h**********e
发帖数: 413 | 1 看了一眼，
YTD 10.74%
Is this good performance? |
b****u
发帖数: 1027 | |
T*********e
发帖数: 9208 | 3 saving's apr is only 1%
【在 h**********e 的大作中提到】
: 看了一眼，
: YTD 10.74%
: Is this good performance?
|
f******s
发帖数: 72 | 4 都放在什么里面？股票，指数ETF，指数基金？
【在 h**********e 的大作中提到】
: 看了一眼，
: YTD 10.74%
: Is this good performance?
|
i****r
发帖数: 1803 | |
s*****1
发帖数: 430 | 6 BUFFETT看到了都要发抖
【在 h**********e 的大作中提到】
: 看了一眼，
: YTD 10.74%
: Is this good performance?
|
J******s
发帖数: 913 | 7 It is better than most mutual funds.
My portfolio performance is a little better, as follows:
12/31/2010 value: 100%
YTD New contribution: 3.96%
YTD market appreciation: 13.09%
Current holding is as follows (I have both TIAA-CREF and Vanguard):
VCVLX: 25%
VUVLX: 11%
TRLCX: 40%
Cash: 24%
During the past 4 months, I did several adjustments among stocks/bonds/cash.
【在 h**********e 的大作中提到】
: 看了一眼，
: YTD 10.74%
: Is this good performance?
|
h**********e
发帖数: 413 | 8 我的polifolio不具有典型性。原来放了1/3的company stock & company stock涨得好.
刚刚调整了一下。
现在 science & technology stock: 30%
Russuel 2000 index: 15%
S&P Index: 10%
Global Equity: 10%
Company stock: 10%
Bond: 15%
Lifecycle 2050: 10%
【在 f******s 的大作中提到】
: 都放在什么里面？股票，指数ETF，指数基金？
|
w****n
发帖数: 1737 | 9 你太小看warren buffett了， 他投资几十年， 见过YTD》10%还少吗。
他牛在比 5yr /10yr average return,
而且单单看return是没可比性的， 你得看为了得到这个return
你take how much risk,, i.e. return/risk ratio ---
sharp ratio.
我401K YTD 7.8%, 1yr 10.84%, 3 Yr ave 8.98%, very proud of
the last one. hehe
【在 s*****1 的大作中提到】
: BUFFETT看到了都要发抖
|
D*****I
发帖数: 8268 | 10 401k没啥好问的啊，都是有啥放啥。。
【在 f******s 的大作中提到】
: 都放在什么里面？股票，指数ETF，指数基金？
|
|
|
J******s
发帖数: 913 | 11 We had a huge bull market. 10% annual return is too low.
【在 w****n 的大作中提到】
: 你太小看warren buffett了， 他投资几十年， 见过YTD》10%还少吗。
: 他牛在比 5yr /10yr average return,
: 而且单单看return是没可比性的， 你得看为了得到这个return
: 你take how much risk,, i.e. return/risk ratio ---
: sharp ratio.
: 我401K YTD 7.8%, 1yr 10.84%, 3 Yr ave 8.98%, very proud of
: the last one. hehe
|
T*********e
发帖数: 9208 | 12 4% for last April alone.
【在 J******s 的大作中提到】
: We had a huge bull market. 10% annual return is too low.
|
T*********e
发帖数: 9208 | 13 还要看看risk, 30%不难，300%都有可能，关键看你上下了几回，呵呵
【在 J******s 的大作中提到】
: We had a huge bull market. 10% annual return is too low.
|
w****n
发帖数: 1737 | 14 then I admire you for your 3 yr return.
你的3年平均，如果实在适当风险控制下的话，让我warren看了发抖
如果你的5年平均也能这样， 你就能让warren buffett看了也发抖。
2008-2011也不算huge bull market..
