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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: chowder who wrote (19073)	8/3/2025 10:54:43 AM
From: SeeksQuality	15 Recommendations Recommended By CharlesJames chowder Das Kapital ddbpaso HC Builder and 10 more members Read Replies (1) \| Respond to of 21990

Wasn't a great month for our portfolio. The taxable account was down (1.00%) for the month and is now up just 1.94%. The account is packed with positions that in my opinion are overvalued here and don't have much upside. It is also loaded down with unrealized capital gains. I've already recognized enough of those this year, so the rest -- quality companies if overvalued -- will have to ride whatever the results. It also holds the bulk of our CD ladder, which weighs on returns. Overall, including that account, our numbers: 1-mo +0.76%, 3-mo +5.69%, YTD +7.88%, 1-yr +9.86%, 3-yr +35.84%, 5-yr +73.21%, 10-yr +183.05% I traditionally comp to the 85% Index Blend: 1-mo +1.26%, 3-mo +10.63%, YTD +9.89%, 1-yr +13.82%, 3-yr +45.75%, 5-yr +70.70%, 10-yr +152.85% Though at this point (and over the last 10 years) it is closer to being risk-comparable to the 70% Index Blend: 1-mo +1.01%, 3-mo +8.81%, YTD +8.80%, 1-yr +12.03%, 3-yr +38.47%, 5-yr +56.01%, 10-yr +123.40% So.... I don't love our returns, especially on the buy-and-hold taxable account. The largest positions in the account are BRK.B (mostly finished building by 2023), AAPL (built in 2015), MSFT (mostly built in 2020-2022), HON (mostly built in 2017), and UNP (mostly built in 2016-2018). They aren't necessarily what I would have chosen to perform in 2025, but they are long-term positions that I'm not going to worry about. But at the same time the portfolio is meeting our goals. My usual target is an 8% return, though it is written into our plan as a 7% return (a 4% real return). But we are far enough ahead of that plan that a 2% real return for the rest of our lives suffices. I've joked about selling everything and putting it all into TIPS, though that is a concept which is less risky in theory than in practice. So I'll celebrate the market doing well for those who are invested in growth and momentum, but I'm not suffering FOMO. This is a market rally that I don't need to chase - maybe once our real life situation has settled (which should happen in the next 3-5 years) I'll be on board with chasing the next one. In the meantime I'm more focused on not giving it back. Good luck to all!