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Thread: Post Your Total Annualized Rate of Return

  1. #25

    Join Date
    Aug 2008
    Location
    Pensacola, FL
    Posts
    6,312

    Default Re: Post Your Total Annualized Rate of Return

    Here's what I found out after looking over my annual statements:
    2009 - 3.10% (G Fund)
    2010 - 2.67% ( G Fund)
    2011 - 7.51% (Moved into equities at some point during the year)
    2012 - 15.74 (Equities)
    2013 - 28.75 (Equities)
    Combined annual average: $11.55%

    I guess that's not too shabby considering I was in the G Fund for 2 1/2 years. Now if I can only keep this up until I retire...I'll be prettty damn happy.

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  3. #26

    Default Re: Post Your Total Annualized Rate of Return

    Quote Originally Posted by BichonFreeze View Post
    Kind of hard to say for me. I've only been in for one full year. Not sure how we're supposed to weight this but I guess you could say my annualized return is somewhere around 14%, mainly because I didn't change out of G until a year had passed. Shame on me. Shame on me.
    For one year it should be easy. It's simply your annual return. Next year you can average the two like jpcavin did with here 5 years or compute an annualized return if you feel up to it. Either one should be more accurate than the approximation I came up with. That's for folks like me who don't have the records for their earlier years. I just wanted to show that your return is really greater than (balance - contributions) / contributions so don't have a heartattack.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  4.  
  5. #27

    Default Re: Post Your Total Annualized Rate of Return

    Boghie, you love throwing monkey wrenches. Here's one for you. jpcavin posted her 5 annual returns and as she pointed out they average to 11.55%. We can annualize those values and find that comes out to 10.46%. That's not too different and probably as accurate as it gets. But when she plugged her contributions & balance into my little spreadsheet calculator she got 20.66%. Something is not right there. I applied those 5 annual returns to $100 and plugged the result into my calculator and came up with 20.46%. OK, that tells me she did it right so there is a problem with my calculator. Now to find out what.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%


  6.  
  7. #28

    Join Date
    Aug 2008
    Location
    Pensacola, FL
    Posts
    6,312

    Default Re: Post Your Total Annualized Rate of Return

    Quote Originally Posted by Cactus View Post
    Boghie, you love throwing monkey wrenches. Here's one for you. jpcavin posted her 5 annual returns and as she pointed out they average to 11.55%. We can annualize those values and find that comes out to 10.46%. That's not too different and probably as accurate as it gets. But when she plugged her contributions & balance into my little spreadsheet calculator she got 20.66%. Something is not right there. I applied those 5 annual returns to $100 and plugged the result into my calculator and came up with 20.46%. OK, that tells me she did it right so there is a problem with my calculator. Now to find out what.
    I didn't plug anything in. I looked at what Boghie posted:

    Ending Balance: $1,848
    Total Contributions: $909 - I'm guessing the starting balance is kinda like a onetime contribution
    Number of Years: 5
    Gain: 103.30%
    Annualized Return: 29.48%

    I simply divided 103.30%/5 yrs and the answer was 20.66% vice 29.48%

    I'm not trying to confuse anyone...honest. But I do confuse myself sometimes

  8.  
  9. #29

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,999

    Default Re: Post Your Total Annualized Rate of Return

    Quote Originally Posted by jpcavin View Post
    I'm not trying to confuse anyone...honest. But I do confuse myself sometimes
    Troublemaker!
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    Check my position

  10.  
  11. #30

    Join Date
    Aug 2008
    Location
    Pensacola, FL
    Posts
    6,312

    Default Re: Post Your Total Annualized Rate of Return

    Quote Originally Posted by Frixxxx View Post
    Troublemaker!
    Says Mr. Easter!
    Once again, I couldn't help myself.

  12.  
  13. #31

    Default Re: Post Your Total Annualized Rate of Return

    Oh, my mistake. I thought you were saying that was your Annualized Rate of Return.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  14.  
  15. #32

    Join Date
    Aug 2008
    Location
    Pensacola, FL
    Posts
    6,312

    Default Re: Post Your Total Annualized Rate of Return

    Quote Originally Posted by Cactus View Post
    Oh, my mistake. I thought you were saying that was your Annualized Rate of Return.
    Like I said, I confuse everyone. Wait, I did say I was not good with math...shame on you!

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  17. #33

    Default Re: Post Your Total Annualized Rate of Return

    Reading backwards from the beginning of this thread it seems that you are discussing what I noticed also in my own savings path. In my thread I am wanting to compare PIP to autotracker. But really want to understand if the math is working.

    I try to use simple interest, and my contribution over the past five months to tell me what my rate of return is actual.


    Lets says I have $100,000 in the TSP funds total. and I contribute $10,000. So just the savings would be $110000. But because of simple interest on the $100,000 of say 5% earned to date (yes I know I need to include the $10,000 in the interest calculation, but I am calling that insignifcant for now); my capital plus interest is $105,000 , plus contribution should be $115,000 grand total.

    when I apply this algorthm to my actual numbers I get about 3% interest to date from end of FY13 until now (using dollars in the account). yet PIP says 13% for the year to date (yes i know its for the 12 months), while Autotracker says 7% interest to date.

    It just does not make sense. yet

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