道琼斯都还没回复到3年的最高， 如果一个人,全部投资equity,
（401K其实最好不要全部equity), 假设只买market index
3年平均很少。
所以我很佩服，能这样的return.有几种情况。
1 在大熊市全做空，在大牛市全做多，说明
大势看的贼准。 牛。
2.高leverage+投资高风险，比如全部资金只投资黄金/白银。说明你
有胆量。呵呵。
你是哪种呢？还有什么情况呢？
【在 J******s 的大作中提到】
: We had a huge bull market. 10% annual return is too low.
|
w****n
发帖数: 1737 | 15 right..忘记问她/他，sharp ratio (return/risk)多少。
这个才有可比性， 单纯return是不可比的
【在 T*********e 的大作中提到】
: 还要看看risk, 30%不难，300%都有可能，关键看你上下了几回，呵呵
|
K****D
发帖数: 30533 | 16 That might be 3 year total return, not the annual return.
【在 w****n 的大作中提到】
: then I admire you for your 3 yr return.
: 你的3年平均，如果实在适当风险控制下的话，让我warren看了发抖
: 如果你的5年平均也能这样， 你就能让warren buffett看了也发抖。
: 2008-2011也不算huge bull market..
: 道琼斯都还没回复到3年的最高， 如果一个人,全部投资equity,
: （401K其实最好不要全部equity), 假设只买market index
: 3年平均很少。
: 所以我很佩服，能这样的return.有几种情况。
: 1 在大熊市全做空，在大牛市全做多，说明
: 大势看的贼准。 牛。
|
J******s
发帖数: 913 | 17 It is from my Vanguard account. The account started in mid-2007, and so most
of the invested money in 2009-2011 missed the huge down fall.
That should be the annual return rate. Check your Vanguard account if you
have an account too, in the "Performance" section.
【在 K****D 的大作中提到】
: That might be 3 year total return, not the annual return.
|
J******s
发帖数: 913 | 18 I just switched among those stocks/bonds mutual funds. But it is important
to time the market, and switched in/out.
VCVLX and VISGX are both my popular holdings at times. Check their
performances during the past 2+ years, and they have been up 3x to 4x.
【在 w****n 的大作中提到】
: right..忘记问她/他，sharp ratio (return/risk)多少。
: 这个才有可比性， 单纯return是不可比的
|
w****n
发帖数: 1737 | 19
important
你没搞错吧。 annual return ave 11-12% in 3 years. 如果你
popular holding是这两个，3年ave annual return 不可能是 30%,这样 （1+30%）^3=
2.2,
你是不是像KennyD说的。 ave annual return 跟 total 3 yr return搞混了。
1 Year 3 Year 5 Year Since
Incep.
VCVLX +20.85% +12.70% +4.76% +5.73%
Category +14.52% +1.98% +2.13% --
Index +15.65% +2.35% +2.62% +10.31%
1 Year 3 Year 5 Year 10 Year
VISGX +32.55% +11.69% +5.92% +10.14%
Category +29.11% +8.77% +3.56% +6.69%
Index +15.65% +2.35% +2.62% +3.29%
【在 J******s 的大作中提到】
: I just switched among those stocks/bonds mutual funds. But it is important
: to time the market, and switched in/out.
: VCVLX and VISGX are both my popular holdings at times. Check their
: performances during the past 2+ years, and they have been up 3x to 4x.
|
w****n
发帖数: 1737 | 20 i don't think it is annual return rate.
我的etrade account,会给你特别注明，ave annual return
反而看看你的vanguard上，写的是 3 years return..
加上你买的两只股， 3 year ave annual return只有 11-12
total 3 yrs 也是 35-38左右。
即使加上bond fund，你的return会更小，因为一般bond fund没有这么惊人的return,
你知道3 year ave annual 30% total是 220%啊，
我warren不是不是随便发抖的啊。
most
【在 J******s 的大作中提到】
: It is from my Vanguard account. The account started in mid-2007, and so most
: of the invested money in 2009-2011 missed the huge down fall.
