Retirement Nestegg Report – June 2015

Well despite the market being down over 2% last month my retirement nestegg still grew by a few thousand dollars thanks to some pretty extreme out performance by my individual stock investments. My stocks this month outperformed the SP 500 index by 4.35%!! Which is pretty impressive and impactful seeing as how over half my nestegg is invested in individual stocks.

Taxable Account – $19,931.18 (+2.59%)
Traditional Rollover IRA – $35,651.20 (+3.02%)
My Roth IRA – $ 138,459.05 (+2.44%)
Wife Roth IRA – $80,140.79 (+1.51%)
Traditional 401k – $234,905.52 (-1.53%)

Roth/Traditional % = 42.94% (tax free)

Total Retirement Nest Egg $509,087.74 (+0.47%)
Retirement Salary (4%) – $20,363.51

Monthly Contributions $2,059.97 (401k)
SPY Performance -2.10%
My Monthly Investment Performance +0.07% (+2.17% vs SP500)
My Monthly Individual Stocks Performance +2.25% (+4.35% vs SP500)

Retirement Nestegg Report – May 2015

Another month of nice growth and out-performance of the SP500. My nestegg finished above the $500k mark for the first time in history. It’s funny to me how as the numbers in my accounts get bigger and bigger that a $15k jump in a month seems like a very ho-hum thing and just a few years ago $10k in a month would have had me dancing in the streets. I look forward to my first $100k increase in a month.

Taxable Account – $19,428.60 (+6.28%)
Traditional Rollover IRA – $34,606.62 (+3.63%)
My Roth IRA – $135,155.27 (+3.54%)
Wife Roth IRA – $78,950.46 (+4.62%)
Traditional 401k – $238,556.66 (+2.43%)

Roth/Traditional % = 42.26% (tax free)

Total Retirement Nest Egg $506,697.61 (+3.11%)
Retirement Salary (4%) – $20,267.90

Monthly Contributions $1,373.31 (401k) $2000 (Wife Roth IRA)
SPY Performance +1.05%
My Monthly Investment Performance +2.47% (+1.42% vs SP500)
My Monthly Individual Stocks Performance +2.95% (+1.90% vs SP500)

Retirement Nestegg Report – April 2015

Another month another report – not much to say this month. Slight outperformance of the market and some small growth of my nestegg.

Taxable Account – $18,280.5 (+14.04%)
Traditional Rollover IRA – $34,341.22 (-5.93%)
My Roth IRA – $130,426.54 (+3.54%)
Wife Roth IRA – $75,467.36 (+3.89%)
Traditional 401k – $232,898.10 (+0.96%)

Roth/Traditional % = 41.88% (tax free)

Total Retirement Nest Egg $491,413.61 (1.99%)
Retirement Salary (4%) – $19,656.55

Monthly Contributions $1,807.71 (401k)
SPY Performance +0.85%
My Monthly Investment Performance +1.61% (+0.76% vs SP500)
My Monthly Individual Stocks Performance +2.93% (+2.08% vs SP500)

Interim Retirement Nestegg Report – I broke $500,000

Well it took a little longer than last time, but compound interest is still working its magic with my retirement nestegg. Today I officially broke through the $500,000 mark for the first time. This milestone came 14 months after the $400k milestone which was actually slower than it took to go from $300k to $400k, but this market is not exactly the magical market that existed in 2013.

The more I update those tables below the more I question why I used a stupid metric like the DOW as an indicator, I think the only reason I chose it was because of the nice symmetry for when I first broke through $100k and the DOW also being at exactly 10,000 – anyway you get the idea that my nestegg is growing faster than the ridiculously dumb and outdated DOW index :-)

I also broke through another milestone this month – my wife and I had our 5th kid! While this certainly won’t help me financially I think it carries some weight to the fact that you can’t use kids as an excuse as to why you are not achieving your financial goals/dreams. 5 kids and 1 income have worked out just fine for me to reach $500k in retirement assets at age 35 – and I am hardly hardcore when it comes to being frugal – though I’m also not a moron generally when it comes to spending money either. So it’s been a nice balance I’ve been able to work out.

