Retirement Nestegg Report February 2017

Retirement Nestegg Report February 2017

Taxable Account- $45,034.40 (+0.66%)
Private Stock $60,000 (+0.00%)
Traditional Rollover IRA – $28,980.84 (+2.24%)
My Roth IRA – $163,891.10 (+3.12%)
Wife Roth IRA – $92,566.97 (+3.07%)
Traditional 401k – $326,841.20 (+2.84%)

Roth/Traditional % = 35.75% (tax free)

Total Retirement Nest Egg $717,304.51 (+3.58%)
Retirement Salary (4%) $28,692

Monthly Contributions $1,371.16 (401k)
SP500 Performance +3.72%
My Monthly Investment Performance +3.38% (-0.34% vs SP500)
My Monthly Individual Stocks Performance +2.68% (-1.04% vs SP500)

Retirement Nestegg Report January 2017

Retirement Nestegg Report January 2017

Well another new year and another new high for my nestegg and the best part is this time it was actually my portfolio doing the work. My investments soundly trounced the market this month after falling behind most of last year. Let’s hope this trend continues.

Taxable Account- $44,740.58 (+2.73%)
Private Stock $60,000 (+0.00%)
Traditional Rollover IRA – $28,346.37 (-3.01%)
My Roth IRA – $158,937.29 (+0.83%)
Wife Roth IRA – $89,806.94 (+5.54%)
Traditional 401k – $310,689.53 (+2.84%)

Roth/Traditional % = 35.43% (tax free)

Total Retirement Nest Egg $692,520.71(+3.29%)
Retirement Salary (4%) – $27,700

Monthly Contributions $1,371.16 (401k)
SP500 Performance +1.79%
My Monthly Investment Performance +3.09% (+1.30% vs SP500)
My Monthly Individual Stocks Performance +4.37% (+2.58% vs SP500)

Interim Retirement Nestegg Report – I broke $700,000

Interim Retirement Nestegg Report – I broke $700,000

Well this is more like it. Only 5 months after surpassing the $600k mark I have now surpassed the $700k mark. Part of this is cheating due to the fact that I now include some private stock that was not previously included in my 600k report, but I will take it. It is also interesting that the DOW broke 20,000 for the first time today and the first time I broke $100,000 the DOW was at 10,000 so while the DOW has doubled in size my retirement nestegg has septupled in size. Given the size of my nestegg and the size of my contributions I should now expect to be breaking threw new $100k barriers at least once a year in up years going forward and it will only get easier from there.

Taxable Account – $47,266.28
Private Stock – $60,000
Traditional Rollover IRA – $30,426.88
My Roth IRA – $162,737.58
Wife Roth IRA – $92,116.91
Traditional 401k – $309,917.66

Total Retirement Nestegg – $702,465.31

$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%)
August 2016 18,636.05 (+3.05%) $600,000 (+20%)
January 2017 20,068.51 (+7.69%) $700,000 (+17%)
My Best and Worst Stocks In 2016

My Best and Worst Stocks In 2016

Here are my best performing stocks for 2016. As with my portfolio in general no real fireworks this year. No individual stock doubled this year and in general my bigger winners were smaller positions in my portfolio so their impact wasn’t felt as much. As with most stocks I own I feel really good about this bunch of winners and expect most of them to make the big winner list in the future. 3D systems has made the biggest winners or losers list every single year since I purchased it in 2012. Up huge in 2012(+90.40%) and 2013(+172.91%), down huge in 2014(-63.79%) and 2015(-73.63%), and now on the winners list in 2016(+52.93%). Unfortunately for me that adds up to -61% returns for me on 3D Systems 🙁

Shopify +66.15%
3D Systems Corp + 52.93%
BOFI Holding +35.63%
Texas Roadhouse +34.85%
Brookfield Infrastructure Partners +32.36%
Arista Networks + 24.32%
Berkshire Hathaway +23.48%

My worst performers this year include some of my largest positions and favorite stocks and also explains why my stock portfolio so greatly under performed the market in 2016. Under Armour led the way with nearly a 40% drop in value in 2016. I consider Under Armour a great company and a company that will one day surpass Nike in size which would mean outsized gains for me and my portfolio. Stratasys and Proto Labs are part of the 3D printer craze and with 3D Systems are probably companies who have an uncertain future, but for now I will let things play out. Chipotle has fallen on hard times after a Norovirus scare at a couple of their location. Yes they have been hurt in the short term and have some hurdles to overcome, but it is a great company with food that people love and will rebound in the years to come. Tesla is currently nearly my largest stock holding with it and Netflix flipping back and forth. Overall I feel that Tesla over the next 10 years will make me quite wealthy and make the world a better place in the process and is one company I have invested more in than any other company by far. The next few years should be exciting for that position.

Under Armour -39.35%
Stratasys -29.55%
Chipotle Mexican Grill -21.32%
Proto Labs – 19.37%
The Boston Beer Company -15.88%
Tesla -10.97%

My All Time Investment Performance January 2017

My All Time Investment Performance January 2017

Continuing on my tradition from previous year’s I have calculated my cumulative investment returns from 2006 until now against the SP500.

