withdrawals for the year. Investment portfolio is up 10.6%.

We had a larger exposure to stocks, earlier in the year, before rolling out of the 401k and re-balancing closer to 60/30/10
__________________
If your not living on the edge, you're taking up too much space.
Never slow down, never grow old!
CardsFan is offline   Reply With Quote
Old 10-22-2016, 02:07 PM   #623
Thinks s/he gets paid by the post
 
Join Date: Dec 2009
Location: Alberta/Ontario/ Arizona
Posts: 3,393
YTD return about 14.7%. About 3% represented by dividends. Quite pleased. 100%. Canadian equities.
Danmar is offline   Reply With Quote
Old 10-22-2016, 04:04 PM   #624
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 30,008
6.6% YTD for me. Not complaining, particularly as I am at 51% stock, 4% bond, and 45% low-yield cash and I-bonds.

International equities, some material and technology stocks have been working well for me.
__________________
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
NW-Bound is online now   Reply With Quote
Old 10-22-2016, 11:44 PM   #625
Thinks s/he gets paid by the post
 
Join Date: Jul 2013
Posts: 1,009
Quote:
Originally Posted by LOL! View Post
OTOH, the Vanguard S&P500 index fund is up 6.57% YTD, so perhaps you are not making the same calculations. For instance, I'll guess that the 4.76% number you posted does not include reinvested dividends. But other respondents to this thread may have other ideas about how to calculate what "YTD investment performance" means.
Good points, btw I just googled the s&p numbers and found the 4.76% here (top right of the graph) S&P 500 Index - CNNMoney.com so probably doesn't include divs.
dvalley is offline   Reply With Quote
Old 10-23-2016, 03:15 AM   #626
Recycles dryer sheets
 
Join Date: Oct 2012
Location: Houston
Posts: 68
So far this has been a better year for me - last year, while everyone was in the positive, I lost 3.68%. This year, I have had a better year - 14.89% ( to date)





My portfolio is 66% fix income and 34% percent stocks. I have got out of all mutual funds for the last 8 months.(too risky) Individual stocks have done better for me the last 10 months (a dozen or more stocks) Due to this strange market, I have everything on a very short leash.
Loving Life is offline   Reply With Quote
Old 10-23-2016, 05:27 AM   #627
Thinks s/he gets paid by the post
dixonge's Avatar
 
Join Date: Mar 2008
Location: On the road
Posts: 1,405
Schwab is reporting my 80/20 as 4.58% for the year (unrealized gains). Seems to match what I'm reading from others here.
dixonge is offline   Reply With Quote
Old 10-23-2016, 09:46 AM   #628
Thinks s/he gets paid by the post
 
Join Date: Jul 2013
Posts: 1,009
Here's what Personal Capital is reporting as of this morning:

You Index™
297-DAY (YTD)
6.79%
--vs--
S&P 500
2,141.16
297-DAY
4.76%

I also just started using openfolio.com which is a pretty neat tool as I'm finding out. Here's what its reporting for me:

My portfolio
6.67%
--vs--
S&P 500
6.57%

My portfolio is 90/10 (if I consider 10% REIT as stocks, otherwise 80/20).
dvalley is offline   Reply With Quote
Old 10-23-2016, 07:36 PM   #629
Dryer sheet wannabe
 
Join Date: May 2015
Posts: 20
Quote:
Originally Posted by dvalley View Post
I'm just a lowly boglehead so given that S&P500 is up +4.76% YTD, how are you guys beating it by a landslide with your 7-12% ytd returns?
I just have it spread across numerous TSP funds including large cap, small cap, international, a 2040 target fund, a 2050 target fund, and a very small portion in a bond fund.
behindthedimes is offline   Reply With Quote
Old 10-25-2016, 07:24 AM   #630
Thinks s/he gets paid by the post
 
Join Date: Aug 2005
Location: Crownsville
Posts: 2,778
Despite the recent market turmoil, my rate of return is around 6.8% so far this year. Rise in net worth is around 7.7%. It would be more, but I paid down a bit extra on the mortgage. If I hadn't done that, it would be around 8.5%.
Andre1969 is offline   Reply With Quote
Old 10-25-2016, 09:26 AM   #631
Thinks s/he gets paid by the post
 
Join Date: Aug 2013
Location: North
Posts: 2,949
Quote:
Originally Posted by robnplunder View Post
Good job! My market timing (short term trade) has returned "only" 10% YTD, still outperforming the market.

