2022 Investment Performance Thread

[MarieIG]

Vanguard gave me a performance for the year of - 6.9.

 

[dmpi]

Down 13.5% with a 60/40 allocation.

 

[tmm99]

My numbers for Fidelity aren't in yet, but considering the high inflation rate, the down numbers on my stocks hurt twice as bad (or worse)...

 

[Al18]

-13.3% for the year, with a 50/50 stock/fixed income mix. I am retired and spent 2.3% for the year.

I credit this forum for the information of selling all my bond funds mid-year and switching to CD’s.

 

[audreyh1]

Looks like I’m down around 12.40%. I still have a little more interest coming in after today, but it won’t move the needle.

Considering the roller coaster year I’m feeling pretty good!

According to my calcs our net worth is still beating inflation since 1999 in spite of given up a lot of our gain against inflation this year, so I can’t complain much. (Knocking on wood of course)

The interest did move the needle a little bit. I’m now down only 12.35% ha ha.

 

[Ronstar]

-12.90% on about 50/50

 

[eytonxav]

-8.3%

 

[almost there]

+3.55%

 

[steelyman]

Retirement portfolio 2022 return -22.61% vs. benchmark VTHRX (Vanguard Target 2030) -16.27%.

Stock/bond allocation follows VTHRX.

 

[target2019]

-11.90 YTD 12/31/2022
~50/50 portfolio

 

[pb4uski]

-4.17% for 2022.

Started the year with a 15/77/8 AA and ended with a 5/92/3 AA. The benchmark return for those AAs for 2022 were about -13% according to Portfolio Visualizer so I guess that I should be happy with -4.17%.

Had some significant (to me) losses in Jan-Apr 2022 where I was slow to act to sell positions that were dropping in value.

 

[Dtail]

Down 11.4% on a 42/56/2 allocation.

 

[TB1960]

On our Schwab portfolio with an AA of 67/1/32 equity/bonds/cash we are..

YTD -13.48% ending August
YTD -18.73% ending September
YTD -14.60% ending October
YTD -11.53% ending November
YTD -15.18% ending December

 

[Taco]

Down 1.2%. All things considered, am happy with that.

 

[Midpack]

-12.8% according to Vanguard, target AA in sig line. Our equity holdings fell -13.3% and I held onto bond funds longer than I should have, but corrected in July. But I'm in for the LONG term.

 

[sengsational]

Down 14.3% on 2/3 equities AA target.

I do an 'all-in' calculation, so all accounts total liquid net worth on 1/1 and 12/31, with an adjustment for spending. I had the sign wrong on the spending, and it made it look reaaaaly bad! So once I changed the sign, it was a relief to be down "only" 14.3%.

That's nominal, of course. Down 21% or so if one believes the official CPI figures (and my spreadsheet uses those figures correctly).

 

[target2019]

-11.90 YTD 12/31/2022
~50/50 portfolio

Above was a decline of all balances at 2022 year end.

Actual performance was -10.45% on the ~50/50 portfolio.

RBALX, an active, managed, 50/50 fund was -11.83% for 2022.

 

[street]

Down 15% on the nose.

 

[HF63]

One bucket -10.5, other bucket +2.0%.


Each bucket different accounts.

 

[OverThinkMuch]

I used cash, put options and inverse funds in 2022 to actively manage my portfolio. Most of my active investments were in my Schwab accounts, so I've used their "Portfolio Performance" calculator (taxable, then Roth IRA moved to Schwab in April):

Your account had a rate of return of 27.69% from Jan 1, 2022 to Dec 31, 2022.
Your account had a rate of return of 19.99% from Apr 13, 2022 to Dec 31, 2022.

 

[tsoispf]

-10.67% for 2022 with a 49/26/25 stock/bond/cash asset allocation. I am retired and prefer the cash allocation to get me safely on to Social Security in three years.

 

[VanWinkle]

-14.6% with a 50/25/25 portfolio. Lots of cash due to a upcoming house purchase in May 2023(being built in Tennessee now)

 

[audreyh1]

-14.6% with a 50/25/25 portfolio. Lots of cash due to a upcoming house purchase in May 2023(being built in Tennessee now)

East Tennessee?

 

[pb4uski]

Dqotd

-12.8% according to Vanguard, target AA in sig line. Our equity holdings fell -13.3% and I held onto bond funds longer than I should have, but corrected in July. But I'm in for the LONG term.

Down 14.3% on 2/3 equities AA target.

I do an 'all-in' calculation, so all accounts total liquid net worth on 1/1 and 12/31, with an adjustment for spending. I had the sign wrong on the spending, and it made it look reaaaaly bad! So once I changed the sign, it was a relief to be down "only" 14.3%. ...

I want to start out that I'm not picking on you two but have just noticed a trend that is perplexing. For many posters, their disclosed 2022 returns are a lot better than the 2022 returns under Portfolio Visualizer for a portfolio with the same AA.

For example, a 50/40/10 AA consistent with MidPack's sig line returned -14.85% according to PV, but MidPack bettered it with -12.8% Similiarly, sengsational's reported return for 2022 was -14.3% but a 67/33 AA was -17.43% according to PV.

For the benchmark I used VTSAX (Total Stock Admiral) for equities, VBTLX (Total Bond Admiral) for bonds and CASHX for cash... PV's 2022 returns of -19.53% for VTSAX and -13.16% for VBTLX agreed with the 2022 return for those tickers on the Vanguard website and the CASHX return for 2022 was 1.82%, which seemed reasonable.

So the DQOTD is why are forum members reported returns so much better than the return for a similar AA on Portfolio Visualizer? Superior stock picking? Less interest rate sensitivity that VBTLX due to more IBonds and credit union CDs? Overall shorter duration for bonds and brokered CDs than VBTLX? Other reasons?

In the interest of full disclosure, my reported 2022 return of -4.17% was also significantly better than the -13% per PV for a similar AA... though while my AA drifted over the course of the year as I made some portfolio changes I think -13% is about right.

In my case I'm pretty sure that it is because I sold about 1/2 of my equities from the beginning of the year in January before the blood let too much. Also, 43% of my fixed income at the beginning of the year were preferred shares that I sold off in early February before things got too bloody. So I was cash heavy for a lot of the year.

Finally the fixed income that I didn't sell did a lot better than the -13.16% return for VBTLX in 2022 because it was mostly IBonds and credit union CDs that are not interest rate sensitive.

And yes, its a slow day so far.

 

[VanWinkle]

East Tennessee?

Yes, Tellico Village just southwest of Knoxville.