Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 12-11-2016, 09:03 PM   #721
Recycles dryer sheets
 
Join Date: Aug 2016
Location: Cottage Grove
Posts: 212
+14.92% after Friday. I buy and sell huge chunks of company stock on a cyclical basis. This may be changing soon as I try to FIRE. Or not.
Johanson 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 12-12-2016, 11:11 AM   #722
Moderator
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 8,549
Quote:
Originally Posted by LOL! View Post
Re: Personal Capital: One does not have to give it any passwords or account credentials for your other accounts. One can manually enter any investments that you have. If you have something that is not publicly traded then you can manually put in a proxy (a ticker symbol) of something like it. You will have to change your number of shares manually.

I do not know if one can enter transactions manually, but I do know that it will tell you your asset allocation and expense ratio from the manually entered items.
Thanks for correcting me. I have a bad memory. I went over to the site a while back (http://www.early-retirement.org/foru...ml#post1667407) and discovered that you don't need to give-up credentials, and you can key-in whatever you want. Must be getting PC confused with another site.
sengsational is offline   Reply With Quote
Old 12-12-2016, 05:37 PM   #723
Dryer sheet aficionado
tennisplyr's Avatar
 
Join Date: Aug 2016
Posts: 29
I'm up about 8.5% with a 50/50 AA
__________________
Your thoughts become your life.
tennisplyr is offline   Reply With Quote
Old 12-29-2016, 09:48 AM   #724
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
Ok, so its a slow day and I'm jumping the gun a tad since I was updating some investment stuff anyway as part of my rebalancing... but based on yesterday's closing values (assuming no change from there) my portfolio will have earned a 8.83% return for 2016.

Better than my conservative retirement planning assumption of 6.2%. I'm guessing that it will be within the range of similar 60/35/5 portfolios that are my benchmarks.
__________________
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 12-29-2016, 10:38 AM   #725
Recycles dryer sheets
 
Join Date: Feb 2011
Location: Arlington Heights
Posts: 240
Slow day here too. My calculations show me at 7.3% for the year so far. I am around 50 stocks/40% bonds/7% alternatives & 3% cash.

One of the benchmarks I look at is the average of Wellesley and Wellington. I realize this comes somewhere close to 50% stocks and 50% bonds. As of yesterday my calculations show this to be 9.5%. I think it may be time to just take a significant portion of my portfolio and put in these 2 funds!

Bob
SoReady is offline   Reply With Quote
Old 12-29-2016, 11:12 AM   #726
Thinks s/he gets paid by the post
 
Join Date: Feb 2007
Posts: 2,342
Quote:
Originally Posted by SoReady View Post
Slow day here too. My calculations show me at 7.3% for the year so far. I am around 50 stocks/40% bonds/7% alternatives & 3% cash.

One of the benchmarks I look at is the average of Wellesley and Wellington. I realize this comes somewhere close to 50% stocks and 50% bonds. As of yesterday my calculations show this to be 9.5%. I think it may be time to just take a significant portion of my portfolio and put in these 2 funds!

Bob
Quicken says 8.73%. My portfolio's AA has drifted to 53/47 from a nominal 50/50 - a ways to the rebalance point since I use a 10% rebalance band.

On Wellesley / Wellington Those 2 account for about 40% of liquid NW and I determined long ago that I would have been better off to invest everything in them and call it a day. But the "don't put all of tour eggs in one basket" admonition always stopped me.

In W/W case the one basket would be that they are both actively managed by the same firm with the attendant possible "group think" and that they select a fairly small subset of available investments (large cap dividend paying stocks and corporate bonds). These have worked beautifully in the past who knows going forward..
ejman is offline   Reply With Quote
Old 12-29-2016, 11:12 AM   #727
Thinks s/he gets paid by the post
Spanky's Avatar
 
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,407
Our return is about 8.37% - 50.35% equity, the rest in fixed income and cash.
__________________
May we live in peace and harmony and be free from all human sufferings.
Spanky is offline   Reply With Quote
Old 12-29-2016, 11:33 AM   #728
Moderator
braumeister's Avatar
 
Join Date: Feb 2010
Location: Flyover country
Posts: 19,240
8.3% on 50/45/5.
braumeister is offline   Reply With Quote
Old 12-29-2016, 11:36 AM   #729
Thinks s/he gets paid by the post
 
Join Date: Jul 2013
Posts: 1,009
Personal Capital shows 'Your Index' as 10.03% YTD. I just converted a bunch of my old 401Ks to Stable Value funds, making up about 60% of my portfolio. I'll be moving/consolidating them all into a Vanguard rollover IRA in the coming days and then DCAing it all back into a US equity index fund, probably VTSAX since I won't need this money for probably 25-30 years.
dvalley is offline   Reply With Quote
Old 12-29-2016, 11:55 AM   #730
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 pb4uski View Post
[…]
Better than my conservative retirement planning assumption of 6.2%. I'm guessing that it will be within the range of similar 60/35/5 portfolios that are my benchmarks.
In 2016 as of yesterday, my 60/40 benchmarks performances have a spread of over 4% with lowest performer at about 6.8% and highest at about 11.2%. That is quite a big spread to me. The reasons are that

1. Foreign equities (except for some emerging markets) have not done as well as US equities,

2. US value equities have done well, particular small caps,

3. There is quite a variation in the performance of bond funds. VBLTX (long-term) is up 5.7% and VBTLX (total) is up 2.2%.

So if one's personal portfolio is tilted away from foreign and towards US small-caps plus used longer duration bonds, then that was magic this year. OTOH, having the best performing foreign (emerging markets) was very helpful. Market timing could add another 2%.
LOL! is offline   Reply With Quote
Old 12-29-2016, 12:16 PM   #731
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
I have a fair amount in international equities (21% of total) and all my bonds are short (2-4 years) so I'm a bit surprised that I did so well.

