I am going to break things out a bit, just to show that market timing does work.
My IRA #1: Up 27% YTD
My IRA #2: Up 16% YTD
My Roth: Up 43% YTD
Taxable: Up 16.5% YTD
Wife's 401K, 100% SPY and Vanguard total stock market, down 10.75%+ YTD
Market timing works!*
*results may vary
Break it out even more...what's in your Roth and how did you manage 43%?
Who cares? Short term gains or losses don't mean anything. You have to go 3-5 years to even comment on returns.
Who cares? Short term gains or losses don't mean anything. You have to go 3-5 years to even comment on returns.
February 2020January 2020
-0.16% Total Portfolio Value Decrease (50/45/5 target)
-0.14% American Funds American Balanced (50/50) Class R-6 RLBGX
+2.12% Vanguard Total Bond Market Index Fund Admiral VBTLX
-0.08% Vanguard Total Stock Market Index Fund Admiral VTSAX
+1.28% Vanguard Wellesley Income Fund Admiral VWIAX
+0.35% Vanguard Wellington Fund Admiral VWENX
It's interesting that the simplest 50-50 portfolio design with Vanguard funds above would return the investor +1% approximately.
-2.56% as of yesterday.
50/50
Starting to think about rebalancing.