Post Your "12-Month Personal Rate of Return"

[wwwtractor]

Your Personal Investment Performance (PIP) for the past 12 months ending 07/31/2011 is 25.35%.

 

[Mapper]

"are contributions considered an increase since the beginning of the year?"

Your entire balance (contributions over the month and earnings/loses) is used for the 12-month PPR.

This makes it even more confusing.

Contributions for the month?

Honestly this number has never made any sense to me...it seems most people are making 20-30%/year and some up to 50? This, in my opinion, is too good to be true. It would be nice if the TSP site included a little explanation of the calculations used. I'm sure there is an explanation buried in here somewhere but I still fault the TSP for not providing an obvous explanation on the webpage

 

[Scout333]

Your Personal Investment Performance (PIP) for the past 12 months ending 07/31/2011 is 23.12%.

Now I have a question, how do contributions affect this number? Do they only count increase in funds deposited, or are contributions considered an increase since the beginning of the year?

TSP states that they compute the PIP with the Modified Dietz Method which is a time weighted performance estimate. See link below for an explanation of how this is done.
http://www.ipcc.ca/files/rate_of_return/Modified_Dietz_ROR.pdf Good luck with that one!

 

[malyla]

TSP states that they compute the PIP with the Modified Dietz Method which is a time weighted performance estimate. See link below for an explanation of how this is done.
http://www.ipcc.ca/files/rate_of_return/Modified_Dietz_ROR.pdf Good luck with that one!

"They require all the transactional history as well as price history since the
beginning of the account."

They use contributions and price history to calculate monthly PIP, then use monthly PIP to get 12-month PIP.

It's actually the best number as your contributions can greatly affect the return % especially in the first 10 years as the account builds up.

Thanks Scout333!

 

[Mapper]

TSP states that they compute the PIP with the Modified Dietz Method which is a time weighted performance estimate. See link below for an explanation of how this is done.
http://www.ipcc.ca/files/rate_of_return/Modified_Dietz_ROR.pdf Good luck with that one!

Thanks, that makes sense. I have to think a little about the method for linking months but I'm sure it's a standard finance approach (not a native field to me) and it works out right. Appears I did not look closely enough at the site.

For me
"Your Personal Investment Performance (PIP) for the past 12 months ending 07/31/2011 is 21.54%"

Not looking forward to next months!

 

[Bquat]

"They require all the transactional history as well as price history since the
beginning of the account."

They use contributions and price history to calculate monthly PIP, then use monthly PIP to get 12-month PIP.

It's actually the best number as your contributions can greatly affect the return % especially in the first 10 years as the account builds up.

Thanks Scout333!

So if I'm doing the oppisite, withdrawing 5% and my PIP is 8%. I made 13%?

 

[Mapper]

So if I'm doing the oppisite, withdrawing 5% and my PIP is 8%. I made 13%?

Take a look at the link Scout posted. The Modified Dietz Method considers both contributions and withdrawals in the calculation.

 

[matt88clone]

Your Personal Investment Performance (PIP) for the past 12 months ending 07/31/2011 is 14.71%.

 

[matt88clone]

There were big gains in 2009/2010 which is part of the reason many people are reporting big PIP numbers. If somebody jumped 50% I would think this would be someone who is a really savvy investor or someone who just started their job at the right time.

 

[RealMoneyIssues]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 7.69%.

Bad August...

 

[wwwtractor]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 17.11%.

 

[jpcavin]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 30.57%.

 

[Bquat]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 8.04%.
(Your PIP is posted by the 3rd business day of each month.)

Not bad when I'm drawing 5%.

 

[jpcavin]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 8.04%.
(Your PIP is posted by the 3rd business day of each month.)

Not bad when I'm drawing 5%.

I'm jealous but last time I said I was jealous about anything it got me in trouble so I'll just say I'm happy for you.

 

[nasa1974]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 30.57%.

Fantastic. Great job.

 

[nasa1974]

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Your Personal Investment Performance (PIP for the past 12 months ending 08/31/2011 is 12.47%.

 

[Elgallo]

16.8% and I have the feeling Sept. ain't gonna be any better.

115 and a wake up!

 

[rikarus]

well coming up in the world! out of the negatives!

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 6.44%

 

[Frixxxx]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 27.4%.
(Your PIP is posted by the 3rd business day of each month.)

 

[Aviator_Guy]

Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2011 is 13.47%.

I'm down -11% YTD!!! Yeow, This is like, Not Good...