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Old 12-31-2020, 01:02 PM   #741
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I guess we fall into the 9% camp. Prior to the big fall we were beating the market return by 1 to 3%, with 75 to 90% equities then after a quick study of risk, history, and sound advice we changed our allocations in April closer to 45-50% equities, 20% preferred stocks, and 30% short term cash equivalents and REITS. Right now we are about 60% stock equities. I feel pretty good about the net returns for the appropriate risk at our ages. We will gradually change our allocation to equities as valuations normalize and the Feds take away the crutches, but for now this positive return is pretty good.
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Old 12-31-2020, 02:45 PM   #742
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Up around 8% for the year in the retirement accounts. Around 50% stocks. Been ER for 13 years now, this has been a good year. We sold our plane, but bought a new house and boat.

After 13 years our net worth is quite a bit higher than it was at the beginning of 2007. I was a little conserned at the beginning, but we weathered the storm of the Great Recession and things look good now. Except COVID 19 of coarse.
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Old 12-31-2020, 04:37 PM   #743
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I had to check it twice but I'm up 37% this year - and that's with selling a bunch of equities at a loss (I wanted a capital loss for the future).

This is due to Apple performing as it did and my exposure to bitcoin. But I also bought some stuff when everything was on sale. Mistakes made? Sure, I sold half of my Apple stock at pre-split 325 and then spend that money on treasuries. It was supposed to let me sleep better... lol.
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Old 12-31-2020, 04:40 PM   #744
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Final 2020 IRR +32.4% on 100/0/0 allocation. Biggest holdings BEP, BIP.
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Old 12-31-2020, 05:25 PM   #745
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Final 2020 IRR +32.4% on 100/0/0 allocation. Biggest holdings BEP, BIP.

Be happy, you almost quadrupled the returns on my sad 50/50 portfolio. Since you also significantly beat the S&P500 are most of your investments in individual equities?
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Old 12-31-2020, 06:01 PM   #746
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AA back 70/30 from 96/4 and between last week and this week, I sold 20x yearly expenses in equities after it was up 13x yearly expenses in 2020.

wash, rinse and repeat if there is another round of "Blood in the streets"
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Old 12-31-2020, 06:42 PM   #747
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Up 15.5% for 2020, with a 50/50 equity/bond allocation. Lots of crazy rebalancing early in the year.
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Old 12-31-2020, 08:16 PM   #748
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11.3 works just fine for me from a 60/30/10 AA.
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Old 12-31-2020, 08:40 PM   #749
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Total return of 18.2% for 2020. Current equity AA of 56%, and 31.5% cash. Of the equity portion, most of it is in individual stocks, and only 1/5 of it is in mutual funds.

The above return is not too bad, considering that I don't have any of this year's high-flyers like the FAANG stocks, let alone Tesla, Zoom, etc... And yes, I have plenty of energy (oil, gas) stocks that got creamed this year.
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Old 12-31-2020, 08:43 PM   #750
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^ nice return!
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Old 12-31-2020, 08:46 PM   #751
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^ nice return!

Thanks. I just checked and saw that the S&P return this year is roughly about the same, yet I am not 100% in stocks.

The difference is that I have been busy with option trading, and it helps. I sell covered calls on some of my stocks, and covered puts on a portion of my cash.
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Old 12-31-2020, 08:47 PM   #752
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I am exiting the year with 15.4% return on investements. My winners were FSRPX (+44%), VEMPX (%32%), and FCNKX (%33%). Who would have thought the stock market will withstand the COVID driven economy?

Good luck and best wishes to everyone in 2021!
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Old 12-31-2020, 09:15 PM   #753
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13% with 80% in S&P funds and 20% cash.
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Old 12-31-2020, 09:29 PM   #754
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Be happy, you almost quadrupled the returns on my sad 50/50 portfolio. Since you also significantly beat the S&P500 are most of your investments in individual equities?
I have been 100% individual equities since 1993, almost never any tech or 'new' stuff.

Nothing wrong with your returns or allocation, I recommend an approach similar to yours to most of my buddies (who ask) using a broad ETF. I just happen to enjoy analyzing companies, similar to my approach to playing wargames and other simulations.
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Old 12-31-2020, 10:24 PM   #755
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Everyone did so well. Two thumbs up!
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Old 12-31-2020, 10:32 PM   #756
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Up 14.5% on about 65%-35%. Very happy with that. Big winners were AAPL up 83%
MSFT up 40% and CTAS up 30.5%
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Old 12-31-2020, 11:44 PM   #757
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I am up 22.78% in my Roth 401(k) and traditional 401(k) in 2020. Have been invested 100% equities (various mutual funds) since 1998, so I have seen the good, bad and the ugly. Usually not all three in the same year, but 2020 was no ordinary year.
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Old 01-01-2021, 06:29 AM   #758
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Bump!
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Old 01-01-2021, 06:53 AM   #759
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Well, my final numbers for the year are in, so here's my update. I'm keeping the numbers from previous months in there, to show what a roller coaster ride it's been.


+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.
+2.99% as of 8/31/2020.
-0.89% as of 9/30/2020.
-1.90% as of 10/30/2020.
+7.91% as of 11/30/2020.
+13.15% as of 12/31/20.

As for highs and lows earlier in the year, I initially peaked at +4.67% on February 19, before the COVID smackdown, and bottomed out at -30.47% on March 23.

These are all YTD totals, not month-to-month changes. Anyway, on to 2021, and hopefully a better year for everyone!
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Old 01-01-2021, 07:48 AM   #760
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I'm 16.22% better from the first day of 2020. In April of 2020 I was down ~16% so it has been an interesting year to say the least.

My portfolio is ~77/23 AA. With our combined portfolios our WR was 2% this year. All of the 2% (WR) spending was charity or gifting. We actually had a negative for WR this year with a gain of over $17000 if not for the charity/gifting expense. Both started SS so has made a huge difference number wise for future planning.

I wish everyone a great 2021 portfolio performance report next year.
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