Well, October is typically a down month, or a month when the market has crashes (1929, 1987, etc.) so I shouldn’t be surprised. Still, when I checked my investments a week before month-end and I was up about 1.5%. Then the bottom dropped out, and I ended up being down 1.5% for the month. Ouch!
The drop was spread out pretty much across all my allocation, with the S&P500 down 2.7%, International down 3.8% and REITS down. What was interesting was that small cap was up about 2%. For a decade the S&P500 was killing small cap. Maybe it’s turning?
So our allocation is as follows, as of July 2020:
Retirement Accounts: Remember, my allocation for these is:
- 20% Bond Index Fund
- 20% S&P500 Index Fund
- 20% International Index Fund
- 20% Small Cap Index Fund
- 20% REIT Index Fund
My 401K doesn’t have REIT option, so it’s just 25% for each.
My dividend account new allocation (as of Jan 2020) was:
- 50% Dividend Stocks
- 50% REITs
The dividend paying stocks varied, but most were down. Overall, the account was down -5.9%. My value account with Vanguard was down -2.1%, so it was in line with most of the stock losses.
October pushed me further into negative numbers for the year. I’m now at -3.3% for the year. As I noted back in October, I’m assuming we’ll gain some/all of that back for the year, and end 2020 about where we started.
Hope everyone is healthy and your market returns for the rest of the year go up!
Mr. 39 Months