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Retirement Nestegg Report March 2020

Retirement Nestegg Report March 2020

Well another exciting month for the stock market and some more wild volatility. My nestegg has held up a little better than the market, besting it by over 3% as the SP500 fell 15% this month. My contributions were higher than normal – part of this is the timing of a 401k matching that hit my 401k this month and me taking advantage of some of the recent market downturn to purchase more of my favorite companies.

Going forward if things continue to fall I would expect some additional contributions by myself, but short of that it’s business as usual as I get to enjoy some extra time with my family due to the coronavirus outbreak.

M1 Taxable – $2,985.29(-5.27%)
Taxable Account- $77,178.66 (-9.96%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $41,333.49(-16.59%)
My Roth IRA – $317,043.75(-10.30%)
Wife Roth IRA – $196,072.48(-10.89%)
Wife 401k – $3,882.67(-10.97%)
Traditional 401k – $443,019.06(-13.13%)

Roth/Traditional % = 44.48% (tax free)

Total Retirement Nest Egg $1,153,515.40(-11.15%)
Retirement Salary (4%) $46,140

Monthly Contributions $7,465.89(401k) $1,000(M1) $2,000 (Taxable)
SP500 Performance -15.00%
My Monthly Investment Performance -11.95% (+3.05% vs SP500)
My Monthly Individual Stocks Performance -11.70% (+3.30% vs SP500)

Retirement Nestegg Report February 2020

Retirement Nestegg Report February 2020

Well February was an exciting month. My nestegg hit two new milestones in the same month going north of $1.4M and $1.5M in the same month and then the last week of the month dropping over $200,000 from the high to actually finish down from the prior month.

My individual stocks still outperformed the market by a wide margin, which is actually surprising since they have done so well for so long and I have many high fliers that would expect would fall harder/faster than the market in general. I also added a new account over at M1 Finance that I am testing out so you will see a new taxable account in my report going forward.

I actually missed out on the fun last week as I was on a family vacation and really didn’t get to see the effect of the drop from last week until I filled out this report. The little bit that I saw on the tvs at the airport made me think the sky was falling and I’d be pennyless when I flew back home. The end result is my nestegg has fallen all the way back to what it was the middle of January (6 weeks ago) – which is still $400,000 higher than it was last January. I think life will go on 🙂 Don’t waste any of your time watching the news and worry about things that matter (hint you’ll never hear it in the news)

M1 Taxable – $3,151.51 (+100%)
Taxable Account- $85,717.63(-2.42%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $49,554.65(-5.02%)
My Roth IRA – $353,455.00(-2.26%)
Wife Roth IRA – $220,021.24(-2.08%)
Wife 401k – $4,360.97(-8.26%)
Traditional 401k – $509,976.65(-7.40%)

Roth/Traditional % = 44.17% (tax free)

Total Retirement Nest Egg $1,298,237.65(-4.34%)
Retirement Salary (4%) $51,929

Monthly Contributions $903.32(401k) $3400 (M1)
SP500 Performance -7.92%
My Monthly Investment Performance -4.42% (+3.50% vs SP500)
My Monthly Individual Stocks Performance -2.46% (+5.46% vs SP500)

Interim Retirement Nestegg Report $1.5M

Interim Retirement Nestegg Report $1.5M

Well it happened. Two interim reports in the same month. Just 15 days after my nesetegg passed $1.4M it is now north of $1.5M. It is going to get to a point here shortly where it will be hard for me to keep track of $100k milestones as they will happen so quickly and I may have to start doing $250k reports once we hit $2M.

Once again this report was driven by a large run up in my individual stocks namely Tesla, Shopify, and Netflix.

Taxable Account- $110,750.62
Private Stock $72,000
Traditional Rollover IRA – $58,172.38
My Roth IRA – $430,752.57
Wife Roth IRA – $262,244.73
Wife 401k – $4,971.41
Traditional 401k – $576,470.18

Roth/Traditional % = 45.73% (tax free)

Total Retirement Nest Egg $1,515,361.90
Retirement Salary (4%) $60,614

$100,000 NestEgg Milestones

Date DOW Jones Value MFJ Nestegg Time to Achieve
Oct 2008 10,000 $ 69,300 29 years 2 months
Oct 2009 10,000 (+0%) $100,000 (+44%) 30 years 2 months
Feb 2012 13,000 (+30%) $200,000 (+100%) 2 years 5 months
Jul 2013 15,423 (+19%) $300,000 (+50%) 1 years 5 months
Feb 2014 16,395.88 (+6.3%) $400,000 (+33%) 7 months
April 2015 18,084.48 (+10.30%) $500,000 (+25%) 1 year 2 months
August 2016 18,636.05 (+3.05%) $600,000 (+20%) 1 year 4 months
January 2017 20,068.51 (+7.69%) $700,000 (+17%) 5 months
June 2017 $21,182.53 (+5.56%) $800,000 (+14%) 5 months
January 2018 $25,484.72(+20.31%) $900,000 (+12.5%) 7 months
May 2018 $24,667.78(-3.21%) $1,000,000 (+11.1%) 4 months
April 2019 $26,234.34 (+2.94%) $1,100,000 (+10.0%) 11 months
December 2019 $28,331.20 (+7.99%) $1,200,000 (+9.1%) 8 months
January 2020 $28,885.42(+1.96%) $1,300,000 (+8.3%) 0 months 28 days
February 2020 $28,399.81(-1.68%) $1,400,000 (+7.7%) 0 months 21 days
February 2020 $29,308.80(+3.20%) $1,500,000 (+7.14%) 0 months 15 days
Interim Retirement Nestegg Report $1.4M

