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Re: How am I doing OCU ?

By: oldCADuser in FFFT | Recommend this post (0)
Mon, 06 Jan 14 11:39 AM | 31 view(s)
Boardmark this board | Food For Further Thought 		Msg. 59708 of 65535
(This msg. is a reply to 59703 by Zimbler0)
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Note that the figures I provided relative to my 401k was the return on the investment itself. This did NOT include the contributions made by myself nor the employer matching, that was above and beyond the nearly 13% that the account returned. And it's true that it did not perform as well as the S&P, as it did include that rather large (nearly 40%) money market hedge. Granted, if I had put it all in an index fund I might have done much better, but 3 years ago if I had put all my money into one of the international growth funds that I was only putting 10% of my new money into at the time, I could have had a return of nearly 70%. Of course, this year, that same fund barely returned 5%. But then that's why you diversify isn't it?

Anyway, I'm glad to see that you too are satisfied with your investment decisions and I hope that this coming year will be as rewarding for you, if not more so.




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The above is a reply to the following message:
How am I doing OCU ?
By: Zimbler0 in FFFT
Mon, 06 Jan 14 6:51 AM 		Msg. 59703 of 65535

For years now,
I have been running my own personal pretend mutual
fund. Pretending as if my tax paid investment grade
assets were a mutual fund. Buying imaginary shares
when I buy real shares of something, and selling
imaginary shares when I sell - or when I get a dividend.

And, of course, calculating a NAV once a week.

At the end of 2012 my NAV was $13.83. At the end
of 2013 it was 16.48. I figure about a 21% increase.

Not particularly good, when the S&P reportedly ran
close to 30% . . . But some 14% of my imaginary mutual
fund is in bond funds, and another 20% is in power
companies. I am not disappointed.

My 401K was up 20% for the year - but, to be honest,
me and my employer was putting money in it all year.
After subtracting what we put in from the gain, it was
up 17%. Again, sucks compared to the markets, but
my 401K is some 30% bonds . . . . Again, I am not
disappointed.

Zim.

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