steelyman
Moderator Emeritus
Retirement portfolio 2024 return 13.29% vs benchmark VTHRX (Vanguard Target 2030) 10.64%. Stock/bond allocation follows VTHRX (61/39).
Withdrawal rate 3.29%.
Withdrawal rate 3.29%.
Yes, it was. Yet they say it was 14%. Guess I don’t understand the difference between a one year cumulative return and a one year return.60/40 was cumulative 10.6% in that link, Figure 2.
I did see where they say 14% cumulative.Yes, it was. Yet they say it was 14%. Guess I don’t understand the difference between a one year cumulative return and a one year return.
Measured total performance for the 2024 portfolio was +12.95%Portfolio Increase by Month - 2024
Jan-24 -0.40%
Feb-24 +2.58%
Mar-24 +2.43%
Apr-24 -1.95%
May-24 +2.09%
Jun-24 +1.49%
Jul-24 +2.49%
Aug-24 +1.81%
Sep-24 +2.01%
Oct-24 -0.52%
Nov-24 +3.82%
Dec-24 -2.68%
2024 YTD +13.16%
- Target A/A is 65%/35%, but running +3% equities over.
- We simplified one more account in 2024.
- Weighted avg e/r has dropped to 0.071 now.
- 1st RMD in 2026, doesn't require much planning.
- Sent a QCD in December. Thinking of another this year, for the same charity.
The problem for us readers is that we're still guessing. Then we look elsewhere for understanding and verification, and find variation in other sources.I still don’t understand how a one year cumulative return is different from a one year return (assuming no additions or withdrawals).
I think they just made a mistake in Figure 2, using the 10.6% for 3 year 60/40, and putting it erroneously in the one year.
International equities was a boat anchor again. For over 20 years. Look it up, the returns are awful. Don't invest in International because you're supposed to for diversification.
I would invest in VG Total Stock Fund for all the diversity you need and performance as well. Over 23% this year, and last year too.
Not trying to say "I told you so" to anyone. just trying to help out.
Hey, you beat the CPI for 2024 and that’s always good!As of 12/31/24 our total net worth is up 3.83% vs 12/31/23 and that takes into account our charitable and other giving and our IRA RMDs/QCDs. t would've been better had the market stayed strong-er through December but we're happy.