tenant13
Full time employment: Posting here.
Ytd: 11.88%
That's pretty close to what I do, except I put a bit of math on it (we've been calling it "money chimp" spend adjustment using my "burn rate" as input) but that math makes almost no difference in the value calculated. But yeah, it's primarily just the difference in the balances between the first of the year and "now" on ALL money accounts.I probably don't calculate this the way everyone else does, but I have a number that I calculate every day. It's the value of my portfolio (taxable plus tax advantaged), added to the balance in my bricks-n-mortar bank accounts.
You're doing great!Anyway, that sum is up 3.5% since the beginning of the year! And that despite mostly living off of it (along with SS and mini-pension).
I'm just a hair shy of 12/31/2019, which makes it a few hairs shy if you count inflation (but no need to spoil the celebration).Today, once again, that sum is the highest it has ever been in my entire life. That makes me so happy. The next time the economy goes in the toilet, as it has a habit of doing every few years, I'll remember this day.
Up 2.3% YTD. That said, one can’t benchmark with others’ results, because we’re all presumably spending and/or adding to our stashes at differing rates.
July 2020
+0.22% Total Portfolio Value YTD Change (50/45/5 target)
Benchmark Performance YTD
+2.45% American Funds American Balanced (50/50) Class R-6 RLBGX
You can simply subtract or add your spending to the 1/1/2020 or current balance for a pretty reasonable estimate. That simple approach presumes all spending on the first or last day, which isn't a great assumption, but a simple formula will change the assumption to spending in the center of the date range (we've been calling it "money chimp", named after the web site that uses that assumption). I could, but don't bother with IRR on a routine basis. I did it a few times and it was a few tenths or less different than the money chimp estimate. This is just for gee whiz purposes only anyway, and a good few of the numbers here are, well, suspect. But if true, good for you!Up 2.3% YTD. That said, one can’t benchmark with others’ results, because we’re all presumably spending and/or adding to our stashes at differing rates.
And what do you recommend?That's not a 50/50 benchmark, strictly speaking. Equities can be anywhere from 50 to 75% and they're currently holding a little more than 55%.
We're at 6.7% YTD thru 8/1/20. This includes YTD withdrawals.
AA 81% Equity/19% cash etc.
Cash = approx 5-6 yrs expenses.
Does not include home equity.
Original poster asked how we invest. We hold ETFs, roughly 80% S&P. 20% int'l as a rule. No big secret formula for us.
Hmmm, the S&P is up 2.52% and international appears to be down almost 7%. Must be something secret going on or maybe your calculation is askew? No worries though, I was just curious.
I'd like to have some of the secret sauce given some of the returns mentioned. Makes me wonder if some are contributing to their ports all year long and then comparing July back to the beginning of the year or they've held some investments that really took off.
DFW_M5, most of my fixed investment is in VBTLX. It's up 8% year to date.