Author Topic: I'm Sorry What? I Made How Much in Interest This Year? o_O  (Read 2768 times)

401Killer

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I'm Sorry What? I Made How Much in Interest This Year? o_O
« on: September 29, 2017, 12:34:43 PM »
So, looking at my accounts, about $203k in 401K investments over 3 company accounts... Earned $21,500 in interest this year alone? YTD? Did I read that right?

The one account started at $103k on 1/1/17, I've contributed $20.3k(Company match included) and it says "Interest / Dividends Gains - $14,225! @ a YTD performance of 12.48%" Totaling $137.9k YTD.

Does that sound correct? Anyone else having these kind of gains?


lexde

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #1 on: September 29, 2017, 12:38:37 PM »
I mean, it's almost certainly not interest alone, but it's not completely unreasonable. Keep investing and CONGRATS!

Cromacster

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #2 on: September 29, 2017, 12:44:22 PM »
If it's just referring to interest/ dividends that pretty crazy.

If its referring to total gains YTD, then yea that's about right if you are in total stock market indexes.

Keep trucking.
Mustachians are not the sort of people who sit around moaning about how the government is keeping them down.  We’re the people who look at what we got, figure out what we don’t like, and fix it.
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401Killer

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #3 on: September 29, 2017, 12:50:51 PM »
Added attachment picture of it. That's legit right?

jezebel

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #4 on: September 29, 2017, 01:05:34 PM »
Anyone else having these kind of gains?

Yes.  That appears to be market gains, not interest.

ponyboy

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #5 on: October 02, 2017, 07:08:25 AM »
lol...thats from market gains + interest + dividends.  The majority coming from market gains.

Car Jack

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #6 on: October 03, 2017, 06:47:01 AM »

Does that sound correct? Anyone else having these kind of gains?

I'm sure my portfolio is much more conservative than yours, but I looked at the $$ for fun.  I've actually never looked at dollar gain in the past....just percentage.  Your YTD % is better than mine (I'm at 50/50 asset allocation) but my number is bigger.  I also figured out that the number YTD is more than my salary this year, for the entire year.  :D

FI4good

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #7 on: October 03, 2017, 08:40:06 AM »
I started this employments pension scheme 24 months ago . On yesterdays valuation i've made 22% on the total sum of contributions . so stellar performance !
i'll soon be nearing 25% of the pot being interest only ..

p.s. ( Note 12% devaluation of GBP since Brexit vote and all my investments being in euro & dollar )
« Last Edit: October 03, 2017, 09:23:03 AM by FI4good »

yachi

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #8 on: October 03, 2017, 09:04:28 AM »
My vanguard account is showing a 1-year return of 86.2%.  The 1-year mark captures a low spot before the election, and includes the run-up since the election.  I wish I could repeat this performance for one or two more years, but I think Berkshire Hathaway is finally getting to it's fair value.

farmecologist

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #9 on: October 03, 2017, 10:14:14 AM »

Our returns have been incredible this year.  Just be aware that this has been a very, very, very, ... good year for the markets. It won't last forever.  However, just keep on trucking through good and bad times (if possible) and it will all average out!

This is coming from someone who has been investing since 1993...and has been through the ups and downs.


fattest_foot

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #10 on: October 03, 2017, 03:58:10 PM »

Our returns have been incredible this year.  Just be aware that this has been a very, very, very, ... good year for the markets. It won't last forever.  However, just keep on trucking through good and bad times (if possible) and it will all average out!

This is coming from someone who has been investing since 1993...and has been through the ups and downs.

It's mostly been "above average." I think annualized for all of 2017, it'd be about 16%. There have been quite a few years where we've had significantly higher gains (2013: 32%, 2009: 27%, 2003: 28%, 1998: 27%, 1997: 33%, 1995: 28%). I'd call those ones "very, very, very good" years.

yachi

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #11 on: October 03, 2017, 04:02:08 PM »

Our returns have been incredible this year.  Just be aware that this has been a very, very, very, ... good year for the markets. It won't last forever.  However, just keep on trucking through good and bad times (if possible) and it will all average out!

This is coming from someone who has been investing since 1993...and has been through the ups and downs.

It's mostly been "above average." I think annualized for all of 2017, it'd be about 16%. There have been quite a few years where we've had significantly higher gains (2013: 32%, 2009: 27%, 2003: 28%, 1998: 27%, 1997: 33%, 1995: 28%). I'd call those ones "very, very, very good" years.

Join the party!  A lot of us are looking at 10/2016 to 10/2017, which includes the rise after the presidential election.  YTD wouldn't include that rise.

ender

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #12 on: October 03, 2017, 05:27:28 PM »
Such a pet peeve of mine to lump dividends, appreciation, and interest all into "interest."

I blame 99% of financial people for misusing the terminology this way!

MilesTeg

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Re: I'm Sorry What? I Made How Much in Interest This Year? o_O
« Reply #13 on: October 04, 2017, 11:47:03 AM »
So, looking at my accounts, about $203k in 401K investments over 3 company accounts... Earned $21,500 in interest this year alone? YTD? Did I read that right?

The one account started at $103k on 1/1/17, I've contributed $20.3k(Company match included) and it says "Interest / Dividends Gains - $14,225! @ a YTD performance of 12.48%" Totaling $137.9k YTD.

Does that sound correct? Anyone else having these kind of gains?

The market is up about 15% so far this year, so yeah that's in line. It's great, just REMEMBER, this is a GOOD (bordering on GREAT) year, and there WILL be bad years.