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Tough Qtr - Who Lost the Most/Least on pure returns?
Old 07-05-2022, 07:21 AM   #1
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Tough Qtr - Who Lost the Most/Least on pure returns?

I'm not worried in the least, comes with the territory if you're in for the long term.

We lost 8.4% in Q2 on pure returns (excluding deposits, withdrawals, etc. - which wouldn't provide a meaningful comparison).

I assume some did better, some did worse. Those with less risk did better as always...
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Old 07-05-2022, 08:03 AM   #2
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No idea; down ~ 3% on the year for what that matters. I don't normally follow historical results.

edit - that 3% is since the end of 2020 which was the last time I saved any history. No idea where we are YTD or QTD
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Old 07-05-2022, 08:11 AM   #3
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YTD 6/30 I was up 0.12%. Energy investments offset other. It was higher through the year, but softness in energy brought the numbers down.
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Old 07-05-2022, 02:02 PM   #4
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YTD 6/30 I was up 0.12%. Energy investments offset other. It was higher through the year, but softness in energy brought the numbers down.
You are going to give everyone an inferiority complex
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Old 07-05-2022, 02:14 PM   #5
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You are going to give everyone an inferiority complex
Depends. My VG energy fund is up 1/2% over the last 10 years. My Total Stock Market Fund is up 12 1/2% over the last 10 years. Even my bond funds are ahead of Energy.
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Old 07-05-2022, 02:21 PM   #6
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As of today I'm up 3.8%.

There's another poster who I don't recall his name who fared better than me.

That's YTD numbers.
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Old 07-05-2022, 02:29 PM   #7
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You are going to give everyone an inferiority complex
Well, after today's action in the market with energy stocks, I may not post in this thread for a while.
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Old 07-05-2022, 03:32 PM   #8
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...We lost 8.4% in Q2 on pure returns (excluding deposits, withdrawals, etc. - which wouldn't provide a meaningful comparison). ...
-3.42% for 2Q22 for us.
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Old 07-05-2022, 04:01 PM   #9
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Quicken says -50.21%, but thankfully that's annualized. It appears to be about 16ish% for the quarter. I'm essentially 98% VTSAX. What's my prize?
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Old 07-05-2022, 04:09 PM   #10
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Quicken says -50.21%, but thankfully that's annualized. It appears to be about 16ish% for the quarter. I'm essentially 98% VTSAX. What's my prize?
Prize? You can use the remaining 2% to buy more VTSAX at a reduced price!
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Old 07-05-2022, 04:31 PM   #11
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Prize? You can use the remaining 2% to buy more VTSAX at a reduced price!
Heh, I probably should do so. My spreadsheet dashboard is telling me to rebalance, although I'm not off by much in absolute terms.
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Old 07-05-2022, 04:56 PM   #12
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I think I'm -10% for the quarter, following -2.7% 1Q2022. I say "I think" because I don't do much tracking of historical performance, but I think what I do track gives me the right info.
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Old 07-05-2022, 05:07 PM   #13
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We're up bit YTD, not much. I'm counting the bonds at the held to maturity value. No bond funds. Funds - dividend stock and stable value; individual TIPS, Treasuries and CDs.
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Old 07-05-2022, 07:35 PM   #14
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I'm down 18.85% YTD but I have no plans to rebalance. Did that.
86% SCHB
10% cash / 1 bond / 4 CDs
4% individual stocks

I'm trying to get to 80% stocks / 20% cash or bonds
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Old 07-05-2022, 07:51 PM   #15
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Quicken says -50.21%, but thankfully that's annualized. It appears to be about 16ish% for the quarter. I'm essentially 98% VTSAX. What's my prize?
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Heh, I probably should do so. My spreadsheet dashboard is telling me to rebalance, although I'm not off by much in absolute terms.

Hmmm... How does a guy who is 98% in stock AA rebalance?

Say, out of $1,000,000 you have $980,000 in stocks, and $20,000 in cash or whatever.

Stocks go down -16% to $823,200. Let's assume the $20,000 stays the same.

Then, the total balance is $843,200. To bring the stock AA to 98%, you need $826,336 in stock. It means buying $3,136 in stock.

The rebalance amount is $3,136 for each $1 million. That's very small.

On the other hand, if you are 50% in stock, the amount to rebalance into stock will be $40,000 for each $1M.
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Old 07-05-2022, 08:07 PM   #16
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Hmmm... How does a guy who is 98% in stock AA rebalance?

Say, out of $1,000,000 you have $980,000 in stocks, and $20,000 in cash or whatever.

Stocks go down -16% to $823,200. Let's assume the $20,000 stays the same.

Then, the total balance is $843,200. To bring the stock AA to 98%, you need $826,336 in stock. It means buying $3,136 in stock.

The rebalance amount is $3,136 for each $1 million. That's very small.

On the other hand, if you are 50% in stock, the amount to rebalance into stock will be $40,000 for each $1M.
The short answer in my case is not very often. When I do, it is small amounts (as your math shows). It is therefore of very little real world consequence.

I do it more for my own amusement and occasionally to feel mildly productive when I have nothing better to do.
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Old 07-07-2022, 01:52 PM   #17
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-12.7% in Q2.

45% Large Cap
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Old 07-07-2022, 04:56 PM   #18
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I just look at our YTD performance.
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