Tagging off a comment made in the stock market thread...


Whether its your 401K, taxable or whatever you got that you're paying someone else to manage

Whats your 1 yr and YTD

And what you pay

Mine is a taxable account, I pay 1.1%

1 yr- 24.11%
YTD- 7.28%
*may not be updated to today's 1.5% run but close enough


S&P for both

1 yr- 31.36%
YTD- 7.59%

1yr 24.7%
Ytd 6.8%

Target allocation is 60% VTI, 10% VXUS, 5% VO, 10% VGIT 10% VCIT and 5% VTEB

Self managed

Also withdrawing 3-3.5% a year

1 year - 26.35%
YTD - 8.46%

Retired Ag here. Let's see if I can do this!

401k + personal funds also managed.
Vanguard Flagship. Fee .03
50/50 stocks/bonds probably closer to 55/45 now.

Returns
YTD - 3.5%

1 year 18.2%

8.5% YTD
23.2% 1YR
Self managed / zero fees / this is all in across all retirement and non-retirement accounts, including cash.

Probably worthwhile to have some perspective on all these numbers as allocations are going to be all different based on where you are in life.

I'm 46 targeting early retirement 50-55, Total portfolio about 20% international, 25% bonds, remainder diversified US equities with some individual trading here and there to "stay engaged" lol.

YTD 4.8%
1Yr 22.4%

I pay $0 in fees. Less than 10% of my NW in this taxable account. Sits with family office - guy used to work with my grandfather and now manages my grandmothers money, my uncle's money, and a portion of my parent's money. I keep a small amount there as a diversification.

1 yr 40.97
YTD 9.45

Fee 0.6%

8.9% YTD
32.8% 1yr

Self managed in basic s&p etf and growth etf.. Set it and forget it. I was in a managed account for 10 years but got tired of the constant fees and other issues.

Hoyt Ag said:

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8.9% YTD
32.8% 1yr

Self managed in basic s&p etf and growth etf.. Set it and forget it. I was in a managed account for 10 years but got tired of the constant fees and other issues.

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I don't think you get into a managed account to beat or tie the S&P, but to diversify in a taxable friendly manner.

The hedge fund idea always seemed risky long term to me. Maybe thats a good place to rotate to when we're in a bull market but ya still gotta time the exit and then theres tax implications

jamey said:

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Hoyt Ag said:

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8.9% YTD
32.8% 1yr

Self managed in basic s&p etf and growth etf.. Set it and forget it. I was in a managed account for 10 years but got tired of the constant fees and other issues.

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I don't think you get into a managed account to beat or tie the S&P, but to diversify in a taxable friendly manner.

The hedge fund idea always seemed risky long term to me. Maybe thats a good place to rotate to when we're in a bull market but ya still gotta time the exit and then theres tax implications

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I never said I used a manager to beat the s&p. I originally hired that person in mid 20s to invest for me but after AUM and other fees I walked away. I'm 12 years from early retirement and will use a fee based advisor for tax help in 5 or 7 years as needed. My life is pretty simple so it won't require much assistance.

I pay someone to manage my largest IRA which had been a 401K. 1 year 23.59%. YTD was 6.68% through wnd of April so annualized over 20%. I'm 69 so a good bit of risk, not all, eliminated. I have a smaller IRA i manage myself just for fun and I'm over 20% on it.

cena05 said:

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YTD 14.33%
1 Yr 48.38%

I use Titan Invest. .4% advisory fee.

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And you send me your advisor's info?

I have 2 managed IRA's, one in single stocks and the other in ETF's.
Stock, YTD 5.4%
ETF, YTD 12.8%
Combined, YTD 9.07%
Paying 60 BP's.

FWIW I retired in 2018 and have had to take RMD's every year, the account has still doubled in size.

I have an old 403b that I moved over to a managed account. It's with a firm called Equitable Advisors.

The rest of my pre-tax investments (401k) are with Fidelity. The Fidelity account is about 2x the IRA. The benefit to having the IRA managed is that they will advise me on my total portfolio, even though they only manage a fraction of it.

IRA is up 30.66% the last year and 8.83% year to date (this is with no additional contributions).

