QUICKEN PREMIER 2005

[lsitter]

imported post

lsitter wrote:

Is this working? Two weeks ago my answer would bea resounding 'YES!'. Now, I doubt my math. According to my spreadsheet, by making every move recommended, my rate of return since June 2, 2003 would be 77.46%. $100 would now be $177.46. I have not always followed the spreadsheet due to testing, emotions, etc. My spreadsheet math shows my personal/actual rate of return since June 2, 2003 as 29.85%. I believe I have adequately allowed for the 1 day delay in moving funds. As I do the quick math in my head and add my contributions and the matching to my balance and then factor in my RoR for the last year, the numbers don't add up. At least I don't think they do. Hencewith, the reason for my doubts.

I have used the TSP Return Calculator to verify my math. It looks like I have my numbers right. For 2004, I made a 12.82% rate of return. Not that great considering the S Fund made 18.03% and the I Fund made 20.00%. The thing to remember is this: I didn't always follow my own recommendations and let my emotions get in the way. Had I followed the spreadsheet recommendation 100% I would have had a 29.42% return for 2004. I have got to take my emotions out of this!

For 2005, my spreadsheet has a return of 0.41%. This beats the C, S, and I. Not the F Fund, but I don't use the F ever. Maybe I should try to incorporate that in my formulas.

Anyhow, how does this compare to you guys?

Lou

 

[Rolo]

imported post

lsitter wrote:

For 2004, I made a 12.82% rate of return. Not that great considering the S Fund made 18.03% and the I Fund made 20.00%.

I have the same problem! I made 12.6 or .8 or something in '04 and was disappointed, too: "Whatever it is I'm doin' ain't werkin', so I need to fix it."

lsitter wrote:

The thing to remember is this: I didn't always follow my own recommendations and let my emotions get in the way. Had I followed the spreadsheet recommendation 100% I would have had a 29.42% return for 2004. I have got to take my emotions out of this!

Ummm...yeah, you should be kicking yourself harder than I have, hehe.

I was tinkering with a spreadsheet :dude:<-- Frizz B. made with giving more weight to more recent share prices. I never really got anywhere with it and stopped screwing with it. It sounds like you have a good system; I wonder how it will do in various markets.

lsitter wrote:

For 2005, my spreadsheet has a return of 0.41%. This beats the C, S, and I. ...Anyhow, how does this compare to you guys?

One of the few to make a YTD profit, I think.