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 Display Modes
What percentage are you down so far?
Old 03-28-2020, 02:16 AM   #1
Full time employment: Posting here.
ESRwannabe's Avatar
 
Join Date: Mar 2010
Posts: 889
What percentage are you down so far?

Just curious how other people are doing. I just did some calculations and I am pleased with how I have done so far. I have 100% stock portfolio (this is just looking at my taxable account). I did some trading around the last few weeks and was able to improve my position.

On a YTD basis I am down -19.74%.

If I had just stuck with the assets I had going into the down turn and not done any trading I would be down -27.47%.

As a comparison the Vanguard Total World Stock Index is down -23.42% YTD.

I haven't had a chance to add any new money into my investments yet. I've been setting excess money aside to pay for 2019 taxes. I'm looking forward to finally being able to add some new money in at the end of this month. If the stock market behaves like it did after 2008, I should be able to contribute a lot of new money in at depressed prices over the next few years.

If the stock market stays low, then I think I will be able to increase my investments enough to FIRE once we come out of this. My taxable account div income is now $29k based on 2019 payouts.

P.S. I have confirmed that I love working from home. This is the first time I have gotten to work from home for more than a day or two in a row. I could see myself continuing to work full time for many years (I'm 43) if employers will lighten up on their micromanagement butts-in-seats mentality and let me continue working from home.
ESRwannabe 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!

Damage This Year
Old 03-28-2020, 03:39 AM   #2
Recycles dryer sheets
 
Join Date: Jul 2017
Location: WHARTON
Posts: 56
Damage This Year

So far, my overall portfolio is down about 13%. I'm currently 45% Equities/40% Cash/15% Bonds. Normally, I try to maintain 70% Equities/20% Bonds/10% Cash. I tend to maintain higher cash levels than most but I increased this by about 25% at the end of January. The market seemed to be overheating + some news started to circulate about the virus. My 2 favorite ETF's - ITA (US Aerospace) and IPAY (Digital Payments) were absolutely annihilated due primarily to Boeing and sharp reduction in consumer spending, especially travel. These had been so good to me the last ~3 years. I sold off more equities during the run-up this week to add some more cash. I will assess legging in a few % points at a time into mutual funds on any meaningful pullbacks from here and look for opportunities to dollar cost average down on some of my favorite stocks but I'm in no hurry.
jt999 is offline   Reply With Quote
The plan is working...
Old 03-28-2020, 03:50 AM   #3
Recycles dryer sheets
 
Join Date: Jan 2011
Location: Hilton Head Island
Posts: 325
The plan is working...

With my AA at 68/32, I am down 16% YTD but was up 20% last year.

Fortunately, I just turned 70 and my first SSA check arrives next month, so we will not have to rely as much on tax deferred accounts to meet day to day expenses. I feel as though we have planned to live within our means and this is just one of those times were we will spend some of that cash and those bonds...I mean, that is why we have them.

We are still planning to do a large Roth conversion at the end of the year to take advantage of the current tax brackets.

Although a bit more stressful, life is still good.
levindb is offline   Reply With Quote
Old 03-28-2020, 04:06 AM   #4
Recycles dryer sheets
Gunny's Avatar
 
Join Date: Oct 2013
Location: Sweet Home Alabama
Posts: 124
I switched my AA to 40/60 last fall as I was concerned about high valuations and the longevity of the bull market. I then changed to 50/50 on March 20th to buy some stock at recent lows. I'm down about 15% total. I plan to slowly shift even more assets into equities going forward. This bear may last a while, even causing a recession. But I see it as a buying opportunity.
Gunny is offline   Reply With Quote
Old 03-28-2020, 04:59 AM   #5
Full time employment: Posting here.
BeachOrCity's Avatar
 
Join Date: Jun 2016
Posts: 889
Down 9.4% ytd for my stocks bonds and cash.
BeachOrCity is offline   Reply With Quote
Old 03-28-2020, 05:20 AM   #6
Administrator
Gumby's Avatar
 
Join Date: Apr 2006
Posts: 22,923
-18.5% ytd
__________________
Living an analog life in the Digital Age.
Gumby is offline   Reply With Quote
Old 03-28-2020, 05:24 AM   #7
Moderator Emeritus
 
