2013 Investment Portfolio Results
Re: 2013 Investment Portfolio Results
28% return with about 90% in equity ETFs-- the lion's share of these were VTI and VEU. As these are US denominated ETFs, the decline in the Loonie added a kick.
Most of my stock ETFs were purchased back in 2008/2009. I've just let them run and purchased more shares with the dividends. One of these days, I'll start shifting to a more age appropriate asset allocation! In the meantime, new money goes to purchasing fixed income (laddered GICs).
Happy New Years to my fellow Canadian Bogleheads!
BC Doc
Edit: Return is from Globe Investor Gold portfolio tracker.
Most of my stock ETFs were purchased back in 2008/2009. I've just let them run and purchased more shares with the dividends. One of these days, I'll start shifting to a more age appropriate asset allocation! In the meantime, new money goes to purchasing fixed income (laddered GICs).
Happy New Years to my fellow Canadian Bogleheads!
BC Doc
Edit: Return is from Globe Investor Gold portfolio tracker.
Re: 2013 Investment Portfolio Results
Our 5 year annualized return is now 11.5% (all retirement accounts using XIRR in Excel). The equivalent number was only 3.9% last year due to bad results in 2008 and of course 2013 was not included yet. Typical asset allocation over the period was approx 20-25% Canadian bonds, 3% gold, and the rest in stocks, with Canada > US = EAFE > EM = Can REITs. I cannot provide a 10 year number yet (I've only been calculating returns properly since 2008, altough I started investing a decade earlier).
It's nice to read about other people's results and how they think about them, in terms of what their goal is, etc. One year numbers are not necessarily meaningless if compared to a benchmark or put in context. But yes, longer term results are more important... I'm looking forward to reporting a first 10 yr result in a few yrs...
It's nice to read about other people's results and how they think about them, in terms of what their goal is, etc. One year numbers are not necessarily meaningless if compared to a benchmark or put in context. But yes, longer term results are more important... I'm looking forward to reporting a first 10 yr result in a few yrs...
Re: 2013 Investment Portfolio Results
Strictly speaking, for VTI (the Vanguard Total Stock Market ETF, which tracks the CRSP US Total Market Index), the "kick" comes from the fact that you did not hedge your exposure to the US dollar. Not from the fact that the ETF is traded in USD. Holding a CAD-denominated unhedged ETF following the same index (such as VUN on the TSX) would theoreticallly have yielded the same result.BC_Doc wrote:... the lion's share of these were VTI and VEU. As these are US denominated ETFs, the decline in the Loonie added a kick.
For VEU (Vanguard FTSE All-World ex-US ETF), there is no net exposure to the USD for a Canadian investor, so there is no "kick" from changes in the CAD-USD rate. When buying VEU you are exposed to variations btw the CAD and the Euro, the Pound, the Yen, etc. -- but again, there is no net exposure to the USD. This took me a while to accept but run a scenario in Excel and you'll see.
Regards, Quebec
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Re: 2013 Investment Portfolio Results
Another of my lazy days! Annual return on our investments, according to BMOIL, averaged 7.39%, not including HISAs that would add about 8% to our total value (if I considered 'em as investments) and with no consideration of sources etc (so much for apples n' oranges) - quite satisfactory for our stage of life methinks.
Re: 2013 Investment Portfolio Results
25 years old, 25% allocation to each bonds, US, CDN, and INTL equities.
XIRR=17.2%
XIRR=17.2%
"The mob rushes in where individuals fear to tread." --BF Skinner
"He has a right to criticize, who has a heart to help." --Abraham Lincoln
"He has a right to criticize, who has a heart to help." --Abraham Lincoln
Re: 2013 Investment Portfolio Results
I am in the withdrawal stage of my investment career. I have a conservative portfolio but less so in the past 2 years because of declining interest rates (therefore less income from GICs). My overall allocation is 19% cash, 50% GICs and 31% stocks. I don't know how to use excel functions so I'll just report what BMO Investorline tells me about the part of my investments held there.
