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So I have a professionally managed account at a big brokerage. 70/30 split stocks vs bonds. I don’t look from day to day even year to year since I don’t want to get psyched out. But today I was trying to calculate getting a mortgage vs paying more cash and needed some real numbers. Imagine my surprise when I saw that other than dividends I have almost earned nothing maybe 1 or 2% over the last 10 years! Total. What is going on?
So I have a professionally managed account at a big brokerage. 70/30 split stocks vs bonds. I don’t look from day to day even year to year since I don’t want to get psyched out. But today I was trying to calculate getting a mortgage vs paying more cash and needed some real numbers. Imagine my surprise when I saw that other than dividends I have almost earned nothing maybe 1 or 2% over the last 10 years! Total. What is going on?
No one can say without seeing the exact holdings...
Knowing nothing about you or your investments I would say 30% bonds is to high in this low interest world.
I think, after fees you would want a return at least equal to the benchmark of the type of investments they are in.
From the return you mentioned I think you need to get a new investment advisor.
There is a trend toward corporatized management at a very low fee. I think it is too soon to know the results but it sounds like you do not need your hand help by your broker so I would look at using a robo advisor. Look at Schwab and Vanguard for their plans. If you like them then start evaluating what is available and maybe split your assets between two or three firms.
I would leave your current firm.
So I have a professionally managed account at a big brokerage. 70/30 split stocks vs bonds. I don’t look from day to day even year to year since I don’t want to get psyched out. But today I was trying to calculate getting a mortgage vs paying more cash and needed some real numbers. Imagine my surprise when I saw that other than dividends I have almost earned nothing maybe 1 or 2% over the last 10 years! Total. What is going on?
Is this a 401k? Mutual funds? Are you looking at cost basis only? Cost basis does not necessarily reflect the performance of your account. Reinvestment of dividends or capital gains becomes part of your cost basis.
It’s a traditional ira originally funds were in 401k. Yes the dividends get dumped back in. That 1% rise might even be because I added to the account so more to work from. There’s a big mix of stuff in the account of course. Actually they are pushing bond funds these days.
It’s a traditional ira originally funds were in 401k. Yes the dividends get dumped back in. That 1% rise might even be because I added to the account so more to work from. There’s a big mix of stuff in the account of course. Actually they are pushing bond funds these days.
Your online account should have access to performance data over selected periods of time.
When did you roll over the funds? The performance will be from that period going forward.
So in a 70/30 split you are admittedly ignoring dividends in your performance so the question that needs answering is are you ignoring interest income from the 39% of the portfolio?
So in a 70/30 split you are admittedly ignoring dividends in your performance so the question that needs answering is are you ignoring interest income from the 39% of the portfolio?
guaranteed there is a lot being over looked here if it really was a 70/30. if we go jan 2009 to aug 2019 a us equity index and us bond index shows a cagr of 11.11%
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