: That should be the annual return rate. Check your Vanguard account if you
: have an account too, in the "Performance" section.
|
|
|
J******s
发帖数: 913 | 21 I am sure I am right. It is 30% annual return. Check out your Vanguard
account if you have one.
3=
【在 w****n 的大作中提到】
: i don't think it is annual return rate.
: 我的etrade account,会给你特别注明，ave annual return
: 反而看看你的vanguard上，写的是 3 years return..
: 加上你买的两只股， 3 year ave annual return只有 11-12
: total 3 yrs 也是 35-38左右。
: 即使加上bond fund，你的return会更小，因为一般bond fund没有这么惊人的return,
: 你知道3 year ave annual 30% total是 220%啊，
: 我warren不是不是随便发抖的啊。
:
: most
|
l*********e
发帖数: 7492 | 22 可能算的2年
3年的话从08年初到现在肯定没有30%每年
如果从08年底算超过30%
hoho
3=
【在 w****n 的大作中提到】
: i don't think it is annual return rate.
: 我的etrade account,会给你特别注明，ave annual return
: 反而看看你的vanguard上，写的是 3 years return..
: 加上你买的两只股， 3 year ave annual return只有 11-12
: total 3 yrs 也是 35-38左右。
: 即使加上bond fund，你的return会更小，因为一般bond fund没有这么惊人的return,
: 你知道3 year ave annual 30% total是 220%啊，
: 我warren不是不是随便发抖的啊。
:
: most
|
J******s
发帖数: 913 | 23 I suggest you run a test. You contribute $100 each month to VISGX, from mid-
2007 to today. Then calculated what is the total value today. You would be
surprised. Then you check the annual return of your all investment (not the
annual return of your first $100).
You MUST also understand what is "3-year return". In Vanguard, it is annual
return in a three year period. If anybody (I guess many) has a Vanguard
account, please check it out.
If you still cannot understand. Let me tell you this. I contributed to my Vanguard account for less than 4 years. My total invest return is about 62%. How can I have only 10% annual return?
【在 w****n 的大作中提到】
: i don't think it is annual return rate.
: 我的etrade account,会给你特别注明，ave annual return
: 反而看看你的vanguard上，写的是 3 years return..
: 加上你买的两只股， 3 year ave annual return只有 11-12
: total 3 yrs 也是 35-38左右。
: 即使加上bond fund，你的return会更小，因为一般bond fund没有这么惊人的return,
: 你知道3 year ave annual 30% total是 220%啊，
: 我warren不是不是随便发抖的啊。
:
: most
|
J******s
发帖数: 913 | 24 Money invested in early 2009 got 70% annual return by now. Do you understand this?
【在 l*********e 的大作中提到】
: 可能算的2年
: 3年的话从08年初到现在肯定没有30%每年
: 如果从08年底算超过30%
: hoho
:
: 3=
|
T*********e
发帖数: 9208 | 25 o, 是DCA的。
但是你还是没有220% in 3 year的return
你比的是apple to orange.
mid-
the
annual
Vanguard account for less than 4 years. My total invest return is about 62%.
How can I have only 10% annual return?
【在 J******s 的大作中提到】
: I suggest you run a test. You contribute $100 each month to VISGX, from mid-
: 2007 to today. Then calculated what is the total value today. You would be
: surprised. Then you check the annual return of your all investment (not the
: annual return of your first $100).
: You MUST also understand what is "3-year return". In Vanguard, it is annual
: return in a three year period. If anybody (I guess many) has a Vanguard
: account, please check it out.
: If you still cannot understand. Let me tell you this. I contributed to my Vanguard account for less than 4 years. My total invest return is about 62%. How can I have only 10% annual return?
|
K****D
发帖数: 30533 | 26 I just checked my Vanguard account, the 3-year return is stated as an
"Annualized personal rate of return". So it is indeed APY.
mid-
the
annual
Vanguard account for less than 4 years. My total invest return is about 62%.
