Since we need to take out $ from these funds to augment our pensions, I have always just taken profits from funds that have done well and then rebalance. In order to protect us from times like these, I would move a few years of anticpated withdrawals, parking the surplus in an IRA money market. Don't like to withdraw during bad times unless necessary. Each time I have done that, I would go over the price history of each fund determining what I paid per share when I bought and what it was at the time to determine profitability. Perhaps this was overly complicated and I recently thought of creating the spread sheet with the cost basis of each fund and use that to compare with a current NAV to determine profitability (not likely these days). I am a very concrete kind of guy with limited math skills so this seemed the most direct. Would simply looking at performance data give me the same basic info?
I know 19 funds are a bit much, but with research, I believe I created a well diversified AA with a 55/45 split as my current goal. VG, Quicken, and Excel has taken some of the complexity out of managing this number.
Thanks again for your continued input.
Larry