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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 04-01-2020, 08:10 AM   #121
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I'll state it bluntly, the run-up since the start of the last half of 2019 was more than 15% total return, so that softened the blow, too. As reported by folks in this thread, many have not lost 15% yet.
I was up about 10% TR in that period with a balanced mix (55-60% stocks).
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Old 04-01-2020, 08:18 AM   #122
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Down 24% YTD. This downturn finally gave me the opportunity to tax harvest and get out of a bunch of individual stocks I wanted out of for awhile in my taxable account, so going forward I will be much better allocated. Also took my taxable/tax free from 70/30 to 60/40, so it was a hit but feeling good about the long term.
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Old 04-01-2020, 08:48 AM   #123
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Stocks down about 25%.

Overall net worth hard to say, but guessing about 6% overall down from high water mark.

Although that includes additional income / contributions since the high water mark, so I'm probably down a bit more since then.
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Old 04-01-2020, 08:54 AM   #124
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Up slightly with 1 January balance for retirement funds, and that includes taking out 6 months of cash this year transferred to credit union.
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Old 04-01-2020, 09:04 AM   #125
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Originally Posted by LOL! View Post
I'll state it bluntly, the run-up since the start of the last half of 2019 was more than 15% total return, so that softened the blow, too. As reported by folks in this thread, many have not lost 15% yet.
I just checked, and that was the case for me. It feels a lot better to know that I am only down 3.3% since July 1st.

It was fun watching that run-up, until it started dropping instead.
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Old 04-01-2020, 09:33 AM   #126
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With a 40/40/20 AA, I'm down 7.9% for the first quarter.
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Old 04-01-2020, 10:04 AM   #127
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At one point in March, I was down 22%. Now, I am down 14%. Some of that (2%) is due to some large, non-recurring expenses, some of which I will get back later in the year.


Overall AA is 34/64/2.


I am back to where I was at the end of 2018 during that short dip. I am also back to where I was in early 2017 when the markets were rising quickly.
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Old 04-01-2020, 10:20 AM   #128
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down 14% YTD on a 60/40 AA

Tangible NW down 9.8%
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Old 04-01-2020, 10:23 AM   #129
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I noticed your poll does not include people who are currently up +5% to +10% such as myself...because I reallocated from 60/40 to 100% treasuries in 2019 per my comment #80.

Is it possible to add a line for this? There may also be people who was 100% cash which is 0%. I suggest adding this to your poll to be all inclusive.
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Old 04-01-2020, 10:27 AM   #130
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I noticed your poll does not include people who are currently up +5% to +10% such as myself...because I reallocated from 60/40 to 100% treasuries in 2019 per my comment #80.

Is it possible to add a line for this? There may also be people who was 100% cash which is 0%. I suggest adding this to your poll to be all inclusive.
I think you'll find most people are using the other thread:
2020 Investment Performance Thread
which allows for any performance metric.
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Old 04-01-2020, 10:55 AM   #131
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can anyone ELI5 how you're calculating this?
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Old 04-01-2020, 10:57 AM   #132
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Down 6.8% YTD in net worth, and down 4% for 12 months.
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Old 04-01-2020, 11:05 AM   #133
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AA is 64/14/22 and down 14% YTD
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Old 04-01-2020, 11:32 AM   #134
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AA for my TSP was 80% C fund, 10% G fund, 10% Small cap.

Personal Investment Performance (PIP) for the past 12 months ending 02/29/2020 is 5.08%.

It will be a couple of days before I have March performance published but I am positive it will be negative territory.
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Old 04-01-2020, 12:23 PM   #135
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Down 9.51% YTD as of 3/24/2020. 50% in equities.
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Old 04-01-2020, 12:33 PM   #136
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Have you fact-checked what he said about "gradually reducing stock exposure"? Did he miss that great run-up in last half of 2019?

My point is that sales reps are pretty good at mind games.
No mind games. I wouldn't exactly put Fidelity, Vanguard or like companies in the class of the Bernie Maydoff's of the world when it comes to transparency. I'm aware of everything that's done in my portfolios. I watch it carefully and I'm informed of every buy and sell and the methodologies used. At 71 I need to be a little more conservative with my investing than I was back when I was younger. With all the market corrections and crashes I've been through including the most recent caused by the pandemic, I'm still averaging almost 7% year after year and I'm perfectly happy with that.
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Old 04-01-2020, 12:39 PM   #137
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If you want to make yourself feel good, calculate your 5 year return or look at your net worth increase over that same time period. I am up an average of 12% - including this year. That’s remarkable no matter how you look at it. Makes staying the course a bit easier in these times.
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Old 04-01-2020, 12:42 PM   #138
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can anyone ELI5 how you're calculating this?


Here is a post that I made on the 2020 performance thread that shows how to use the XIRR function in excel. Basically, you need your beginning balance, any additions or withdrawals, and your ending balance.


The following post has links to the moneychimp website which some folks use.
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Old 04-01-2020, 05:31 PM   #139
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I canít look.
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Old 04-01-2020, 05:50 PM   #140
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Down 29% from the high.
Down 26% YTD.


I read today that even a 60/40 portfolio is down more than 20% from the high , yet 80% of the people on this board have done better than that according to the poll. .

I didn't know 80% of you had portfolios more conservative than 60/40. Interesting.
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