How can I have only 10% annual return?
【在 J******s 的大作中提到】
: I suggest you run a test. You contribute $100 each month to VISGX, from mid-
: 2007 to today. Then calculated what is the total value today. You would be
: surprised. Then you check the annual return of your all investment (not the
: annual return of your first $100).
: You MUST also understand what is "3-year return". In Vanguard, it is annual
: return in a three year period. If anybody (I guess many) has a Vanguard
: account, please check it out.
: If you still cannot understand. Let me tell you this. I contributed to my Vanguard account for less than 4 years. My total invest return is about 62%. How can I have only 10% annual return?
|
J******s
发帖数: 913 | 27 I didn't say 220% for every $ invested during the 3 years, but 220% return
for the $ invested 3 years ago. That is the definition of annual return rate.
On average,
$100 invested 3 years ago become $100*1.3^3
$100 invested 2 years ago become $100*1.3^2
$100 invested 1 years ago become $100*1.3
$100 invested today become $100
With 30% annual return, you don't ask the $100 invested today becomes $220
today.
%.
【在 T*********e 的大作中提到】
: o, 是DCA的。
: 但是你还是没有220% in 3 year的return
: 你比的是apple to orange.
:
: mid-
: the
: annual
: Vanguard account for less than 4 years. My total invest return is about 62%.
: How can I have only 10% annual return?
|
J******s
发帖数: 913 | 28 Thanks. I was not lying. Just curious, what are your return rates?
%.
【在 K****D 的大作中提到】
: I just checked my Vanguard account, the 3-year return is stated as an
: "Annualized personal rate of return". So it is indeed APY.
:
: mid-
: the
: annual
: Vanguard account for less than 4 years. My total invest return is about 62%.
: How can I have only 10% annual return?
|
T*********e
发帖数: 9208 | 29
rate.
这点肯定不可能了，上面已经贴了你那两种股票三年的增值，都只有11-12%
搞不清楚vanguard怎么算的，不过你这个30%估计是一种等价计算，如果你真把钱
全3年前投进去，可能还没有40% return.
【在 J******s 的大作中提到】
: I didn't say 220% for every $ invested during the 3 years, but 220% return
: for the $ invested 3 years ago. That is the definition of annual return rate.
: On average,
: $100 invested 3 years ago become $100*1.3^3
: $100 invested 2 years ago become $100*1.3^2
: $100 invested 1 years ago become $100*1.3
: $100 invested today become $100
: With 30% annual return, you don't ask the $100 invested today becomes $220
: today.
:
|
K****D
发帖数: 30533 | 30 -0.8% for 3 years. It was all cash for majority of the time intentionally.
I am a 401k hater.
1 year return is 2.0%.
【在 J******s 的大作中提到】
: Thanks. I was not lying. Just curious, what are your return rates?
:
: %.
|
|
|
J******s
发帖数: 913 | 31 You will do better. US $ is too cheap now. So it is good to hold more cash,
and buy dips when we have a market correction in the summer.
【在 K****D 的大作中提到】
: -0.8% for 3 years. It was all cash for majority of the time intentionally.
: I am a 401k hater.
: 1 year return is 2.0%.
|
w****n
发帖数: 1737 | 32 小姑娘不要急，听我给你分析，投资return里有两种， 一种是
time weighted, 另一种是money weighted. 前者比较好相互对比,一般fund都用这个，
后者考虑到你什么价位买入，买入和卖出资金的大小，一般个人return。但要注意，两
者都是annualize..很少有人return不annualize,太没有职业道德了。
我查的VISGX 3 yr ave annual return是 10%，是time weighted.
