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Old 01-01-2021, 08:12 AM   #761
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Dug a little deeper for year end. My FA managed IRA beat my self managed IRA (I think for the first time) due to FA rebalancing to a more aggressive AA early 2020.

Taxable 19.7%
MM 0.5%
Self IRA 10.8%
Roth. 21.0% AA for these 4 - 48.6/39.4/12.0
---------------------------------------------------------------------------
FA IRA. 11.15% AA 56.4/39.8/3.8
AT&T. -26.4%


Overall return w/ Money Market 10.0%
Overall return W/o Money Market 10.8%

Overall AA 52/39/9 WR 2.3%
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Old 01-01-2021, 08:19 AM   #762
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Just checked my play money account where I buy and hold speculative stocks and see it went up 50% in 2020. Too bad it doesn’t have as much in it as my retirement accounts. The retirement accounts are up 22.78% for the year.
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Old 01-01-2021, 08:28 AM   #763
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Location: St. Charles
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Final tally for 2020:

+14.4%

AA: 55/45

A wild ride, to say the least.
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Old 01-01-2021, 08:38 AM   #764
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My final performance numbers for 2020: 7.94% gain on year ending 31/48/21 AA. I am very happy with that.
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2020 Investment Performance Thread
Old 01-01-2021, 08:44 AM   #765
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2020 Investment Performance Thread

Retirement portfolio 2020 return 18.86% vs benchmark VTHRX (Vanguard Target Retirement 2030) 14.10%. Stock/bond allocation follows VTHRX (~67/33).
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Old 01-01-2021, 09:06 AM   #766
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Fidelity account up 14.3%, mostly equities. UBS up 9.7%; it's about 65% equities. I'm particularly happy with a Separately Managed Municipal Bond account at UBS (Lord Abbett makes the buy and sell decisions, I own the individual bonds) that's got an IRR of 6.7% for the year.

I finally created an Excel spreadsheet that tracks IRR by individual investment, updated with a Cut and Paste from the downloaded brokerage values, so I'll be able to weed out under-performers more easily going forward.
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Old 01-01-2021, 09:13 AM   #767
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Location: Belle Mead
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+14.22% on 60/40 AA ... held tight during the Coronavirus swings...
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Old 01-01-2021, 09:20 AM   #768
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Total Portfolio Value
YTD Change

(50/45/5 target)
Dec-20 +2.61%
YTD +8.26%

American Balanced Fund Class R-6 (RLBGX) is a managed index fund which is similar to our target, and we use it to estimate our portfolio return.
Year-to-Date Return 11.22%
Overall Portfolio Composition (%)
Cash 13.12%
Stocks 54.94%
Bonds 31.08%
Preferred 0.11%
Convertable 0.58%
Attached Images
File Type: png 2020 EOY.png (14.8 KB, 44 views)
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Old 01-01-2021, 09:27 AM   #769
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AA: 60/30/10
+15.49%

The total dollar amount increase is 10X our 2020 spending. Waiting for the day so we can travel big.
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Old 01-01-2021, 09:40 AM   #770
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13.55%


I'm too lazy to look up the allocation but its probably close to 70/30.
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Old 01-01-2021, 09:46 AM   #771
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15.30% per money chimp calculation with 50/40/10 portfolio. I did not draw any money this year other than to invest in home mortgage for a divorced daughter with interest to match current bond interest. I am starting SS in Jan 2021 at full retirement age. I need to force myself to start spending some of the returns as it is difficult to stop saving and start spending for me. All equities in VTSAX, bonds split evenly between VBILX and VBTLX. Cash is returning 3% last year and 1.1% in 2021. I rebalanced twice in 2020, one time within 2 days of the bottom in March(luck).
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Old 01-01-2021, 09:52 AM   #772
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9.41% for 2020 with a 36/64 AA. VERY happy with that.
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Old 01-01-2021, 10:16 AM   #773
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Two main IRA’s are up 13%. Approx. 60/40.
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Old 01-01-2021, 10:38 AM   #774
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Join Date: Aug 2013
Posts: 1,536
Me: 12.2%
S&P 500: 18.4%
VTSAX: 20.99%
Wellington: 10.69%
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Old 01-01-2021, 10:56 AM   #775
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9.9%

Considering I am about 48/52, and my equities are 30% international, I am fine with this!
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Old 01-01-2021, 11:20 AM   #776
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Net worth is up 22% for the year. I did receive 90K in take home pay, but my spending was about that as well, so am considering that a wash. I don't keep detailed enough records to calculate anything else.

Retiring in 5 days, 2021 will be interesting but I'll take 2020 gains every year, no questions asked.
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Old 01-01-2021, 11:35 AM   #777
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+ 19.87% YTD. pleased with the returns.
AA : 82/16/2.....Must change AA to 75/23/2 on January 4, 2021
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Old 01-01-2021, 01:33 PM   #778
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Up 12.36% this year. Kind of unbelievable, given everything that has happened.
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Old 01-01-2021, 02:00 PM   #779
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Join Date: Aug 2013
Location: North
Posts: 2,917
Jan +1.12%
Feb -6.18% due to COVID-19 fear
Mar -18.25% COVID-19 triggers 3 circuit breakers and 2TT+ in stimulus. This time IS different. At one point during the month we were down 28%
Apr -6.10% Back to Feb levels. Wasn't as fortunate as Lord Ackman and his 2.6BB short. The world has changed.
May +.82% my city burns around me by way of rioters, but hey the folio turned pos again
June +4.3% For some reason I feel like this is where it 'should' be? I anticipate slower growth in the next 2 quarters. Remember the Tariffs?
July +13% Thanks to the AAPL 4:1 split, folio back at records.
August +22.2% I sorta expected to be here somehow but under different circumstance. AAPL has been the winner
September +18.9%
October +15.43% with elections 2 days away
November+29.45% Gobble gobble! 100% equities
December+37.23% 5.5% of our 2020 gain was dividends reinvested.
Can't wait to see what's in store for 2021

was a wild one.

2020_volatility.jpg
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AA (Stock/Bond/Cash ): 97.5/0/2.5% MIX (Small/Mid/Large): 25/25/50% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): ~50% of Assets

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 01-01-2021, 02:19 PM   #780
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3 month 5.17%
1 year 33.83%
3 year 18.00%
5 year 16.17%
10year 13.27%
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