- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Winter Olympics
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
What is your “lifetime” return on your investments?
Posted on 4/3/23 at 2:28 pm
Posted on 4/3/23 at 2:28 pm
In the spirit of long-term return is the only one that really matters…
What is your k?
(1+k)^n
If you are using your money to make money, for the sake of this post, count it towards your “investments”.
Whatever is your n (number of years you have been investing…1, 5, 20, 30+, whatever)
I’m north of 25 yrs in and estimate lifetime ROI is between 6-7%, incl dark times of early 2000s, 2008 and pandemic.
For context. I am a Boglehead by nature and believe discipline over long period of time beats inordinate amounts of precious time trying to find ways to increase ROI.
Our goal is to have ENOUGH $ to do what we want, when we want, with whom we want, for as long as we want. 4% gets and keeps us there. Positive but we’ll see.
Curious how others are doing and view points.
What is your k?
(1+k)^n
If you are using your money to make money, for the sake of this post, count it towards your “investments”.
Whatever is your n (number of years you have been investing…1, 5, 20, 30+, whatever)
I’m north of 25 yrs in and estimate lifetime ROI is between 6-7%, incl dark times of early 2000s, 2008 and pandemic.
For context. I am a Boglehead by nature and believe discipline over long period of time beats inordinate amounts of precious time trying to find ways to increase ROI.
Our goal is to have ENOUGH $ to do what we want, when we want, with whom we want, for as long as we want. 4% gets and keeps us there. Positive but we’ll see.
Curious how others are doing and view points.
9
Posted on 4/3/23 at 3:25 pm to Turf Taint
Posted on 4/3/23 at 3:48 pm to Turf Taint
Posted on 4/3/23 at 4:06 pm to Turf Taint
quote:
6-7%
6.1-7.1%
Posted on 4/3/23 at 4:15 pm to Turf Taint
I don't have the data I'd need to do that calculation over that extended time period. I'm too lazy to estimate it. I only started tracking it since 2017.
Posted on 4/4/23 at 9:44 pm to Turf Taint
quote:
Our goal is to have ENOUGH
How much is enough and how long will you need enough?
Posted on 4/5/23 at 5:08 pm to La Place Mike
quote:
Enough
How much?
$ x 0.035 = annual income that will provide today’s lifestyle (that is actually more than enough) and not tap the principle, in doing so. Getting close.
How long?
40 yrs (won’t outlive that)
Posted on 4/5/23 at 5:16 pm to Turf Taint
quote:
$ x 0.035
What does "$" equal?
Posted on 4/5/23 at 6:33 pm to La Place Mike
Enough.
Said that already.
Said that already.
Posted on 4/5/23 at 8:57 pm to Turf Taint
quote:
Enough
Gibberish.
Posted on 4/5/23 at 10:15 pm to Turf Taint
Hard for me to track because I was on Scottrade before TDA acquired, but my CAGR since 2017 is 35.7% across all accounts.I have been trading off and on since 2012 though so I would imagine that is lower from the beginning. I treat it as a job though, every second of free time I have is dedicated to financial markets.
Posted on 4/6/23 at 11:34 am to La Place Mike
quote:
Gibberish
Richest man in grave yard thinking need not apply here.
I have an end point. Enough!
When I have as much as I need to do what I want, when I want, with whom I want for as long as I want. The end.
It’s a real number. I don’t share.
And the good news, in striking distance. Will see.
This post was edited on 4/6/23 at 11:36 am
Posted on 4/6/23 at 2:17 pm to Turf Taint
quote:
I’m north of 25 yrs in and estimate lifetime ROI is between 6-7%, incl dark times of early 2000s, 2008 and pandemic.
I've been tracking my portfolio performance back to 2008 using Google spreadsheet and XIRR. I track by individual year and annualized. My current annualized return for the last 15 years is 8.2%.
With this spreadsheet I don't track individual investments, only the portfolio as a whole. The aggregate data is what matters to me. As a fellow Boglehead, 80-90% of my investments are in low cost index funds anyway. So I can just look at the asset class if I wanted a specific ROI.
It's no coincidence that I started tracking in 2008. After the crash, I decided it was time to get serious about my investing. The problem wasn't saving enough; I've been saving at least 20% of my gross income since day 1 of working. My problem at the time, I didn't really have an investing plan and I had no idea how my portfolio was doing overall. I had accounts at several different places and didn't really pay attention.
In 2008 is when I learned about Bogleheads and decided to mainly use low cost index funds. Also this is when I consolidated my accounts at Fidelity to better track my performance. I created the spreadsheet a few years later but could only easily get statements back to 2008 at Fidelity. So that's what I use as my starting point.
I started working during the 2000 dot com bust so not sure how that would affect my performance overall. Back then I did alot more individual stocks and would make more rash decisions.
Posted on 4/6/23 at 2:26 pm to Turf Taint
At age 61, the following for me are true:
a) Attempting to precisely figure my lifetime ROI out precisely would impossible due to me being relatively ancient, a house fire, & Katrina.
b) I've got enough assets to stop working today and live comfortably until I die, so it doesn't contextually matter to me.
Somewhere north of 3.50% would actually be correct.
a) Attempting to precisely figure my lifetime ROI out precisely would impossible due to me being relatively ancient, a house fire, & Katrina.
b) I've got enough assets to stop working today and live comfortably until I die, so it doesn't contextually matter to me.
Somewhere north of 3.50% would actually be correct.
Posted on 4/6/23 at 7:32 pm to Turf Taint
I can only get easy access back to January 1 2009 which conveniently leaves out 2008 but in that 15 year period the portfolio is up 13.28 percent. Of course this is also including ongoing contributions throughout that time.
I have thrown a little cash at an occasional dip 10-20 K 2-3 times but most all is dollar cost averaging every two weeks in low expense ratio ETFs
I have not run to cash and I have not stopped contributions in my career.
I have thrown a little cash at an occasional dip 10-20 K 2-3 times but most all is dollar cost averaging every two weeks in low expense ratio ETFs
I have not run to cash and I have not stopped contributions in my career.
Posted on 4/6/23 at 8:31 pm to agilitydawg
Who knows… most modern one that tracks for me is 136% in an IRA I started about 7-8 years ago, and it’s still about 50% down from peak a few years ago
Posted on 4/6/23 at 9:18 pm to agilitydawg
quote:
Of course this is also including ongoing contributions throughout that time.
That's why I use XIRR. With XIRR, you include contributions and withdrawals to accurately reflect performance. I do the lazy method of totaling up the contributions for the year and put it all on one date (July 1) instead of reporting each contribution separately.
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News