你说2007-mid 平均投资100/month 到现在，那是不可能有annual 30%的，
你看看我attached的monthly price chart就明白了。 因为这种投资和time weighted
的方式很相近。 如果你不信， 我给你算了一下
Time Share Cost Value Total Return% Ave Return%
6/1/07-4/1/11 4700 $82483 $117970 143% 9.57%
假设用3年5/1/08-4/1/11
5/1/08-4/1/11 3600 60886 90360 148% 14.07%
即使是你入场时间是最低1/1/09， 你的 ave return也是 最高到 17%
我相信你的annualized return是30% （money weighted)，可能就是你入场躲过
big fall,然后在最低点一次性买入就不动了， 这样是完全可能的。
mid-
the
annual
Vanguard account for less than 4 years. My total invest return is about 62%.
How can I have only 10% annual return?
【在 J******s 的大作中提到】
: I suggest you run a test. You contribute $100 each month to VISGX, from mid-
: 2007 to today. Then calculated what is the total value today. You would be
: surprised. Then you check the annual return of your all investment (not the
: annual return of your first $100).
: You MUST also understand what is "3-year return". In Vanguard, it is annual
: return in a three year period. If anybody (I guess many) has a Vanguard
: account, please check it out.
: If you still cannot understand. Let me tell you this. I contributed to my Vanguard account for less than 4 years. My total invest return is about 62%. How can I have only 10% annual return?
|
w****n
发帖数: 1737 | 33 easy easy, we just use two different return method
understand this?
【在 J******s 的大作中提到】
: Money invested in early 2009 got 70% annual return by now. Do you understand this?
|
w****n
发帖数: 1737 | 34 i see, if not , I will question Vanguard's professional quality. What kind o
f investment company provide return
which is not annualized. hehe
%.
【在 K****D 的大作中提到】
: I just checked my Vanguard account, the 3-year return is stated as an
: "Annualized personal rate of return". So it is indeed APY.
:
: mid-
: the
: annual
: Vanguard account for less than 4 years. My total invest return is about 62%.
: How can I have only 10% annual return?
|
w****n
发帖数: 1737 | 35 no one say you are lying, we just need to close the misunderstanding.
【在 J******s 的大作中提到】
: Thanks. I was not lying. Just curious, what are your return rates?
:
: %.
|
K****D
发帖数: 30533 | 36 I use 401k majorly to get the company match, and sometimes for tax planing.
Other than that, I found it least flexible for active management and
therefore I always give it the lowest priority in my portfolio. I do not
plan to change that.
,
【在 J******s 的大作中提到】
: You will do better. US $ is too cheap now. So it is good to hold more cash,
: and buy dips when we have a market correction in the summer.
|
J******s
发帖数: 913 | 37 I said, invest $100/month in VISGX. $4700 in 47 months, or $3600 in 3 years. Your calculation is not based on my
assumption.
Maybe you are right. I always adjusted my positions between stocks/bonds funds to maximize return and minimize risk.
weighted
【在 w****n 的大作中提到】
: 小姑娘不要急，听我给你分析，投资return里有两种， 一种是
: time weighted, 另一种是money weighted. 前者比较好相互对比,一般fund都用这个，
: 后者考虑到你什么价位买入，买入和卖出资金的大小，一般个人return。但要注意，两
: 者都是annualize..很少有人return不annualize,太没有职业道德了。
: 我查的VISGX 3 yr ave annual return是 10%，是time weighted.
: 你说2007-mid 平均投资100/month 到现在，那是不可能有annual 30%的，
: 你看看我attached的monthly price chart就明白了。 因为这种投资和time weighted
: 的方式很相近。 如果你不信， 我给你算了一下
: Time Share Cost Value Total Return% Ave Return%
: 6/1/07-4/1/11 4700 $82483 $117970 143% 9.57%
|
T*********e
发帖数: 9208 | 38 waste of free tax benefit a.
【在 K****D 的大作中提到】
: I use 401k majorly to get the company match, and sometimes for tax planing.
: Other than that, I found it least flexible for active management and
: therefore I always give it the lowest priority in my portfolio. I do not
: plan to change that.
