How r your investments doing (Calendar Year Total Returns) so far? your fund symbol?

[savingdealz]

It is my Calendar Year Total Returns from Trowe Price. This is my equity fund for roth IRA. My fund hasn't performed well . How about yours?

PRFDX
2007 3.30%
2008 -35.75%
2009 25.62%
2010 15.15%
2011 -0.72%

[Petunia 100]

It is my Calendar Year Total Returns from Trowe Price. This is my equity fund for roth IRA. My fund hasn't performed well . How about yours?

PRFDX
2007 3.30%
2008 -35.75%
2009 25.62%
2010 15.15%
2011 -0.72%

Hasn't performed well in comparison to what? Morningstar says it has performed very well relative to its category (large value). See the comparison here:

T. Rowe Price Equity Income (PRFDX) Fund Performance and Returns

Your individual return is impacted by exact dates you buy your shares, so your individual results will vary from the fund's results.

I think this is a good fund, but it is not appropriate as an only fund. You need more than just US large value in your portfolio.

[97guns]

my 2 holdings are real estate and precious metal, calendar returns for the 2 are


real estate
2009 0% equity gain with a 15% ROI
2010 9% equity gain with a 15% ROI
2011 5% equity gain with a 15% ROI


metals
2010 90%
2011 0%
2012 -3%

[jpg7n16]

my 2 holdings are real estate and precious metal, calendar returns for the 2 are


real estate
2009 0% equity gain with a 15% ROI
2010 9% equity gain with a 15% ROI
2011 5% equity gain with a 15% ROI

That's like someone posting that they invested $100,000 several years back which has grown to $400,000 since then, and instead of saying that it is getting a 3% dividend yield, saying 12% ROI.

Very misleading.

How exactly did you calculate that figure?

[97guns]

250K invested in RE and getting 46K in rents, after expenses netting 15% on my money. how else do you figure returns on RE, id like to know.....

[jpg7n16]

how else do you figure returns on RE, id like to know.....

Take those returns after expenses divided by current market value, not invested capital. That's how people evalutate their portfolios.

Also didn't know if you accounted for property taxes, mortgage interest (if any), home insurance, liability insurance, property management fees (if any), repairs, etc. - or if you were just taking strictly rental income.

[amarowsky]

This is my 401k through vanguard with my company. This year i recenetly rounded it off with some different funds, so I think im divided into about 8 now.

Price as of YTD returns Average Total return as of 7//31/2012
8/16/2012 as of 8/16/2012
Price Change 1 Year 5 Year

VTINX
0308 $12.07 $0.01 5.49% 5.93% 5.32%
Western Asset Core Bond I WATFX
7248 $12.21 –$0.01 5.68% a 7.59% 7.42%
Balanced Funds (Stocks and Bonds)
Vanguard Wellington Fund Admiral VWENX
0521 $58.34 $0.22 9.36% 8.28% 4.24%
Domestic Stock Funds
Royce Premier Invmt RYPRX
1646 $19.39 $0.22 0.81% a –5.57% 4.13%
Vanguard Growth Index Fund Inst VIGIX
0868 $36.73 $0.33 16.23% 8.61% 3.69%
Vanguard Inst Index Fund Inst VINIX
0094 $130.04 $0.92 14.13% 9.11% 1.16%
Vanguard Windsor II Fund Adm VWNAX
0573 $51.35 $0.28 13.55% 9.68% –0.14%
International Stock Funds
Vanguard International Growth Adm VWILX
0581 $57.54 $0.63 10.68% –10.95% –2.59%
Client-Specific Funds
Norfolk Southern Stk Fd —
3516 $25.01 –$0.01 3.87% 0.26% 9.14%



Thats what I'm rounded off in. My YTD returns are pretty bad, I think overall for 2012 -3.8% but in the past three years including 2012 since I've had the plan I've averaged an overall 5.8% which is not bad in my opinion. Especially considering how crap the market has been overall.

