2026 Investment Performance Thread

[Still Learning]

Vanguard YTD is 9.5% for roughly 55/45 AA. No CDs, only some bonds in 2035 dated retirement fund VTTHX which is roughly 60/40 mix presently and a larger position than normal in MM. Otherwise (4) ETF's in MGV, VIG, VOO and VTI. About 25% of our investments are in banks, mostly CDs and some cash where the interest pays our discretionary spending fund. Everything together is closer to 6% YTD. Our retirement plan is based on 4% growth.

 

[kgtest]

Jan 31: +6.12% YTD
Feb 28: +10.0% YTD
Mar 31: +6.37% YTD
Apr 30: +12.91% YTD

May 30: +16.81% YTD Stock AA: 53%

More than 1/2 the gain in May came from selling OTM options. And more than 1/2 of the option premium came from puts instead of calls.

Having "lost" much of my high-flying semi stocks, I now chase after them with OTM puts. I made money, but of course nowhere as much as if I had held them. When you take a conservative stance and the market keeps going up, you won't do as well as bullish investors. I accept that.

Impressive. I am 100% equities without any options, and you are still outperforming me! Congrats.

 

[RetiredHappy]

Impressive. I am 100% equities without any options, and you are still outperforming me! Congrats.

I thought your YTD is up 14.9% based on your post for May.

 

[kgtest]

I thought your YTD is up 14.9% based on your post for May.

Correct. I am up 14.9% on 100% equities. NW-BOUND posted 16.81% on a 55% equities +covered calls folio. He is crushing me.

 

[NW-Bound]

Correct. I am up 14.9% on 100% equities. NW-BOUND posted 16.81% on a 55% equities +covered calls folio. He is crushing me.

A correction: In May, I sold more cash-secured puts than covered calls for the 1st time. I used to have up to 80-85% stock, but have let go of the hot stocks, so got to do puts now with the cash.

Anyway, one month or even a year performance is no guarantee of anything. It may be just luck. But I do enjoy the market so far. It's more a leisure activity than anything else.

 

[target2019]

70% Equity
Portfolio Balance: 2026 YTD +7.10%

 

[wingfooted]

What do you mean by a reverse SORR scenario?

Sequence of return risk is that poor investment results early in retirement greatly impact the retirement portfolio and may require pulling in your original spend amount as calculated by FIRE.

But what happens when it goes the other way ? And your early investment returns are so strong that the original FIRE spend calculation no longer makes any sense ?

I’m sure there are many here that this applies to.

 

[TickTock]

Adjust spending upwards.

 

[DogDad]

5.59%, 38% equities.

 

[equakesfan]

May 26 +2.62% of net worth*, +2.16% of investments*, +3.17% excluding RE*, +1.99% RE**
Apr. 26: +1.60% of net worth*, +2.71% of investments*, +5.92% excluding RE*, -2.97% RE**
Mar. 26: -1.87% of net worth*, -2.56% of investments*, -4.11% excluding RE*, +0.61% RE**
Feb. 26: +2.88% of net worth*, +2.34% of investments*, +1.03% excluding RE*, +5.01% RE**
Jan. 26: +1.64% of net worth*, +0.75% of investments*, +1.21% excluding RE*, +2.13% RE**

YTD: +6.98% of Net Worth*, +5.42% of investments*, 6.79% excluding RE*, +7.15% RE

Since retirement (May 2024): +22.73% of Net Worth, +29.37% of investments, +40.86% excluding RE, +7.15% RE

I track my real estate through Zillow and Redfin. This month, the values are again above what I think they are actually valued.
*It is noted that these numbers include spending so actual performance is higher
**Real estate excludes income from RE (which would add ~2.8% per year to the return).

 

[Steelpony]

Sequence of return risk is that poor investment results early in retirement greatly impact the retirement portfolio and may require pulling in your original spend amount as calculated by FIRE.

But what happens when it goes the other way ? And your early investment returns are so strong that the original FIRE spend calculation no longer makes any sense ?

I’m sure there are many here that this applies to.

Loss in value or increases in value are a daily occurrence. Depth and length are unknowns.

Daily losses or gains aren’t real money anyway unless you cash something in.

A set aside of cash or an alternative helps one through SOR.

I started investing way back when the DOW was around 750. As a retiree I view anything I cash in as profit no matter what the value.

 

[audreyh1]

YTD thru 5/31 up 6.45% ~55/45AA