:
: ,
|
K****D
发帖数: 30533 | 39 Currently my regular investment account is as good as tax free since I
had huge capital loss in 2008, which is a cushion for any type of
capital gain.
Also I always give Roth IRA a higher priority than 401k.
Both of them are much easier to trade.
【在 T*********e 的大作中提到】
: waste of free tax benefit a.
|
T*********e
发帖数: 9208 | 40 说的不是一码事
warren谈的是lump sum investment, 你的是DCA
annualized rate of return计算方法完全不一样，不具有可比行
http://peacefulgains.com/How-to-calculate-returns-with-dollar-c
DCA在有大坑的时候表现要好于lump sum
【在 J******s 的大作中提到】
: I said, invest $100/month in VISGX. $4700 in 47 months, or $3600 in 3 years. Your calculation is not based on my
: assumption.
: Maybe you are right. I always adjusted my positions between stocks/bonds funds to maximize return and minimize risk.
:
: weighted
|
|
|
J******s
发帖数: 913 | 41 I agree. the same amount of money can buy more shares. My investment is
based on DCA, just like most others' 401k investment. I think DCA is more
appropriate. |
K****D
发帖数: 30533 | 42 For the past 3 years, it is not a 大坑。The rising slope consists of almost
2/3.
I'd expect strict DCA to yield just somewhat higher than lump-sum, as warren
calculated.
The only explanation for JadeFan's high yield is that the vast majority of
her contribution happened after Mar 2009.
【在 T*********e 的大作中提到】
: 说的不是一码事
: warren谈的是lump sum investment, 你的是DCA
: annualized rate of return计算方法完全不一样，不具有可比行
: http://peacefulgains.com/How-to-calculate-returns-with-dollar-c
: DCA在有大坑的时候表现要好于lump sum
|
J******s
发帖数: 913 | 43 But this 坑 is very deep. DCA has a huge advantage.
About 50% of my invest was before March, mostly in late 2008. The other 50%
was mostly in late 2009. Both are good time for investing, although the best
time is early 2009.
almost
warren
【在 K****D 的大作中提到】
: For the past 3 years, it is not a 大坑。The rising slope consists of almost
: 2/3.
: I'd expect strict DCA to yield just somewhat higher than lump-sum, as warren
: calculated.
: The only explanation for JadeFan's high yield is that the vast majority of
: her contribution happened after Mar 2009.
|
T*********e
发帖数: 9208 | 44 DCA的计算方法不一样, 他总的return 可能只有60%, 但是等价的3年rate可能有就又30%
另外他选的股票也比较risky
VCVLX
Beta 1.41
R2 0.91
Standard Deviation 32.53
VISGX
Beta 1.23
R2 0.89
Standard Deviation 28.64
都是直上直下型的small/middle cap
warren估计比较保守一些，长期我还是看好warren的投资策略
almost
warren
【在 K****D 的大作中提到】
: For the past 3 years, it is not a 大坑。The rising slope consists of almost
: 2/3.
: I'd expect strict DCA to yield just somewhat higher than lump-sum, as warren
: calculated.
: The only explanation for JadeFan's high yield is that the vast majority of
: her contribution happened after Mar 2009.
|
K****D
发帖数: 30533 | 45 "50% mostly in late 2008." That explains all.
Trust me, pure DCA from mid 2007 till now has NO WAY of getting 30% APY.
I am just too lazy to compute. But I have been doing YTD weekly show off
for the past 5 years, so I know how the numbers should look like.
Think about it this way: if you were doing DCA, you will only have about
10% of your money contributed at the "good moments" -- late 2008 till
early 2009. The rest 90%, at not so attractive prices. Sure, it still beats
lumpsum in the middle of 2007 due to the 大坑。
%
best
【在 J******s 的大作中提到】
: But this 坑 is very deep. DCA has a huge advantage.
