Post Your "12-Month Personal Rate of Return"

[Lindoug]

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[TD="class: alignLeft"]Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 13.4%.

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[Unmanned]

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 8.34%.

Not too good this year but my long term number is still north of 12% so I'll keep plugging along hoping for better numbers this year!

 

[nasa1974]

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 7.58%

 

[craigerv]

Your Personal Investment Performance (PIP) for the past 12 months ending 11/30/2014 is 15.11%

Replaced my mediocre 2013 December with a pretty terrible 2014 December!

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 10.11%

 

[Lakebound]

Your Personal Rate of Return

Last 12 Months: 8.02%


Frank

 

[bmneveu]

so basically then pip is a fabricated weighted estimate of a number that has no basis in reality and does not equate with actual returns?

(i keep the pictures of my friends in the hollowed out base of a garden gnome on my back porch, it is a pretty small gnome as far as gnomes go).

This is how I think of it... The Autotracker only shows you the actual % interest you are making. It doesn't know your account balance, principle vs interest, or contributions. PIP is adjusting the % to accommodate for your contributions as well. See an example below.


Autotracker: You make 1% because your fund went up 1%. That just so happens to be $100 on your $10,000 account, but the AT doesn't know that. All it knows is that you earned 1% interest.

PIP: You make $100 on a $10,000 account. That is 1%. But you also added $1,000 in contributions that month. So your $100 in gains on your $11,000 account is now only .91%. Your PIP for that month will be .91% instead of 1%.


Now I'm not sure if this is 100% accurate, but this is how I understand it.

Edit: Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 16.79%.

 

[burrocrat]

That's not the way it works. Do you have pictures of your friends on your wall at home? LOL, just kidding!

Personal Investment Performance (PIP) — The rate of return earned by your entire account during the 12-month period ending on the date indicated on your annual statement or on your Account Balance page of the TSP website. The PIP is a time-weighted return that has been calculated using the Modified Dietz method (a method used by many financial institutions and an industry standard). The PIP adjusts for the distorting effects of cash flows into or out of your account. It is an estimate; therefore, your PIP may not be the same as the 12-month performance of the TSP funds, which are time-weighted returns.

so basically then pip is a fabricated weighted estimate of a number that has no basis in reality and does not equate with actual returns?

(i keep the pictures of my friends in the hollowed out base of a garden gnome on my back porch, it is a pretty small gnome as far as gnomes go).

 

[Intrepid_Timer]

my pip does not match my autotracker returns either and i always move my tsp.gov allocations in tandem with the tsptalk autotracker.

i think you are right. i think that contributions and/or loan repayments into tsp count as gains. i think if you started the year with $10,000 in tsp, broke dead even for a 0% return 12 months later, and contributed $10,000 into your account throughout out the year, then your ending balance would be $20,000 and your pip 100%.

That's not the way it works. Do you have pictures of your friends on your wall at home? LOL, just kidding!

Personal Investment Performance (PIP) — The rate of return earned by your entire account during the 12-month period ending on the date indicated on your annual statement or on your Account Balance page of the TSP website. The PIP is a time-weighted return that has been calculated using the Modified Dietz method (a method used by many financial institutions and an industry standard). The PIP adjusts for the distorting effects of cash flows into or out of your account. It is an estimate; therefore, your PIP may not be the same as the 12-month performance of the TSP funds, which are time-weighted returns.

 

[burrocrat]

My performance on the AT had me up 6.73% for 2014, but my tsp.gov PIP says only 4.97%. What gives? Is it because I took out a loan last January?

my pip does not match my autotracker returns either and i always move my tsp.gov allocations in tandem with the tsptalk autotracker.

i think you are right. i think that contributions and/or loan repayments into tsp count as gains. i think if you started the year with $10,000 in tsp, broke dead even for a 0% return 12 months later, and contributed $10,000 into your account throughout out the year, then your ending balance would be $20,000 and your pip 100%.

 

[Sensei]

My performance on the AT had me up 6.73% for 2014, but my tsp.gov PIP says only 4.97%. What gives? Is it because I took out a loan last January?

 

[uscfanhawaii]

Hey, Frixxxx. I like your signature line! Check out this one:
There are 10 types of people in this world. Those who understand Binary, and those that don't!

 

[Frixxxx]

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 14.84%.

On target with my calcs....Need better for next year!

 

[chpwolf]

Y'all are doing great. My 2014 wasn't as good:
Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 3.38%.

But it sure beats a stick in the eye.

 

[thenewguy23]

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 24.38

 

[rlundy]

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 4.08%.

 

[weatherweenie]

That'll work:
Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 10.07%.

 

[MrJohnRoss]

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 17.98%.

 

[jaybro61]

7.97%. Lost on last 3 days of DEC. Must work on timing for the selloffs!7 yrs. retired!!!!!!!!!

 

[RealMoneyIssues]

Your Personal Investment Performance (PIP) for the past 12 months ending 12/31/2014 is 10.34%

 

[Lili]

PIP 19.75% ending 12/31/2014

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