Fidelity 401k is up 25.76% in the last year and 5.44% YTD (with maximum pre-tax contributions as well as some mega backdoor Roth contributions).

My account (2/3 managed) is up 24% the past year after fees and RMD's. YTD is 6.3% and I've taken 25% of my RMD. And my RMD's would choke a horse, Roth 401K was not offered when I worked, nor were withdrawals to an IRA prior to retirement. So I'm fully taxable. On the plus side A&M gets a lot of money I don't spend simply so I can avoid taxes.

New account started last December. Up ~40% since then.

My work SEP is divided amongst 4 managers. 3 are up about 6-8% ytd. 1 is DOWN 6% ytd. WTF? All together only a 5% gain.

My YTD on my personal "play" account is 20%. My "play" account is now worth about 2/3rds of my "managed" account.

OldArmyCT said:

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My account (2/3 managed) is up 24% the past year after fees and RMD's. YTD is 6.3% and I've taken 25% of my RMD. And my RMD's would choke a horse, Roth 401K was not offered when I worked, nor were withdrawals to an IRA prior to retirement. So I'm fully taxable. On the plus side A&M gets a lot of money I don't spend simply so I can avoid taxes.

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I'm trying to build up my 401K ROTH to reduce the taxable part. I started a ROTH IRA last year to get the 5 year rule in motion but only contributing to Roth401K now

GeorgiAg said:

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My work SEP is divided amongst 4 managers. 3 are up about 6-8% ytd. 1 is DOWN 6% ytd. WTF? All together only a 5% gain.

My YTD on my personal "play" account is 20%. My "play" account is now worth about 2/3rds of my "managed" account.

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Out of curiosity, what is the -6% invested in?

Not a direct advisor, but a managed portfolio. You can download the app or go to www.titan.com. I mainly invest in the Flagship offering with a small amount in their Opportunities.

They do have a team that is very easy to talk to and discuss finances with. Been on several calls with them.

AggieInHouston said:

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GeorgiAg said:

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My work SEP is divided amongst 4 managers. 3 are up about 6-8% ytd. 1 is DOWN 6% ytd. WTF? All together only a 5% gain.

My YTD on my personal "play" account is 20%. My "play" account is now worth about 2/3rds of my "managed" account.

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Out of curiosity, what is the -6% invested in?

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crap stock

self managed.. and always just buying and holding. No calls/options/day trading.
Mixture of about 25 stocks and 10 mutual funds.

YTD 10.64%
1YR 33.5%

YTD: 10.2%
1YR: 34.6%

Self managed through Vanguard

Roth 401k for retirement
7.5% YTD
23.3% one year
24.3% per year since initial (3 years)

Trading
Started 1/1/2026 - YTD 32%. Already matched salary last year.

Recently retired.
Opened Ameriprise account of Traditional/Roth IRAs 10 months ago.
YTD - 7.4%
10-month - 14%

Self managed

1YR: 38.49%
YTD:: 10.62%

Not a bad month




A little help from steel and tech it looks like!

GeorgiAg said:

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AggieInHouston said:

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GeorgiAg said:

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My work SEP is divided amongst 4 managers. 3 are up about 6-8% ytd. 1 is DOWN 6% ytd. WTF? All together only a 5% gain.

My YTD on my personal "play" account is 20%. My "play" account is now worth about 2/3rds of my "managed" account.

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Out of curiosity, what is the -6% invested in?

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crap stock

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I resemble this remark.

i 100% track s&p500 for my retirement accounts,
so not too bad (YTD, 1yr, 5yr)

I am self-managed brokerage acct:

1 Yr - 29.6%
YTD - 10.3%

If you would have asked me about 2 months ago right before the March "crash".... 1 Yr - 36%
My brokerage plunged $84k between March 2 - 20! Ugh I have a lot of precious metal/mining stocks in that brokerage, one stock was up 1800%, others were 300-800%! Why am I still holding the bag!!!

My 401ks:
1 yr - 28.9%
YTD - 12.1%

Mix of Fidelity mutual funds and ETFs.

11.36% YTD
45.02% 1 Year

It would be more interesting to see how the managed do in a down market.