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Old 12-30-2016, 03:18 PM   #741
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BONUS TIME!

We're getting a leap second added tonight so we can spend even more.

Darn. This is going to throw off my spending per second calculation that I do every year.
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Old 12-30-2016, 03:26 PM   #742
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About 10%, after adjusting for withdrawals. Not too bad considering 10% is sitting in cash earning an average of 1%.
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Old 12-30-2016, 03:45 PM   #743
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80% SCHA (ETF based on Dow Small-Cap Total stock market index) - up 16.17%
20% SCHZ (ETF based on Bloomberg Barclays U.S. Aggregate Bond Index) - down 3.58%

Schwab says unrealized portfolio gain is 11.03%
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Old 12-30-2016, 03:49 PM   #744
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Haven't posted in this thread for a few months, but November and December were quite good for the portfolio - investment portfolio gained 13.4% (using BogleheadsReturns.xls). A pleasant change from 2015's losses.

Now if only I'd stayed within budget, went a few thousand over on travel.

Happy New Year, and here's to next year being kind to everyone's portfolios!
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Old 12-30-2016, 04:03 PM   #745
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I haven't calculated the rest of our portfolio yet but I put $5 in Game of Thrones slot machine in New Orleans and won $14. So I am up 180% YTD
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Old 12-30-2016, 04:14 PM   #746
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Quicken says 7.74% on a 60/40 AA. Not as good as some here... better than others. I'm ok with it. It might be ***slightly*** less since the last trading day of the year isn't reflected... and it was a slightly down day.
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Old 12-30-2016, 05:48 PM   #747
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In the Barnfellow household we are up 15.9% for the year on all investments (market growth and dividends paid).

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Old 12-30-2016, 07:30 PM   #748
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So, all the numbers are in.

My return for 2016 is ... drum roll please... 8.9%.

At 59% stock, 36% cash, and a bitty bit of bond, I trailed Wellington which is at 11.2%.

If I held 60% of VTI (total stock) which returns 11.6% and 40% of BND (total bond) at 2.5% and never rebalanced during the year, I would have 8%. So, I am not doing too badly.

PS. Note how Wellington, even though it is only 60% in stock, matches the total stock index. Good stock picking or luck? It is the perennial question.
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Old 12-30-2016, 07:38 PM   #749
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Just crunched the numbers. 8.59% on a 52/18/30 AA. Takes account of WR of 1.95%


My conservative baseline return rate is 6%, but this assumes a 60/30/10 AA. Hope to put more money to work soon, but not at these levels...
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Old 12-30-2016, 07:45 PM   #750
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Mine ended up at 14.5% for the year with 99% of it in stocks for the year (I temporarily moved money in and out of my company stock fund into cash and the 2025 retirement date fund). I beat the S&P 500 by 2%. Besides company stock, my next largest holding was the S&P's 500 fund in my 401K. The above is only for my 401K. I lost a few hundred bucks in my Roth IRA due to investing in penny stocks. I learned my lesson there!
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Old 12-30-2016, 07:51 PM   #751
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Quicken says 8.71% here. Amazing how many of the posters at this forum cluster so closely. The Early Retirement.org portfolio at work!
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Old 12-30-2016, 07:55 PM   #752
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Yet, I bet my portfolio does not look anything like yours. I am no indexer, and have loads of EM, biotechs, mining, energy, utilities, etc..., but no financials, and not much high tech.
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Old 12-30-2016, 08:07 PM   #753
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Yet, I bet my portfolio does not look anything like yours. I am no indexer, and have loads of EM, biotechs, mining, energy, utilities, etc..., but no financials, and not much high tech.
Interesting in mine, very little biotechs, mining, energy, more in financial. I guess all roads lead to Rome...
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Old 12-30-2016, 08:48 PM   #754
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Up 10.5%.

All of us are winners in 2016, bad January and all. I managed to "save" one year worth of retirement budget in the process. Not bad for the 1st year of retirement. I've budgeted to spend 5%, and gain 6% from investment. I ended up spending less than 4% vs 10.5% investment return.
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Old 12-30-2016, 09:28 PM   #755
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8.25% XIRR

Cashed out a chunk in readiness for house closing in January (hopefully). AA now at 56% equities.
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Old 12-30-2016, 09:33 PM   #756
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All investable asset - 8.15%. Canadian stocks were the winner (several banks, telecom and energy) - at 19.83%, but which is only about 9.25% of my investable asset...


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Old 12-31-2016, 04:07 AM   #757
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Here are the 2016 returns of some roughly 60/40 portfolios reported by morningstar.com:



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

Portfolios tilted to small-caps and/or value equities and away from foreign equities have done quite well this year.
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Old 12-31-2016, 05:30 AM   #758
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Originally Posted by LOL! View Post
Here are the 2016 returns of some roughly 60/40 portfolios reported by morningstar.com:



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

Portfolios tilted to small-caps and/or value equities and away from foreign equities have done quite well this year.
A couple more balanced funds worth mentioning. These both have a large value tilt:
DODBX - 16.56% YTD, around 68/32
OAKBX - 10.97% YTD, around 63/37
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Old 12-31-2016, 07:47 AM   #759
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55%/42.5%/2.5% Stk/Bnd/Csh

7.0% - Overall Performance.
11.2% - Increased Value of all accounts (counting contributions)

Some of the sub-accounts
--------------------------

10.6% - 401k: Short term, Small/Mid, Developed Int'l, Emerging Mkts

4.9% - 401k: AF New World R4 RNWEX

7.3% - 403b: Guaranteed Int, S&P500

7.8% - SEP-IRA: Total Int'l, Total BND, Total US Index, Hi-Yield, VGENX
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Old 12-31-2016, 08:05 AM   #760
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Final results for my 100% Canadian equity portfolio.
IRR.
1 yr 26.7%.
3yr 13.1%.
5 yr. 15.5%.
10 yr 10.2%.

These results are quite a bit better than the TSX benchmark which had a 5 yr total annual return of only about 5%. Couldn't find the TSX 10 year return. My best year since 2009.

Also actually underspent the 2016 budget. First time I think.
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