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Do You Know What Your 401(k)’s Personal Rate of Return is for 2011?
By JLP | October 3, 2011
I just logged on to my wife’s 401(k) account. The balance is roughly $60,000 less than it was at the peak early this year (and this includes several thousand dollars of contributions). OUCH. Fidelity calculates a personal rate of return, which is the return adjusted for the timing of contributions. Our personal rate of return is -12.2%. If the trend continues through the 3rd quarter, it will mark the second year for a negative personal rate of return since 2005 (the first year we started getting personal rate of return information from Fidelity). Here is our allocation (aggressive) and history if you’re interested:
Bottom line: I’m not worried. We’re still in for the long haul.
Topics: 401(k), Investing, Retirement Planning | 4 Comments »
October 3rd, 2011 at 12:20 pm
I found mine, but the time frames are different.
Since July 1, 2011 -10.8%
For the past 1 year -4.1%
For the past 3 years * 0.6%
For the past 5 years * -2.8%
Since April 13, 2005 * -0.1%
Also, since I’m in Canada my foreign and domestic content is very different:
Your foreign content in this plan is: 69.9%
Also the plan for me is to be in it for the long haul. When I have 15 or 20 years left I’ll start moving things safer… but for now I may as well just ride out the storm. My allocation is pretty much 100% stocks.
October 3rd, 2011 at 12:44 pm
Fidelity has my PROR pegged at:
past 12 months (9/30/10 – 9/30/11): 3.2%
YTD (1/1/10 – 9/30/11): -3.1%
3rd quarter 2011: -6.6%
2010 (1/1/10 – 1/1/11): 14.3%
Stable-Value is by far the best investment in my mix for 2011…
October 3rd, 2011 at 2:37 pm
YTD through Sept = -8.82%. I am surprised it is not worse, but I have a large chunk in VWENX, so that probably helped.
October 3rd, 2011 at 8:36 pm
YTD -17%! OUCH