In my non-registered account my 2013 Return was 10.31%
Asset mix: 7.25% cash & cash equivalents; 12% GICs; 5.75% Bonds; 12.5% Preferred shares; and 62.5% dividend stocks
In my RRSP account, my 2013 Return was 3.06%
Asset Mix: Cash and Cash Equivalents: 35.5%; GICs: 38.5%; Bonds: 25.5%; Dividend Stock (TA) 0.5%
My small remnant holding in a defined contribution pension plan: 12%
My TFSA: 3%
Other RRSP and non-RRSP GICs: 3% (approx)
Big Wad of Cash: 1.5%
Most important to me: My total investments provided my income in 2013 and still managed to grow an additional 4.3%
In my non-registered account my 2013 Return was 10.31%
Asset mix: 7.25% cash & cash equivalents; 12% GICs; 5.75% Bonds; 12.5% Preferred shares; and 62.5% dividend stocks
In my RRSP account, my 2013 Return was 3.06%
Asset Mix: Cash and Cash Equivalents: 35.5%; GICs: 38.5%; Bonds: 25.5%; Dividend Stock (TA) 0.5%
My small remnant holding in a defined contribution pension plan: 12%
My TFSA: 3%
Other RRSP and non-RRSP GICs: 3% (approx)
Big Wad of Cash: 1.5%
Most important to me: My total investments provided my income in 2013 and still managed to grow an additional 4.3%
Regards,
Pickles
Pickles
- optionable68
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Re: 2013 Investment Portfolio Results
How did you get 1.5% on your cash?Pickles wrote:Big Wad of Cash: 1.5%
3-time winner of FWF Annual Stock Market Predictions contest
Re: 2013 Investment Portfolio Results
HISAs will provide that if you move money around. Examples: CDF 1.9%, PT 1.8%, and with PCF promotions 2.25%, even Scotia had 2.25% for awhile on promotion.optionable68 wrote:How did you get 1.5% on your cash?Pickles wrote:Big Wad of Cash: 1.5%
finiki, the Canadian financial wiki The go-to place to bolster your financial freedom
Re: 2013 Investment Portfolio Results
Quicken tells me I earned an average rate of 2.12% across all HISA accounts. Ally, ING, PCF, PT. I moved money around to take advantage of special rates.AltaRed wrote:HISAs will provide that if you move money around. Examples: CDF 1.9%, PT 1.8%, and with PCF promotions 2.25%, even Scotia had 2.25% for awhile on promotion.optionable68 wrote:How did you get 1.5% on your cash?
N.B. I can run Quicken performance report for HISAs because I set them up as investment accounts.
Re: 2013 Investment Portfolio Results
30 years old, saving for a house (hence the large percentage in cash)
2013: About 25% cash; 5% Bond ETF; 70% stocks and ETFs
18.60% according to XIRR on Excel.
2013: About 25% cash; 5% Bond ETF; 70% stocks and ETFs
18.60% according to XIRR on Excel.
Give a man a fish, and that man knows where to come for fish. Teach a man to fish, and you've just destroyed your market base.
1,1,2,1,3,2,3,1,4,3,5,2,5,3,4,1,5,4,1,5,4,7,3,8,5,7,2,7,5,....
1,1,2,1,3,2,3,1,4,3,5,2,5,3,4,1,5,4,1,5,4,7,3,8,5,7,2,7,5,....
Re: 2013 Investment Portfolio Results
19% on my Canadian stocks and 34% on my USA stuff. Combined 29%.
Re: 2013 Investment Portfolio Results
15.9% on our non- sheltered account. Mostly large Canadian dividend paying stocks with some REITS and preferreds.
RRSP's are more of a complete couch potato style with a few individual stocks thrown in. 19.8% which was mostly some windfall gains on some of the individual stocks. The complete couch potato side returned about 9.5%. Would be happy with the couch potato returns but still like the idea of trading some individual stocks. I don't expect to make money on them every year but it keeps life interesting.