US equities were the star of the year (13.5%), with emerging market and high-yield bonds having a good year too (9.8% and 9.6%, respectively). International equities and bonds lagged (4.7%-5.9% range) as did Inv Grade US bonds (3.1%).
__________________
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 12-29-2016, 05:56 PM   #732
Recycles dryer sheets
Happyras's Avatar
 
Join Date: Jun 2015
Location: Redmond
Posts: 490
Quote:
Originally Posted by SoReady View Post
Slow day here too. My calculations show me at 7.3% for the year so far. I am around 50 stocks/40% bonds/7% alternatives & 3% cash.

One of the benchmarks I look at is the average of Wellesley and Wellington. I realize this comes somewhere close to 50% stocks and 50% bonds. As of yesterday my calculations show this to be 9.5%. I think it may be time to just take a significant portion of my portfolio and put in these 2 funds!

Bob
I am still holding to these two funds, with current 76% allocated in these two funds, our entire YTD gain with distributions is 9.41% at today's close. I questioned the heavy weighting earlier last quarter and moved to diversify a little more on the recommendation of VG and others, with more foreign and small/mid cap/and LC growth exposure. No regrets, I still think our allocation at 59/39/1/1 is a proper balance. We have about 21% foreign/79% US in the stock side.
Happyras is offline   Reply With Quote
Old 12-30-2016, 07:04 AM   #733
Full time employment: Posting here.
atmsmshr's Avatar
 
Join Date: Mar 2016
Location: An island off the coast of Florida. (Ok - if you really need to know it's Vero Beach)
Posts: 627
11.57% for the year combined 401k and pension fund. Still in the accumulation phase (Hopefully, only for the next 3 years!)

4% a year for the DB pension in basic credits (hard to beat for a relatively risk free return in an overfunded pension plan).

14.6% for the 401k. My mid year was about the same due to the run up in Utilities for which I have a large percentage allocation. The second half of the year was sustained due to a good run up in S&P 500 and midcaps. This makes up for a wimpy year in 2015 for equities.

These do not factor in my contribution or company matching contributions.

For the 401K we had a small 4% stake in internationals. Now that the Schiller PE is 27, just reallocated the S&P 500 fund to have 10% in internationals and 20% in US Value stocks. Also gave midcaps a bump and put 4% in a REIT.

Happy New Year,

atom
atmsmshr is offline   Reply With Quote
Old 12-30-2016, 10:09 AM   #734
Full time employment: Posting here.
 
Join Date: Jan 2015
Posts: 585
Looks like an even 8% after rebalancing earlier this month. Starting auto monthly withdrawals this year so time to figure out the XIRR function I guess.
__________________
Wisdom starts with wonder
KCGeezer is offline   Reply With Quote
Old 12-30-2016, 10:18 AM   #735
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
I use XIRR... but I also use a simpler calculation that mirrors the moneychimp calculation that has been very close to XIRR over the course of the year (generally within 5 bps).

=AVERAGE(RATE(1,withdrawals,-starting balance,ending balance,1),RATE(1,withdrawals,-starting balance,ending balance,0))

Withdrawals are a negative number. What the formula is doing is calculating rates assuming withdrawals are at the beginning of the year or at the then of the year and averaging the two.
__________________
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 12-30-2016, 11:44 AM   #736
Recycles dryer sheets
 
Join Date: Apr 2014
Posts: 156
12.1% for the year here. Would have been 10.5% without my megacorp ESPP which is up over 27% this year. Portfolio has crept up to about 83/17 from the 80/20 I have been using, so might need to shuffle a bit.

Pretty dang pleased!
ChicagoGal is offline   Reply With Quote
Old 12-30-2016, 12:44 PM   #737
Recycles dryer sheets
 
Join Date: Oct 2016
Posts: 236
Net worth (excluding house and such) is up 24.56% since December 31st 2015. That's distorted since I'm still in the accumulation phase and got some stock options too.

I was almost 100% in stocks for the first 11 months.

Not sure what the percentage change is in my main taxable account as I added and removed money multiple times throughout the year but I do have 4 accounts that I haven't touched this year and this is how they grew - dividends reinvested.

Old IRA up 28.85%
Roth up 27.1%
gf's IRA up 22.11%
gf's Taxable up 12.06%

All 4 accounts were 100% stocks until the last month.

The changes since October 31st have been:

Old IRA up 11.34%
Roth up 9.14%
gf's IRA up 8.19%
gf's taxable up 7.11%
NameRedacted is offline   Reply With Quote
Old 12-30-2016, 03:09 PM   #738
Moderator
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 8,549
The market is closed for the year now, tomorrow being a Saturday. Still some time to spend, though, for those of us that calculate an "all-in" total. Actually, my calculations include a level, estimated spend, so I'll replace that with the "real" spend total.
sengsational is offline   Reply With Quote
Old 12-30-2016, 03:13 PM   #739
Moderator
braumeister's Avatar
 
Join Date: Feb 2010
Location: Flyover country
Posts: 19,240
Quote:
Originally Posted by sengsational View Post
Still some time to spend, though.
BONUS TIME!
We're getting a leap second added tonight so we can spend even more.
braumeister is offline   Reply With Quote
Old 12-30-2016, 03:16 PM   #740
Administrator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Chicagoland again!
Posts: 35,273
Quote:
Originally Posted by braumeister View Post
BONUS TIME!
We're getting a leap second added tonight so we can spend even more.
Woo Hoo! Don't spend it all at once ..
MichaelB 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 12:25 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.