: About 50% of my invest was before March, mostly in late 2008. The other 50%
: was mostly in late 2009. Both are good time for investing, although the best
: time is early 2009.
:
: almost
: warren
|
K****D
发帖数: 30533 | 46 I know how it is computed. I used EXCEL to compute manually (the XIRR
function). What I am saying is that one can roughly estimate the DCA APY
just by looking at the shape of the NAV curve. For me, mid-2007
till now DCA on VISGX cannot get 30% APY (which is its past 1-year return,
where it shoot straight up).
30%
【在 T*********e 的大作中提到】
: DCA的计算方法不一样, 他总的return 可能只有60%, 但是等价的3年rate可能有就又30%
: 另外他选的股票也比较risky
: VCVLX
: Beta 1.41
: R2 0.91
: Standard Deviation 32.53
: VISGX
: Beta 1.23
: R2 0.89
: Standard Deviation 28.64
|
T*********e
发帖数: 9208 | 47 vcvlx两年长了3倍，还有有可能的
【在 K****D 的大作中提到】
: I know how it is computed. I used EXCEL to compute manually (the XIRR
: function). What I am saying is that one can roughly estimate the DCA APY
: just by looking at the shape of the NAV curve. For me, mid-2007
: till now DCA on VISGX cannot get 30% APY (which is its past 1-year return,
: where it shoot straight up).
:
: 30%
|
J******s
发帖数: 913 | 48 I agree. How about from mid-2008 to now? I guess 20%+ APY is very possible.
BTW, my market timing was successful. I can sense when to reduce risk and
switch to bonds.
【在 K****D 的大作中提到】
: I know how it is computed. I used EXCEL to compute manually (the XIRR
: function). What I am saying is that one can roughly estimate the DCA APY
: just by looking at the shape of the NAV curve. For me, mid-2007
: till now DCA on VISGX cannot get 30% APY (which is its past 1-year return,
: where it shoot straight up).
:
: 30%
|
K****D
发帖数: 30533 | 49 For these curves:
Any contribution that happened during the straight shooting up, will get
good return (like 30% APY or more).
Any contribution that happened before that, will not get as good return.
The final APY is an weighted average of the returns from each contribution.
The more contribution during the 下坡 period, the lower the overall APY
would be.
In JadeFan's case, almost all her contributions happened near the bottom
or past the bottom, after which it's a straight slope. That's why her
overall return is very high.
【在 T*********e 的大作中提到】
: vcvlx两年长了3倍，还有有可能的
|
w****n
发帖数: 1737 | 50 ok, i assume you invest 100 stock each month.
fine, I switch to your way, which invest $100 in each month
here is the calculation
cost total value total return, ave
6/1/2007-4/1/2011 $4,700 280.89 $7,050 150% 10.91%
as I told you , time weighted or similar way only give you 10% ave return,
which is very good already. Money weighted return is totally different
years. Your calculation is not based on my
funds to maximize return and minimize risk.
【在 J******s 的大作中提到】
: I said, invest $100/month in VISGX. $4700 in 47 months, or $3600 in 3 years. Your calculation is not based on my
: assumption.
: Maybe you are right. I always adjusted my positions between stocks/bonds funds to maximize return and minimize risk.
:
: weighted
|
|
|
K****D
发帖数: 30533 | 51 Looks like so, or even higher.
Basically the highest return would be lumpsum in Mar 2009.
However, if one DCA from Mar 2009 till now, the return won't be much lower,
since it has been a straight slope.
【在 J******s 的大作中提到】
: I agree. How about from mid-2008 to now? I guess 20%+ APY is very possible.
: BTW, my market timing was successful. I can sense when to reduce risk and
: switch to bonds.
|
w****n
发帖数: 1737 | 52 very important to remember 401K
tax benefit
company match
and last but not least, long time frame means high risk tolerance.
don't do too much active management in 401K as it is long term. Mine is
quarterly re-attributed in usual or monthly in market active time.
