Interim Retirement Nestegg Report $1.1M

Interim Retirement Nestegg Report $1.1M

Well it took a bit longer to hit this milestone than maybe I expected. In fact it this was the longest between 100k milestones since I went from $500k to 600k. At this point in my nest egg’s life the market is much more in control of that than I am so I shouldn’t get too worked up about how fast or slow I hit milestones. The work has been done and now I’m just the captain of a big growing ship with tiny rudder which I guess was the whole point.

Taxable Account- $57,861.00
Private Stock $72,000
Traditional Rollover IRA – 41,307.01
My Roth IRA – $270,628.96
Wife Roth IRA – $170,661.10
Wife 401k – $4,169.32
Traditional 401k – $483,562.00

Roth/Traditional % = 40.11% (tax free)

Total Retirement Nest Egg $1,100,189.39
Retirement Salary (4%) $44,000

$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%)
June 2017 $21,182.53 (+5.56%) $800,000 (+14%)
January 2018 $25,484.72(+20.31%) $900,000 (+12.5%)
May 2018 $24,667.78(-3.21%) $1,000,000 (+11.1%)
April 2019 $26,234.34 (+2.94%) $1,100,000 (+10.0%)
Retirement Nestegg Report March 2019

Retirement Nestegg Report March 2019

Small growth in my retirement nestegg and some slightly less than stellar investment performance – especially in my 401k which seems strange given I’m in index funds there for most part. I got a boost of over $9k in 401k contributions this month due to an annual matching contribution that hit my account this month. Next 100k milestone should be just around the corner.

Taxable Account- $56,643.55 (-3.59%)
Private Stock $72,000 (+6.67%)
Traditional Rollover IRA – $40,785.98 (+6.15%)
My Roth IRA – $264,756.03(2.10%)
Wife Roth IRA – $168,278.22 (+1.13%)
Wife 401k – $4,121.42 (+1.69%)
Traditional 401k – $477,798.06 (+2.20%)

Roth/Traditional % = 40.09% (tax free)

Total Retirement Nest Egg $1,084,383.26 (+2.11%)
Retirement Salary (4%) $43,395

Monthly Contributions $9,314.91 (401k)
SP500 Performance +1.79%
My Monthly Investment Performance +1.23% (-0.56% vs SP500)
My Monthly Individual Stocks Performance +1.45% (-0.24% vs SP500)

Retirement Nestegg Report February 2019

Retirement Nestegg Report February 2019

Another strong month for my retirement nestegg and performance of my investments with my nestegg getting close to setting new all time highs.

Taxable Account- $58,750.59 (+4.45%)
Private Stock $67,500 (+0.90%)
Traditional Rollover IRA – $38,421.40 (+14.11%)
My Roth IRA – $259,315.26(+4.36%)
Wife Roth IRA – $166,401.38 (+5.73%)
Wife 401k – $4,053.1 (+3.42%)
Traditional 401k – $467,530.19 (+4.16%)

Roth/Traditional % = 40.09% (tax free)

Total Retirement Nest Egg $1,061,971.92 (+4.58%)
Retirement Salary (4%) $42,478

Monthly Contributions $2,340.92 (401k)
SP500 Performance +2.97%
My Monthly Investment Performance +4.35% (+1.38% vs SP500)
My Monthly Individual Stocks Performance +5.47% (+2.50% vs SP500)

Retirement Nestegg Report January 2019

Retirement Nestegg Report January 2019

Well the last three Januarys have been pretty good to the retirement nestegg. My portfolio all of the losses from December and bounced back up into 7 figures.

