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12-22-2005, 06:57 PM
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#1
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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How's your YTD
A 60/40 slice and dice portfolio would return 8.01% YTD.
Code:
% of asset YTD Adjusted
Vanguard Value Index (VIVAX) 12.00 8.41 1.01
Vanguard 500 Index (VFINX) 12.00 6.40 0.77
Vanguard Small Cap Index (NAESX) 6.00 8.73 0.52
Vanguard Small Cap Value (VISVX) 6.00 7.25 0.44
Vanguard REIT Index (VGSIX) 6.00 12.78 0.77
Vanguard International Value (VTRIX) 6.00 18.47 1.11
Vanguard International Growth (VWIGX) 6.00 15.32 0.92
Vanguard Emerging Markets Stock (VEIEX) 6.00 31.20 1.87
Vanguard Short-term Bond Index (VBISX) 10.00 1.21 0.12
Vanguard Short-term Federal (VSGBX) 10.00 1.61 0.16
Vanguard Intermediate-Term Bond Index 10.00 1.34 0.13
Vanguard Intermediate Treasury (VFITX) 10.00 1.95 0.20
8.01%
__________________
May we live in peace and harmony and be free from all human sufferings.
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12-22-2005, 08:03 PM
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#2
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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Re: How's your YTD
10.4%
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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12-22-2005, 08:12 PM
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#3
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Recycles dryer sheets
Join Date: Mar 2005
Posts: 329
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Re: How's your YTD
13.5%
__________________
Hope springs eternal in the human breast:Man never is, but always to be blest.
The soul, uneasy and confined from home,Rests and expatiates in a life to come.
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12-22-2005, 08:14 PM
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#4
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Thinks s/he gets paid by the post
Join Date: Feb 2003
Location: Nomadic in the Rockies
Posts: 2,720
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Re: How's your YTD
Not YTD, but one year returns 11/30/04 - 11/30/05 Vanguard says is 9.8%. I used to doubt Vanguard's number but am gaining confidence in it. One of these days I'll do the math myself and be sure.
Spanky, does Vanguard's site give you YTD? I can't find it, but I could've sworn I've seen it before.
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12-22-2005, 08:18 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jun 2005
Posts: 2,610
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Re: How's your YTD
Of the 4 portfolios I've managed for the full 12 months all have met or exceeded the minimum goal of S&P plus 5%.
My very actively managed portfolio has a good shot at 15% not counting income from I-Bonds which equal 9% of total.
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12-22-2005, 08:52 PM
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#6
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Recycles dryer sheets
Join Date: Jul 2002
Posts: 422
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Re: How's your YTD
13.5% return : Stock: VEIPX/BRSIX/VTRIX/VWO Bond: PFUIX/PEBIX/TIP Other: VNQ/PCRIX/VGPMX
10% in each fund.
40% global stock, 30% FI, 30% Other (incl. Reits, commo., PM/mining equity)
Cheers!
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12-22-2005, 09:07 PM
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#7
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,708
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Re: How's your YTD
24% (all REITs)
__________________
learn, work, save, invest, fire
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12-22-2005, 09:16 PM
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#8
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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Re: How's your YTD
Quote:
Originally Posted by BigMoneyJim
Not YTD, but one year returns 11/30/04 - 11/30/05 Vanguard says is 9.8%. I used to doubt Vanguard's number but am gaining confidence in it. One of these days I'll do the math myself and be sure.
Spanky, does Vanguard's site give you YTD? I can't find it, but I could've sworn I've seen it before.
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Yes, YTD is available in the Personal Invstors homepage. You can change the list by following the "My Fund Watch List" link.
Here is the link for all their funds: http://flagship5.vanguard.com/VGApp/hnw/FundsByType
__________________
May we live in peace and harmony and be free from all human sufferings.
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12-22-2005, 09:47 PM
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#9
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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Re: How's your YTD
I notice that the holdings of Vanguard STAR Fund (VGSTX) are very similar to that of the slice and dice portfolio and returns the same YTD as of 10/22/05. It seems much simpler just to hold a single fund instead of so many.
__________________
May we live in peace and harmony and be free from all human sufferings.
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12-23-2005, 05:04 AM
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#10
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Thinks s/he gets paid by the post
Join Date: Jul 2004
Posts: 1,428
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Re: How's your YTD
9.1%
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12-23-2005, 06:38 AM
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#11
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Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,711
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Re: How's your YTD
Lessee, here's how my various accounts have fared over the past year...
