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Old 12-20-2017, 06:01 AM   #621
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Quote:
Originally Posted by cbo111 View Post
I always question folks reporting 20% gains. Its certainly possible, but doubtful in reality.
I'm up over 20% and I'm certainly no investing genius. My stocks:

AAPL 50.2 I also have these Fid Select funds:
FB 53.1 transport 21.5
MA 43.9 Biotech 24.8
TXN 41.4 Defense 33.7
V 41.4 Semicond 37.4
HD 38.4 Technology 52.0
CTAS 36.8 Medicine 28.4
GOOG 33.6
INTC 28.5
NKE 23.5 The rest is in various index funds
JNJ 22.3
CNI 20.7
COST 18.0
CISC 17.8
HAS 14.9
NRZ 13.9 + 11% DIV
DIS 5.4
GILD 0.26

So 20% in this market is not that hard at all.




edit to add: it looked all nice and pretty before I posted but jammed the funds column into the stocks after posting/ Anyway you can figure it out.
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Old 12-22-2017, 08:05 AM   #622
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Don't do this at home

56 and still accumulating. 75/25 (with cash balance pension acting as bond fund)

Weighted average of total increase is 23.5% for 401k and pension combined. This will likely be the last year of high gains with the portfolio pedal to the metal.

FIDO indicates 401k returns up 24.5% YTD. With contributions go up to 28.5% total.

Pension flat rate is +4% p.a. With contributions up 7.4% total YTD.

Reached FI this year, but sticking around to run up the score for TMY.

I am doing everything wrong according to the pundits, but my quarterly statement says I am a lucky, lucky dog.

Diversified to International last December.

401K > 95% stocks for 31 years. (Less than 100% mostly because of some loans)

Sold MegaCorp stock holdings in 1999 before the crash but wish I had hung onto it all because now I now what NUA is all about. (Risky, but 14% annual returns for a solid utility)

Contemplating going conservative just prior to retirement to minimize SORR downside, but the upside of SORR is pretty sweet now!
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Old 12-29-2017, 08:53 PM   #623
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After the last trading day of 2017....

14.8% for 2017. "Bonds" and cash are about 30% of my AA. That's my usual "all-in, spend adjusted" amount. We've been calling "money chimp style": (YE2017Bal+2017Spend/2) / (YE2016Bal-2017Spend/2) - 1. No money added externally from a paycheck or anything, so that's a pretty easy and reasonably accurate method.
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Old 12-29-2017, 08:58 PM   #624
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18.01% for 2017. Much better than I expected when 2017 started. Investments are about 85% equity, 15% bonds.
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Old 12-29-2017, 10:02 PM   #625
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+27.2% @ 99% US Equities. Mostly low cost VG ETFs.

Beat my past four year avg, barely by 1/2% but I beat it. I remember a lot of folks predicting slower markets this year due to elections etc, but that didn't seem to be the case. Cheers to a repeat in 2018 let's put the S&P500 over 3450! Even if we hit 3333 I would be happy! Interest rates are set to rise, unemployment will be at historical lows, and it will be interesting to see what happens in the EM sector, especially China, and Foreign Policy.
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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.
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Old 12-29-2017, 11:14 PM   #626
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+13.55% @ 50% US Stock (7% REIT), 20% Foreign Stock, 30% Bonds.
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Old 12-30-2017, 12:32 AM   #627
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Quote:
Originally Posted by robnplunder View Post
Only up half a point from October and finishing November YTD with 12.65% on the upside.
Up nearly another point since November, ending the year with 13.34%. It was a successful year with my emerging & energy market funds returning the most. My short-term trades yielded only 8.3%, under performing the market for the 1st time in 3 years.

