Investing megathread extravaganza

[DaFace]

A place to talk about investing stuff.

[scho63]

Originally Posted by Buehler445

That looks interesting. They need to show some income, and the additional stock issuance is not great, but surely the downside is about out.

I'm buying 1000 shares and will buy 1000 more if it drops below 6

[ghak99]

Originally Posted by Rain Man

Inflation is my biggest concern. I don't see it slowing down as fast as we're hearing, because wages are going up and production and shipping costs are going up and people have more money to spend.

I've been reading that good stocks in an inflationary environment are companies that can easily siphon off increased dollar flows (e.g., banks and credit card companies) and low-cost consumer goods (e.g., Coke and Pepsi, fast food, etc.) What do you all think?

Here locally, rent has inflated significantly. Do a cheap remodel on a house and you can pull in a new tenant looking to improve their housing image and directly cut off most of the new income a lower level family is now pulling in. They're happy, the owner is happy, and the money is gone.

[lewdog]

Anyone brave enough to share their YTD gains in their investing accounts (brokerage, 401k, IRA)? Any traders beat the index?

[Rain Man]

Originally Posted by lewdog

Anyone brave enough to share their YTD gains in their investing accounts (brokerage, 401k, IRA)? Any traders beat the index?

I like this time of year because I can summarize things.

I got an 18.6 percent return this year. I try to be diversified, which means that I'm underweighted in FAANG stocks. So I underperformed the market, but I'm fine with that from a risk perspective and still had a really good year. My wife is a little more tech-heavy, and she got a 20.1 percent return.

My ten largest holdings (not including my wife's stuff) are 31.1 percent of my total holdings, and are presented below with their annual total return.

Cash and Money Markets 0.01%
GOOG 67.43%
AMZN 4.64%
MSFT 55.23%
TSLA 44.81%
MPW 18.35%
ATCO 37.05%
TSM 9.26%
FTANX 5.67%
AAPL 37.72%

My biggest holdings did pretty well. Other than the cash, AMZN was my lowest performer and it was still up. FTANX is a really conservative preservation fund, and it more or less kept pace with inflation. So I didn't take a bath on any of my big stuff this year.

My biggest gainers combine for 11.1 percent of my account and were superb. It helps to have GOOG on this list. I keep buying SYNA on every down day and it's been a rock star.

RMCF is one that I knew was going to do great if it didn't go bankrupt. If I'd had any guts, I would've doubled down on it. But as it is, I'm still losing money on it since it tanked so badly in the shutdowns. The past is the past, though, and I'm getting close to breakeven.

SYNA 197.24%
MRNA 127.32%
NVDA 124.32%
RMCF 90.24%
COP 83.52%
INTU 73.47%
ANF 69.99%
GOOG 67.43%
KLAC 66.20%
HCI 63.35%

My biggest losers combine for 2.7 percent of my account, so the good news is that they were really underweighted. Of course, part of that is because they lost a lot of money. I haven't been buying into any of these losses, just holding for the most part.

JWN -25.42%
SQ -26.97%
LVS -35.05%
SLP -36.47%
EDUC -37.03%
CVGW -37.25%
UWMC -47.53%
ZM -48.91%
KD -55.58%
EDIT -62.91%

EDIT is a flyer stock that spikes up and down occasionally. I was up pretty good in EDUC, CVGW, SQ, and ZM for a while and then they tanked. I'm still up a lot in ZM because I bought it at a really good time. SLP is down a lot this year, but I'm still doing great on it because it was fantastic last year.

Do we think any of these are coming back?

[lewdog]

Originally Posted by Rain Man

I like this time of year because I can summarize things.

I got an 18.6 percent return this year. I try to be diversified, which means that I'm underweighted in FAANG stocks. So I underperformed the market, but I'm fine with that from a risk perspective and still had a really good year. My wife is a little more tech-heavy, and she got a 20.1 percent return.

My ten largest holdings (not including my wife's stuff) are 31.1 percent of my total holdings, and are presented below with their annual total return.

Cash and Money Markets 0.01%
GOOG 67.43%
AMZN 4.64%
MSFT 55.23%
TSLA 44.81%
MPW 18.35%
ATCO 37.05%
TSM 9.26%
FTANX 5.67%
AAPL 37.72%

My biggest holdings did pretty well. Other than the cash, AMZN was my lowest performer and it was still up. FTANX is a really conservative preservation fund, and it more or less kept pace with inflation. So I didn't take a bath on any of my big stuff this year.

My biggest gainers combine for 11.1 percent of my account and were superb. It helps to have GOOG on this list. I keep buying SYNA on every down day and it's been a rock star.

