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Old 08-01-2020, 10:25 AM   #501
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Old 08-01-2020, 10:35 AM   #502
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I probably don't calculate this the way everyone else does, but I have a number that I calculate every day. It's the value of my portfolio (taxable plus tax advantaged), added to the balance in my bricks-n-mortar bank accounts. Anyway, that sum is up 3.5% since the beginning of the year! And that despite mostly living off of it (along with SS and mini-pension).

Today, once again, that sum is the highest it has ever been in my entire life. That makes me so happy. The next time the economy goes in the toilet, as it has a habit of doing every few years, I'll remember this day.
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Old 08-01-2020, 10:51 AM   #503
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I probably don't calculate this the way everyone else does, but I have a number that I calculate every day. It's the value of my portfolio (taxable plus tax advantaged), added to the balance in my bricks-n-mortar bank accounts.
That's pretty close to what I do, except I put a bit of math on it (we've been calling it "money chimp" spend adjustment using my "burn rate" as input) but that math makes almost no difference in the value calculated. But yeah, it's primarily just the difference in the balances between the first of the year and "now" on ALL money accounts.

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Anyway, that sum is up 3.5% since the beginning of the year! And that despite mostly living off of it (along with SS and mini-pension).
You're doing great!

Mine is up only 0.2% YTD "spend adjusted, all-in"

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Today, once again, that sum is the highest it has ever been in my entire life. That makes me so happy. The next time the economy goes in the toilet, as it has a habit of doing every few years, I'll remember this day.
I'm just a hair shy of 12/31/2019, which makes it a few hairs shy if you count inflation (but no need to spoil the celebration).
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Old 08-01-2020, 11:31 AM   #504
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+ 2.16% YTD
aa=72/21/7
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Old 08-01-2020, 01:00 PM   #505
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+2.5% ytd 55/20/20/5 aa.
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Old 08-01-2020, 04:23 PM   #506
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Up 2.3% YTD. That said, one canít benchmark with othersí results, because weíre all presumably spending and/or adding to our stashes at differing rates.
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Old 08-01-2020, 04:30 PM   #507
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Up 2.3% YTD. That said, one canít benchmark with othersí results, because weíre all presumably spending and/or adding to our stashes at differing rates.
Not quite true. I know, in my case, I calculate an IRR that accounts for spending. Some others do the same to account contributions. It's not a perfect calculation, but probably within a few tenths.
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Old 08-01-2020, 04:35 PM   #508
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My calculation accounts for spending and additions. Similar to CardsFan, not perfect but should be close enough for this purpose.
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Old 08-02-2020, 07:21 AM   #509
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Down 2.65% as of July 31st.
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Old 08-02-2020, 08:19 AM   #510
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July 2020

+0.22% Total Portfolio Value YTD Change (50/45/5 target)

Benchmark Performance YTD
+2.45% American Funds American Balanced (50/50) Class R-6 RLBGX
That's not a 50/50 benchmark, strictly speaking. Equities can be anywhere from 50 to 75% and they're currently holding a little more than 55%.
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Old 08-02-2020, 08:21 AM   #511
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Up 2.3% YTD. That said, one canít benchmark with othersí results, because weíre all presumably spending and/or adding to our stashes at differing rates.
You can simply subtract or add your spending to the 1/1/2020 or current balance for a pretty reasonable estimate. That simple approach presumes all spending on the first or last day, which isn't a great assumption, but a simple formula will change the assumption to spending in the center of the date range (we've been calling it "money chimp", named after the web site that uses that assumption). I could, but don't bother with IRR on a routine basis. I did it a few times and it was a few tenths or less different than the money chimp estimate. This is just for gee whiz purposes only anyway, and a good few of the numbers here are, well, suspect. But if true, good for you!
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Old 08-02-2020, 09:48 AM   #512
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-1.2%, still holding too much dry powder earning zip.
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Old 08-02-2020, 10:19 AM   #513
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7.14% YTD. No additions or withdrawals.
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Old 08-02-2020, 11:14 AM   #514
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That's not a 50/50 benchmark, strictly speaking. Equities can be anywhere from 50 to 75% and they're currently holding a little more than 55%.
And what do you recommend?
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Old 08-02-2020, 11:31 AM   #515
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OpenOffice XIRR says 9.9% for the year thru Jul 31. Truly surprised by the v-shaped recovery since March. Of course, the other half of the "W" pattern may be in our future. The only thing I know is that nobody knows.
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Old 08-02-2020, 12:53 PM   #516
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.63% ytd AA 45/55
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Old 08-02-2020, 01:16 PM   #517
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We're at 6.7% YTD thru 8/1/20. This includes YTD withdrawals.
AA 81% Equity/19% cash etc.
Cash = approx 5-6 yrs expenses.
Does not include home equity.

Original poster asked how we invest. We hold ETFs, roughly 80% S&P. 20% int'l as a rule. No big secret formula for us.
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Old 08-02-2020, 01:35 PM   #518
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We're at 6.7% YTD thru 8/1/20. This includes YTD withdrawals.
AA 81% Equity/19% cash etc.
Cash = approx 5-6 yrs expenses.
Does not include home equity.

Original poster asked how we invest. We hold ETFs, roughly 80% S&P. 20% int'l as a rule. No big secret formula for us.

Hmmm, the S&P is up 2.52% and international appears to be down almost 7%. Must be something secret going on or maybe your calculation is askew? No worries though, I was just curious.
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Old 08-02-2020, 01:40 PM   #519
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Here's my latest numbers, updated yesterday morning:

+0.23% on 1/31/2020.
-6.78% on 2/28/2020.
-21.45% on 3/31/2020.
-13.31% on 4/30/2020.
-8.82% on 5/29/2020.
-6.56% on 6/30/2020.
-2.32% as of 7/31/2020.

As for highs and lows of the year, I peaked at 4.67% on February 19, and bottomed out at -30.47% on March 23.

The 7/31 market close was the closest I've come to breaking even for the year, since everything went to hell in a handbag. Net worth-wise, I'm back to about where I was in early December 2019.
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Old 08-02-2020, 02:17 PM   #520
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Hmmm, the S&P is up 2.52% and international appears to be down almost 7%. Must be something secret going on or maybe your calculation is askew? No worries though, I was just curious.
I'd like to have some of the secret sauce given some of the returns mentioned. Makes me wonder if some are contributing to their ports all year long and then comparing July back to the beginning of the year or they've held some investments that really took off.
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