Join Date: May 2007
Posts: 12,890
Hard to tell. I only own real estate and cash. The RE market has ground to a halt, so getting meaningful valuations is impossible at the moment.
FIREd is offline   Reply With Quote
Old 03-28-2020, 05:34 AM   #8
Thinks s/he gets paid by the post
frayne's Avatar
 
Join Date: Oct 2002
Location: Chattanooga
Posts: 3,871
50/50 AA here and equites down about the same as the S&P.
__________________
Earning money is an action, saving money is a behavior, growing money takes a well diversified portfolio and the discipline to ignore market swings.
frayne is offline   Reply With Quote
Old 03-28-2020, 06:28 AM   #9
Thinks s/he gets paid by the post
Badger's Avatar
 
Join Date: Nov 2008
Posts: 3,388
At the moment my quick calculation says around 10%. Maybe a little less.


Cheers!
Badger is offline   Reply With Quote
Old 03-28-2020, 06:30 AM   #10
Thinks s/he gets paid by the post
 
Join Date: Nov 2014
Location: Austin
Posts: 1,369
Down about 13% YTD but that includes deposits made so far this year. Without those, I'd be down about 17%

Cheers.
big-papa is offline   Reply With Quote
Old 03-28-2020, 06:39 AM   #11
Recycles dryer sheets
 
Join Date: Dec 2005
Posts: 317
Down 14% It helped that I rolled over a 401k from my former employer that was 68% stocks to a 30/70 Fund in February.
Livefree is offline   Reply With Quote
Old 03-28-2020, 07:00 AM   #12
Thinks s/he gets paid by the post
 
Join Date: Sep 2006
Posts: 1,743
I haven't looked since January 31 but with a 50/50 AA I'm estimating around 14% to the bad. With enough cash or cash equivalent for 3 years of spending I have no plan to sell anything.
Corporateburnout is offline   Reply With Quote
Old 03-28-2020, 07:08 AM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
I occasionally post my numbers on the 2020 Performance thread.
__________________
Retired since summer 1999.
audreyh1 is offline   Reply With Quote
Old 03-28-2020, 07:08 AM   #14
Thinks s/he gets paid by the post
latexman's Avatar
 
Join Date: Mar 2014
Location: Apex and Bradenton
Posts: 1,764
-19% right now. I'm at 60/40. At it's worse YTD I saw -26%.
latexman is offline   Reply With Quote
Old 03-28-2020, 07:08 AM   #15
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: 50,000
Quote:
Originally Posted by ESRwannabe View Post
Just curious how other people are doing. I just did some calculations and I am pleased with how I have done so far. I have 100% stock portfolio (this is just looking at my taxable account). I did some trading around the last few weeks and was able to improve my position.

On a YTD basis I am down -19.74%.
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.
__________________
Numbers is hard
REWahoo is offline   Reply With Quote
Old 03-28-2020, 07:17 AM   #16
Recycles dryer sheets
Cayman's Avatar
 
Join Date: Nov 2015
Posts: 440
Probably not as far down as I will be in the coming weeks/months

Sounds like you have a nice gig, and I too hope it continues for you.
Cayman is offline   Reply With Quote
Old 03-28-2020, 07:20 AM   #17
Recycles dryer sheets
 
Join Date: Nov 2005
Posts: 165
I try to maintain a 74/26 allocation and have re-balanced once during this down turn. Currently down -17.91%.
trixs is offline   Reply With Quote
Old 03-28-2020, 07:28 AM   #18
Full time employment: Posting here.
 
Join Date: Jan 2008
Posts: 838
-19% right now, was -22% at the lowest (so far)
DayDreaming is offline   Reply With Quote
Old 03-28-2020, 07:28 AM   #19
Thinks s/he gets paid by the post
DrRoy's Avatar
 
Join Date: Dec 2015
Location: Michigan
Posts: 4,939
I only look at this on a monthly basis. I will run it Wed. morning. Equity AA on 2/29 was 53.6, down from 58 on 12/31.
__________________
"The mountains are calling, and I must go." John Muir
DrRoy is offline   Reply With Quote
Old 03-28-2020, 07:38 AM   #20
Thinks s/he gets paid by the post
 
Join Date: Jul 2013
Posts: 1,871
60/40 portfolio, down 14%

When computing these numbers, people should a) include all accounts and b) exclude YTD contributions, assuming we're trying to compare apples to apples.
mrfeh is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
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 11:38 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.