RRSP's are more of a complete couch potato style with a few individual stocks thrown in. 19.8% which was mostly some windfall gains on some of the individual stocks. The complete couch potato side returned about 9.5%. Would be happy with the couch potato returns but still like the idea of trading some individual stocks. I don't expect to make money on them every year but it keeps life interesting.
Re: 2013 Investment Portfolio Results
I estimated my 1.5% return since the majority of my cash is in Cantire whose rate was 1.7%--> 1.5%. I also had some cash in ING (1.35%) and PT (1.9% -->1.8%) and some in a BMO account (1.2% --> 1.05%). Perhaps I should have said "at least 1.5%"!ig17 wrote:Quicken tells me I earned an average rate of 2.12% across all HISA accounts. Ally, ING, PCF, PT. I moved money around to take advantage of special rates.AltaRed wrote: HISAs will provide that if you move money around. Examples: CDF 1.9%, PT 1.8%, and with PCF promotions 2.25%, even Scotia had 2.25% for awhile on promotion.
Regards,
Pickles
Pickles
Re: 2013 Investment Portfolio Results
XIRR for all accounts was 19.4%
47 yrs old still in accumulating phase and plan on retiring/slowing down in 10 yrs
all accounts rrsp resp ccpc are 100% equity with no leverage
no US or international exposure. go canada
nile
47 yrs old still in accumulating phase and plan on retiring/slowing down in 10 yrs
all accounts rrsp resp ccpc are 100% equity with no leverage
no US or international exposure. go canada
nile
Re: 2013 Investment Portfolio Results
Revised results: 11.2% registered, non-registered and TFSAspoedin wrote:Preliminary ~8% + distributions.
excluding cash reserve (bucket for ~5 year expenses)
Asset Allocation:
HISAs 6%
GICs 31%
Bonds 28%
Cdn eqty 9%
Foreign 26%
Like some others it was foreign equities that provided the bulk in gains.
Equities are now higher than the "plan", therefore time to rebalance into more fixed income products from foreign equities.
One retired and one to go (2015?)
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Re: 2013 Investment Portfolio Results
Further to my input of 4 Jan (above) - now that BMOIL has published it's updated calculations our results for 2013 for our seven BMOIL accounts (4 registered, 2 individual and l joint) indicates an over-all average gain of 14.587% (which I assume should make me about twice as content as my previous quote). This post qualifies as my annual OOPS! since it seems to be a yearly event for me.
Re: 2013 Investment Portfolio Results
My $400 TD E-Series "sample portfolio" returned 18.06% in 2013
Yes, yes, it was a roaring bull market
Yes, yes, it was a roaring bull market
Re: 2013 Investment Portfolio Results
I scored a 25.6% gain to end with nearly $750k. 90% equities and mostly inividual stocks. Very good year.
Re: 2013 Investment Portfolio Results
Equities returned an irr of 27.6% (incl. fx gains) and overall (excluding cash and hisa which i do not consider as "investments", rather as emergency fund type reserves) 17.8%.
I'm roughly at 60/40 equities to fixed income (including some usd fixed income which had nice fx gains). I'm comfortable going up to 100% equities for long term investments (relatively young with DB pension, as does my wife), but have been sitting on FI in LIRA that I opened this year and hardly deployed as I didn't like valuations. That will teach me to be too patient.
I'm roughly at 60/40 equities to fixed income (including some usd fixed income which had nice fx gains). I'm comfortable going up to 100% equities for long term investments (relatively young with DB pension, as does my wife), but have been sitting on FI in LIRA that I opened this year and hardly deployed as I didn't like valuations. That will teach me to be too patient.
Re: 2013 Investment Portfolio Results
24.3%. A good year. All stocks. 30% US equities, which helped a lot. About 60% Cdn; The rest in Vanguard international funds. I put a lot in Teck this year and it hurt the results quite a bit. But, maybe this will be the year for it!
