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YTD Returns on your 401K or IRA

Old 10-12-2020, 06:43 PM
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Default YTD Returns on your 401K or IRA

What are seeing for year to date returns on their investment accounts? I am a small business owner and self fund my IRA which is managed by a Full Service Brokerage. I'm sitting at about a 1 percent return YTD. I am extremely busy with running my business but given the YTD NASDAQ, S&P and DOW returns I can't see how I couldn't manage 7 to 10% directing it myself. I'm 44 and have no plans on needing to live off these accounts until I'm 70. I'm not looking for minimal risk at this point. Am I getting ripped off?

Last edited by Dorado34698; 10-12-2020 at 06:53 PM.
Old 10-12-2020, 06:46 PM
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This year is a weird one. I plan to forget everything about it
Old 10-12-2020, 06:48 PM
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Level. Went fixed income 2/1/20. Never switched back. About where it was then after the crash and rise. Waiting out second wave.
Iím nearing 60 so principle Is king
Old 10-12-2020, 06:49 PM
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Just over 7 percent.
Old 10-12-2020, 06:52 PM
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Originally Posted by Cumberland View Post
Just over 7 percent.
I think I am at least that right now. My manager is pretty solid.
Old 10-12-2020, 06:52 PM
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18.5% on 401k and 15.9% on IRA . Yes, you need a new advisor.
Old 10-12-2020, 06:55 PM
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17.7% on 401k. I manage it myself which is very little time required. I am also invested in a high risk strategy on purpose. All blue chips, large cap, and a little bit of mid cap.
Old 10-12-2020, 07:10 PM
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I just buy and sell stocks, but if my account was only 1% up for the year and a supposed professional was managing it, i'd be beyond furious.

I'm a wreckless financial retard and I'm seeing 15.5% as of close of today's session.

That's not counting profits I already took out this year, just my current positions.

2020 is making me look like I know how to trade. Fire.
Old 10-12-2020, 07:15 PM
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even if you just bought vtsax or prdgx or similar mutual funds you would have been up like 7% so far
Old 10-12-2020, 07:17 PM
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I think when I looked at our last statement, the combined return was about 20% for the year, over a variety of accounts that are all managed by one advisor group. The stuff we manage personally, which is mostly on auto pilot is up about 10%.
Old 10-12-2020, 07:18 PM
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My 401k is 27.20% ytd.
Old 10-12-2020, 07:21 PM
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MSGUX +96% ytd thru Friday
Old 10-12-2020, 07:34 PM
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IRA is 14.9% YTD, and is professionally managed. Investment strategy changed to balanced from growth as I am not far from retirement, but the returns this year have exceeded balanced portfolio expectations. 401k is 12.0% YTD, and self-managed within the offerings the company gives me.
Old 10-12-2020, 07:56 PM
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12%, but mine is kind of aggressive since my IRA is not planned as my primary retirement income stream.

1% sucks and Iíd be lookin for a change
Old 10-12-2020, 08:23 PM
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I have many brokerage accounts and they span from .46% to 13.68% The one that's performing the best(13.68%) just contains a bunch of managed mutual funds! I guess I suck doing it on my own.

I will have to say a few select mutual funds that I've had for years have over a 1000% rate of return since lifetime.
Old 10-12-2020, 08:59 PM
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Roughly 9.7% - self managed, but relatively safe and I don't flop stuff around much
Old 10-12-2020, 09:15 PM
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Originally Posted by Dorado34698 View Post
What are seeing for year to date returns on their investment accounts? I am a small business owner and self fund my IRA which is managed by a Full Service Brokerage. I'm sitting at about a 1 percent return YTD. I am extremely busy with running my business but given the YTD NASDAQ, S&P and DOW returns I can't see how I couldn't manage 7 to 10% directing it myself. I'm 44 and have no plans on needing to live off these accounts until I'm 70. I'm not looking for minimal risk at this point. Am I getting ripped off?
1%? even my stable value funds bring in 2-3%
Old 10-12-2020, 09:22 PM
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Through today just north of 11% including reserves. Not over exposed on NASDAQ stocks. Self managed mostly mutual funds. All tax deferred accounts.
Old 10-12-2020, 09:30 PM
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I self manage my 401k. By self manage I mean Iím actively watching my account. Making adjustments throughout the year as needed. Iíve only changed investments a handful of times as my company changed investment choices or I didnít like a fund the moved to. Iíve had some big funds for a long time. About 95% stock based. Almost 90% domestic at this point. Mutual funds.

Ytd 15.51 and 1yr 20.30.
Old 10-12-2020, 09:51 PM
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I am 30% in money market, 20% bonds, 18% Large Cap fund, 17% Small Cap fund, 15% Conservative Portfolio.

YTD are / 0.44% / 6.83% / 12.1% / 2.1% / 5.86% /

overall YTD +5.36%

Iím 65 and planning on retiring in 2-3 years, so pretty conservative for the remainder of the ride.

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