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Re: Your TOTAL % return so far this year and last year.
Quote:
Originally Posted by ladelfina
...do you account for all your repair expenses in that figure? Do you count opportunity value of home equity vs. a MMF? Or do you use a monthly rental value for similar property as an inherent "dividend"?? Since people usually buy the homes they do for reasons other than the concrete investment growth/income that they get from stocks/bonds.. I'm not sure that it's a reasonable comparison in this context (performance vs. the market). If it's just for personal enlightenment, by all means, knock yourself out!...
I gave a simple formula without factoring in all the possbile variables that could affect the total return.
You would obviously subtract any costs associated with your home in the formula as you would factor in income if you were to rent out portions of it.
I don't factor in my home when I determine my YTD ROI since I don't plan on using my home as a cash flow asset. I consider it a sunk cost for the time being since I have no plans to rent it out, sell it, or get a reverse mortgage.
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Re: Your TOTAL % return so far this year and last year.
Re: Your TOTAL % return so far this year and last year.
Quote:
Originally Posted by sailor
Hey- conga rats - I even looked at you latest posts to see if I misssed an official notice.
So, what do you do whole day?
Today I worked on cleaning up the back yard (including sawing big boards into
little boards to fit into the trash cans), working on FSA paperwork from my spending
spree last night when I found out that FSA money had to be spent by your termination
data, not the end of the year, and planning my first small vacation - a weekend wine
tasting in Mendocino.
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learn, work, save, invest, fire
Re: Your TOTAL % return so far this year and last year.
Re: Your TOTAL % return so far this year and last year.
Quote:
Originally Posted by modhatter
Spanky: You have done well also in a 60/40 split, and only one to give asked breakdown. You sure had faith in the international market. (24.72%) Good for you. Takes some courage. Do you do mostly individual stocks, indexes or managed funds?
I have two stocks. The rest is a mixture of index and managed funds (I say it is about 50/50). You are right the return from international funds - it's risky.
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May we live in peace and harmony and be free from all human sufferings.
Re: Your TOTAL % return so far this year and last year.
Edited to add:
Holdings generally in form of ETFs or index funds, except for bonds (individual issues) and Japanese equities (individual stocks). Individual stocks and bonds are all managed passively.
Also, last year had some commodities, REITs and J-REITs of which I have since divested for tax efficiency reasons (especially important in light of new tax laws). Still holding some EGLRX, but not sure for how much longer. (Tax efficiency not too bad, but expense ratio could be lower, and now that I have given up an explicit allocation to real estate it is kind of homeless in the asset allocation.)
Time horizon: A couple of decades to retirement, with college expenses just before that.
Re: Your TOTAL % return so far this year and last year.
Re: Your TOTAL % return so far this year and last year.
Quote:
Originally Posted by My Dream
Thanks REWahoo!, Nords and donheff , I appreciate the explanation.
You're welcome, but check your PMs for the rest of the story...
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Co-author (with my daughter) of “Raising Your Money-Savvy Family For Next Generation Financial Independence.”
Author of the book written on E-R.org: "The Military Guide to Financial Independence and Retirement."
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Re: Your TOTAL % return so far this year and last year.
Re: Your TOTAL % return so far this year and last year.
40.84% US stocks (of which about 25% funds/etfs; the rest individual stocks)
36.85% Int'l. stocks (of which about 12% funds; the rest individual stocks)
2.03% Reits
12.25% Gov't. Bonds (TLT and TIPS)
1.35% Int'l Bonds (GIM and FAX)
6.7% Cash (CD's and M Mkt.)
Real Estate (rentals etc.) - house paid for..not included in returns
MLP -don't know what that is
Canadian Royalty Trusts - none
yeehaw! Cycling Investor has us all beat hands down..
Congratulations on your ER!