Investment Update Nov 2020 – Two months in a row, I’m down

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!

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Mr. 39 Months

2 thoughts on “Investment Update Nov 2020 – Two months in a row, I’m down”

  1. We moved to using a Tactical Asset Allocation service that rebalances monthly to help with the volatility. This market is killer. We are also majority real estate, and while our properties are fine now, I’m still worried about 2021, even 2022, as this pandemic extends and recovery is uncertain.

    1. I know, the market is nuts right now. I’d like to ramp out to some real estate, but can’t seem to get there right now with work. I’ve had to settle to being 20% in REITs for my real estate.

      I think nobody knows what 2021 and 2022 will bring, even as this election winds down. We’re in for more irregularity in the months and years ahead. My plan is to pay down/off debt, make sure our emergency funds is large enough, and be ready for anything. Also trying to grow our own food.

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