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  • Nov 12th, 2017 10:16 pm
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Deal Addict
Sep 7, 2004
1231 posts
230 upvotes
Toronto
The previous majority of the year has been really depressing. I've been teetering on a negative return on XIC, VUS, VTI. Only my international funds (IEFA, IEMG) have been doing ok but Sept and Oct really saved it. Im up 8% now and hoping for a sustained rally into the holidays. Agree that 2018 has a lot of headwinds that I'm not looking forward to... but maybe a good buying opportunity!
Deal Fanatic
Mar 24, 2008
5169 posts
1206 upvotes
Toronto
freilona wrote:
Nov 2nd, 2017 12:32 am
Will join the bragging contest (with an aggressive, mostly passive portfolio):

YTD 12.1%
1 year 16.5%
3 years* 10.4%

Before potatoes turned into pumpkins.. lol
Stay the course!
Illegitimi non carborundum
[OP]
Newbie
Sep 18, 2017
29 posts
34 upvotes
Shaun80 wrote:
Nov 1st, 2017 4:59 pm
60 percent is not going to happen with index funds etf portfolio, nevertheless i'm happy with my 12 percent year to date couch potato ytd so far.
Me too! And $527k increase in a 12 month period. Smiling Face With Open Mouth
Deal Addict
Jul 18, 2016
1833 posts
666 upvotes
FUMONEY wrote:
Nov 2nd, 2017 11:00 am
Me too! And $527k increase in a 12 month period. Smiling Face With Open Mouth
Come on! You are in Canada, now. Stop expressing your increases in Yen. :) :) :)
Member
Jun 17, 2009
472 posts
24 upvotes
Vancouver
FUMONEY wrote:
Nov 2nd, 2017 11:00 am
Me too! And $527k increase in a 12 month period. Smiling Face With Open Mouth
So that means you have a portfolio of $4,663,716.81 + $527,000.00 = $5,190,716.81. Impressive! Congrats.

My trading portfolio YTD jumped from 5.67% (Sep) to 16.29% (Oct) and I've been inactive last few months. But I have like low six figures portfolio.
Personal Finance Blog
http://penniesatplay.blogspot.ca
Deal Addict
May 31, 2007
4299 posts
1439 upvotes
freilona wrote:
Nov 2nd, 2017 12:32 am
Will join the bragging contest (with an aggressive, mostly passive portfolio):

YTD 12.1%
1 year 16.5%
3 years* 10.4%

Before potatoes turned into pumpkins.. lol
That's pretty good seems you've come a long way now.
Member
User avatar
Nov 26, 2014
290 posts
57 upvotes
Quebec
Germack wrote:
Oct 31st, 2017 10:24 pm
Yes, crazy 1.5 months. My Year to date rate of return jumped from 2.7% to 11.7%.
Do you know if there is a way to see my YTD on RBC Direct Investing? It seems to update only at the begining of each month.
Deal Addict
Oct 1, 2006
1687 posts
649 upvotes
Montreal
p0nk1n wrote:
Nov 2nd, 2017 3:03 pm
Do you know if there is a way to see my YTD on RBC Direct Investing? It seems to update only at the begining of each month.
Sorry, no idea. I am with TD.
[OP]
Newbie
Sep 18, 2017
29 posts
34 upvotes
pchi wrote:
Nov 2nd, 2017 12:06 pm
So that means you have a portfolio of $4,663,716.81 + $527,000.00 = $5,190,716.81. Impressive! Congrats.

My trading portfolio YTD jumped from 5.67% (Sep) to 16.29% (Oct) and I've been inactive last few months. But I have like low six figures portfolio.
Sorry that number was completely misleading as the $527k includes contributions. 12% XIRR though and first year where portfolio growth (excluding contributions) is healthy six figures.
Sr. Member
User avatar
Aug 4, 2014
993 posts
173 upvotes
Toronto, ON
The most recent guidelines indicate that a moderately risky balanced portfolio of stocks and bonds is likely to generate a return of 3.9 per cent after fees.

Most of us should at least consider the possibility that the pros are right and adjust our planning accordingly. If so, four strategies could make sense.

One is to save more to compensate for the lower returns we'll be getting in future. This is no doubt the most robust strategy, but it hinges on having the necessary financial flexibility to put away more money.

Another strategy is to take more risk in pursuit of higher returns. The only problem here is that risk is, well, risky. Unless you can handle the volatility, you should think again.

A third strategy is to consider a more frugal retirement. If your portfolio doesn't produce quite the results you hope, it helps to have a backup plan.

The final and most universally applicable strategy is to keep a close eye on your investing costs. In a low-return world, it pays to find ways to ensure more of the meagre profits go into your pocket.
(c) Investors should not assume the stock-market spectacle can continue
Deal Fanatic
Mar 24, 2008
5169 posts
1206 upvotes
Toronto
3.9% isn't bad as long as we have < 2.5% inflation, if it goes higher, we are screwed!

Time to save more aggressively and plan for a more frugal retirement, I guess. Also, can't be gambling any more money on shitty stocks such as ZCL Disappointed But Relieved Face :lol:
Illegitimi non carborundum
Sr. Member
User avatar
Aug 4, 2014
993 posts
173 upvotes
Toronto, ON
ksgill wrote:
Nov 6th, 2017 7:08 pm
Time to save more aggressively and plan for a more frugal retirement, I guess. Also, can't be gambling any more money on shitty stocks such as ZCL Disappointed But Relieved Face :lol:
I really-really-really want one of these: Catalina 310. So current plan hubby working longer while I "take more risk in pursuit of higher returns" :D

(Would you like to buy my XTC and half a dozen super-losers while you feel charitable? At least you had a stop loss.. :))
Deal Fanatic
Mar 24, 2008
5169 posts
1206 upvotes
Toronto
freilona wrote:
Nov 6th, 2017 7:20 pm
I really-really-really want one of these: Catalina 310. So current plan hubby working longer while I "take more risk in pursuit of higher returns" :D

(Would you like to buy my XTC and half a dozen super-losers while you feel charitable? At least you had a stop loss.. :))
That boat looks great and is not very expensive. I think you should go for it if you think you'll use it.

In terms of losing stocks, I haven't dabbled in individual stocks for so long that I forgot how fast they drop (and gain). So it's a good lesson on how not to gamble and stick to buying my boring index funds.
Illegitimi non carborundum

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