2021 Investment Performance Thread

[NW-Bound]

Up 0.35% YTD.

As of last week, I was up 7.0%.

Hopefully, it will not be as bad as Jan 2018. That year, I was up 7.4% by Jan 26, then all hell broke loose when a couple of volatility ETFs imploded taking the whole market down. By Feb 08, I was down -4.2%.

I did not see that Jan 2018 high water mark again for a long time. That year 2018 was a negative year for the market. Let's hope 2021 will not be as bad.

[NW-Bound]

Quote:

Originally Posted by chassis How about posting in terms of return on net worth? That’s the bottom line isn’t it? Return on net worth (equity) brings the total picture into focus. Financial assets, real estate, business interests and personal household expenditures/consumption. If you made 10% in the market and blew twice that much on cheap beer and cigarettes, how does one describe that outcome in this thread?

We have talked about that in the past. The withdrawals have to be accounted for.

The most accurate way is by using the IRR formulation on a spreadsheet, but most people here have been using a much simpler method called the "Moneychimp formula". It is very close to the IRR, if you make somewhat equal periodic withdrawals through the year.

About net worth, most of us compute only the return on liquid investable assets, mainly stocks/bonds/CDs, and leave out the real estate value of our home(s). I guess people with a lot of real estate investments would think differently.

[dunkelblau]

Taxable brokerage accounts (plus tIRA) up 8.1% in 2021 Jan. These accounts averaged 51% cash+bondfunds at YE, the rest being stock punts + ESOP shares. ESOP shares (current + former) gained ~1.5% over the month so like cash/bonds were a drag on returns. Turnover (buys + sells) was ~3% for the month. Names that did best in 2020 seem mixed so far in 2021, some continued their ascent while others keeling over. Many perennial sleepers started coming back to life in early November, especially among the dregs (pink sheet penny stocks and the like). Half this month's gain comes from three of these guys so likely to be given back.

401k accounts were down 0.15% for 2021 Jan; these are 100% diversified equity index funds split across small/mid/large cap and international. No turnover besides regular contributions.

Overall portfolio (incl FDIC insured deposits) is up 4.8% for 2021 Jan. Enjoying it while it lasts, but expecting my YTD to turn negative by YE2021. Started taking LT cap gains for the first time in years, timing's bad since I'm probably OMY again, but hoping to hold my 2021 drop to single digit %.

FWIW 2020 and 2019 were both +15% and 2018 was -7% for my overall full years.

[Lawrencewendall]

+4.61% ytd, 85/12/3 AA

[sengsational]

All-in liquid assets, spend adjusted, comes to +0.8% YTD. I don't check every day, but for some reason I checked on 1/21 and it was +2.9%, so was doing much better before the last few trading days of January.

[Rickt]

+ 0.34%
aa : 76/21/3

[robnplunder]

Quote:

Originally Posted by NW-Bound Up 0.35% YTD. As of last week, I was up 7.0%.

Up 0.72%. My 2 winners are Asian Pacific and High Tech funds.

Everyone took a beating in the last week. I have a feeling it will continue to be volatile in the near term.

[Andre1969]

Looks like I closed out January 2021 with a loss of about 0.69%. I had been up 2.99% as of January 25, but the drop came pretty quickly.

[Koolau]

Way to early in the year to worry about for me - if I ever actually calculate it.

With the whip-saw nature of the market, I guess we need a chorus of "What a Difference a Day Makes." My favorite version is by Dinah Washington. YMMV

[gamboolman]

Up 0.08% for Jan 2021

it was up ~1.0% three or fours days before the end of the month.

[NW-Bound]

Quote:

Originally Posted by Koolau Way to early in the year to worry about for me - if I ever actually calculate it. With the whip-saw nature of the market, I guess we need a chorus of "What a Difference a Day Makes." My favorite version is by Dinah Washington. YMMV

No, it's not about worry. For me, it's about being cognizant of the current status.

Some people choose not to look. Perhaps they are afraid. No, not me.

I have survived the tech bubble in 2000, and the subprime meltdown in 2007-2009. And even then, it was just about money. I have been in much scarier situations earlier in life when people were dying.

[target2019]

What is measured is managed.
Once a month I fetch the numbers.

[pb4uski]

+0.37% YTD through end of Jan 2021.

[MRG]

.09% for the funds I manage. I have a small Roth that I take more risk in, it's up 4.95% YTD.

[gayl]

I added up my net worth and was surprised that it went up so much in 2020!!! Thought we (USA) were supposed to be struggling but when I plug in the monthly value of my pension on an annuity app I find I come up with:
House. 910k
Schwab 840k
USAA. 40k (checking & savings)
Pension 750k
Total .....2.54m how did that happen?

[street]

^ good for you. Lol It really has been an outstanding year to be in the markets.

[gayl]

I panicked in March and moved from 90/10 to 60/40 but moved back to 83/17 after 30 days. So lost a little (6%?) in Schwab but not kicking myself over that. Not reinvesting dividends until I get to 80/20

[Ronstar]

Quote:

Originally Posted by target2019 What is measured is managed. Once a month I fetch the numbers.

I fetch once a month also. Takes me about 20 minutes to fetch and enter into my spreadsheet. Not a big deal.

But I was just thinking about this. I imagine that there are members of this esteemed group who have their numbers at their fingertips - done automatically via some sort of daily download.

If so, does anyone care to share how they do this? I'd like to see my numbers daily without having to fetch them.

[gayl]

I use a free app called "My Stocks Portfolio & Widget by Peeksoft:Stock Market & Investing" which auto updates multiple times a day. I don't link it to anything, just manually entered my portfolio once, then update dividends / buy & sell orders. Also tracks cash

[Ronstar]

Quote:

Originally Posted by gayl I use a free app called "My Stocks Portfolio & Widget by Peeksoft:Stock Market & Investing" which auto updates multiple times a day. I don't link it to anything, just manually entered my portfolio once, then update dividends / buy & sell orders. Also tracks cash

Thanks - I'll check it out. I understand how an app can get ticker symbols and compute portfolio value based on a static number of shares. But I don't know how anything would work with mutual funds where share numbers are constantly changing.