【在 K****D 的大作中提到】
: I use 401k majorly to get the company match, and sometimes for tax planing.
: Other than that, I found it least flexible for active management and
: therefore I always give it the lowest priority in my portfolio. I do not
: plan to change that.
:
: ,
|
w****n
发帖数: 1737 | 53
,
totally not agree, Equity market is on the rise, don't hold on cash, it is
better off to buy and hold rather than wait for correction.
【在 J******s 的大作中提到】
: You will do better. US $ is too cheap now. So it is good to hold more cash,
: and buy dips when we have a market correction in the summer.
|
K****D
发帖数: 30533 | 54 The only things I have done in 401k so far is
1) all cash
or
2) indexing
I don't even rebalance, lol.
Many of the funds in my 401k, if I sell them, I can't buy back in
1-12 months without penalty.
【在 w****n 的大作中提到】
: very important to remember 401K
: tax benefit
: company match
: and last but not least, long time frame means high risk tolerance.
: don't do too much active management in 401K as it is long term. Mine is
: quarterly re-attributed in usual or monthly in market active time.
|
w****n
发帖数: 1737 | 55 I agree with you,
there is no way DCA can get such high APY.
【在 K****D 的大作中提到】
: I know how it is computed. I used EXCEL to compute manually (the XIRR
: function). What I am saying is that one can roughly estimate the DCA APY
: just by looking at the shape of the NAV curve. For me, mid-2007
: till now DCA on VISGX cannot get 30% APY (which is its past 1-year return,
: where it shoot straight up).
:
: 30%
|
w****n
发帖数: 1737 | 56
most 401K provide indexing on various class, bond, equity (growth, value,
small/mid/large cap， us/international,balanced), REIT, etc. Hopefully you
are not just investing equity market index.
Never have cash in 401K, this is totally against what you try to get from
401k --- remember tax benefit and long term time frame with biggest risk
tolerance.
usually there is an option that you can choose to invest on funds outside
limited funds provided by your program. I did that with my two employer. For
example, they don't provide to double down USD, short bonds, or long
precious metal. All of them are critical to beat long term inflation.
【在 K****D 的大作中提到】
: The only things I have done in 401k so far is
: 1) all cash
: or
: 2) indexing
: I don't even rebalance, lol.
: Many of the funds in my 401k, if I sell them, I can't buy back in
: 1-12 months without penalty.
|
K****D
发帖数: 30533 | 57 IRA has all these functions and is much more flexible. I do much more
active management in IRA.
All 401k money will be taxed when you cash out. And for most people
their 401k size is much larger than Roth IRA. For that reason I prefer
Roth as an investment tool much more than 401k.
I did not keep all cash in 401k for vain. 401k is just part of my
overall portfolio, and I kept all cash to balance out my overall
risk. Unlike many other people, since I mainly use 401k to get company
match, my 401k size is not big so I can afford doing that.
In my opinion, 401k is the worst investment tool in the sense of active
management -- lack of choices, restrictions in trading, etc.
you
For
【在 w****n 的大作中提到】
:
: most 401K provide indexing on various class, bond, equity (growth, value,
: small/mid/large cap， us/international,balanced), REIT, etc. Hopefully you
: are not just investing equity market index.
: Never have cash in 401K, this is totally against what you try to get from
: 401k --- remember tax benefit and long term time frame with biggest risk
: tolerance.
: usually there is an option that you can choose to invest on funds outside
: limited funds provided by your program. I did that with my two employer. For
: example, they don't provide to double down USD, short bonds, or long
|
s**********d
发帖数: 36899 | 58 2005秋至今 6.3% annualized.
其中08年-24%... |
p*t
发帖数: 114 | 59
This is indeed an excellent performance.
【在 J******s 的大作中提到】
: We had a huge bull market. 10% annual return is too low.
|
s**********e
发帖数: 860 | 60 how do you view performance beyond 5-yr in vanguard acct? |
