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Post Your "12-Month Personal Rate of Return"
- Thread starter Rogue
- Start date
MrBowl
Well-known member
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[TD="class: alignLeft"]Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2014 is 14.5%.
(Your PIP is posted by the 3rd business day of each month.)
Last month it was only 5.35%. I dropped August 2013 (-2.76%) and added August 2014 (+4.41%) for a difference of +7.17%. So, you would think that my PIP would be closer to +12.52%. I'm obviously not computing all that goes into it, but I'll take it.
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[TD="class: alignLeft"]Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2014 is 14.5%.
(Your PIP is posted by the 3rd business day of each month.)
Last month it was only 5.35%. I dropped August 2013 (-2.76%) and added August 2014 (+4.41%) for a difference of +7.17%. So, you would think that my PIP would be closer to +12.52%. I'm obviously not computing all that goes into it, but I'll take it.
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RealMoneyIssues
Well-known member
Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2014 is 21.39%
Frixxxx
Moderator
From Tsp.gov:
https://www.tsp.gov/sitehelp/glossary/glossaryOfTerms.shtml
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 a modified-Deitz 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.
The Dietz method is a good read, but in depth. You can't just add/subtract performance.
Intrepid_Timer
Well-known member
For last month's 12 month PIP, you started out in the hole (-2.76%). Depending on what you did last Sept, you probably didn't start out in the hole this month, so your return PIP this month will be better than last month's just based on that. Just assume you are starting every 12 month rolling PIP period with $1000 and add or subtract your monthly gains each month. If you start out in the hole like in Aug of 2013, your PIP will reflect that as you have to make more to get back to zero, which lowers your 12-month PIP. If you started out losing 2% the first month and made 2% the next, you wouldn't be back at $1000, you'd have less, so your 2-month PIP wouldn't be 0%, it would be -0.04%................
InsaneZane1
Member
If you started out losing 2% the first month and made 2% the next, you wouldn't be back at $1000, you'd have less, so your 2-month PIP wouldn't be 0%, it would be -0.04%................
FYI, the way he got that number is by multiplying -2% (0.98) by +2% (1.02), which comes out to 0.9996, or -0.04%.
PessOptimist
Well-known member
I think I know the answer to this but am asking anyway because I can't remember past posts. I neglected to make note of my PIP for June and July 2014. I understand there is no easy way to retrieve them.
Am I correct?
PO
Am I correct?
PO
I believe if you go to your TSP account and select a date to view your account balance for August or July. You can go down to the bottom where you select your PIP and it will show you for that month. I just tried but it wouldn't let me select a new date for some reason. But I have done it before.
Handballer
Active member
Your Personal Investment Performance (PIP) for the past 12 months ending 08/31/2014 is 17.17%.
(Your PIP is posted by the 3rd business day of each month.)
(Your PIP is posted by the 3rd business day of each month.)
Intrepid_Timer
Well-known member
PIPs are out (21.64)
S fund 12-month return at the end of SEP 2014: 9.90% It made 2.94% in OCT of last year.
S&P 500 12-month return at the end of SEP 2014: 17.24% It made 4.46% in OCT of last year.
S fund 12-month return at the end of SEP 2014: 9.90% It made 2.94% in OCT of last year.
S&P 500 12-month return at the end of SEP 2014: 17.24% It made 4.46% in OCT of last year.
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