My total return YTD is 9.02% thanks to FNMIX (17.25%) & my short term trades. A simple majority of my funds have outperformed the S&P 500, too.
Doing better than I. My short term trades netted a bit, only beating the .INX by about 1% as of today.
__________________
AA (Stock/Bond/Cash ): 97.5/0/2.5% MIX (Small/Mid/Large): 25/25/50% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): ~50% of Assets

FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
kgtest is offline   Reply With Quote
Old 10-25-2016, 10:58 AM   #632
Full time employment: Posting here.
RetiredGypsy's Avatar
 
Join Date: Mar 2008
Posts: 979
A simple calculation of what I've gained gives me 7.5%. This is including what I've purchased in stocks throughout the YTD into the initial sum. If I were to do it more piecemeal I'd get something more accurate, probably higher. Since 7.5% is at least 5% higher than I'm getting from my CDs, I'm happy enough to leave it as a rough estimate.
__________________
I'm free and I like it!
RetiredGypsy is offline   Reply With Quote
Old 10-25-2016, 12:38 PM   #633
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Brat's Avatar
 
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 6,942
Data source: Morningstar

Most of our $ is in Wellesley Income, up 7.7% ytd. Interestingly Wellington is up about 7.04% with the inverse allocation of stocks/bonds.
__________________
Duck bjorn.
Brat is offline   Reply With Quote
Old 10-25-2016, 12:43 PM   #634
Thinks s/he gets paid by the post
 
Join Date: Jul 2013
Posts: 1,009
Really liking OpenFolio for reporting and comparisons, here's my portfolio:

YTD: 6.5%
The 'since purchase' data isn't correct, they probably don't know my historical cost-basis data.

BTW, feel free if anyone has any recommendations for changing things in my portfolio (AA 80/20 to 90/10, time horizon approx 9yrs to FI at age 50 but negotiable). I only add new $ to the S&P index and the three admiral shares (VIMAX, VTSAX, VTIAX) in my brokerage.

dvalley is offline   Reply With Quote
Old 10-25-2016, 02:16 PM   #635
Full time employment: Posting here.
hesperus's Avatar
 
Join Date: Aug 2013
Location: san juan mountains, co
Posts: 750
YTD up 9.18% and that is with cash holdings at about 10% of total portfolio.

Much of this is undoubtedly based on the fact that I hold about 22% of my total portfolio in oil/MLP's. This has bumped up the total return considerably.
hesperus is offline   Reply With Quote
Old 10-27-2016, 07:52 AM   #636
Thinks s/he gets paid by the post
 
Join Date: May 2014
Location: Utrecht
Posts: 2,650
So .. you like oil?
Totoro is offline   Reply With Quote
Old 10-31-2016, 07:36 PM   #637
Recycles dryer sheets
 
Join Date: Feb 2014
Location: Medford
Posts: 76
7.51% YTD
32% equities
7% fixed income
1% cash
60% alternative (hedged futures funds, REITs)
SDHiker is offline   Reply With Quote
Old 10-31-2016, 07:44 PM   #638
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 30,144
6.63% ytd
60/34/6 aa
__________________
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
pb4uski is offline   Reply With Quote
Old 10-31-2016, 10:02 PM   #639
Thinks s/he gets paid by the post
robnplunder's Avatar
 
Join Date: Nov 2013
Location: Bay Area
Posts: 2,726
Up 8.2%. FNMIX still tops the list with 16% gain followed by my short-term trades at 12%. A simple majority of my mutual funds are outperforming the market. Two more months left until the end of 2016. I will be happy if I can finish the year with 8% return.
__________________
I did it .... my way.
robnplunder is online now   Reply With Quote
Old 11-01-2016, 06:35 AM   #640
Recycles dryer sheets
 
Join Date: Jan 2013
Posts: 119
6.7% on a 60% Equities / 40% Cash and Fixed Income split. Only about 15% non-US equities
marinauser is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
My 2016 Work Performance Goal: Retire in June 38Chevy454 Life after FIRE 30 05-05-2016 04:02 PM
2015 YTD investment performance thread robnplunder FIRE and Money 689 01-21-2016 07:28 AM
YTD Performance Poll 4merKPer FIRE and Money 98 08-09-2011 11:09 AM
YTD 2006 investment Sam FIRE and Money 84 12-04-2006 01:39 PM

» Quick Links

 
All times are GMT -6. The time now is 12:51 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.