RMCF is one that I knew was going to do great if it didn't go bankrupt. If I'd had any guts, I would've doubled down on it. But as it is, I'm still losing money on it since it tanked so badly in the shutdowns. The past is the past, though, and I'm getting close to breakeven.

SYNA 197.24%
MRNA 127.32%
NVDA 124.32%
RMCF 90.24%
COP 83.52%
INTU 73.47%
ANF 69.99%
GOOG 67.43%
KLAC 66.20%
HCI 63.35%

My biggest losers combine for 2.7 percent of my account, so the good news is that they were really underweighted. Of course, part of that is because they lost a lot of money. I haven't been buying into any of these losses, just holding for the most part.

JWN -25.42%
SQ -26.97%
LVS -35.05%
SLP -36.47%
EDUC -37.03%
CVGW -37.25%
UWMC -47.53%
ZM -48.91%
KD -55.58%
EDIT -62.91%

EDIT is a flyer stock that spikes up and down occasionally. I was up pretty good in EDUC, CVGW, SQ, and ZM for a while and then they tanked. I'm still up a lot in ZM because I bought it at a really good time. SLP is down a lot this year, but I'm still doing great on it because it was fantastic last year.

Do we think any of these are coming back?

That's an awesome breakdown. Pretty good return this year for an account with individual stocks. Nice job.

Do you have accounts where you just own mutual or index funds?

[scho63]

Originally Posted by Rain Man

I like this time of year because I can summarize things.

I got an 18.6 percent return this year. I try to be diversified, which means that I'm underweighted in FAANG stocks. So I underperformed the market, but I'm fine with that from a risk perspective and still had a really good year. My wife is a little more tech-heavy, and she got a 20.1 percent return.

My ten largest holdings (not including my wife's stuff) are 31.1 percent of my total holdings, and are presented below with their annual total return.

Cash and Money Markets 0.01%
GOOG 67.43%
AMZN 4.64%
MSFT 55.23%
TSLA 44.81%
MPW 18.35%
ATCO 37.05%
TSM 9.26%
FTANX 5.67%
AAPL 37.72%

My biggest holdings did pretty well. Other than the cash, AMZN was my lowest performer and it was still up. FTANX is a really conservative preservation fund, and it more or less kept pace with inflation. So I didn't take a bath on any of my big stuff this year.

My biggest gainers combine for 11.1 percent of my account and were superb. It helps to have GOOG on this list. I keep buying SYNA on every down day and it's been a rock star.

RMCF is one that I knew was going to do great if it didn't go bankrupt. If I'd had any guts, I would've doubled down on it. But as it is, I'm still losing money on it since it tanked so badly in the shutdowns. The past is the past, though, and I'm getting close to breakeven.

SYNA 197.24%
MRNA 127.32%
NVDA 124.32%
RMCF 90.24%
COP 83.52%
INTU 73.47%
ANF 69.99%
GOOG 67.43%
KLAC 66.20%
HCI 63.35%

My biggest losers combine for 2.7 percent of my account, so the good news is that they were really underweighted. Of course, part of that is because they lost a lot of money. I haven't been buying into any of these losses, just holding for the most part.

JWN -25.42%
SQ -26.97%
LVS -35.05%
SLP -36.47%
EDUC -37.03%
CVGW -37.25%
UWMC -47.53%
ZM -48.91%
KD -55.58%
EDIT -62.91%

EDIT is a flyer stock that spikes up and down occasionally. I was up pretty good in EDUC, CVGW, SQ, and ZM for a while and then they tanked. I'm still up a lot in ZM because I bought it at a really good time. SLP is down a lot this year, but I'm still doing great on it because it was fantastic last year.

Do we think any of these are coming back?

Really nice diversification and well managed portfolio.

The only small bit of advice is to never left a stock loss exceed 25-30%. Once you start hitting the 40-50% or more level, the stock has to double just to break even.

There are other strategies for hedging to protect your downside when a stock rolls over.

That's it. Overall you did very well and congratulations.

[Zebedee DuBois]

I'm a pretty conservative investor (I think), with about 30% in Index Funds, and 30% in Bond Funds, and the rest is scattered amongst small and mid cap funds, international, and large cap individual stocks

My annual return, across all investments, for 2021 was 15%. I'm happy with that, I am at a more risk adverse point in life.

[DaFace]

16.8% for me. Pure target date index fund.

[lewdog]

Trading account 12.3% gain.

ROTH IRA, which is invested in actively managed mutual funds with T Rowe Price, most in growth and healthcare funds, 16.07% gain.

401k invested in Vanguard index funds, 23.05% gain.


Seems to follow the trends that most noticed this year....the indexes were king. Trading was hard as the market was very choppy most of the year. I know a guy who has been a professional trader for a decade and he noted 2021 as his hardest year yet. He had a 16% gain and that’s his full time job.

