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View Poll Results: What percentage are you down so far?
Down 0% to -10% 107 33.86%
Down -11% to -20% 155 49.05%
Down -21% to -30% 50 15.82%
Down -31% or higher 4 1.27%
Voters: 316. You may not vote on this poll

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Old 04-11-2020, 06:08 AM   #181
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-6.74%.... 50/50 (target going into this downturn)…. -14.74%/1.63% YTD
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Old 04-11-2020, 06:13 AM   #182
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My stock/bond portion is down 14%, my networth* is down 9.6%.
I did sell some Funds early in the Covid scare (2-28) and bought back (3-25). I bought back 17% cheaper than I sold, (tax deferred accounts), only the future will say if I bought back to early, it was still a good move though and lucky!



* I have never included my home in networth.
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Old 04-11-2020, 06:40 AM   #183
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-19.22% mostly because we are heavily weighted in ATT stock and a couple of oil refiner stocks. Oh well, we'll collect the dividends currently varying from 6.77% to 21% and keep on keeping on.

The 21% dividend stock is currently less than 10% of our holdings so if it doesn't pan out long term it is not a huge issue. I consider it my gambling play.
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Old 04-11-2020, 06:46 AM   #184
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down 2% YTD. Up 4 % for the last 12 month period.

I vary my AA between 25% and 35%.
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Old 04-11-2020, 07:53 AM   #185
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down 2% YTD. Up 4 % for the last 12 month period.

I vary my AA between 25% and 35%.
I just made a new XIRR spreadsheet to look at the last 12 months. Down 1.9% YTD, up 11% last 12 months. AA around 95% with some out and in action late February and late March.

What really stood out was that 2019 market performance was distorted because of the big drop from October to late December followed by a recovery that was complete in March. The year end gains in 2019 were distorted by the fact that we started down so much.
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Old 04-11-2020, 09:15 AM   #186
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Short term outperformance of stock indexes can unfortunately provide a false sense of comfort that assumes having a low equity position is the right away to invest.



If one has a long term time horizon and wants /needs growth having high equity exposure will put you in a much better position of achieving those goals. The volatility you experience is the emotional price you pay for excellent long term returns.



"The stock market is a device for transferring money from the impatient to the patient." - Warren Buffett
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Old 04-11-2020, 09:17 AM   #187
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We're down 12% YTD. Our AA is 100% equities and mutual funds. No bonds. We've only ever lost money on bonds.
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Old 04-11-2020, 09:29 AM   #188
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Up 6% YTD with 30/20/50
Good for you. I am up 10% based on 1st quarter returns with 100% treasuries (mainly VUSUX). However, the poll at the beginning of this thread only counts percentage down and not percentage up like you and me.

BTW...I have a system of returning to my 60/40 portfolio in 10% increments before I had re-allocated to 100% treasuries last year after the yield curve inverted:

10% decline=10% equities, 30% decline=30% equities. etc. Since the market was down 32% a few weeks ago, I am now 30/70 with 70% treasuries and 30% equities that were purchased in 10% increments of my portfolio at the 10%, 20% 30% market decline. There is no guessing when the bottom will be.
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Old 04-11-2020, 10:25 AM   #189
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Up 6% YTD with 30/20/50
Wow Perryinva, good job there--what are you invested in?
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Old 04-11-2020, 10:45 AM   #190
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Ytd -31.64% 86/13/1 aa
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Old 04-11-2020, 10:54 AM   #191
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Originally Posted by FREE866 View Post
Short term outperformance of stock indexes can unfortunately provide a false sense of comfort that assumes having a low equity position is the right away to invest.



If one has a long term time horizon and wants /needs growth having high equity exposure will put you in a much better position of achieving those goals. The volatility you experience is the emotional price you pay for excellent long term returns.



"The stock market is a device for transferring money from the impatient to the patient." - Warren Buffett

as you say, it depends on wants and needs, and that goes to appropriate time horizons, all of which influence one's risk tolerance. I don't "need" to maximize growth, as much as I "need" to minimize the risk to my nest egg. My earning days are over, my timeline relatively short. A big drop, and a 10 year recovery would severely alter my retirement plans.
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Old 04-11-2020, 12:07 PM   #192
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Old 04-11-2020, 12:14 PM   #193
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I answered the poll earlier because I was sure of the band we were in, but just calculated it:

-2.1%
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Old 04-11-2020, 04:00 PM   #194
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2020

Net Worth down 8% YTD. If it stops there I am happy.
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Old 04-11-2020, 05:35 PM   #195
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Currently down an even 10% on a nominal 50/50 AA (allowed it to drift up to 52/48 in mid-February - now down to 46/54).

Time for you all to enjoy some schadenfreude - my losses would be less but about 2% of my NW was in the now universally despised Boeing stock. (now down to about 1.2% of my NW). If I'd been smart enough to unload the BA last summer I'd only be down about 8.5%. Oh well.
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Old 04-11-2020, 05:56 PM   #196
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I was at about 7/20/73 already on 2/19, with equities only in FOCPX & FFNOX. At about Dow 25000 I started back in too soon, with mainly more FOCPX bought incrementally through DOW 19000, and utility stocks favorites I follow and trade regularly, DUK & D at their near bottoms (D@63 & DUK @73). Bought in roughly $560k total. I sold both utilities on Thursday. Wish I had bought a lot more but I really thought more drops to come.
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Old 04-11-2020, 06:38 PM   #197
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Currently down an even 10% on a nominal 50/50 AA (allowed it to drift up to 52/48 in mid-February - now down to 46/54).

Time for you all to enjoy some schadenfreude - my losses would be less but about 2% of my NW was in the now universally despised Boeing stock. (now down to about 1.2% of my NW). If I'd been smart enough to unload the BA last summer I'd only be down about 8.5%. Oh well.
well, as far as the Boeing stock, people often say "if you get out, when will you get back in?" but far less often ask "if you get in, when will you get out?"
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Old 04-11-2020, 06:42 PM   #198
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Break even year to date. My stock allocation has been very low since mid 2018 at which point I started adding gold, which has been helpful.
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Old 04-11-2020, 09:08 PM   #199
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I was down about as much as the market having AA of 90/0/10. With the bounce last week though I'm now at -10% YTD.
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Old 04-11-2020, 09:48 PM   #200
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Yeah, I made a couple hundred grand too!
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