Joe
Joe
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Re: 2013 Investment Portfolio Results
14.72% rate of return for all our investments ….
We still have some actively managed funds from years ago in that pot. But even those did pretty good.
I couldn't resist doing an ROR for each of our accounts. Our TFSAs on their own returned 21.9% which is a good argument for contributing one lump sum early in the year (so long as the market goes up).
I used the 2013 PWL Rate of Return Calculator available free on their website. They use the Modified Dietz Method which accounts for the specific day of the month deposits or withdrawals are made.
Here is the link if any one is interested. I have no affiliation with them. When I use my own calculations in Excel I get a different ROR. So thought I should use one not done by me
https://www.pwlcapital.com/en/Advisor/T ... Calculator
We still have some actively managed funds from years ago in that pot. But even those did pretty good.
I couldn't resist doing an ROR for each of our accounts. Our TFSAs on their own returned 21.9% which is a good argument for contributing one lump sum early in the year (so long as the market goes up).
I used the 2013 PWL Rate of Return Calculator available free on their website. They use the Modified Dietz Method which accounts for the specific day of the month deposits or withdrawals are made.
Here is the link if any one is interested. I have no affiliation with them. When I use my own calculations in Excel I get a different ROR. So thought I should use one not done by me
https://www.pwlcapital.com/en/Advisor/T ... Calculator
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Re: 2013 Investment Portfolio Results
12.9 here
Since were reviewing and thinking about results I found this to be an interesting short read. It's from the Mawer and is about steps to a good annual review and were more or less doing that here.
http://www.mawer.com/knowledge-centre/m ... al-review/
Since were reviewing and thinking about results I found this to be an interesting short read. It's from the Mawer and is about steps to a good annual review and were more or less doing that here.
http://www.mawer.com/knowledge-centre/m ... al-review/
- stardancer
- Contributor
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Re: 2013 Investment Portfolio Results
Definitely a good year
my Rif- 6.23% including a withdrawal
spouse's RIF- 7.18% including a withdrawal
non-registered mutual funds- 11.73%
my TFSA- 43.28% (don't quite believe it; bought a fund holding US blue chips, includes contribution)
spouse's TFSA- 44.96% (as above)
Rate of Return on overall portfolio- 9.41%
left out of the above calculations was a -44.1% drop in penny stocks (spouse's toy)
I use a modified Dietz spreadsheet
my Rif- 6.23% including a withdrawal
spouse's RIF- 7.18% including a withdrawal
non-registered mutual funds- 11.73%
my TFSA- 43.28% (don't quite believe it; bought a fund holding US blue chips, includes contribution)
spouse's TFSA- 44.96% (as above)
Rate of Return on overall portfolio- 9.41%
left out of the above calculations was a -44.1% drop in penny stocks (spouse's toy)
I use a modified Dietz spreadsheet
Re: 2013 Investment Portfolio Results
Personal Portfolio (handled by an Advisor) 7.9% Can. Equities 54% 14% US Equities 92%
RIF (also handled by Advisor) Can.10.79% 28% Equities
Small investment Co. 10.40% Can. Equities 59% 21% US Equities 95%
TFSA Can. 12% 100% Equities
Since I am now 84, probably time to lighten up on the Equities!!!!!
RIF (also handled by Advisor) Can.10.79% 28% Equities
Small investment Co. 10.40% Can. Equities 59% 21% US Equities 95%
TFSA Can. 12% 100% Equities
Since I am now 84, probably time to lighten up on the Equities!!!!!
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Re: 2013 Investment Portfolio Results
Would it be the other way around? Generally speaking, one should be more cautious with investments at the start of retirement, but can afford to become more aggressive later on. That is the reason why those that retired around Y2K are having to return to the work force.par4 wrote:Since I am now 84, probably time to lighten up on the Equities!!!!!