Interim Retirement Nestegg Report $1.4M

Well still not in the same month, but just 21 days after my last 100k milestone report our nestegg cracked through the 1.4M milestone. In fact my nestegg grew by over $61,000 since yesterday’s month end report.

The market was actually down over both my last two milestone reports, but my nestegg has now put on over $200,000 in less than 2 months while the market is down about 5% during that period. This is due to my individual stocks having a very good performance driven primarily by Tesla. In fact as I write this report in pre-market trading Tesla is on pace to add another $40,000 to my nestegg alone today.

Obviously in the short term this means nothing and my portfolio can and will fluctuate up and down, but over the long term I feel pretty good. Hope to be writing the $1.5M milestone report in a few weeks.

Taxable Account- $97,983.80
Private Stock $72,000
Traditional Rollover IRA – $53,575.26
My Roth IRA – $383,946.99
Wife Roth IRA – $236,151.33
Wife 401k – $4,788.08
Traditional 401k – $555,758.52

Roth/Traditional % = 44.16% (tax free)

Total Retirement Nest Egg $1,404,203.98
Retirement Salary (4%) $56,168

$100,000 NestEgg Milestones

Date DOW Jones Value MFJ Nestegg Time to Achieve
Oct 2008 10,000 $ 69,300 29 years 2 months
Oct 2009 10,000 (+0%) $100,000 (+44%) 30 years 2 months
Feb 2012 13,000 (+30%) $200,000 (+100%) 2 years 5 months
Jul 2013 15,423 (+19%) $300,000 (+50%) 1 years 5 months
Feb 2014 16,395.88 (+6.3%) $400,000 (+33%) 7 months
April 2015 18,084.48 (+10.30%) $500,000 (+25%) 1 year 2 months
August 2016 18,636.05 (+3.05%) $600,000 (+20%) 1 year 4 months
January 2017 20,068.51 (+7.69%) $700,000 (+17%) 5 months
June 2017 $21,182.53 (+5.56%) $800,000 (+14%) 5 months
January 2018 $25,484.72(+20.31%) $900,000 (+12.5%) 7 months
May 2018 $24,667.78(-3.21%) $1,000,000 (+11.1%) 4 months
April 2019 $26,234.34 (+2.94%) $1,100,000 (+10.0%) 11 months
December 2019 $28,331.20 (+7.99%) $1,200,000 (+9.1%) 8 months
January 2020 $28,885.42(+1.96%) $1,300,000 (+8.3%) 0 months 28 days
February 2020 $28,399.81(-1.68%) $1,400,000 (+7.7%) 0 months 21 days
Retirement Nestegg Report January 2020

Retirement Nestegg Report January 2020

Well a flat and slightly down month for the market to kick of 2020 and my retirement nestegg had its best performance in history. It increased by over $105,000 and my investments crushed the market. Most of this can be explained away by the performance of Tesla stock over the last month, but a number of my other individual stocks have also had very nice performance. This has me starting out 2020 besting the market with over a 17% lead. Now granted as we have seen Tesla has and will continue to be a volatile stock so I won’t put to much weight in a single months performance but overall investments like Tesla over the long term have allowed me to have market beating returns over in my investing history. It’s also cool to have a month where my nestegg increased by a value that was greater than I was able to accumulate the first 30 years of my life.

Taxable Account- $87,844.73(+25.37%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $52,172.96(+18.61%)
My Roth IRA – $361,613.94(+17.66%)
Wife Roth IRA – $224,703.41(+15.10%)
Wife 401k – $4,753.63(-0.07%)
Traditional 401k – $550,737.69(-0.75%)

Roth/Traditional % = 43.31% (tax free)

Total Retirement Nest Egg $1,353,826.36(+8.46%)$
Retirement Salary (4%) $54,153

Monthly Contributions $903.32(401k)
SP500 Performance -0.16%
My Monthly Investment Performance +8.38% (+8.54% vs SP500)
My Monthly Individual Stocks Performance +17.79% (+17.95% vs SP500)

Interim Retirement Nestegg Report $1.3M

Interim Retirement Nestegg Report $1.3M

Well it wasn’t in the same month, but we’ve actually hit our next $100k milestone in less than a month since we hit the last one. On Dec 16th we hit $1.2M for the first time and now just 28 days later we have hit $1.3M.

