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I've seen a decent recovery in my portfolio

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    I've seen a decent recovery in my portfolio

    I looked at my accounts last night and I've recouped quite a bit of my losses from December's crash.
    I hope no one out there panic sold...
    Brian

    #2
    Lots of people panic sold. There was one thread here about it. I held steady though, as I said in that thread, once prices bounced back I did make some changes and got rid of a fund Iíve been thinking about selling anyway and trimmed back on another.
    Steve

    * Despite the high cost of living, it remains very popular.
    * Why should I pay for my daughter's education when she already knows everything?
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      #3
      so did i. I'm not down a lot turns out. I am waiting for my roth deposits to clear the backdoor rollover
      LivingAlmostLarge Blog

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        #4
        Sadly ours do not allow backdoor.
        Kill the debt, before it kills you!

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          #5
          Was just about to pop on and see how people's portfolios were doing. I've had a decent bounce back this month. Without any contributions yet, I'm up 2% for Jan but over the last 12 months, my gains are less than my contributions...can't figure out if that's actually a negative ROI or still positive since my end is still higher than my start. My math brain isn't working. Does anyone have a calc for this or want to crunch the numbers for me? Seems like it shouldn't be that complicated but I do believe in the 10 years since I started my 401k this is the first time my end balance wasn't higher than my start + contributions.

          Start: $147,134
          End: $158,053
          Contributions: $15,334

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            #6
            Originally posted by riverwed070707 View Post
            Was just about to pop on and see how people's portfolios were doing. I've had a decent bounce back this month. Without any contributions yet, I'm up 2% for Jan but over the last 12 months, my gains are less than my contributions...can't figure out if that's actually a negative ROI or still positive since my end is still higher than my start. My math brain isn't working. Does anyone have a calc for this or want to crunch the numbers for me? Seems like it shouldn't be that complicated but I do believe in the 10 years since I started my 401k this is the first time my end balance wasn't higher than my start + contributions.

            Start: $147,134
            End: $158,053
            Contributions: $15,334
            If you subtract your contributions from your End value, the result is $142,719. Comparing that value with the Start value you provided, indicates a negative ROI of approximately 3% exclusive of your contributions.

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              #7
              Originally posted by srblanco7 View Post

              If you subtract your contributions from your End value, the result is $142,719. Comparing that value with the Start value you provided, indicates a negative ROI of approximately 3% exclusive of your contributions.
              Thatís what I was thinking. Thanks. Did my 401k just do exceptionally poorly or is this a common trend this year? Itís company managed

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                #8
                Originally posted by riverwed070707 View Post

                Thatís what I was thinking. Thanks. Did my 401k just do exceptionally poorly or is this a common trend this year? Itís company managed
                I don't believe that your results would be uncommon for returns over the prior year (for funds invested in the stock market). Using the Vanguard Total Stock Market Index fund as a surrogate for comparison, that fund is down approximately 7% over the last year.

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                  #9
                  I added 7% allocation to stocks during the month of Dec but still far below what I call a normal level.

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                    #10
                    Originally posted by riverwed070707 View Post
                    Was just about to pop on and see how people's portfolios were doing. I've had a decent bounce back this month. Without any contributions yet, I'm up 2% for Jan but over the last 12 months, my gains are less than my contributions...can't figure out if that's actually a negative ROI or still positive since my end is still higher than my start. My math brain isn't working. Does anyone have a calc for this or want to crunch the numbers for me? Seems like it shouldn't be that complicated but I do believe in the 10 years since I started my 401k this is the first time my end balance wasn't higher than my start + contributions.

                    Start: $147,134
                    End: $158,053
                    Contributions: $15,334
                    You did very well considering last year's massacre.
                    Kill the debt, before it kills you!

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