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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)

Retirement Nestegg Report December 2018

Retirement Nestegg Report December 2018

Well a sort of rollercoaster month to finish off a rollercoaster year for my nestegg. At one point I was down well over $100,000 from last months report and finished the month down $85,000. Similarly this year I at one point was up over $200,000 YTD but finished the year up with a $40,000 gain for the year after subtracting out my contributions.

Ultimately this year has been a good baseline for me to realize that I’ve passed a certain point where the numbers really don’t mean much anymore. I lost $100k roughly this month and it really didn’t phase me. Likewise being up $100k in a month really doesn’t elicit much more than a that’s pretty cool feeling. Ultimately it doesn’t drastically affect my mood or financial situation that much.

One item that made the down year much more pleasant was that my individual stocks absolutely crushed the market by over 21% and were up a significant amount and it was enough to have my nestegg returns in positive territory despite the fact that the SP500 was down 6% this year.

I’m still contributing to my 401k, but once again this year did not contribute any money to my Roth IRAs or taxable accounts. Ultimately my retirement accounts are taken care of and the focus now has been more so on finding a better balance between family time and work time as money ironically isn’t as important to me as it used to be.

I am currently proposing a 20% paycut for myself in order to get more time off at work. If that doesn’t work I may look at other career options. Ultimately the nestegg has given me the freedom and flexibility to know that my financial future is secure and I really only need to make enough money right now to cover our day to day expenses while my nestegg continues to grow to a point where working really is 100% optional.

Right now I don’t feel like I’m quite there so I just need to find a work situation that allows me to make only as much money as I need which if I completely shut down retirement contributions and rely on my wife’s teaching income may not need to be that much.

Taxable Account- $54,497.90 (-8.27%)
Private Stock $66,900 (+0.00%)
Traditional Rollover IRA – $30,846.60 (-9.68%)
My Roth IRA – $224,351.91 (-9.17%)
Wife Roth IRA – $140,162.83 (-8.97%)
Wife 401k – $3,496.84 (-12.37%)$410,473.77
Traditional 401k – $450,300.67 (-8.85%)

Roth/Traditional % = 39.16% (tax free)

Total Retirement Nest Egg $930,729.85(-8.37%)
Retirement Salary (4%) $37,229

Monthly Contributions $1,860.32 (401k)
SP500 Performance -9.18%
My Monthly Investment Performance -8.55% (+0.63% vs SP500)
My Monthly Individual Stocks Performance -9.03% (+0.15% vs SP500)

My retirement contributions for 2018 31,948.01
401k $18,500.00
401k matching $12,814.01
My Roth IRA $0
Wife Roth IRA $0
Taxable Account $0
Wife Retirement Account ??


SP500 Performance for 2018 -6.24%
Investment Performance for 2018 +4.56% (+10.80% vs SP500)
Individual Stock Performance for 2018 +15.60% (+21.84% vs SP500)
Total Investment Return 2018 +$41,237.23

Retirement Nestegg Report November 2018

Retirement Nestegg Report November 2018

Nothing too exciting this month other than getting the other comma back.

Taxable Account- $59,408.30 (+4.79%)
Private Stock $66,900 (+0.00%)
Traditional Rollover IRA – $34,152.12 (+8.72%)
My Roth IRA – $247,004.26 (+2.36%)
Wife Roth IRA – $153,971.98 (-0.61%)
Wife 401k – $3,990.60 (+2.01%)
Traditional 401k – $450,300.67 (+2.81%)

Roth/Traditional % = 39.48% (tax free)

Total Retirement Nest Egg $1,015,727.93(+2.28%)
Retirement Salary (4%) $40,629

Monthly Contributions $2,097.08 (401k)
SP500 Performance +1.79%
My Monthly Investment Performance +2.06% (+0.27% vs SP500)
My Monthly Individual Stocks Performance +2.11% (+0.32% vs SP500)

Retirement Nestegg Report October 2018

Retirement Nestegg Report October 2018

Well my nestegg fell about $60,000 this month, but my investments outperformed the market. While it was a pretty big drop for the SP500 of almost 7% and my nestegg fell over 5.5% this is really nothing but a normal fluctuation. I believe at one point this month I was down over $100,000 and it feels pretty good to be able to lose $100k in a single month on paper and not really bat an eye. My goal some day is to lose $1 million dollars in portfolio value.

Taxable Account- $56,692.05 (+7.20%)
Private Stock $66,900 (+0.00%)
Traditional Rollover IRA – $31,413.10 (-6.39%)
My Roth IRA – $241,314.77 (-4.68%)
Wife Roth IRA – $154,920.94 (-7.39%)
Wife 401k – $3,912.04 (-6.87%)
Traditional 401k – $437,978.42 (-7.81%)

Roth/Traditional % = 39.90% (tax free)

Total Retirement Nest Egg $993,131.32(-5.69%)
Retirement Salary (4%) $39,725

Monthly Contributions $1463.08 (401k)
SP500 Performance -6.94%
My Monthly Investment Performance -5.83% (+1.11% vs SP500)
My Monthly Individual Stocks Performance -4.45% (+2.49% vs SP500)