Join Early Retirement Today
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

Reply
 
Thread Tools Search this Thread Display Modes
Old 03-28-2020, 07:56 AM   #21
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
OldShooter's Avatar
 
Join Date: Mar 2017
Location: City
Posts: 8,702
I don't know and I don't care. When things calm down I will probably check. Why do something I know will be unpleasant when I know I will be taking no action anyway?
OldShooter is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 03-28-2020, 08:03 AM   #22
Thinks s/he gets paid by the post
Rianne's Avatar
 
Join Date: Aug 2017
Location: Champaign
Posts: 3,909
Up, down give or take $60K here and there. Got taxes out of the way! Self employment taxes killing us.


Apologize, I know this sounds flip ^^. I stopped evaluating YTD, day to day and since all time high/low. I'm looking at 3 yr., 5 yr portfolio performance. These fluctuations are so massive from day to day, I just don't see the point.
__________________
"Do not go where the path may lead, go instead where there is no path and leave a trail."

Ralph Waldo Emerson
Rianne is offline   Reply With Quote
Old 03-28-2020, 08:27 AM   #23
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,689
Down 28% YTD on 100% stock portfolio. Looking forward to quarterly 'excess dividend' purchase next Wednesday. About $15K this time (bigger than normal, got back $$$ for cancelled cruises and airline tickets).

From my peak mid-Feb to my low (so far) last Monday I was down 49%.
__________________
learn, work, save, invest, fire
CyclingInvestor is offline   Reply With Quote
Old 03-28-2020, 08:33 AM   #24
Moderator
braumeister's Avatar
 
Join Date: Feb 2010
Location: Flyover country
Posts: 21,703
Down 10.5% so far, and my nominally 50/50 is down to 43/57.
__________________
I thought growing old would take longer.
braumeister is offline   Reply With Quote
Old 03-28-2020, 08:37 AM   #25
Recycles dryer sheets
 
Join Date: Jan 2012
Posts: 401
-16% with 70/25/5 AA
Rickt is offline   Reply With Quote
Old 03-28-2020, 08:43 AM   #26
gone traveling
 
Join Date: Sep 2018
Location: Washington, DC
Posts: 575
according to Fidelity, returns are:
1-Yr - +8.87%
YTD - (-11.87%)
Tiger8693 is offline   Reply With Quote
Old 03-28-2020, 08:49 AM   #27
Recycles dryer sheets
 
Join Date: Feb 2012
Location: vinton
Posts: 126
Down around 14% since this started. Some funds (S&P 500) funds hit hard. My AA is about 45% stock, 55% bonds.
mckittri2000 is offline   Reply With Quote
Old 03-28-2020, 08:52 AM   #28
Full time employment: Posting here.
ESRwannabe's Avatar
 
Join Date: Mar 2010
Posts: 869
Quote:
Originally Posted by REWahoo View Post
I'm confused, which is nothing unusual. If you are only including your "taxable account" in your numbers that really isn't telling us "what percentage you are down so far."

What is your YTD performance for your total portfolio?

FWIW, I'm at -7.7% YTD, and that number includes all our investable assets.

So the reason I don't count in the 401k/Roth is because that money is essentially useless to me. I don't pay any attention to my 401k/Roth IRA because I also have a pension (18+ years vested so far). By the time I can touch the 401k/Roth I'll also be able to take payments from the pension. The pension alone will be able to cover my retirement when I am 60+. So my 401k/Roth are irrelevant. I still max them out (401k up to match and max out the Roth), but I'll probably just end up donating all that money.

The pension alone will pay more money than I actually spend. The pension will pay more than 50% of my income and I live off of less than 50% of my income now. My w-2 income is $73k and I live off around $30k. My taxable account dividends are $29k now, plus whatever I make in capital gains. The other year I made close to around $100k in short term capital gains. That was painful at tax time.

I only pay attention to my taxable account because I might actually use it. I'm 43. If I do retire early it will be entirely off of the taxable account. I won't touch the 401k/Roth and when I am 60+ I'll have the pension.

During this crisis I haven't looked at my 401k/Roth. I go years without looking at them. The 401k is invested in a global balanced fund using indexs. My Roth IRA is in Vanguard's Managed Payout fund which is being renamed at some point (I have forgotten now what they are going to call it).
ESRwannabe is offline   Reply With Quote
Old 03-28-2020, 08:59 AM   #29
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
DFW_M5's Avatar
 
Join Date: Sep 2003
Location: DFW
Posts: 7,055
Quote:
Originally Posted by braumeister View Post
Down 10.5% so far, and my nominally 50/50 is down to 43/57.
I seem to be tracking you closely. Also - 10.5%
Not sure this is good or bad
__________________
Doing things today that others won't, to do things tomorrow that others can't. Of course I'm referring to workouts, not robbing banks.
DFW_M5 is offline   Reply With Quote
Old 03-28-2020, 08:59 AM   #30
Full time employment: Posting here.
Taxman59's Avatar
 