As I mentioned in recent posts 2016 was a very underwhelming year for my investments and it is reflected in these statistics as well. My NestEgg is now underperforming the SP500 index over the 11 years that I have been investing. Returning a little over 1/2 percent less per year than the SP500 index. My stock returns are still besting the SP500 by a few percentage points which means my 401k has really been lackluster which kind of surprises me as I wouldn’t have expected to have significantly lower returns in there using basically series of Vanguard funds over the years and if I look at my performance that is not reflected so I am kind of at a loss right now.

Vanguard 401k Returns

MFJ Returns By Year

YearSP500MFJ NesteggMFJ Stocks
200615.79%14.37%14.20%
20075.49%5.50%7.25%
2008-37.00%-47.98%-37.00%
200924.46%32.75%35.78%
201015.06%24.60%36.94%
20112.11%-5.53%-2.29%
201216.00%18.12%10.25%
201332.39%50.20%68.58%
201413.69%8.91%7.91%
20151.38%7.3414.34
20169.54%3.32%-4.57%

MFJ Cumulative Returns By Year

YearSP500MFJ NesteggMFJ Stocks
200615.79%14.37%14.20%
200722.15%20.66%22.48%
200823.05%-37.23%-22.84%
2009-2.69%-16.68%4.77%
201011.97%3.82%43.47%
201114.33%-1.92%40.19%
201232.63%15.85%54.56%
201375.58%74.01%160.55%
201499.62%89.51%181.16%
2015102.37%103.42%221.48%
2016121.68%110.18%206.79%

Annualized Returns since 2006

SP500 +7.51%
MFJ Nestegg +6.98%
MFJ Stocks +10.73%

My Investment Holdings January 2017

My Investment Holdings January 2017

In annual tradition I will list all of my current investments. These really do not change significantly from year to year as I don’t do a lot of buying and selling and well now as my portfolio has grown so big the amount of money I am putting in towards new investments tends to be sort of insignificant.

That being said there was some movement around this year. The mutual funds are part of my 401k and are a very similar percentage of my overall retirement nestegg. I max out my 401k each year and kind of just set it and forget about it. My 401k makes up about 45% of my nestegg.

My individual stock holdings comprise of about 30-40 stocks with the new addition this year being that I am now including some private stock I had previously not included that is actually my largest individual stock holding. My top 5 public stock holdings this year are Netflix, Tesla Motors, Amazon, Buffalo Wild Wings, and Under Armour which are the same five from last year with a few of them flipping spots.

I feel super good about that top 5. My Tesla stake has increased due to the large investment I had in Solar City which the acquired as well as most of my investment money this year going to Tesla. I feel very strongly that their future will be very bright and have a big enough and diversified portfolio that I can probably take a larger risk there without it really affecting my overall portfolio too negatively.

SYMBOLPercentage
VPMAX11.49%
VIEIX11.48%
VINIX11.38%
VILVX10.73%
Private Bank Stock8.95%
NFLX6.47%
TSLA6.44%
AMZN4.59%
BWLD4.38%
UA4.15%
SBUX2.57%
CMG2.53%
AAPL2.19%
MIDD2.02%
BOFI1.28%
BRK-B1.22%
AMBA1.17%
BIP1.12%
BJRI0.94%
PNRA0.89%
ANET0.61%
TXRH0.60%
IPGP0.56%
ISRG0.38%
ZOES0.34%
COST0.28%
PRLB0.27%
SHOP0.26%
DDD0.25%
PCLN0.22%
SAM0.15%
SSYS0.09%
Retirement Nestegg Report December 2016

Retirement Nestegg Report December 2016

Overall a pretty disappointing year for my Retirement Nestegg. My investments greatly underperformed the market and the market was up a nice amount this year. Overall this is an anomaly based on my previous 10+ years of investing and will not cause me to make any rash changes to my investment philosophy. It is still frustrating though especially when my account is large enough now where even average investment performance probably would have pushed me over the $700k mark.

One area where I knocked it out of the park this year was in my investment contributions. I contributed a record $67,350 to my retirement accounts this year. Part of this was a $25,000 contribution I made to a taxable account with left over money we had after building our house. Overall I want to continue to bump up our taxable account as we start ramping up for early retirement.

Taxable Account- $43,553.69 (+2.25%)
Private Stock $60,000 (+0.00%)
Traditional Rollover IRA – $29,225.55 (-5.47%)
My Roth IRA – $150,481.80 (+0.83%)
Wife Roth IRA – $85,092.60 (+4.94%)
Traditional 401k – $302,111.57 (+2.06%)

Roth/Traditional % = 35.43% (tax free)

Total Retirement Nest Egg $670,465.21(+1.60%)
Retirement Salary (4%) – $26,818

Monthly Contributions $653.13 (401k)
SP500 Performance +1.82%
My Monthly Investment Performance +1.51% (-0.31% vs SP500)
My Monthly Individual Stocks Performance +1.48% (-0.34% vs SP500)

My retirement contributions for 2016 $67,350.70
401k $18,000.00
401k matching $12,350.70
My Roth IRA $5,500
Wife Roth IRA $5,500
Taxable Account $26,000

SP500 Performance for 2016 +9.54%
Investment Performance for 2016 +3.32% (-6.22% vs SP500)
Individual Stock Performance for 2016 -4.57% (-14.11% vs SP500)
Total Investment Return 2016 +$17,455.46