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Old 02-29-2020, 08:25 AM   #101
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Jan +1.12%
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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 02-29-2020, 08:26 AM   #102
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I am going to break things out a bit, just to show that market timing does work.

My IRA #1: Up 27% YTD
My IRA #2: Up 16% YTD
My Roth: Up 43% YTD
Taxable: Up 16.5% YTD

Wife's 401K, 100% SPY and Vanguard total stock market, down 10.75%+ YTD

Market timing works!*


*results may vary
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Old 02-29-2020, 08:27 AM   #103
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Originally Posted by Fermion View Post
I am going to break things out a bit, just to show that market timing does work.

My IRA #1: Up 27% YTD
My IRA #2: Up 16% YTD
My Roth: Up 43% YTD
Taxable: Up 16.5% YTD

Wife's 401K, 100% SPY and Vanguard total stock market, down 10.75%+ YTD

Market timing works!*


*results may vary
Break it out even more...what's in your Roth and how did you manage 43%?
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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 02-29-2020, 08:27 AM   #104
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-5.44 YTD not as bad as I thought it would be. I'm in the ball park of 80% equity.

In reality a hundred dollar bill is still worth $94.56 with a 5.44% hit. I will keep on living life not a big deal for me.

In the big picture the number is terrifying thou. LOL Oh well easy come easy go.
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Old 02-29-2020, 08:30 AM   #105
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Originally Posted by kgtest View Post
Break it out even more...what's in your Roth and how did you manage 43%?
LOL it was all from buying puts on SPY the past couple of weeks. Could have been a 1000% gain but I have weak hands.
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Old 02-29-2020, 08:30 AM   #106
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Originally Posted by Bir48die View Post
Who cares? Short term gains or losses don't mean anything. You have to go 3-5 years to even comment on returns.
Is this really true? As one gets older does not the timeline decrease? Yes for those whipper snapper retirees, but for those approaching and/or in their late 60's to mid 70's and over, long term is somewhat relative.
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Old 02-29-2020, 08:39 AM   #107
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Who cares? Short term gains or losses don't mean anything. You have to go 3-5 years to even comment on returns.
I'll play this game! So when I started tracking in 2012, up 340% over 8 years and 2 months... so what is that (340 / 8) = 42.5%/yr avg.
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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 02-29-2020, 08:43 AM   #108
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-5.71% total return YTD according to Morningstar. We bought more on Tuesday and Thursday. The rentals are doing swimmingly by comparison, the sun is shining, and I repaired our irrigation system with a new valve purchased for $1 at a yard sale while on my way to HD to buy the same valve for $15. Sometimes stuff just works.
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Old 02-29-2020, 09:01 AM   #109
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-2.14% 45/55

Not too bad considering the blood bath this week.
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Old 02-29-2020, 09:04 AM   #110
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I am almost exactly even YTD, having gone down to less than 10% equities end of Nov2019. Down only $13k from Feb peak. I should be up ~1% after Feb divs and interests post.
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Old 02-29-2020, 09:25 AM   #111
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Ytd -7.58%, 87/12/1
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Old 03-01-2020, 10:27 AM   #112
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-6.2%

Bummer until I look over a column (to 2019) and see 24.5%.
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Old 03-01-2020, 10:47 AM   #113
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YTD -6.23%, 88/0/12

Compared to Feb's high -10%
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Old 03-01-2020, 02:16 PM   #114
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YTD -3.87%.
Saved about 0.80% due to my small transfer into bonds on 02/19.
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Old 03-01-2020, 03:08 PM   #115
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Down 4.3% The balance has been devastated all the way back to where it was on December 4th, 2019. Had been sitting at 99%, now 16%, waiting for that dead cat to bounce...
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Old 03-01-2020, 03:44 PM   #116
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-4.1%. Taking 1/3 2019 gains in late Jan., then last week's decline and taking remainder of 2019 gains Friday took me down from 57% stocks to 50%; another 2-3% decline in stock allocation will have me start to put all that cash back to work (reinvest 2-3% cash for each additional market decline of 4-5%). Cash is currently almost 25%.
I have enough cash for withdrawals to take me a year past SS FRA.
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Old 03-01-2020, 04:24 PM   #117
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-3.36% YTD 50/50/0

I track overall portfolio growth as a running average since 5/1/18 (nothing significant about that date that I can think of). I use moneychimp/XIRR in Excel and my own formula and all show 8-9% over that time.

FIRE'd 3 years now, DW still works 2-3 more years and as yet, we have not touched the portfolio.

Let's see what this new week brings.....
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Old 03-01-2020, 05:41 PM   #118
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-5.04% ytd aa: 68/28/4
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Old 03-01-2020, 06:18 PM   #119
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As a 40/60 guy I always valued the 25 years expenses I've got in FI. But dang, that 40 group is dragging my supposed conservative portfolio down by six figures. In very short order I might add.
Now, do I rebalance eventually or just let it ride? For now it's a few K at a time back into equities. If I don't keep pace with an upswing I still win. If the drop is prolonged I won't get hurt too much.
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Old 03-01-2020, 08:49 PM   #120
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-3.09%. My only winners are a bond fund and my day trading account.
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