Is your portfolio at a high?

[GenXguy]

Yeahhh... BOOM! Another ATH!

Of course. Who isn't? It would be very hard NOT to be at ATH in this market imho.

Well, we discussed it earlier in the thread. If you spent a big chunk from your stash, such as new roof, HVAC, new car/truck, and/or vacation home earlier this year, you could easily NOT be at an all time high at this point, and it would NOT be hard at all. And some people, are also continuously drawing down from their stash just to live on (no pension, no SS yet). I have some of these big spends coming up myself, but I'm not sure how soon, so I'm still hitting ATH's for now, in nominal dollars, at least.

 

[street]

Boom, Boom, Boom!!!!

 

[Luvtoride]

Yeahhh... BOOM! Another ATH!

Well, we discussed it earlier in the thread. If you spent a big chunk from your stash, such as new roof, HVAC, new car/truck, and/or vacation home earlier this year, you could easily NOT be at an all time high at this point, and it would NOT be hard at all. And some people, are also continuously drawing down from their stash just to live on (no pension, no SS yet). I have some of these big spends coming up myself, but I'm not sure how soon, so I'm still hitting ATH's for now, in nominal dollars, at least.

GenXguy, it brings up an interesting consideration though….do you take some of the gains to the ATH “off the table” now to pay for your upcoming big spends or “let it ride” to when you actually need to pay for the projects/ purchases, when the market may be lower?…I know…don’t be pessimistic! I’m considering doing just that for some large expenditures later this year to move it to a fixed fund since the recent increases have almost paid for the full amount I am looking to withdraw including tax withholding.

 

[RetiredHappy]

GenXguy, it brings up an interesting consideration though….do you take some of the gains to the ATH “off the table” now to pay for your upcoming big spends or “let it ride” to when you actually need to pay for the projects/ purchases, when the market may be lower?…I know…don’t be pessimistic! I’m considering doing just that for some large expenditures later this year to move it to a fixed fund since the recent increases have almost paid for the full amount I am looking to withdraw including tax withholding.

We have a little over $50K in our bank throughout the year to pay bills and gets replenished by income streams, RMD and additional withdrawals. At the brokerage firm, we have another $100K in cash for RMD and additional withdrawals. We don't sell our positions to take the gains off the table during ATH. We do sell positions to raise cash, usually when we have fallen out of love with some of our holdings. In other words, we don't sell the winners and instead we sell the losers.

 

[GenXguy]

GenXguy, it brings up an interesting consideration though….do you take some of the gains to the ATH “off the table” now to pay for your upcoming big spends or “let it ride” to when you actually need to pay for the projects/ purchases, when the market may be lower?…I know…don’t be pessimistic! I’m considering doing just that for some large expenditures later this year to move it to a fixed fund since the recent increases have almost paid for the full amount I am looking to withdraw including tax withholding.

I'm not selling any shares of any investments. I'm living off the dividends, capital gains distributions, and interest, plus a bit of the CDs/TIPS that mature for now, and even more of that for the big expenses, rather than selling shares. I don't plan to sell any shares until I'm 65, when I will also receive SS, and tap MYGA's, I Bonds, 401K type plans. I could tap the Roth without incurring income, but I'm holding off on that also.

And when I say ATH, I'm not talking about just my brokage, but all of those stash items above along with what I have in my checking account.

So if I withheld $100,000 or keep it in CDs to spend with they mature, I count that as spend from my total stash. I actually just renewed a CD because I'm holding off longer on some projects.

 

[street]

I'm not selling any shares of any investments. I'm living off the dividends, capital gains distributions, and interest, plus a bit of the CDs/TIPS that mature for now, and even more of that for the big expenses, rather than selling shares. I don't plan to sell any shares until I'm 65, when I will also receive SS, and tap MYGA's, I Bonds, 401K type plans. I could tap the Roth without incurring income, but I'm holding off on that also.

And when I say ATH, I'm not talking about just my brokage, but all of those stash items above along with what I have in my checking account.

So if I withheld $100,000 or keep it in CDs to spend with they mature, I count that as spend from my total stash. I actually just renewed a CD because I'm holding off longer on some projects.

I always go by the bottom line also. Expenses taken out of the stash count.

 

[HarveyS]

Boom! Another ATH (nomimal) for me.

Just curious, are you not at an all-time high inflation adjusted? Am I missing something by only tracking nominal dollars? My personal inflation rate is quite different from the published CPI data and I am quite certain I would be at an all-time high there as well. I'm afraid it would be a great deal of work to try to quantify that, is I don't. Is there a tool you recommend to track this using my personal inflation rate?

 

[GenXguy]

Just curious, are you not at an all-time high inflation adjusted? Am I missing something by only tracking nominal dollars? My personal inflation rate is quite different from the published CPI data and I am quite certain I would be at an all-time high there as well. I'm afraid it would be a great deal of work to try to quantify that, is I don't. Is there a tool you recommend to track this using my personal inflation rate?

