Your 2013 Investment Return

[HillCountry]

NW up 11% 2013.

Retirement accounts (401K, IRA, Roth) up 27%.
Rental down 9%.
House up 12%
Domain business up 11%
Cash up 9% (3 years' living expense in CD)

[HFWR]

12.49388640580982%, give or take...

[ikubak]

23.05%

80/20

[MooreBonds]

86% equities, 14% fixed income

2013 total portfolio return ~13.8%.

Not too bummed, since my 2012 return was about 16%, about 35% of my portfolio is in international (heavy on EM), and my overall portfolio yield is just over 4%, with a tilt towards dividends.

[MRG]

Megacorp's 401k money 65/35 equity/bonds did 27.98%. One hot equity fund, did the heavy lifting. Still waiting on Fido's update, that should be about 9%(?). What a great year! My first year of retirement, I know that's not the normal, just enjoying.

MRG

[tulak]

Quote:

Originally Posted by MooreBonds 86% equities, 14% fixed income 2013 total portfolio return ~13.8%. Not too bummed, since my 2012 return was about 16%, about 35% of my portfolio is in international (heavy on EM), and my overall portfolio yield is just over 4%, with a tilt towards dividends.

Your post resonates with me. My return was slightly better, but also less than others because of Intl./EM/Reits. I've spent a lot of the time over the last week thinking about my allocation. I guess that's what you do when you're outperformed by another benchmark. Especially with those taking less risk, or more specifically, less equity exposure.

I enjoyed a comment that I read over at bogleheads: "My bold prediction for 2014: unlike the period from 2000 to 2008, threads touting a TSM approach will outnumber threads suggesting a slice and dice approach ten to one."

[gerntz]

Quote:

Originally Posted by KMyer 33.98% overall aggregate return for the taxable and retirement accounts. I've always been 100% invested in equities since I started working 28 years ago. I'm beginning to think about diversifying into fixed income investments (or at least reduce my overweighting in consumer cyclicals) since I will be turning 51 years old in 2014. The last couple of years have been fabulous from an investing perspective.

Great results.

I think you'd be smart at taking some of these winnings off the table at your advancing age. Unlikely to come close to that run up again anytime soon & we're probably at higher than average risk of drops after this rise, but jmo. I'd suggest 20-25% anyway into bonds and/or alternatives.

With your cyclicals overweighting, I take your not an indexer/passive investor.

[KMyer]

Quote:

Originally Posted by gerntz Great results. I think you'd be smart at taking some of these winnings off the table at your advancing age. Unlikely to come close to that run up again anytime soon & we're probably at higher than average risk of drops after this rise, but jmo. I'd suggest 20-25% anyway into bonds and/or alternatives. With your cyclicals overweighting, I take your not an indexer/passive investor.

Thanks for your advice.

I'm mostly an indexer in my 401(k) plan.

I buy and hold individual stocks in the taxable accounts, harvesting some of the losses I incur to offset capital gain income allocated to me from some closely-held partnerships I partially own. I contribute some of the appreciated investments to charity if I want to realize some of the appreciation on the "winners". I only turn over around 5% of my investments in a normal year.

I'm thinking about doing what you suggest since the stock market has been doing so well for so long. It may be time to do the more prudent and conservative thing. I get older every day

[2035]

Quote:

Originally Posted by 2035 Four funds: 401(k) FFTHX: 18.19% FBALX: 18.24% PTTDX: -1.23% Roth PRNHX: 44.68%

I forgot to include home equity. I bought a short sale for $300k...and it's conservatively at $360. So home, 20%. 😂

[Act2]

Roth IRA 36.4%
457(like a 401k) 33.6%
A good year indeed.

[ChiliPepr]

26.7% with a mix of 10% cash, 50% equities, 40% in a private global fund

[nvestysly]

Quote:

Originally Posted by nvestysly 19.1% with approximately a 90/10 portfolio mix with heavy emphasis on dividends. I'm pleased to see the 19.1% gain even after withdrawals were made. The 90% equity is 80 domestic/large cap and 10 emerging market. The 10% short term is mostly cash with a smattering of bond funds.

I guess Fidelity is slow to update their web site. The number I posted above is the return Fidelity calculated for the 12 mo. ending 11/31/2013. The number for 12 mo. ending 12/31/2013 has been posted and is slightly better at just over 22%