[KCUnited]

15.75% (401K, Roth IRA, HSA, trading acct)

[Buehler445]

Originally Posted by lewdog

Anyone brave enough to share their YTD gains in their investing accounts (brokerage, 401k, IRA)? Any traders beat the index?

I didn't outperform the market. I have my 401K from Cabela's in the S&P index fund. My and the wife's ROTH is in Target Dated funds. Her 403b is mostly index funds.

I have a piddly investment account that I intended to do a little research while I was on the tractor, but never got around to it. It was in cash most of the time. Evenually I pulled the cash and put it in 2x SPY 1x QQQ 1x DOW, so my returns aren't great there.

I think there is an argument to be made that my investment in farmland has outperformed index funds. There is some wildly stupid money floating around. But that doesn't come up on a bloomberg terminal.

[Peter Gibbons]

I didn't outperform the market. However, the Gibbons household had a good year with nice returns across our investments and significant progress towards our financial goals. I haven't figured out the weighted average, but here are the individual data points:

- 13.9% return on my company's PST plan
- 19.0% on my company's Roth 401K
- 17.5% on Mrs. Gibbon's 401K
- 19.0% on Mrs. Gibbons Roth IRA
- 22.85% on my ROTH IRA.

Each of these are heavily invested in index funds and/or target date funds. Not much in individual stocks, probably less than 1%.

I am not sure how to measure the return on our company stock options though.(without doing way more math than I care to these days lol - as an older engineer I've grown tired of doing math that is more informative than actionable.) That being said, we now make more each in year in maturing options than we do in base salary. We have 10 year option pipeline that grows each year as about 30% of my base pay comes as yearly options and about 15% for the Mrs. Each of our company stock has done quite well as of late.

We plan to retire in the next 5-10 years and will live the first 10 years solely off our passive incomes (options, rentals, and social security) quite comfortably without need to touch our nest egg. We are hoping this allows us to grow the nest egg to a point where we can pass along wealth to at least the next two generations of Gibbon's descendants. Our hope is this financial freedom will allow them to choose a path where they never need to work for a soul crushing company such as INITECH.

[Infidel Goat]

Originally Posted by lewdog

Anyone brave enough to share their YTD gains in their investing accounts (brokerage, 401k, IRA)? Any traders beat the index?

I beat the total market in 2021 but I'm hardly an active trader.

For the last thirty years, I've primarily held 100% of my Roth IRA and (for the last fifteen years) 403b in a total market index (FSKAX most recently). I'm the guy who ties the index most years.

I beat the market because I moved about half of my Roth IRA portfolio into FSRBX (Fidelity Select Banking Portfolio) in the middle of August 2020.

It was definitely a market timing move that I wouldn't usually engage in but the overall market had already snapped back from the pandemic and the banking sector hadn't yet. FSRBX did bounce back shortly after I bought it and so it was a little bit like getting the market bounce back X2 in 2020. Huzzah for me. FSRBX also had a better year than FSKAX in 2021, so I'm up against the total market index again this year.

I know that I'm overexposed in the banking sector right now, so I'd like to get back close to 100% FSKAX by the end of 2022. Short term, though, I'm still a little bullish on FSRBX because it's one of the industries most likely to benefit from higher interest rates.

Long term, I also have to decide when I want to move away from 100% equities in my retirement accounts. I passed 50 recently and will likely work at least another 10-15 years, so I'd have time to invest further and recover if the market tanked in the short term. I'm obviously still pretty aggressive with my retirement accounts right now, though.

[DRU]

Are you guys pulling that info off a statement? Is it excluding the contributions you made from the return you're seeing, or is it just giving you the return based on the starting and ending balance of the account in general?

If it excludes the contributions, does it then adjust the returns shown accordingly? If you remove the contributions but leave the gain, and then calculate that against the starting balance, that would look like a higher return.

Any of you using TD Ameritrade and can point me to a statement that includes this detail? All I'm seeing are monthly's. Until they start issuing tax forms I'm not sure how I'd calculate this precisely..??

[DaFace]

Originally Posted by DRU

Are you guys pulling that info off a statement? Is it excluding the contributions you made from the return you're seeing, or is it just giving you the return based on the starting and ending balance of the account in general?

If it excludes the contributions, does it then adjust the returns shown accordingly? If you remove the contributions but leave the gain, and then calculate that against the starting balance, that would look like a higher return.

Any of you using TD Ameritrade and can point me to a statement that includes this detail? All I'm seeing are monthly's. Until they start issuing tax forms I'm not sure how I'd calculate this precisely..??

Not sure about TD Ameritrade, but with Schwab it's under "portfolio performance." You pick your time frame, and it shows a return percent.