I'm not tracking inflation adjustments for this, so I just go by the nominal dollars, since I think that's the point of this thread. It could be an all time "real" high, as well.

 

[TheWizard]

Just curious, are you not at an all-time high inflation adjusted? Am I missing something by only tracking nominal dollars? My personal inflation rate is quite different from the published CPI data and I am quite certain I would be at an all-time high there as well. I'm afraid it would be a great deal of work to try to quantify that, is I don't. Is there a tool you recommend to track this using my personal inflation rate?

I think most of us track our wealth using nominal dollars, not inflation adjusted.
It's easier to do, and makes us seem wealthier...

 

[copyright1997reloaded]

I am confused, so are you at ATH or not? Your second statement said it is is still down from 1/28.

Yes, at an ATH. Precious Metals / PM miners (GDX, GDXJ, SIL) portion is down from 1/28, but finally offset from gains in stocks like Apple, ADI, GLW, MRVL. Other stinkers (losers YTD) things like MSFT, ABT, ABBV, SYK (i.e. software and drug/med tech). ADI (Analog Devices) is up 53% YTD, MRVL 102%, GLW (Corning Glass aka Glow Worm) up 107% YTD. As an aside I've owned ADI since they bought LLTC a while back (bought LLTC in 1990) and I think my cost basis on ADI is around 13 cents per share.

 

[Surewhitey]

Up 1 year's spending in ~5 weeks... Another way to look at it.

 

[RetiredHappy]

After losing a couple of nice cars, it recovered from its lows to buy a couple of Ferraris.

 

[ransil]

Yeahhh... BOOM! Another ATH!

Well, we discussed it earlier in the thread. If you spent a big chunk from your stash, such as new roof, HVAC, new car/truck, and/or vacation home earlier this year, you could easily NOT be at an all time high at this point, and it would NOT be hard at all. And some people, are also continuously drawing down from their stash just to live on (no pension, no SS yet). I have some of these big spends coming up myself, but I'm not sure how soon, so I'm still hitting ATH's for now, in nominal dollars, at least.

I did a new roof this year, Roth conversions to 24% , no SS yet.. wife's .mil check, 2 so far, most goes to health care preimum.
still hitting ATH

 

[wmc1000]

BOOM! Another Actual ATH!

 

[Fermion]

Also at a ATH high again of course. I know we are going to have a thread in the not too distant future about how many Ferraris we lost in a day though. Probably when AI investment fails to realize the profit companies have already booked in their minds.

 

[Retired Expat]

We leave soon for a few weeks in Scandinavia…. Which is supposedly really expensive. Let’s see what things look like after the trip and we BTD!

 

[RetiredHappy]

Also at a ATH high again of course. I know we are going to have a thread in the not too distant future about how many Ferraris we lost in a day though. Probably when AI investment fails to realize the profit companies have already booked in their minds.

If you haven't realized, I think of growth and losses in terms of cars. If I have my druthers, I would live in a 1000 sq foot home with a 10-car garage.

 

[Qs Laptop]

Is my portfolio at a high? Why, yes, yes it is. Thanks for asking!

 

[GenXguy]

I did a new roof this year, Roth conversions to 24% , no SS yet.. wife's .mil check, 2 so far, most goes to health care preimum.
still hitting ATH

Roth conversions shouldn't affect it much. Money is fungible. You're just moving it around into a different type of account. You just have to pay taxes.

Just the roof? What about the other things I mentioned? The brand new truck, HVAC, and vacation home, and still hitting ATH? If I had only gotten a new roof a few weeks ago, I would already be at a new ATH by now also. Add in some of those other purchases, and no.

 

[scrabbler1]

Earlier this month, I pierced the $2.3M mark. Onward and upward!

 

[kgtest]

ATHs even after taking a pay cut, after being unemployed since my last ATH in November.

I feel like I missed a massive 5 months of buying low, so not exactly celebrating, but still, somehow at ATH even after taking a very small 10k withdrawal to pay for our spendy middle-class lifestyle while income was low to no!

 

[Koolau]

ATHs even after taking a pay cut, after being unemployed since my last ATH in November.

I feel like I missed a massive 5 months of buying low, so not exactly celebrating, but still, somehow at ATH even after taking a very small 10k withdrawal to pay for our spendy middle-class lifestyle while income was low to no!

Yes, the market CAN be a wonderful thing. Congrats on your latest ATH.

 

[GenXguy]

Yes, the market CAN be a wonderful thing. Congrats on your latest ATH.

Woohoo - another one for me. The ride isn't quite over yet.

 

[RetiredHappy]

We are a few hundred dollars down from a couple of days ago, but we will take it!

 

[thatguy]

I looked at the average average growth over the last 3 years. If I were to withdraw that growth amount it would be like a 17% withdrawal rate and a life changing boost in income.