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08-01-2020, 10:25 AM
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#501
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Full time employment: Posting here.
Join Date: Nov 2019
Location: Jersey City
Posts: 522
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Ytd: 11.88%
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08-01-2020, 10:35 AM
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#502
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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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.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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08-01-2020, 10:51 AM
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#503
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Moderator
Join Date: Oct 2010
Posts: 10,723
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Quote:
Originally Posted by W2R
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.
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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.
Quote:
Originally Posted by W2R
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).
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You're doing great!
Mine is up only 0.2% YTD "spend adjusted, all-in"
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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08-01-2020, 11:31 AM
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#504
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Recycles dryer sheets
Join Date: Jan 2012
Posts: 442
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+ 2.16% YTD
aa=72/21/7
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08-01-2020, 01:00 PM
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#505
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Thinks s/he gets paid by the post
Join Date: Sep 2012
Posts: 1,570
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+2.5% ytd 55/20/20/5 aa.
__________________
You know that suit they burying you in? Thar ain’t no pockets in that suit, boy.
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08-01-2020, 04:23 PM
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#506
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Thinks s/he gets paid by the post
Join Date: Nov 2013
Location: Twin Cities
Posts: 3,941
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Up 2.3% YTD. That said, one can’t benchmark with others’ results, because we’re all presumably spending and/or adding to our stashes at differing rates.
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08-01-2020, 04:30 PM
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#507
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Thinks s/he gets paid by the post
Join Date: Dec 2014
Location: St. Charles
Posts: 3,919
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Quote:
Originally Posted by Markola
Up 2.3% YTD. That said, one can’t benchmark with others’ results, because we’re all presumably spending and/or adding to our stashes at differing rates.
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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.
__________________
If your not living on the edge, you're taking up too much space.
Never slow down, never grow old!
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08-01-2020, 04:35 PM
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#508
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Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 1,225
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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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08-02-2020, 07:21 AM
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#509
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Recycles dryer sheets
Join Date: Feb 2017
Location: Weatherford Texas
Posts: 456
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Down 2.65% as of July 31st.
__________________
Retired June 1, 2018
RE AA 65/35
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08-02-2020, 08:19 AM
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#510
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Thinks s/he gets paid by the post
Join Date: Apr 2013
Location: Ormond Beach
Posts: 1,407
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Quote:
Originally Posted by target2019
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
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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%.
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08-02-2020, 08:21 AM
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#511
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Moderator
Join Date: Oct 2010
Posts: 10,723
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Quote:
Originally Posted by Markola
Up 2.3% YTD. That said, one can’t benchmark with others’ results, because we’re all presumably spending and/or adding to our stashes at differing rates.
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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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08-02-2020, 09:48 AM
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#512
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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-1.2%, still holding too much dry powder earning zip.
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08-02-2020, 10:19 AM
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#513
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 7,113
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7.14% YTD. No additions or withdrawals.
__________________
Duck bjorn.
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08-02-2020, 11:14 AM
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#514
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,720
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Quote:
Originally Posted by GTFan
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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And what do you recommend?
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08-02-2020, 11:31 AM
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#515
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Full time employment: Posting here.
Join Date: Jan 2008
Posts: 759
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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.
__________________
Retired July 2013 at age 49.
Lazy Portfolio Investor:
AA: 55% Stocks
35% Bonds
10% Cash
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08-02-2020, 12:53 PM
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#516
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Recycles dryer sheets
Join Date: Nov 2017
Location: Green Bay
Posts: 226
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.63% ytd AA 45/55
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08-02-2020, 01:16 PM
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#517
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Recycles dryer sheets
Join Date: Apr 2006
Posts: 150
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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.
__________________
Best!
-AJ
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08-02-2020, 01:35 PM
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#518
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Posts: 1,660
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Quote:
Originally Posted by ajs56
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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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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08-02-2020, 01:40 PM
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#519
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Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,746
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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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08-02-2020, 02:17 PM
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#520
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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Quote:
Originally Posted by RetireAge50
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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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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