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Personal Rate of Return from 01/01/2012 to 12/31/2012 is 16.8%
Posted on 1/1/13 at 2:55 pm
Posted on 1/1/13 at 2:55 pm
Best year in the last 7. The larger than normal dividends at the end of the year added 2% to the overall.
I am sure there are many MT regulars that did better, but I feel good about it.
What was your PRR in 2012?
I am sure there are many MT regulars that did better, but I feel good about it.
What was your PRR in 2012?
This post was edited on 1/1/13 at 6:27 pm
9
Posted on 1/1/13 at 3:06 pm to StrangeBrew
Nice job sir. What were some of your top holdings? Mine was 12.8% 
Posted on 1/1/13 at 3:18 pm to Mercy Percy
T, AXP, BAC, were the big winners for me.
The rest were in mutual funds and ETF's such as FRESX, EWS, and XLF.
These are in the self directed portion of my 401k.
The rest were in mutual funds and ETF's such as FRESX, EWS, and XLF.
These are in the self directed portion of my 401k.
Posted on 1/1/13 at 4:57 pm to StrangeBrew
I am at 15.3% in my 401k.
Posted on 1/1/13 at 4:58 pm to DownSouthTiger
15.53%
I'll take it.
I'll take it.
Posted on 1/1/13 at 5:07 pm to Tiger4Ever
15.60% in my 401k.
Best in my 6 years.
Best in my 6 years.
Posted on 1/1/13 at 5:12 pm to Tiger4Ever
Only 7% but I only got my start mid year. However every mutual fund I own has returns over 10% on the year with one as high as 33%. Hopefully we can avoid a down year and keep up the nice gains but if not ill just buy more shares.
Posted on 1/1/13 at 5:29 pm to Danchase
7%, got killed on some stuff early in the year that really hurt my gains.
Posted on 1/1/13 at 6:05 pm to bunky
8.9%. Not the best year but better than last year
Posted on 1/1/13 at 6:37 pm to StrangeBrew
How much risk did you take on? That's kind of important too.
Also, what method did you use to measure return? NAV?
Also, what method did you use to measure return? NAV?
Posted on 1/1/13 at 7:16 pm to foshizzle
I just copied and pasted my PRR from the Fidelity site.
Here is how they describe how they calculated. Very vague.
As far as the risk goes, I have taken on significant risk. I moved half of my 401 out of the standard choices into a brokerage account. I did this about 5 years ago. My new contributions are split 50/50 between the traditional and the brokerage. That way it gives me visibility if I am beating the standard mutual funds. I rebalance as best I can every year. Instead of buying mutual funds I am buying individual stocks and sector ETF's. The trading fees $7.00 are something that I have to watch also, though I usually only make 1-2 trades a quarter.
Here is how they describe how they calculated. Very vague.
quote:
Your Personal Rate of Return is calculated with a time-weighted formula, widely used by financial analysts to calculate investment earnings. The calculated value reflects the result of your investment selections as well as any activity in the plan accounts shown. Other personal rate of return formulas may yield different results. Remember, past performance is no guarantee of future results.
As far as the risk goes, I have taken on significant risk. I moved half of my 401 out of the standard choices into a brokerage account. I did this about 5 years ago. My new contributions are split 50/50 between the traditional and the brokerage. That way it gives me visibility if I am beating the standard mutual funds. I rebalance as best I can every year. Instead of buying mutual funds I am buying individual stocks and sector ETF's. The trading fees $7.00 are something that I have to watch also, though I usually only make 1-2 trades a quarter.
This post was edited on 1/1/13 at 9:13 pm
Posted on 1/1/13 at 8:58 pm to StrangeBrew
I did 13.53%
Posted on 1/1/13 at 9:04 pm to StrangeBrew
I saw an advisor earlier this year and he put me in a few mutual funds and of course the market was booming during that time around May. So naturally my returns there aren't really all that special. Thankfully the shares were averaged in so I didn't really lose much of anything. In that regard I made a small amount. Wish they were purchased earlier.
Posted on 1/1/13 at 9:13 pm to StrangeBrew
quote:
The calculated value reflects the result of your investment selections as well as any activity
They may have used something like NAV then, which is okay. Basically the idea is to value your portfolio as though it were a fund, with shares that you buy every time you add cash.
quote:
As far as the risk goes, I have taken on significant risk.
In theory that should boost your returns, a good portfolio just minimizes the risk/return tradeoff. The basic idea is that a 15% return can be just as good a performance as a 5% return if the risk levels are different. In theory anyway, this is where academics start arguing about beta and Sharpe ratios and such.
Anyway, I'd like to see two numbers - the return and also the variance in monthly (or even bimonthly) returns.
quote:
I usually only make 1-2 trades a quarter.
Good call.
Posted on 1/2/13 at 12:31 am to StrangeBrew
12.1%
Posted on 1/2/13 at 7:36 am to rickgrimes
16.38%
Everything in VTSAX
Everything in VTSAX
Posted on 1/2/13 at 10:02 am to foshizzle
quote:
foshizzle
I looked a little deeper on the website and came across the FAQ section.
Here is a little more detail.
quote:
How does my Personal Rate of Return relate to the total return figures shown for each of my investments?
quote:
If you were invested in a single investment throughout the entire period, your Personal Rate of Return would match the investment’s total return figure over the same period of time. Your Personal Rate of Return and investment return figures will differ if:
quote:
• You held more than one investment option – in this case yours would reflect a combined average of all the investments
quote:
• You made exchanges during the period (i.e., moved out of an investment and into another)
Should I call up each monthly statement individually and see what the change% is? Would that give you the variance in monthly returns?
Thanks
Posted on 1/2/13 at 10:28 am to StrangeBrew
16.7% 
I will be the first to admit that I don't really know what I'm doing. At most I'll take money out of the "Aggressive" fund in my 401k when it looks like things are going bad and put it back when things settle down.
Made ~12% on the money I have in PIMCO total returns.
Unlike last year, I can't complain
I will be the first to admit that I don't really know what I'm doing. At most I'll take money out of the "Aggressive" fund in my 401k when it looks like things are going bad and put it back when things settle down.
Made ~12% on the money I have in PIMCO total returns.
Unlike last year, I can't complain
Posted on 1/2/13 at 11:00 am to StrangeBrew
11.7% here for my 401k. 14.6% on IRA.
401k is with Vanguard. I really need to relook at what funds my 401k is in. I had 10% in Bonds the past year with a measly 4.2% return. Really brought down my PRR this year. All other funds are 14+%.
401k is with Vanguard. I really need to relook at what funds my 401k is in. I had 10% in Bonds the past year with a measly 4.2% return. Really brought down my PRR this year. All other funds are 14+%.
Posted on 1/2/13 at 11:45 am to polizei11
17.1% with Fidelity
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