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You went 100% Stocks after August? 50% before that?
Leverage in 401K?
Used leveraged ETFs on the S&P500 at times.. especially after the decline. Did try shorting a few time but was too early (like around march and april) and lost a few % there.
Used leveraged ETFs on the S&P500 at times.. especially after the decline. Did try shorting a few time but was too early (like around march and april) and lost a few % there.
why just a 401k? a good plan only uses a 401k for the income generating stuff, everything else should be in vehicles they do best in . equities do better outside the 401k where you get taxed at only a max of 15% and can write off loses.
if anything it should be the return you got overall on all your money .
i like how people buy 1 or 2 stocks or funds and then they go up and they are proud of their 10% return but it represents only a tiny part of their total money . even if they were the next peter lynch it wouldnt have an effect overall on their total assets.
when taken as a whole these folks who raved about their 10% return made like 1% overall.
a plan like mine encompasses every penny and runs by design about 1/4 to 1/3 cash at this stage of my life. the funds i have did well but the overall return will be much lower so what good does it do to compare with others.
sorry but i dont see much use in comparing 401k returns . its like comparing salaries without considering expenses to determine how someone is doing financially.
Last edited by mathjak107; 01-04-2012 at 03:37 AM..
why just a 401k? a good plan only uses a 401k for the income generating stuff, everything else should be in vehicles they do best in . equities do better outside the 401k where you get taxed at only a max of 15% and can write off loses.
if anything it should be the return you got overall on all your money .
i like how people buy 1 or 2 stocks or funds and then they go up and they are proud of their 10% return but it represents only a tiny part of their total money . even if they were the next peter lynch it wouldnt have an effect overall on their total assets.
when taken as a whole these folks who raved about their 10% return made like 1% overall.
a plan like mine encompasses every penny and runs by design about 1/4 to 1/3 cash at this stage of my life. the funds i have did well but the overall return will be much lower so what good does it do to compare with others.
sorry but i dont see much use in comparing 401k returns . its like comparing salaries without considering expenses to determine how someone is doing financially.
I had some of the same thoughts. I actually proposed a thread for comparing aggregate returns, but like my savings, it didn't get much interest.
In 2011 my aggregate return on all my holdings was -4%. My 401k, which comprises slightly less than 50% of my assets, produced a -3.1% return.
Anyway, I don't really consider ROR alone to be an good gauge of my performance, so I calculate my portfolio's performance relative to a relevant benchmark. In 2011, I underperformed my benchmark by 4.7%. The underperformance is mainly due to some outstanding unrealized losses, mostly in financial and energy stocks.
My allocations are 70% equities, 18% fixed income, and 12% cash as of January 1, 2011.
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