Taxable Account – $17,678.94
Traditional Rollover IRA – $37,561.08
My Roth IRA – $133,790.44
Wife Roth IRA – $77,432.67
Traditional 401k – $236,145.41

Total Retirement Nestegg – $502,617.54

$100,000 NestEgg Milestones

Date DOW Jones Value MFJ Nestegg
Oct 2008 10,000 $ 69,300
Oct 2009 10,000 (+0%) $100,000 (+44%)
Feb 2012 13,000 (+30%) $200,000 (+100%)
Jul 2013 15,423 (+19%) $300,000 (+50%)
Feb 2014 16,395.88 (+6.3%) $400,000 (+33%)
April 2015 18,084.48 (+10.30%) $500,000 (+25%)

Retirement Nestegg Report – March 2015

Another big contribution month for my 401k due to company bonuses getting paid out this month. Overall a pretty boring month – no $40k swings or anything like that – though I expect/hope there will be some of those coming up in the future one way or the other. Volatility is the investors friend.

Taxable Account – $16,030.31 (-3.15%)
Traditional Rollover IRA – $36,508.31 (-1.48%)
My Roth IRA – $125,964.81 (-1.95%)
Wife Roth IRA – $72,647.36 (-4.11%)
Traditional 401k – $230,681.99 (+0.79%)

Roth/Traditional % = 41.25% (tax free)

Total Retirement Nest Egg $481,832.78 (-1.00%)
Retirement Salary (4%) – $19,273.31

Monthly Contributions $3,266.21 (401k)
SPY Performance -1.74%
My Monthly Investment Performance -1.67% (+0.07% vs SP500)
My Monthly Individual Stocks Performance -2.60% (-0.86 % vs SP500)

Retirement Nestegg – February 2015

Well another all-time high by a long shot this month. My nestegg increased by almost $39k this month! This was in part by crazy strong returns for the stock market and the fact that I also contributed $14k to my accounts this month.

The big contributions were due to two reasons. First I received a very large federal tax refund which I decided to invest entirely in Tesla Motors stock in my taxable account. I know I need to adjust my allowances – I filled out my W-4 nearly 9 years ago when I started my job and I’ve had a handful of kids since then.

I also received a portion of my 401k matching 5.5% that my company contributes once a year into my 401k (on top of the 4% they put in with each paycheck).

I am getting with in striking distance of the half a million dollar milestone and I expect that I could eclipse this figure next month due to the fact that there is a chance I would get a bonus payout from work next month.

It was also nice to see my potential retirement income jump by about $1500 a year in just one month!

Taxable Account – $16,551.55 (+70.30%)
Traditional Rollover IRA – $37,058.16 (+5.62%)
My Roth IRA – $128,463.17 (+4.99%)
Wife Roth IRA – $75,762.74 (+6.70%)
Traditional 401k – $228,876.40 (+9.23%)

Roth/Traditional % = 41.96% (tax free)

Total Retirement Nest Egg $486,712.02 (+8.71%)
Retirement Salary (4%) – $19,468.48

Monthly Contributions $7,799.06 (401k) $6,300 (Taxable)
SPY Performance +5.49%
My Monthly Investment Performance +5.56 % (+0.07% vs SP500)
My Monthly Individual Stocks Performance +5.61% (+0.12 % vs SP500)

Retirement Nestegg Report – January 2015

Well another all-time high and I finally put some good distance between the SP500 and myself when it comes to peformance. Last year I trailed the SP500 by 2.5-3.5% and this month I made up a lot of that ground already. It’s earnings season and a number of my big stock holdings (Netflix, Amazon, Apple, Starbucks) had some great reports and good increases in stock prices this month. Let’s hope this trend continues into February.

Taxable Account – $9,719.27 (+1.19%)
Traditional Rollover IRA – $35,086.77 (-0.34%)
My Roth IRA – $122,362.76 (+3.89%)
Wife Roth IRA – $71,005.71 (+1.46%)
Traditional 401k – $209,546.10 (-1.52%)

Roth/Traditional % = 43.39% (tax free)

Total Retirement Nest Egg $447,720.61 (+0.51%)
Retirement Salary (4%) – $17,908.82

Monthly Contributions $2,655.90 (401k)
SPY Performance -3.10%
My Monthly Investment Performance +0.00 % (3.10% vs SP500)
My Monthly Individual Stocks Performance +2.63% (+5.46 % vs SP500)