What’s even more impressive is the market is up about 2% during that time but our nestegg grew over 8% due to some very strong gains by some of our individual stocks such as Tesla, Shop, NFLX, and Amazon.

Obviously this can’t go on forever in the short term but over the long term this type of thing can come to be expected. I mean just last month I predicted that I’d eventually write 2 of these reports in the same month and well here we are and each successive $100k is going to take less and less work to achieve due to the magic of compounding.

I spent over 30 years of my life trying to accumulate the first $100k and now 10 years later I was able to accumulate that much in just 28 days. Pretty amazing and can’t wait to see what other insane milestone is up next.

Taxable Account- $76,452.07
Private Stock $72,000
Traditional Rollover IRA – $48,108.15
My Roth IRA – $330,143.06
Wife Roth IRA – $208,360.42
Wife 401k – $4,810.64
Traditional 401k – $560,668.48

Roth/Traditional % = 41.41% (tax free)

Total Retirement Nest Egg $1,300,542.82
Retirement Salary (4%) $52,021

$100,000 NestEgg Milestones

Date DOW Jones Value MFJ Nestegg Time to Achieve
Oct 2008 10,000 $ 69,300 29 years 2 months
Oct 2009 10,000 (+0%) $100,000 (+44%) 30 years 2 months
Feb 2012 13,000 (+30%) $200,000 (+100%) 2 years 5 months
Jul 2013 15,423 (+19%) $300,000 (+50%) 1 years 5 months
Feb 2014 16,395.88 (+6.3%) $400,000 (+33%) 7 months
April 2015 18,084.48 (+10.30%) $500,000 (+25%) 1 year 2 months
August 2016 18,636.05 (+3.05%) $600,000 (+20%) 1 year 4 months
January 2017 20,068.51 (+7.69%) $700,000 (+17%) 5 months
June 2017 $21,182.53 (+5.56%) $800,000 (+14%) 5 months
January 2018 $25,484.72(+20.31%) $900,000 (+12.5%) 7 months
May 2018 $24,667.78(-3.21%) $1,000,000 (+11.1%) 4 months
April 2019 $26,234.34 (+2.94%) $1,100,000 (+10.0%) 11 months
December 2019 $28,331.20 (+7.99%) $1,200,000 (+9.1%) 8 months
January 2020 $28,885.42(+1.96%) $1,300,000 (+8.3%) 0 months 28 days
Retirement Nestegg Report December 2019

Retirement Nestegg Report December 2019

Well the conclusion to a stellar year for my retirement nestegg. It increased in value by over $317,500 in 2019, which is absolutely mind boggling. Granted it was a great year for the market overall and somewhat of an anomaly, but the fact that I had to do zero work or use any brain power and we got $300,000 richer in a year is sort of bonkers.

The stock market was up over 28% this year and my investments were up even more than the market for the year. My contributions on the other hand were the lowest they’ve been in about 10 years as I’ve decided to let the portfolio do the heavy lifting here (working out ok so far).

If I really want to drop my own jaw I simply only need to go back to the end of the last decade where my December 2009 Financial Report where I was sitting at a grand total of $105,415.89 and was feeling pretty good about finishing a month in 6 figures for the first time. Now 10 years later I increased my nestegg by over 3 times the value of my Dec 2009 report. That’s the magic of compounding.

So what does my Dec 2019 report have in store? Will I increase the value of my portfolio by $3.75M in a year? Who knows and honestly it doesn’t matter as accumilating the most money possible is not the goal of this blog. It’s about accumilating enough money as quickly as possible to give me and my family the freedom to not have to worry about money and for all intents and purposes we are already there so everything from here on out is simply gravy.

Taxable Account- $70,069.58(+13.23%)
Private Stock $72,000 (+0.00%)
Traditional Rollover IRA – $43,987.57(+3.91%)
My Roth IRA – $307,347.80(+8.82%)
Wife Roth IRA – $195,227.71(+7.98%)
Wife 401k – $4,756.71(+2.99%)
Traditional 401k – $554,871.58(+3.15%)

Roth/Traditional % = 40.26% (tax free)

Total Retirement Nest Egg $1,248,260.95(+5.61%)
Retirement Salary (4%) $49,930

Monthly Contributions $1,354.98(401k)
SP500 Performance +2.86%
My Monthly Investment Performance +2.94% (-0.47% vs SP500)
My Monthly Individual Stocks Performance +3.10% (-0.31% vs SP500)

My retirement contributions for 2019 $25,366.43
401k $13,117.48
401k matching $12,248.95
My Roth IRA $0
Wife Roth IRA $0
Taxable Account $0
Wife Retirement Account ??


SP500 Performance for 2019 28.72%
Investment Performance for 2019 +32.46% (+3.74% vs SP500)
Individual Stock Performance for 2019 +37.07% (+8.35% vs SP500)
Total Investment Return 2019 +$292,164.67