Low man so far at +9.2%, but not bad with a fairly conservative 30/70 AA. Think I will have another med.
I went back to look at how my 2 funds did at T Rowe Price. It was the easiest because I did not touch them since 12/31/2006. In 6 years they returned a whooping 16% in total, or 2.6% a year by simple return. Everyone went through the same horrendous slaughter of 2008. Talk about years of investment time lost.As of last nite, I came in at 15.94% for the year.
For comparison, here's my return the past few years...
2011: down 0.12%
2010: up 19.77%
2009: up 44.71%
2008: umm, let's not talk about that! Well, okay, down 42.04%
Stocks = 49%
Bonds = 32%
Fixed = 19%
9.47% return
Note my sig line.
Since retiring in mid 2005 and moving to a very conservative AA (40/55/5) I've used a different ruler to measure my annual investment returns. Rather than a percentage, I track my portfolio to see if it is larger or smaller (after withdrawals) than it was the previous Dec 31. My results:
2005 - Yes
2006 - Yes
2007 - No
2008 - Oh No!
2009 - Yes!
2010 - Yes
2011 - Yes
2012 - Yes
Mind if I join you at that bar?
8.62% XIRR with 35/50/15 AA
I'm very happy with that since it has now been 4 very solid years of gains since 2008.
11.13% on a 60/30/10 (Stocks/Bonds/Cash) AA.
Edit: I just checked our 5 year (2008 thru 2012) annualized return and it is 3.67%. I thought it would be higher than that. Guess 2008 took a bigger bite than I realized.
What is "Fixed"? While I'm familiar with Bonds and Fixed Income, I think of bonds as either the same as fixed income or as a component of fixed income.