401k with Boeing: +29.9%
401k with Fidelity: +8.7%
401k with Schwab: +11.5%
Scottrade account: +11%
American Century account: +8.7%
Janus account: +11.6%
Janus Roth IRA: +12.4%
So I'm not complaining too much! 8)
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12-23-2005, 06:46 AM
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#12
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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Re: How's your YTD
Wow, it seems that most of the posted returns beat that of the S&P500 (6.4%). You guys are good. Hmmm, may be we should have a different benchmark - the ER forum benchmark comprised of a multi-asset portfolio.
__________________
May we live in peace and harmony and be free from all human sufferings.
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12-23-2005, 07:35 AM
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#13
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Thinks s/he gets paid by the post
Join Date: Oct 2005
Posts: 2,203
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Re: How's your YTD
70% in JHancock 401k -18.9%
30% Vanguard Roth -
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12-23-2005, 07:36 AM
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#14
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Thinks s/he gets paid by the post
Join Date: Oct 2005
Posts: 2,203
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Re: How's your YTD
70% in JHancock 401k -18.9%
30% Vanguard Roth - * 17
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12-23-2005, 07:49 AM
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#15
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Thinks s/he gets paid by the post
Join Date: Feb 2003
Location: Nomadic in the Rockies
Posts: 2,720
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Re: How's your YTD
More like the ER Forum Benchmark of Those Who Did Well This Year. Either we're all great or we get quiet when we underperform.
I'm surprised at my performance this year and decided to use Spanky's Vanguard watchlist tip to figure out why:
Allocation | YTD | Adjusted YTD | Fund
----------- -------- ------------- -----------------------------------------
49.2% 6.54% 3.22% VSMGX LifeStrategy Mod Growth
23.2% 7.54% 1.75% VWELX Wellington
11.9% 12.78% 1.52% VGSIX REIT Index
7.1% - - Cash / MM (insignificant return)
4.5% 11.51% 0.52% VEXMX Extended Mkt Index Inv
4.1% 15.87% 0.65% VGTSX Total Int'l Stock Index
--------
7.66%
Erm, I'm missing something there. My distributions and gains are 9.4% of last year's balance plus this year's contributions, so I would expect my return to be at least 9.4%. (Vanguard says it's 9.8% year-over-year, not YTD though.) I used to think I was good at math, but I can't seem to make sense of ROI lately. The above number is what my current allocation of funds performed YTD; my personal rate should be somewhat different based on a rebalance and new contributions, but I didn't expect it to be that far off.
I'll play with the numbers a bit and edit this if I find something obvious.
EDIT: The difference must be December 2004 as that is included in my 9.4/9.6% numbers and not included in the table in this post. Periodic contributions affect the numbers, too, and I think I reallocated in ealry 2005 (but it may have been 2004...time has flown lately).
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12-23-2005, 07:53 AM
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#16
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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Re: How's your YTD
A little over 10% in portfolio appreciation coupled with about 3% paid dividends, most of which are qualified.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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12-23-2005, 08:00 AM
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#17
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Full time employment: Posting here.
Join Date: Apr 2005
Posts: 577
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Re: How's your YTD
10.9 as of the end of November.
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12-23-2005, 09:26 AM
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#18
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Recycles dryer sheets
Join Date: Jan 2005
Posts: 362
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Re: How's your YTD
11.02% My international and energy funds were the big winners.
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12-23-2005, 10:34 AM
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#19
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Moderator Emeritus
Join Date: Dec 2002
Location: Oahu
Posts: 26,856
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Re: How's your YTD
Up 15.8% as of 22 Dec.
Thank you, Paine Webber Tweedy Browne!
__________________
*
Co-author (with my daughter) of “Raising Your Money-Savvy Family For Next Generation Financial Independence.”
Author of the book written on E-R.org: "The Military Guide to Financial Independence and Retirement."
I don't spend much time here— please send a PM.
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12-23-2005, 12:03 PM
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#20
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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Re: How's your YTD
As of yesterday, 10.3% as calculated by MS Money. Includes cash, funds, stocks, options, everything.
More importantly, our brokerage account did better than our mutual funds, so now maybe I can get the wife to invest some of her IRA money that's been sitting in a money market fund for the last 5 years.
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