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01-05-2019, 09:53 AM
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#961
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2016
Posts: 9,417
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My YTD numbers include all expenses and what gains or losses from the market. I do not withdraw or add to these investment accounts or rebalance. I take what I need from a savings account ( which is in the moneys I use) so mine is very easy and simple to track. So from the start to a given month or year end is my YTD number/% for that time. I do use the 12 month constant to find that % of gain or lose. That plus or loss in a given time is all that I want to track.
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01-05-2019, 11:58 AM
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#962
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Thinks s/he gets paid by the post
Join Date: Mar 2005
Location: yonder
Posts: 2,851
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redduck's 2018 Portfolio results.
Dividend Portfolio: 0.00% according to Schwab; +0.03% according to moneychimp.
Entire portfolio (including the dividend portion of the portfolio): -2.12%
No outside money is coming into my portfolio (darn!). Any money that goes out (RMD's) is accounted for using moneychimp. For me, the purpose of this exercise is to see how my investments are faring.
Spoiler Alert:
The stuff below is optional reading. Reading it will not make you a better person.
I see my portfolio as being in two parts. One could say "two-parted" but I don't know why anyone would say it that way.
The first part we will call the Dividend Part. It currently consists of 22 dividend stocks. I sort of see the dividend portfolio as part of my bond portion of my portfolio. Hopefully, the dividend stocks are of high enough quality (OK, GE wasn't) that they will boost the income of the bond portion without adding much risk. I have no idea of how well this idea is working.
Anyhow, comparing it to the Wellington fund (-3.32%) I did OK this year with my -2.12%. Even beat VIG (Van. Dividend Appreciation ETF) (-2.40% in 2018). However, this might not be a fair comparison as I don't know if Vanguard uses moneychimp to figure out how they did. Additionally, my portfolio also trounced VLXVX (Van Target Retirement 2065) which came in at -7.95%.
__________________
When the people shall have nothing more to eat, they will eat the rich--philosopher Jean-Jacques Rousseau
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01-05-2019, 01:26 PM
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#963
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Thinks s/he gets paid by the post
Join Date: Jul 2014
Location: Undisclosed
Posts: 1,237
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Moneychimp and my calculations say we lost 3.29% on a 65/35 portfolio. XIRR says we lost 4.10%, so I have to figure out what I am doing wrong with those entries. Either way, not too bad.
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01-06-2019, 08:13 AM
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#964
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Moderator
Join Date: Oct 2010
Posts: 10,656
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Big inflows or outflows at the beginning or end of the year will cause the money chimp style estimate to diverge from the 'gold standard' xIRR.
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01-06-2019, 08:52 AM
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#965
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Recycles dryer sheets
Join Date: Oct 2015
Location: Indiana/Florida
Posts: 318
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Up 14.7%. Retirement plan is 95% money market and GIC since March of 2017. Biggest nut is private company equity position that returned 29%.
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01-06-2019, 10:34 AM
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#966
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Thinks s/he gets paid by the post
Join Date: Nov 2015
Posts: 2,691
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Nvm
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01-06-2019, 12:05 PM
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#967
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Thinks s/he gets paid by the post
Join Date: Jul 2014
Location: Undisclosed
Posts: 1,237
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Quote:
Originally Posted by N02L84ER
Moneychimp and my calculations say we lost 3.29% on a 65/35 portfolio. XIRR says we lost 4.10%, so I have to figure out what I am doing wrong with those entries. Either way, not too bad.
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I found a big typo. Now my XIRR says we lost 3.31%. Close enough.
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01-08-2019, 10:20 PM
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#968
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,309
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__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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01-09-2019, 12:16 AM
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#969
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Thinks s/he gets paid by the post
Join Date: May 2014
Location: Utrecht
Posts: 2,650
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Wow, the first time in 19 years cash beats out every other asset class, and the only one actually having a positive return.
If you go after inflation, not a single asset class was positive.
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01-09-2019, 03:43 AM
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#970
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Recycles dryer sheets
Join Date: Jun 2018
Posts: 79
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I’m only -3% under for 2018 bu that includes incorporating in all the dividends I received. Thank Goodness for dividends!
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01-09-2019, 04:14 AM
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#971
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Thinks s/he gets paid by the post
Join Date: Oct 2017
Location: Tellico Village
Posts: 2,607
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Quote:
Originally Posted by jazz4cash
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Thanks for posting the Table- Cash was King in 18.....
__________________
Retired May 13th(Friday) 2016 at age 61.
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01-09-2019, 08:42 AM
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#972
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,309
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My head is really big after seeing cash was king last year and my CDs smoked the cash return in the table. I’m still down overall, though.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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01-09-2019, 09:48 AM
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#973
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,228
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Guess I should have been 100% in Ally online savings..... NOT
__________________
TGIM
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01-11-2019, 11:58 AM
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#974
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2011
Location: NC Triangle
Posts: 5,807
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The BLS released CPI numbers. CPI-U less food and energy for 2018 was 2.2%.
So, I guess those who want to add insult to a lousy year can factor that in!
__________________
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01-11-2019, 01:28 PM
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#975
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Moderator
Join Date: Oct 2010
Posts: 10,656
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My spreadsheet has that column, but I've formatted the text to white on white so I don't see it
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01-12-2019, 08:12 AM
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#976
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2011
Location: NC Triangle
Posts: 5,807
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I’ve got that column too. Looking on the bright side, my humongous planning (and now tracking) spreadsheet factors in a 3% annual inflation rate. That’s not yet been exceeded in any year since I hung it up (knock on wood).
__________________
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01-13-2019, 08:30 AM
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#977
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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I’ve created a SWR tab on my spreadsheet, and am calculating two possible withdrawal methods, one being a straight 4%/ yr, and the other the 4% “rule”.
EOY 2018, they are $6 apart. The 4% rule has been lower every year since the first.
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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