2018 YTD investment performance thread

[revhappy]

In the early retirement forum there is this thread:

http://www.early-retirement.org/forums/showthread.php?t=90118

Can we have a thread like this here and will it become as popular?

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[revhappy]

I will go home this evening and compile my Oct numbers and post my YTD and MTD performance.

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[homer123]

I just compiled my Oct portfolio -5% ytd not including dividends and cash holding..
Rev, how do you compile your number?

 

[revhappy]

I maintain an excel file. One tab with salary/ expense data. In that one row for every month. I go to my online banking and note down my monthly expenses, salary and the difference is the savings for the month.

Then other tab for networth. One row per month. I note down end of the month balance of all assets. Like interactive brokers AUM as of end of month, then my fixed deposits balance, etc.

So I have this history of how my networth has moved month on month.

I just compiled my Oct portfolio -5% ytd not including dividends and cash holding..
Rev, how do you compile your number?

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[ELKYme]

So brave. This will spur many of us to do well

I will go home this evening and compile my Oct numbers and post my YTD and MTD performance.

 

[existential_reality]

You should consider using a software, for something simple can consider msft money or for more serious will be quicken. The latter however has moved to subscription base service

I maintain an excel file. One tab with salary/ expense data. In that one row for every month. I go to my online banking and note down my monthly expenses, salary and the difference is the savings for the month.

Then other tab for networth. One row per month. I note down end of the month balance of all assets. Like interactive brokers AUM as of end of month, then my fixed deposits balance, etc.

So I have this history of how my networth has moved month on month.

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[revhappy]

I did my October numbers. So YTD my figures in SGD are:

Networth on 1/1/2018: 812k

YTD Net new inflows from salary savings: 56K

Networth on 1/11/2018: 814k

Growth: 0.35%

Considering my salary savings were about 6.9% of my networth, my actual investment performance is -6.55%.

Not a good year so far

 

[Thoreldan]

Is property included in networth equation ?

 

[BBCWatcher]

Is property included in networth equation ?

Your equity in all your real property -- at current fair market value, net of all sales costs including taxes, stamp duties, mortgage prepayment penalties, etc. -- is part of your financial net worth, yes. Cars, boats, planes, jewelry, the clothes on your back... everything.

Whether financial net worth is a meaningful number for the particular analysis you're trying to undertake is a separate question. Often, it's not.

 

[revhappy]

Is property included in networth equation ?

I don't own property. No CPF too. This is my all inclusive. But yes, you must include property current value and subtract loan outstanding.

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[NewInvestor]

I just compiled my Oct portfolio -5% ytd not including dividends and cash holding..
Rev, how do you compile your number?

My portfolio performance ytd is roughly the same. Hope for better days soon.

 

[BBCWatcher]

I don't own property.

You do, at least a bit. Just not a building, apartment, condominium, or other living or working space (i.e. real estate). I assume you're not leasing the clothes on your back.

The current market value of the real property you own might not be a big number, but it's not quite zero, we can safely assume.

Some people hold non-trivial amounts of wealth in "intellectual property," such as patents and copyrights. There are all kinds of property. Yes, I know plenty of people misuse the term -- especially here in real estate crazy Singapore -- to mean buildings and leaseholds and warehouses (as examples) -- but "property" is much more than that.

 

[ocs_woodlands]

If I define investment narrowly as the financial market only, I am around +2% YTD.

Up till late August, I was down by 33%
But my biggest counter literally struck gold (black) and it rocketed and erased all my portfolio losses....

Left the market completely after Dow's 2nd bad day (-800 followed by-400) and now just going back in with Temasek bonds and Phillips Reits.

I am beginning think there is a build up towards the Capricorn effect so might go in more..

 

[ELKYme]

How old are you rev?
Can see you’re keeping close tabs on your expenses/savings/investments.

Factor in other big expenses you’ll need to do (egurchase of home, kid’s education)
After doing the maths, you’ll have a good idea when u can FIRE!

Having a goal will keep us motivated.

I don't own property. No CPF too. This is my all inclusive. But yes, you must include property current value and subtract loan outstanding.

 

[TabascoSauce]

xirr (2018): -1.78%
xirr (2011-2018): 5.82%

 

[revhappy]

How old are you rev?
Can see you’re keeping close tabs on your expenses/savings/investments.

Factor in other big expenses you’ll need to do (egurchase of home, kid’s education)
After doing the maths, you’ll have a good idea when u can FIRE!

Having a goal will keep us motivated.

I am turning 39 early next year. My current goal is about doubling my current networth. It might turn out to be a rolling target though

 

[cloud1984]

I maintain an excel file. One tab with salary/ expense data. In that one row for every month. I go to my online banking and note down my monthly expenses, salary and the difference is the savings for the month.

Then other tab for networth. One row per month. I note down end of the month balance of all assets. Like interactive brokers AUM as of end of month, then my fixed deposits balance, etc.

So I have this history of how my networth has moved month on month.

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you do that religiously? really impressive.

 

[revhappy]

you do that religiously? really impressive.

Ofcourse, watching my networth is like how playing PUBG is for some people.

I just calculated my networth growth for previous years:

2015: 18.21% 555k
2016: 22.27% 679k
2017: 19.52% 812k
2018: 0.35% 814k

This is including new salary savings inflow. So after 3 strong years, this year was flat, which is okay.

 

[ELKYme]

You can FIRE at 50 at the current pace?

For myself, can only FIR @ 60.

Ofcourse, watching my networth is like how playing PUBG is for some people.

I just calculated my networth growth for previous years:

2015: 18.21% 555k
2016: 22.27% 679k
2017: 19.52% 812k
2018: 0.35% 814k

This is including new salary savings inflow. So after 3 strong years, this year was flat, which is okay.

 

[revhappy]

You can FIRE at 50 at the current pace?

For myself, can only FIR @ 60.

This depends on how long I can keep my job and save at the current rate. I have stopped forecasting. I have a target, but I am open to the timelines. Worst case have to work until 60 maybe 65. Open for that also.

I read a nice quote in the ER forum that reads something like this: You must prepare for early retirement not because you don't like working, but because, you may not find gainful employment after a certain age, due to ageism, outdated skills etc.

Let's say by 50, no company wants to hire me and at the same time I meet my target, then just nice, I can tell them FU.

Here is the full post:

There's always Uber!

Seriously, most of us here were able to stop working with some level of certainty.

The harsh reality, as I found out personally, is that once you're over 55-60, your chances of getting a 'real' job are pretty slim; that's how you end up at Chick Fila.

If for some reason you lose that $100K management job at 58 and you have nothing financially to back you up, you're in deep doo doo friend.

Another thread talks about a percentage of folk who are bankrupted by health issues. I suspect there's a larger group out there who got blindsided by having to suddenly find a new job at 55.

In reality people shouldn't be saving for retirement at 65, they should be saving in case they can't find work again at 50.

I had a stellar resume, a huge name in the industry and thousands of contacts. At 53, I never even got a chance for an interview outside of two courtesy meets. When the recruiter you hire tells you to leave the year you graduated college off your resume, you know it's real.

Not every ER is voluntary. Mine wasn't, not by any stretch but I was [-]lucky[/-] smart enough to have planned ahead.

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