Weekly Investment Progress (November 13, 2017)

A little slip last week, but still above 18% for the year!

Screen Shot 2017-11-12 at 10.55.28 PM

Advertisements

Investment Quickie

It’s nice when you see one of your equities is surging.  I own individual shares of one of the following.  (NB: I’m still a big proponent for mutual funds, but I am also in favor of owning individual stocks, if you like the company, as long as it’s 1% or less of your entire investing portfolio.)

Screen Shot 2017-11-08 at 1.50.31 PM

Something New: Vanguard Personal Performance (October 2017)

Vanguard (not a paid sponsor, but I am open to the idea!) houses my taxable brokerage account and my Roth IRA.  TIAA-CREF has the honor of housing my work retirement.

With both accounts combined, I have averaged a personal rate of return over the past decade of 9.4%

Screen Shot 2017-11-03 at 1.34.32 PM

If we look at just my retirement account, it is more conservative, averaging 9.1%

Screen Shot 2017-11-03 at 1.34.52 PM

What i find more exciting is that, since inception (<10 years), my taxable brokerage account (which is aggressive) has averaged 10.0%!

Screen Shot 2017-11-03 at 1.35.17 PM

 

The Long Wait Is Over: 2017 October Net Worth Update

Here is what I have been up to financially since May:

Screen Shot 2017-10-31 at 9.54.35 PM

Cash has gone up and down, but has remained relatively the same.

Credit Cards look like a catastrophe, but that amount includes the little present to myself.  Remember that I pay my balances in full when due.

Investments are considerably higher.

Assets, like cash, go up and down.  That’s out of my control.

So, since May, I have averaged an increase of $5853/month.

Onwards and upwards!

Happy Halloween! What Scares You Financially?

This Suze Orman video introduces this blog entry’s topic: what scares you financially?

Do haunting finances keep you up at night?  Are you scared to open your financial emails/statements/mail?  Do you have a debt that needs to be exorcised?  Do money-loving trolls keep calling you at night?  Do you dread the thought of saving for retirement?  Are you haunted by your past financial life?

Reveal your fears in the comments section for it’s Halloween!

Weekly Investment Progress (October 30, 2017)

Although this past week was a rollercoaster with its ups and downs, it was overall up for me (by a little, or as Personal Capital puts it: “stayed flat this week”). This Tuesday (Halloween) will be my last additional (not-regularly-scheduled) investment for the year, with the excess going to personal savings. Wednesday will be my overdue progress report (since May?).

Screen Shot 2017-10-29 at 10.47.31 PM

The New Retirement Plan 2017

During my hiatus, I sat down and thought out how much I wanted my annual salary to be dedicated to investments: workplace, IRA, and taxable. I am using these three vehicles for my retirement savings. Due to additional summer teaching, I made the proverbial pretty penny (triple alliteration!) and wanted to draw the line between saving and spending.

So, I came up with the magical number of 50% of my basic gross salary.  (Yes, with additional teaching, my annual salary does go up, but I am going to use my barebones salary for retirement planning.) Including the company match, I plan on saving 50% each year. After that goal is achieved, I can save cash for whatever I want: home upgrades, toys, trips. etc. With the investments I have already planned for the rest of the year (Remember dollar-cost averaging!), I will hit my 50% goal with one last additional investment this Halloween.

With the remaining cash (and expected cash), I have already purchased my toy for this year.  (Hint: I am typing with it.) For the remainder of the year, extra money will just go to cash savings.

In his oft-quoted Baby Steps, Dave Ramsey says you should plan at least 15% of your household gross for retirement.  Thus, I am achieving (or planned to achieve each year) 3.33x his recommendation.  (And, yes, my cash-only emergency fund is in place.)

Thoughts?