Thread: Post Your "12-Month Personal Rate of Return"

29.56%

Originally Posted by Intrepid_Timer

Your PIP score does not include your contributions.

Then I'm totally confused because my PIP jumped 10% from last month and I did not get a 10% return...not even close. Any ideas?

you probably dropped a down month sept 2011.. My PIP did not include my contribution

Originally Posted by Talan150

you probably dropped a down month sept 2011.. My PIP did not include my contribution

AHA! That makes sense...thanks!

Your Personal Investment Performance (PIP) for the past 12 months ending 09/30/2012 is 29.21%.

Originally Posted by PLANO

Then I'm totally confused because my PIP jumped 10% from last month and I did not get a 10% return...not even close. Any ideas?

Remember it is twelve month return. So probably, alot of people will see a jump because September was so bad last year. Remove the offending value from the calculation, C FUND Sep 2011 - (7.03%), S FUND Sep 2011-(10.73%), I FUND Sep 2011-(10.55%).

Everyone who was in last year will see a serious jump.

It's pretty easy to see that contributions aren't included in your PIP. Take a look at your 2011 statement. Here is a friends as I no longer make contributions:

10-1-2012 9-45-19 AM.jpg

If you subtract the closing balance from the opening balance and then divide by the opening balance, you get a gain of 34.76%. This would include earnings, contributions and loan repayments.

If you divide "investment gain" by the beginning balance, you get 17.79%. This isn't exactly what his PIP is, but the way I did it is simple math and doesn't account for one's balance increasing or decreasing on a daily or monthly basis.

Originally Posted by Frixxxx

Remember it is twelve month return. So probably, alot of people will see a jump because September was so bad last year. Remove the offending value from the calculation, C FUND Sep 2011 - (7.03%), S FUND Sep 2011-(10.73%), I FUND Sep 2011-(10.55%).

Everyone who was in last year will see a seious jump.

And probably a big decline at the end of the month as the S fund gained over 14% last Oct.

Originally Posted by Intrepid_Timer

And probably a big decline at the end of the month as the S fund gained over 14% last Oct.

Depends on their position. Based on my account, I should see a 12.5% increase for next month if I see a modest 2.75% gain in October 2012.

Originally Posted by Aitrus

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2012 is 10.12%.

This is what I showed last month, but this month it's "Your Personal Investment Performance (PIP) for the past 12 months ending 09/30/2012 is 14.54%.". While that's great and all, I know that this month I took a decent hit. What gives?

Originally Posted by Frixxxx

Depends on their position. Based on my account, I should see a 12.5% increase for next month if I see a modest 2.75% gain in October 2012.

I'm not sure how that would work unless you lost 10% last Oct? Our current PIPs run from Oct 1st, 2011 to Sept 30th, 2012.