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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 03-28-2020, 09:44 PM   #61
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-12.7% at 57/43 (now about 50/50). Thanks for asking, made me do the math and not as bad as I thought.
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Old 03-28-2020, 10:16 PM   #62
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-13.21%.

Interesting that decline in prices are only a little more than last year’s appreciation. But I’ve still got the income of about 3% so am actually ahead since 1/1/2019, not including any spending or savings.

Maybe it’s not too late to sell. This is starting to make the Depression look like a tea party.
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Old 03-29-2020, 03:00 AM   #63
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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.
That is pretty cool to see in this environment.

This is sort of the "Prepper's Portfolio". Good for times of economic growth and contraction, inflation and deflation.
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Old 03-29-2020, 03:50 PM   #64
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I never look anymore. Havn't really looked in years. Definitely have more cash than I should, and this downturn is why. But it will pass.
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Old 03-29-2020, 04:00 PM   #65
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I have no idea.

I purposely don't check balances after market corrections. It has served me well over the years. When we start to get near a prior high again, I will resume checking.

FWIW I went to 45/55 AA last May to try to implement the Inverse Glidepath strategy to try to mitigate sequence of returns risk now that DW has fully retired Jan 2019.

-gauss
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Old 03-29-2020, 04:02 PM   #66
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About ~ -15% at this moment. No idea how anyone could know to three significant figures like 14.4%
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Old 03-29-2020, 04:58 PM   #67
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Down a smidge over 12% YTD.
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Old 03-29-2020, 05:32 PM   #68
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It’d be nice if the poll didn’t assume everyone is down.
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Old 03-29-2020, 05:37 PM   #69
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It’d be nice if the poll didn’t assume everyone is down.
Unfortunately I don't see a way to edit the poll to change it. If there is a way to change it I'll add that as an option.
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Old 03-29-2020, 06:43 PM   #70
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While it changes every day, when I last checked it near the end of last week I was down around 21% for the year. However, I have had some large expenditures unrelated to COVID-19, such as paying a fairly large tax bill from liquidating a stock fund at the end of December at a big gain. Another expense involves an amount I expect to recover later this year.
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Old 03-29-2020, 07:03 PM   #71
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Down 14 % on portfolio that started the year 62:38. Went down to 55:45 and then last week I made a shift from equities to bonds in my retirement account and am now at 45:55. I learned my risk tolerance is not as high as I thought it was.
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Old 03-29-2020, 07:31 PM   #72
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as of EOB on friday 3/27 our net worth was down a bit more than 9% as compared to the end of 2019.
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Old 03-29-2020, 07:56 PM   #73
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About ~ -15% at this moment. No idea how anyone could know to three significant figures like 14.4%

Here is how I do it.



Quote:
Originally Posted by Clone View Post
I wanted to share the screenshots that show how to use the XIRR function in excel. This is an easy way to track the additions or withdrawals from your investment accounts, and then let excel calculate the performance number. The beginning date and balance is where things are at the 1st of the year. The ending date should be the 31st of December, and the ending balance is whatever the current balance of your accounts are.

You would need click on the link above, or go to the 2020 Performance thread, post #6. In a couple days I will update the XIRR calculation. Basically, I look at the HSA account to see if we have billed any meds against it, put in any additions or withdrawals, then update the month end balance.
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Old 03-29-2020, 08:34 PM   #74
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Up 2.45% on a 10/90 portfolio. I daytrade and have been profitable YTD. Slowly selling puts and accumulating positions. Goal is 35/65.
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Old 03-29-2020, 09:00 PM   #75
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Last I checked approx 15% in my self managed acct mostly index funds and 25% in my “managed” acct meaning broker picks and makes recommendations.
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Old 03-30-2020, 07:53 AM   #76
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FWIW I went to 45/55 AA last May to try to implement the Inverse Glidepath strategy to try to mitigate sequence of returns risk now that DW has fully retired Jan 2019.
Aw, come on, take a peek. See if you were successful, or not. After all, we are in one of those sequence of return times right now.
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Old 03-31-2020, 03:44 PM   #77
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Is the rate of return over a CD ladder really worth the grief of riding the roller coaster?

Watching my dad suffer through the 70s bear market cured me of buy and hold.
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Old 03-31-2020, 03:52 PM   #78
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down 16% YTD and down 19.5% from the peak (Feb 20).
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Old 03-31-2020, 03:55 PM   #79
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Is the rate of return over a CD ladder really worth the grief of riding the roller coaster?

Watching my dad suffer through the 70s bear market cured me of buy and hold.
Nobody can answer that question for everybody. It all has to do with each person's need, willingness and ability to take risk. For some of us, it's not grief to ride the roller coaster because we have a pretty firm belief of what's on the other side. But it's definitely not for everybody.
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Old 03-31-2020, 03:59 PM   #80
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I am approximately +5 to +10% due to treasuries such as VUSUX. Treasuries are the only asset class that rises during a bear market due to the flight to quality.

I reallocated from 60/40 AA to 100% treasuries in Summer 2019 because (1) The yield curve inverted, (2) Jeffery Gundlach recommended that 2019 should be an asset preservation year, (3) I never believed a bull market last forever, (4) It was my retirement objective to avoid the next bear market which can make a HUGE difference in your portfolio.

I am now slowly buying equities at depressed prices to restore my 60/40 AA so I expect my portfolio to be approximately +30% after the recovery when a typical passive investor will be back at 0%.

Kenny Rogers (RIP) stated in his song the Gambler: you have to know when to hold them, know when to fold them and know when to walk away. I decided to walk away after a record breaking bull market.

This is my best bear market ever.
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