Join Date: Sep 2014
Posts: 635
Down 17% from the high. I raised cash just before a cruise in early Feb (I was out of contact and wanted to get rid of most individual stocks). That was about 8% and amounts to 18 months of spending (not allowing for any reductions in our burn rate). I guess I was lucky on the timing.
Currently about 65% equities, 12% cash, 25% bonds.
Taxman59 is offline   Reply With Quote
Old 03-28-2020, 08:59 AM   #31
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 49,012
Quote:
Originally Posted by ESRwannabe View Post
So the reason I don't count in the 401k/Roth is because that money is essentially useless to me.
Send it to me, I'll even pick up the wire transfer charges.
__________________
Numbers is hard

The key to understanding human behavior is realizing half the population is below average.
REWahoo is offline   Reply With Quote
Old 03-28-2020, 09:07 AM   #32
Administrator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Land of Florida Man
Posts: 37,338
What a crazy couple of weeks. I’ve never seen fixed income lose so much or gain so much in such a short period of time.
MichaelB is online now   Reply With Quote
What percentage are you down so far?
Old 03-28-2020, 09:24 AM   #33
Recycles dryer sheets
 
Join Date: May 2010
Posts: 489
What percentage are you down so far?

Up 2.5% following the ‘permanent portfolio’ strategy of 25% each stocks, gold, long bonds and cash.

But stocks are still slightly ahead over 10 years. I just have low volatility.
captain3d is offline   Reply With Quote
Old 03-28-2020, 09:26 AM   #34
Thinks s/he gets paid by the post
 
Join Date: Feb 2007
Posts: 2,471
Down 7.5% YTD (all investable assets) on a nominal 50/50 - currently 46/54 but still within my wide rebalance band.
ejman is online now   Reply With Quote
Old 03-28-2020, 09:27 AM   #35
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
ls99's Avatar
 
Join Date: May 2008
Posts: 5,976
Don't know. Will check sometime June or July.
__________________
There must be moderation in everything, including moderation.
ls99 is offline   Reply With Quote
Old 03-28-2020, 09:36 AM   #36
Thinks s/he gets paid by the post
 
Join Date: May 2019
Posts: 1,155
I didn't calculate a percentage, but on Monday, I calculated that I was down about 5 years of retirement spending, despite a conservative AA.

After a temporary pop this week, I'm probably down about 4 years of retirement spending.
GenXguy is offline   Reply With Quote
Old 03-28-2020, 09:41 AM   #37
Full time employment: Posting here.
ESRwannabe's Avatar
 
Join Date: Mar 2010
Posts: 869
Quote:
Originally Posted by REWahoo View Post
Send it to me, I'll even pick up the wire transfer charges.

I figured someone would offer to make that sacrifice.

I shouldn't say its completely useless. Its part of my sleep-well-at-night and no-job-stress assets.

I'm really not sure if I will even use the taxable account money. If my employer will continue giving me the option to work from home after this crisis, I could see myself working another 17 years or more.

My job is pretty cool because I get paid to work on expensive IT infrastructure which is something I would want to tinker with as a hobby if it wasn't my job. Basically I have a multi-million dollar "lab" to play with.

The pension eliminated my saving for retirement stress from day one. The taxable savings have eliminated my work stress as the assets have grown in size. The only downside to work now is annoying things, like why do I have to work in the office every day when the work I do at the office that day is on stuff that is remotely located in Amazon Web Services a couple of states away?
ESRwannabe is offline   Reply With Quote
Old 03-28-2020, 09:45 AM   #38
Thinks s/he gets paid by the post
 
Join Date: Mar 2009
Posts: 2,754
Down less than 10%. It is tough to figure since I have no faith in the high market values Fido is assigning to my brokered CD's. Since CDs represent about half my portfolio i just use the par value. Anyway I always keep them to maturity.
__________________
Took SS at 62 and hope I live long enough to regret the decision.
foxfirev5 is offline   Reply With Quote
Old 03-28-2020, 09:45 AM   #39
Thinks s/he gets paid by the post
jollystomper's Avatar
 
Join Date: Apr 2012
Posts: 4,757
As of Friday down about 9%. Started the year roughly 35/42/23, and took out about 1% from the stock allocation in January to "celebrate" last years gains, and I have not spend that entirely. Still, with a pension buffer, a lot of cash, and a low SWR, I am fortunate.
__________________
FIREd date: June 26, 2018 - "This Happy Feeling, Going Round and Round!" (GQ)
jollystomper is offline   Reply With Quote
Old 03-28-2020, 09:50 AM   #40
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 49,012
Quote:
Originally Posted by ESRwannabe View Post
The only downside to work now is annoying things, like why do I have to work in the office every day when the work I do at the office that day is on stuff that is remotely located in Amazon Web Services a couple of states away?
Ah, the BS bucket is beginning to fill...
__________________
Numbers is hard

The key to understanding human behavior is realizing half the population is below average.
REWahoo is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
S&P down about 3.5% so far, time to buy yet? dvalley Active Investing, Market Strategies & Alternative Assets 57 06-17-2019 10:00 AM
43 and living life in NY & FL - Am I close to FIRE or far far away? beeboy Hi, I am... 55 05-23-2019 05:25 PM
How Far Down Do You See? easysurfer Health and Early Retirement 25 05-23-2019 11:14 AM
How far will you ride the market down ? Moemg FIRE and Money 179 03-25-2009 09:32 AM

» Quick Links

 
All times are GMT -6. The time now is 01:00 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.