4x25 HBPP 2024 performance

[Ugly_Bird]

Somewhat about 12.5%
Not sure what CAGR would be.

[Hal]

Happy New Year everyone!
Here are the Aussie results.

[I Shrugged]

I don't know if this is the intended place for all of us to post our results, but here goes.
With the same disclaimer as years past: I'm not rebalancing, so these days I have 40-something percent in stocks, with the rest in gold, cash, and bonds.

14.1% for 2024

3 years: 4.4%
5 years: 6.9%
10 years: 6.2%

Considering the low risk profile, those are good in my book.

[Pet Hog]

From December 31, 2023 to December 31, 2024 (adjusted closes from yahoo finance):

VTI: +23.8% (from 234.08 to 289.81)
TLT: -8.1% (from 94.98 to 87.33)
IAU: +26.9% (from 39.03 to 49.51)
SHY: +3.9% (from 78.89 to 81.98)
PP nominal: +11.6%
Inflation: +2.8% (Nov 2023 to Nov 2024)
PP real: +8.8%

A solid year.

[tarentola]

Performance of Euro PP in 2024 (figures from Google Finance):

ETF 31/12/2024 1/1/2024 Diff %
---------------------------------------
EPA:CEU 335.79 304.52 10.27%
EPA:MTH 81.54 83.85 -2.75%
BIT:GBS 238.13 172.34 38.17%
EPA:MTA 125.02 121.20 3.15%
Combined 12.21%

EUR/USD 1.0363 1.1056 -6.68% (today's rates)

So performance about the same as the US. Gold helped by the weakening Euro. Euro shares lagging the US as usual.

My own Euro PP has a CAGR of 7.4% over six years. It is not standard, as the stocks section is now 40/40/20% EU/US/EM.

[frugal]

Performance of Euro PP in 2024 (figures from Google Finance):

ETF 31/12/2024 1/1/2024 Diff %
---------------------------------------
EPA:CEU 335.79 304.52 10.27%
EPA:MTH 81.54 83.85 -2.75%
BIT:GBS 238.13 172.34 38.17%
EPA:MTA 125.02 121.20 3.15%
Combined 12.21%

EUR/USD 1.0363 1.1056 -6.68% (today's rates)

So performance about the same as the US. Gold helped by the weakening Euro. Euro shares lagging the US as usual.

My own Euro PP has a CAGR of 7.4% over six years. It is not standard, as the stocks section is now 40/40/20% EU/US/EM.

Hi tarentola

So many years passed by …

Can you please explain your stocks section ?


Which etfs you have for all stocks?


I believe it is correct to diversify and have emerging markets maybe …

Hug