2017 YTD investment performance thread

[COcheesehead]

YTD just under 4% all in including cash. AA approximately 60/35/5.

[NW-Bound]

So, I closed the first trimester of 2017 with a gain of 5.49%, calculated over every account, including the last penny in the checking account.

Reasonably happy with it, considering that I am only 66% in equities, with much of the rest in cash. The S&P is up 6.37% for the period, and I got 86% of that gain.

It may just evaporate next week, but so far so good.

[Fedup]

My IRA is still 5%, but my taxable account is a lot higher. I'm surprised by my stocks picking ability.

[Whisper66]

YTD return as of 3/31 is ~0.1% with asset allocation of 85% equities /15% fixed assets. Includes all liquid assets including living expense funds. Accounts for adds/removes from portfolio except for some dividends that I'll figure out when account statements come out, won't change the result much. Return was driven by losses in energy sector assets (dropped 8 to 10%) which were then offset by gains in the rest of the assets, lead by the only new asset purchased this year (Vanguard health care fund purchased in late Jan up 12.7%).

[pb4uski]

Quote:

Originally Posted by pb4uski 3.75% YTD through 2/28/2017... a good start for the year, but only 2 months so it would be a little premature to get too excited.

4.63% YTD based on XIRR of beginning balance, withdrawals, cash dividends and ending balance using a 12/31/2017 date. AA of 65/35/5.

I have been rebalancing more often than normal into the rally to keep cash up giving upcoming wedding costs later this year.

[Alan]

XIRR 2.27% through April 1st

AA 46/54/0

[Rickt]

5.15% thru March 31, 2017 as per personalcapital.com across all accounts
(53%-domestic/25%-international/20% Bonds/2% cash)

[target2019]

Quote:

Originally Posted by target2019 A bit early for end of Feb 2017. Will have to do: YTD Wghtd Perf - 3.57% Port Total YTD - 8.13%

Above was for YTD February.

YTD end of March 2017:

3.73% - YTD Wghtd Perf for Equity/Fixed/Cash (55/40/5)

7.75% - Port Total YTD

[LOL!]

Quote:

Originally Posted by pb4uski 4.63% YTD based on XIRR of beginning balance, withdrawals, cash dividends and ending balance using a 12/31/2017 date. AA of 65/35/5. I have been rebalancing more often than normal into the rally to keep cash up giving upcoming wedding costs later this year.

I really like that 105% allocation total. So you borrow 5% and invest it? What interest rate do you pay?

[LOL!]

YTD (March 31, 2017) returns for a collection of 'close-to' 60/40 funds (from Morningstar.com):

4.35% VSMGX Vg LifeStrategy Moderate Growth (60/40)
4.10% VTWNX Vg Target Retirement 2020 (57/43)
3.82% VBIAX Vg Balanced Index (60/40)
3.84% DGSIX DFA Global 60/40 I
3.45% VWENX Vg Wellington (66/34)
4.59% VTTVX Vg Target Retirement 2025 (65/35)

[pb4uski]

Quote:

Originally Posted by LOL! I really like that 105% allocation total. So you borrow 5% and invest it? What interest rate do you pay?

Oops.... make that 60/35/5.

Actually, if I grossed it up for my mortgage and car loan, both of which are marginally invested, I would be 65/37/6... pretty close to my typo. Mortgage is 3.375% and car loan is 1.9%.

[DEC-1982]

YTD: 5.2%

YTD out-performance (against 60/40 benchmark) due to healthcare tilt.

[redduck]

Using moneychimp.com to do the calculations, my dividend portfolio is up 3.01%. I am using the dividend portfolio (which consists of stocks that have a very high/high safety ranking by Value Line) as a component of my bond allocation.

[CardsFan]

YTD 4.4%, after correcting for spending (60/30/10)

[RetiredGypsy]

5.59% now.

[supernova72]

4.73% as of 3/31 in Megacorp 401K (keeping it there for now). AA is 70/30. I'll take it!!

[Happyras]

According to personal capital, our allocation is 47.5 US stock/16.5 Int Stock/22.42 US Bond/7.4 Int Bonds/2.5% cash (cash in MF)/3.7% Alt

Our performance YTD at 3.7% is 65% of the S&P of 5.5%, better if compared to Dow at 4.6%. This is highly correlated to our equity allocation.

I am certain our under performance was primarily due to higher bond allocation earlier in the quarter Where we were performing to 58% of the S&P with more of a 60/37/3 allocation.

We are very close to the efficient frontier risk for our allocation within 0.1% of performance, and 0.2% of the risk. I did this intentionally through some recent rebalancing.

I am curious how some folks like us in retirement, are getting a higher performance. What traditional measure of risk? Not just the performance but how do their allocations approach the efficient frontier?

[LOL!]

Quote:

Originally Posted by Happyras […] Our performance YTD at 3.7% […] I am curious how some folks like us in retirement, are getting a higher performance. What traditional measure of risk? Not just the performance but how do their allocations approach the efficient frontier?

If you look inside the funds I listed this morning in this thread, then you can see that higher allocations to foreign equities helped and lower allocations to US small cap value helped, too. Here is a chart to show that:




Also "efficient frontier" does not mean "best return." Personal Capital touts a small-cap value overweight, but SCV did great in Nov-Dec 2016 and has taken a breather so far in 2017.

Bond funds have done relatively well: Despite FFR hikes in December and March, bond funds are up 1% for the quarter and on track for a very typical one-year return of 4%.

Big question though: Is it time to rebalance out of foreign into US small-cap value?

[OldShooter]

I have taken a rubber-meets-the-road approach to performance lately, setting up specific $100K equity tranches to test various portfolios:

• Couch Potato; 2/3 total US market, 1/3 total Int'l: 6.4%
• Schwab "Intelligent Portfolios" 5.7%
• DFA 50/50 USA/Int'l with a slight emerging market tilt: 6.2% net of 1Q 12.5bp fee

ACWI All Cap World Index (Large+Mid+Small+Micro Cap) Total Return: 6.82%

That stock picking doesn't work is very old statistical news. So I don't do it. Sad to say it took me almost 40 years of investing to finally understand that nobody in the investment business knows anything useful.

[LOL!]

@OldShooter, that's a nice experiment. I predict your 100% equity ploys will create something like a Callan Periodic Table of Investment Returns. Just worry about skating to where the puck was.

So instead of stock picking, what about asset class picking? Or at least predicting the future near-term performance of asset classes?