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I've seen a decent recovery in my portfolio

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  • Randomsaver
    replied
    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.

    Leave a comment:


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

    Leave a comment:


  • srblanco7
    replied
    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.

    Leave a comment:


  • riverwed070707
    replied
    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

    Leave a comment:


  • srblanco7
    replied
    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.

    Leave a comment:


  • riverwed070707
    replied
    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

    Leave a comment:


  • Randomsaver
    replied
    Sadly ours do not allow backdoor.

    Leave a comment:


  • LivingAlmostLarge
    replied
    so did i. I'm not down a lot turns out. I am waiting for my roth deposits to clear the backdoor rollover

    Leave a comment:


  • disneysteve
    replied
    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.

    Leave a comment:


  • bjl584
    started a topic I've seen a decent recovery in my portfolio

    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...
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