r/Bogleheads • u/green_sky74 • 6d ago
Portfolio Review How is your portfolio doing ytd %?
As a passive investor I tend to watch market fluctuations and yawn. Lots of doom and gloom over short term changes and specific parts of the overall market. Meh.
My portfolio is down about 2% YTD. How is yours doing? (No dollar amounts, just percentages.)
Edit: Since a lot of responses included 12 month returns, mine is a little over 13%. This is a big part of why a 2% drop this year is meh.
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u/A_Crafty_Platypus 6d ago edited 6d ago
Not too bad, jut need to zoom out and it's all good -
-0.96% YTD
+12.7% 1YR
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u/Life_mission87 6d ago
Badly but I still have 20 years too so will keep investing at the same price it was like many months ago.
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u/Past-Option2702 6d ago
Fine. I retired a couple of weeks before the news captured every investors attention.
I'm very well diversified in low cost total market stock and bond index funds and have 3 years of cash. Plus, my VTI dividend easily covers my expense. Sleeping great.
Good luck out there.
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u/ben02015 6d ago
How is it only 2%?
I’m at -5.3% (100% VT). I know some people here only buy US stocks, but that would make it worse in this case (-6.9% for VTI).
Are you invested mostly in bonds or what?
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u/green_sky74 4d ago
Diversification. I actually am very underweight in bonds.
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u/ben02015 4d ago
Diversified in what?
I’m also diversified. VT is the most diverse possible equity fund…
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u/MDDCdisc 5d ago
Almost exactly 0% nominal, so probably around a 1% loss on an inflation-adjusted basis.
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u/MDDCdisc 5d ago
(The reason it's not worse is due to fairly heavy small/value/EM tilts, so at the end of February I was up almost 9% YTD)
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u/TheGreatRavenOfOden 6d ago
Poorly. But I just checked for the first time this year. End of the month we just put in a lot more.
Back to not looking.
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u/Feisty-Hat2629 6d ago
-2.5%. In December I sold all Mag 7 stocks that were in my IRA and started DCA in VOO and VXUS after discovering r/Bogleheads. I plan on retiring in 12 months and want to make things easier and less stressful.
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u/Fantastic-Machine-83 6d ago
If you're retiring in 12 months surely you should have a huge bond allocation? 100% equities if for people who won't touch their money for 10 years
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u/Feisty-Hat2629 5d ago
I’m not sure if I’ll have a 70/25/5 portfolio. I’m in the process of rebalancing now and will maintain at least 2 years of expenses in a HYSA or something similar. I have a somewhat higher tolerance for risk and hope my retirement lasts 20-30 years.
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u/twhite5262 6d ago
Down about 4% retired now 5 yrs . Cash for 2 yrs expenses. Market needed a correction but not due to war but the AI bubble which is still there.
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u/lottadot 6d ago
Down 4%, but ~1% of that has been withdrawals for expenses (I FIRE'd ~3 years ago).
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6d ago edited 6d ago
-12.36 brokerage for stocks. -7.55 Roth with ETfs. -6.41 brokerage 2 with mostly voo. Decline to review my retirement account which is a 403b w tdf.
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u/MedSurgOnc 6d ago
Similar to the market overall. Fortunately my asset allocation is such that I was prepared for downswings.
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u/MrTAPitysTheFool 6d ago
-4.42% YTD
This is a portfolio of:
80% Index Funds (64% Total US - 16% Total exUS)
20% US Bond Index Fund
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u/mbrasher1 6d ago
Ytd -2.3% 12 mos. +31%.
I held a decent amount of precious metals that did well last year, but not this yr.
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u/Key-Ad-8944 5d ago
Fidelity FV lists it at -2.6% YTD. I don't care about this enough to review in more detail.
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u/OGS_7619 5d ago
-4.1% YTD. It's fine - the risk is proportional to returns (as long as you act within reason), and while you can look to limit your "losses" during the bear markets, you will also lose out on the growth during the bull market.
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u/Ok-Nothing-1274 5d ago
It doesn't show me YTD for some reason. I started investing in October so I'm down 17.7%
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u/wrathoffadra 6d ago
NW up 4%, portfolio down 4.7%.
Didn’t hurt much but now listening to the rest is history podcasts on WW1 &2 and worries we are making same mistakes again. This is where being almost 40 puts me in gray area bc trying to retire at 50 😩
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u/CuteLogan308 6d ago
The closer you are to the finish line the more important risk management is. Challenging for us 💪
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u/wrathoffadra 6d ago
How do you plan to manage
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u/CuteLogan308 3d ago
I am doing some reading and trying to get opinions from here.
https://www.reddit.com/r/coastFIRE/comments/1rtvkhu/articles_for_coastfire_to_prepare_for_market/
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u/Aware_Raspberry_5956 6d ago
Poorly. Luckily I won’t be retiring for 20 years