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re: I’m officially back where I started when Biden took office
Posted on 6/15/23 at 11:02 am to Pauvetibete
Posted on 6/15/23 at 11:02 am to Pauvetibete
quote:
Other options are Various Vanguard Retirement Dates that are all down YTD -1 to -2%.
Why lie? Vanguard’s target retirement funds are all up 10-12% YTD.
You also said you were still down 8% from covid. That small cap fund you claim to be in is up like 15% since immediately prior to the covid crash.
This post was edited on 6/15/23 at 11:05 am
1
Posted on 6/15/23 at 12:34 pm to JohnnyKilroy
Why would I lie? For fake internet points?
1st Column is Period % Month, next is Period % YTD and the next are all Average Annual Return % for 1 year, 5 Year and 10 Year.
1st Column is Period % Month, next is Period % YTD and the next are all Average Annual Return % for 1 year, 5 Year and 10 Year.
This post was edited on 6/15/23 at 12:36 pm
Posted on 6/15/23 at 3:34 pm to Pauvetibete
So not a lie, just can’t read a table I guess.
Regardless it is still mind blowing your 401k is down ytd. The market is way up in that time frame.
Regardless it is still mind blowing your 401k is down ytd. The market is way up in that time frame.
This post was edited on 6/15/23 at 3:37 pm
Posted on 6/15/23 at 9:55 pm to Pauvetibete
quote:
Why would I lie? For fake internet points?
The most conservative non retirement option y’all offer is up 6% YTD. Even the retirement option is up 4% YTD. Maybe reread those tables…
This post was edited on 6/15/23 at 9:57 pm
Posted on 6/15/23 at 10:07 pm to JohnnyKilroy
Makes no sense. My vanguard retirement fund is up almost 12 percent YTD. My guess is he’s looking at over the last year and not YEAR TO DATE.
This post was edited on 6/16/23 at 6:55 am
Posted on 6/16/23 at 8:22 am to TDsngumbo
Me too. I went from a bunch of index type funds to a managed portfolio hedging against a recession. An important note is that most of the recent gains are based on a handful of funds.
Posted on 6/16/23 at 9:26 am to rebelrouser
quote:
a handful of funds.
Do you mean a handful of stocks are responsible for most of the recent gains? While it is important to understand this aspect of the market it is not abnormal. Go look in history and this is always how the market moves. There is also a small group of stocks that are generally responsible for the market gains (in cap weighted funds).
In history though that small group of stocks changes over time. If you can cherry pick the few who will be in the next top 10 list then you will do great. Most people can't pick the next big stocks or can't stomach the volatility of the ride up therefore it is best just to own the whole market.
Posted on 6/16/23 at 10:06 am to MrJimBeam
You can look at the chart I posted. YTD, every single Vanguard Retirement fund is only up 6%, and still down for one year. My entire account is down 8% since inception.
Posted on 6/16/23 at 10:17 am to Pauvetibete
quote:
YTD, every single Vanguard Retirement fund is only up 6%
Earlier you said they were all down 1-2%
quote:
My entire account is down 8% since inception.
That sucks man. I’d probably just forego that 401k if the options available are down over the past few years. Virtually every broad market fund is up BIG in that timeframe.
Posted on 6/16/23 at 1:36 pm to Pauvetibete
quote:
You can look at the chart I posted. YTD, every single Vanguard Retirement fund is only up 6%, and still down for one year. My entire account is down 8% since inception.
Your personal rate of return can be skewed by the timing of contributions, particularly if you just started on 9/2021. I wouldn’t be too terribly worried about it.
Posted on 6/19/23 at 5:51 am to Big Scrub TX
quote:
What'd you do to screw it up so badly?
Nursing home patient was falsely elected. Calamity ensues.
Posted on 6/19/23 at 5:55 am to Big Scrub TX
quote:
Big Scrub TX
Imagine being the person taking up for Biden lmao...must be one hell of a task
Dems are pathetic and now insane. The problem is that the Republicans are so inept, that they can't even take advantage of it.
Posted on 6/19/23 at 4:10 pm to TDsngumbo
quote:
I’ve contributed nearly $20,000 since then
Isn't that what dollar cost averaging is all about?
Posted on 6/19/23 at 4:30 pm to bayoumuscle21
quote:Yes - evidently the calamity of idiots making terrible investment decisions.
Nursing home patient was falsely elected. Calamity ensues.
Posted on 6/19/23 at 4:31 pm to bayoumuscle21
quote:wut
Imagine being the person taking up for Biden lmao...must be one hell of a task
I don't give a shite who's in office for my investing. I'm simply pointing out the equity indices are a good bit higher than when Biden took office. So I find it interesting that someone would just now be getting back to even when, instead, they should be up a lot.
Posted on 6/19/23 at 5:01 pm to TDsngumbo
quote:If you had invested 100% in an S&P 500 index (SPY, VOO) and reinvested dividends at the beginning of 2021, but didn’t even contribute a single cent since then, you should be up by about 22%. Even if you were much more conservative, you should be up, without any additional investing.
My retirement account is right back where it was the day Biden took the oath of office. Problem is, I’ve contributed nearly $20,000 since then
Posted on 6/19/23 at 10:41 pm to TDsngumbo
Give it time it will be wiped out soon
Posted on 6/20/23 at 8:50 am to SloaneRanger
quote:
Uh, do you buy groceries? Gas for the car? Eat out in restaurants? Pay rent? How does it look trying to buy a house in 2023 compared to before?
Who was that masked man? Why, it was the SloaneRanger!
And he was 100% spot on, man...
Posted on 6/20/23 at 1:48 pm to Big Scrub TX
quote:
My overall expenses are definitely not 33% higher
Are they 15% higher? 20% higher? 25% higher?
Everyone's is grossly higher, you are not immune.
quote:
USD itself is a good bit stronger against other currencies over the same time period.
Because it is still the world reserve currency. That is the ONLY reason. Once this BRICS shite happens, the dollar will collapse as the excess dollars around the globe will all filter back to the one place where they are still accepted: the United States.
quote:
Wages and a lot of assets are UP over the same time period.
Real wages are down significantly.
Posted on 6/20/23 at 1:55 pm to Paddyshack
quote:
Once this BRICS shite happens, the dollar will collapse
Lmao
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