Taxable Account- $56,249.81 (+3.22%)
Private Stock $66,900 (+0.00%)
Traditional Rollover IRA – $33,670.55 (+9.16%)
My Roth IRA – $248,483.35(+10.76%)
Wife Roth IRA – $157,384.69 (+12.29%)
Wife 401k – $3,918.97 (+12.07%)
Traditional 401k – $448,846.25 (-0.32%)

Roth/Traditional % = 39.97% (tax free)

Total Retirement Nest Egg $1,015,453.62 (+9.10%)
Retirement Salary (4%) $40,618

Monthly Contributions $2,340.92 (401k)
SP500 Performance +7.87%
My Monthly Investment Performance +8.85% (+1.08% vs SP500)
My Monthly Individual Stocks Performance +10.21% (+2.34% vs SP500)

MY ALL TIME INVESTMENT PERFORMANCE JANUARY 2019

MY ALL TIME INVESTMENT PERFORMANCE JANUARY 2019

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%
201718.24%23.31%27.49%
2018-6.24%4.56%15.60%

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%
2017162.52% 159.17% 291.12%
2018146.13%170.99%352.14%

Annualized Returns since 2006

SP500 +7.17%
MFJ Nestegg +7.97%
MFJ Stocks +12.31%

MY BEST AND WORST STOCKS IN 2018

MY BEST AND WORST STOCKS IN 2018

While my individual stocks did not have as many high flyers at last year they actually had one of their best performances in history with 16 of my 22 individual stocks outperforming the market. I did have one of my new holdings more than double this year in Alteryx. It also helped that two of my largest holdings in Netflix and Amazon had banner years which really gave my performance a super boost.

Alteryx + 135.34%
Chiptole +49.39%
Netflix +39.44%
BJ’S +38.93%
Shopify +37.08%
Intuitive Surgical +31.23%
Amazon +28.43%
Under Armour +21.40%

On the other side of the spectrum I did have a few stocks underperform the market. IPGP led the way losing nearly half of its value. This is a long time holding for and despite the haircut am still up 615% since I originally purchased it in 2008 and 2009. It also was up 116% last year so tends to be a volatile holding.

IPG Photonics -47.09%
Middleby -23.88%
Brookfield Infrastructure -22.94%
Axos Financial -15.79%
Arista Networks -10.56%

MY INVESTMENT HOLDINGS JANUARY 2018

MY INVESTMENT HOLDINGS JANUARY 2018

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.

One thing that sticks out is that Tesla now accounts for 12.80% of my retirement nestegg which is up from 7.95% it was last year. Overall I guess this is a good thing as my individual stock investments greatly outperformed the market this year and so it only makes sense that some of my individual stocks are now accounting for a larger percentage of my nestegg.

Some people might view this as more risky as individual stocks can be quite volatile and well Tesla kind of fits that definition. That being said volatility doesn’t bother me and long term gains are all I’m really concerned about.

The larger my portfolio gets ironically the less volatility affects me as unless you are right on the absolute edge of your magic number and are relying 100% on your portfolio for income there really is not that much risk when it comes to volatility.

If your portfolio is safely above your retirement number or if you have means to gain income from other sources than your portfolio then significant downswings really shouldn’t concern you. This is why I’ve always had a very hard time comprehending why you would ever have an investment portfolio that was less than 100% stocks as you are just throwing away money by diversifying with bonds.

The devils argument here is that if the extra gains really don’t help you or aren’t needed then really no sense in risking money you need for money you don’t need. That being said the extra long term gains in my mind are a larger safety margin then eliminating short term volatility.

Guess time will tell

Symbol% of Portfolio
VPMAX12.31%
TSLA11.40%
VINIX11.28%
VIEIX10.48%
VILVX10.35%
NFLX8.49%
WOLFRIVER7.30%
AMZN6.61%
SHOP2.91%
ANET2.51%
SBUX2.24%
AAPL2.23%
CMG2.08%
UA1.28%
MIDD1.16%
BRK-B1.10%
AX1.09%
BIP0.91%
BJRI0.89%
TXRH0.78%
AYX0.64%
ISRG0.62%
IPGP0.48%
PRLB0.35%
COST0.28%
BKNG0.19%
$$CASH0.04%