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Old 12-31-2016, 07:05 AM   #761
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+10.16% for 2016
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Old 12-31-2016, 07:10 AM   #762
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Looks like the retirement fund gained 7.83% for 2016. 53% equity exposure.

I'm pretty pleased. My balanced fund benchmarks did better, but they have higher stock allocations and are more concentrated in large cap value, with little foreign exposure. Really, they aren't valuable as benchmarks anymore.

I had lower equity exposure than VTWNX listed above and beat it handily. I have a pretty healthy small cap exposure which most balanced funds lack.
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Old 12-31-2016, 07:30 AM   #763
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+11.7% for 70/20/10
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Old 12-31-2016, 08:32 AM   #764
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This year our total return was negative mostly due to a large drop in 2 major pharmaceutical companies we hold (like Gilead went down over 28%, started the year at $100.3, ended at $71.61). Yet in previous 5 years this stock was main source of high return. I hope the next year it may stabilize.
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Old 12-31-2016, 08:50 AM   #765
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Our return for 2016: 7.5% return on 40% stocks/37% bonds/23% cash.
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Old 12-31-2016, 09:00 AM   #766
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Final tally +8.47% on what is nominally a 50/45/5 AA but currently 51/38/12. Looks like January will be rebalancing time.
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Old 12-31-2016, 09:45 AM   #767
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+10.80%. 68-28-4.
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Old 12-31-2016, 09:55 AM   #768
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9.44% with 41% Stocks, 44% Bonds, 15% Cash.
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Old 12-31-2016, 09:59 AM   #769
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+5.6% ytd
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Old 12-31-2016, 10:11 AM   #770
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Return YTD ~ 12.3%
Asset allocation = 75% equities / 25% fixed assets

In distribution phase after early retirement in 2015, no income from job, pension, rental or social security at this point)

YTD return calculation is from the Four Pillars of Investing and is same as Investment Return Calculator: Measure your Portfolio's Performance. Includes entire portfolio (investments, bonds, cash holdings) and adjusts for inflow/outgo.

Energy and small cap value were biggest winners. Bond holding and International Mutual Funds were at the other end.

It's been a good year for investments, Happy New Year to all.
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Old 12-31-2016, 10:24 AM   #771
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8.2% Started the year at 50/40/7/3. With the 7 being RE funds. Ended at 57/30/7/6 cash increased due to tax loss harvesting from bond funds.
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Old 12-31-2016, 11:52 AM   #772
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6.8%, all-in, average balance spend adjusted. Replaced estimated annual spend with real annual spend, which I undershot, so took me down a couple of tenths from my earlier reporting.

I lightened-up US large equities, so can't report as large of a gain as some of you here. But I'm ok with getting in the ballpark of some of those morningstar examples. And it actually goes up to 7.4% if I include the honkin' big IRS check I'll be getting.
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Old 12-31-2016, 11:55 AM   #773
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+8.88% XIRR on an 80/20 portfolio. International was a drag again this year. Slightly better than my benchmark fund, which is +8.33% (VASGX). I have a higher tilt towards international, plus small caps and REITs.

I'm happy with the return in isolation, but underwhelmed when comparing with more US centric portfolios.

Edit to add: tracking against VASGX and taking into account cashflows, VASGX returned +8.52%.
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Old 12-31-2016, 12:03 PM   #774
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Not too bad w/ 4.5% return on a very conservative allocation.
The pillow money was great since the dollar was up ~ 20% against the Mexican peso. My mother got a nice raise from this
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Old 12-31-2016, 12:14 PM   #775
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I didn't fair well compared to most here but just did mine for the year.

+4.2% on a 67/15/18 portfolio. The 18% is in CD's stair stepped and not making a lot. My WR was .5% for 2016 and I see this increasing for 2017. I'm happy and my hope is to at least have a 1.5% return on my investments each year. That will be just above my spending expenses. Anything over that I will be very happy.
My plan is to not have to sell investments till I have too with RMD.
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Old 12-31-2016, 12:31 PM   #776
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Made 7.3% this year with 30% bonds, 20% foreign stocks, 43% us stocks, 7% REITs.

Happy that the foreign stocks didn't wipe-out all my gains, like they did last year.
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Old 12-31-2016, 12:35 PM   #777
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I use FMIJX for most of my international. It was up 10% this year. Seems to be one of the better large cap int funds. In prior years I went with Oakmark Int and had such poor performance I had to dump them.
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Old 12-31-2016, 12:38 PM   #778
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8.4% for the year on a 55/45 Equity/Fixed Income allocation.
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Old 12-31-2016, 12:44 PM   #779
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I don't know if I can completely trust the reporting from Fidelity but according to them we averaged 14.6% across the variety of accounts we have with them. The allocation is 91% stock / 1% bonds / 8% cash.

Every stock/ETF, except one (BRK_B) pays a dividend.


on edit: I see Fidelity is only reporting through the end of November. I guess it will be a few days into 2017 before the true 2016 total is available. The allocation will change a bit too. I think we ended up with closer to 10% cash. I will report back when updated information is available.
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Old 12-31-2016, 12:46 PM   #780
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2016: 9.84% 72/13/5 I'm definitely happy with the return as I withdraw 6% early this year during a downturn to put a down payment on a house. One of those things where you know you just lost money and your home isnt part of your investment yet hard to ignore the house went up 11% since purchase in February so still good use of the money overall.
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