[amarowsky]

wow that format came out like crap, and i worked so hard on it!.
As the numbers read per line it goes
Current price as of today - Todays Change - YTD return - Total annual return 1yr/5yr

[kv968]

Take those returns after expenses divided by current market value, not invested capital. That's how people evalutate their portfolios.

I don't understand what you mean here.

Why would he divide his returns by current market value? Shouldn't he take the difference between current market value of the properties and what he paid for them (i.e. capital gains) add in the net rent (i.e dividends) and then divide by the amount originally invested? That's how you come up with a percentage gain or loss on a stock.

[disneysteve]

In no particular order:

VFIAX 14.12%
VIGAX 12.20%
VGHCX 8.97%
VTIAX 4.08%
VBTLX 2.59%
HRTVX 4.75%
JANDX 15.11%
OPGSX -10.47%
CSRSX 14.44%

Not a bad showing so far. Our largest holdings are also among those with the best returns on the list while the one negative return is also a tiny sliver of our portfolio so the overall return is good.

[humandraydel]

I don't understand what you mean here.

Why would he divide his returns by current market value? Shouldn't he take the difference between current market value of the properties and what he paid for them (i.e. capital gains) add in the net rent (i.e dividends) and then divide by the amount originally invested? That's how you come up with a percentage gain or loss on a stock.

Apples and oranges. You are talking about appreciation of an asset, and jpg is essentially talking about yield on the investment - both different "versions" of ROI, mind you. You would divide by the current market value because, theoretically, you could liquidate the real estate and immediately buy another income producing asset (with a higher yield). A big theoretically, obviously, which makes comparing ROI between something like illiquid physical real estate (compared to an REIT, which you CAN sell immediately) to a liquid stock or bond very difficult at best, and meaningless at worst.

[jpg7n16]

I don't understand what you mean here.

Why would he divide his returns by current market value? Shouldn't he take the difference between current market value of the properties and what he paid for them (i.e. capital gains) add in the net rent (i.e dividends) and then divide by the amount originally invested? That's how you come up with a percentage gain or loss on a stock.

That's how you calculate holding period return, not calendar/annual return.

Can you tell me how you calculate the current annual dividend yield on stocks you own? Do you use current market value? Or your cost basis from 20 years ago?

If you bought a stock back in 1980 for $10/share, and it's worth $50/share today - if it pays a $3/share dividend, did you make 30% or 6% this year?

[disneysteve]

A big theoretically, obviously, which makes comparing ROI between something like illiquid physical real estate (compared to an REIT, which you CAN sell immediately) to a liquid stock or bond very difficult at best, and meaningless at worst.

I was going to say the same. It is simple to calculate the return on a stock or mutual fund because it has a set value that I can realize very quickly. The current value of a real estate holding is very much an estimate as it could take weeks or months to sell and the price could be substantially lower than the estimate. Plus there will be costs associated with the sale that will reduce the actual yield. There are zero costs for me to sell shares of a mutual fund and a very nominal fee ($7) to sell shares of stock that I own.

[kv968]

Apples and oranges. You are talking about appreciation of an asset, and jpg is essentially talking about yield on the investment - both different "versions" of ROI, mind you. You would divide by the current market value because, theoretically, you could liquidate the real estate and immediately buy another income producing asset (with a higher yield). A big theoretically, obviously, which makes comparing ROI between something like illiquid physical real estate (compared to an REIT, which you CAN sell immediately) to a liquid stock or bond very difficult at best, and meaningless at worst.

That's how you calculate holding period return, not calendar/annual return.

Can you tell me how you calculate the current annual dividend yield on stocks you own? Do you use current market value? Or your cost basis from 20 years ago?

If you bought a stock back in 1980 for $10/share, and it's worth $50/share today - if it pays a $3/share dividend, did you make 30% or 6% this year?

Now I see what you guys are talking about. I was thinking more along the lines of total holding period return.