I am a happy camper for now but am a bit afraid that 2018 may be a year of correction.
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Old 12-30-2017, 02:46 AM   #628
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Don't forget to include your end-of-month bond fund dividends in your YTD performance.
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Old 12-30-2017, 02:46 AM   #629
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10.28% on a 50/50 AA (no cash)
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Old 12-30-2017, 02:54 AM   #630
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YTD (December 31, 2017) returns for a collection of 'close-to' 60/40 funds (from Morningstar.com):

15.04% VSMGX Vg LifeStrategy Moderate Growth (60/40)
14.08% VTWNX Vg Target Retirement 2020 (56/44)
13.89% VBIAX Vg Balanced Index (60/40), no foreign
14.04% DGSIX DFA Global 60/40 I, small-cap & value tilted
14.82% VWENX Vg Wellington (65/35)
15.94% VTTVX Vg Target Retirement 2025 (64/36)
18.33% VGSTX Vg STAR (63/37)

In 2017 VTSAX (Total US Stock Index) was up 21.17% while VTIAX (Total Int'l) was up 27.55%.

My small-cap and value tilted portfolio of about 60/40 outperformed VSMGX this year even though it held lots of a small-cap value fund VBR (up 11.80%). Basically, it was 'saved' by also holding lots of small-cap foreign VSS (up 26.68%).
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Old 12-30-2017, 03:41 AM   #631
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Tentative results for December since I have not yet reconciled everything but it should be within 10 bps.

DateYTD return
12/29/1714.55%
11/30/1713.77%
10/31/1712.27%
09/30/1710.95%
08/31/179.56%
07/31/179.17%
06/30/177.47%
05/31/176.89%
04/30/175.60%
03/31/174.54%
02/28/173.82%
01/31/171.78%

AA is 60/35/5. I stayed pretty close to that throughout the year because I rebalanced frequently in fear that stock gains might slip away. My benchmark is the Life Strategy Moderate Growth and I lagged the benchmark by 49 bps (3.2%)... probably due to my 5% cash allocation that only earns 1.15%.

Stars were international equities, closely followed by domestic equities... over 22% in aggregate. Bonds were ok at ~3.15% in aggregate.

All things considered... an excellent year!
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Old 12-30-2017, 08:13 AM   #632
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14.3% IRR On 100% Canadian equity portfolio. About 5% better than my benchmark (TSX).
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Old 12-30-2017, 08:18 AM   #633
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14.14% with approx. 52% equities. very pleased....
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Old 12-30-2017, 08:21 AM   #634
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Just did my year end numbers and I'm more then happy. I may do it different then most but I want bottom line numbers for my tracking.

13.48% return from all funds this includes 16% cash. The 13.48% is with all expenses covered for the year also. My WR was the same as last year at .5% of my portfolio. My cash pulls down my bottom line numbers but that is fine with me because I live from that money and gives me a security if the markets go south for years.

WOW what a great year.
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Old 12-30-2017, 08:26 AM   #635
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Updated for year-end, net of spend I'm up 16.0%. Calculated by taking (CY Ending Balanace+Spend / LY Ending Balance). Last year was 14.2%. I'm happy with that.

Even with spend included I'm up 11% over my prior y/e balance, well above what I was projecting for my 2nd year FIRE. Spent way more on gifts and travel this year than planned.
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Old 12-30-2017, 09:45 AM   #636
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Up 14.27% 60/40 most of the year.
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Old 12-30-2017, 10:25 AM   #637
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13.5% YTD on 60/40 portfolio
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AA:50/50 WR:3% until 2022 then 4% is the plan(Reduced risk Dec 2020 after going through pandemic)
AA:60/40 Dec 2016 - Dec 2020. Lived on 3%
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Old 12-30-2017, 10:49 AM   #638
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14-ish%
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...not doing anything of true substance...
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Old 12-30-2017, 10:52 AM   #639
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https://seekingalpha.com/article/413...using-key-etfs

Above, while not year end, has a table with pretty good summaries of returns for various asset classes for 2017, last 5 years, and since market bottom in March, 2009.

If you ain't happy with your returns at this point, what would make you happy?
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Old 12-30-2017, 11:20 AM   #640
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Retired 68 YO...45/40/15.... 10.9% A good year indeed.
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