XIRR -1.94 on 50/50 AA
Using MoneyChimp, with no new money coming in (except for dividends) and with no money being taken out, my Dividend Portfolio is -3.19% for the year.
In contrast with some people here, I include every penny I have in all accounts. The reason is that I do include all the cash in my AA calculation.
Knowing that I have all that cash put aside, I am able to run some of my tax-deferred accounts to a fairly high stock allocation. If I did not count the cash that is not invested, I would fool myself that I had a wonderful return when the market goes up.
.... In contrast with some people here, I include every penny I have in all accounts. The reason is that I do include all the cash in my AA calculation. ....
As I use Quicken to do accounting for both expenses and investments, I set it up to have everything including the bank accounts and credit cards. It would take work to exclude them.I exclude my local bank accounts which typically have $5-20k in them and earn not much of anything... but similarly I don't include those when rebalancing... if I included my local bank account then I might start thinking that I should also include my credit card balances of $0-3k (as a negative). Those local bank accounts and my credit card balances are my equivalent of working capital.
The result would not be different enough to bother with.
.... PS. Oops. I don't think the bank accounts and credit cards are included in the AA. They only show up in the total networth.
Barely up at 0.19%. Thanks God that Feb is over. Hope to see a better month ahead.
When I say "all-in" I'm including everything in my asset allocation calculation and that includes everything "of significance". "Insignificant" things are those where the balance fluctuates or stays below $1K. So that includes credit cards debt and DW's spending account.I exclude my local bank accounts which typically have $5-20k in them and earn not much of anything... but similarly I don't include those when rebalancing...
Not worth looking at end of first quarter!YTD FEB 2018 Investments Summary (target: 52 Equity / 43 Fixed / 5 Cash)
401(k) Personalized Rate of Return is 0.87%.
- 0.28% YTD Weighted Performance overall for the whole pie.
From 02/01/2018 to 02/28/2018
Overall increase from previous month
- -0.44% American Funds American Balanced R6 Fund
- 1.94% American Funds New World R6 Fund
Overall increase for 2018 (includes add'l contributions)
- -2.56% (not XIRR)
Approximately one year to go. Now have a few investments that need re-balancing, which will happen with new contributions to Roth-IRA and 401(k).
- 00.16% (not XIRR)
Our index fund accounts are doing pretty crappy, to the point where I am wondering what you guys are doing differently. We are invested in Vanguard stock market index funds and are down some 3.5% YTD.
Now my trading account is a totally different story. We are pretty much retiring on that one $100,000 account, having withdrawn $130,000 from it over the past three years. This year that account is up $41,000, or just at 41% and I am starting to fret over how much ACA subsidy I am going to have to pay back. I had to pay back $600 from last year just now (finally did taxes for 2017). The downside to active trading is everything is taxed at ordinary income (very hard to hold more than a month or two much less a full year).
If you combine the trading account plus our regular stock market index fund retirement accounts, we are up about 2% YTD. I guess we need more bonds.
Our index fund accounts are doing pretty crappy, to the point where I am wondering what you guys are doing differently.