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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%
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)

Retirement Nestegg Report September 2018

Retirement Nestegg Report September 2018

Well not a great month for my nestegg as it fell over 2%. Most of this was driven by the large drop in Tesla stock on the last day of the month.

In other news news I approached my employer about not working in the summers this month and will be waiting to hear their response. To be honest I’m not optimistic they will agree to my terms but I want to get this rolling well ahead of time as I plan on not working next summer regardless of what my employer responds with and may need to come up with a plan B.

Taxable Account- $52,882.44 (-4.15%)
Private Stock $66,900 (+0.00%)
Traditional Rollover IRA – $33,556.22 (-2.87%)
My Roth IRA – $253,172.18 (-5.74%)
Wife Roth IRA – $167,284.24 (-2.86%)
Wife 401k – $4,200.45 (+0.54%)
Traditional 401k – $475,084.28 (+0.19%)

Roth/Traditional % = 41.69% (tax free)

Total Retirement Nest Egg $1,053,079.81(-2.11%)
Retirement Salary (4%) $42,123

Monthly Contributions $1463.08 (401k)
SP500 Performance +0.43%
My Monthly Investment Performance -2.25% (-2.68 % vs SP500)
My Monthly Individual Stocks Performance -4.46% (-4.89% vs SP500)

Retirement Nestegg Report August 2018

Retirement Nestegg Report August 2018

Another all time new high for my retirement nestegg as it increased in value $60k this month and my investments bounced back to significantly outperform the markets already strong returns. I also had a birthday this month so this will be my last 12 months in my 30s and which means I need to get to work putting plans in place before I’m officially super old and lay the ground work for a very enjoyable 40s and beyond.

Taxable Account- $55,170.30 (+4.01%)
Private Stock $66,900 (+0.00%)
Traditional Rollover IRA – $34,548.86 (+16.32%)
My Roth IRA – $268,596.75 (+8.79%)
Wife Roth IRA – $172,215.78 (+9.95%)
Wife 401k – $4,177.79 (+2.67%)
Traditional 401k – $474,168.54 (+3.36%)

Roth/Traditional % = 41.69% (tax free)

Total Retirement Nest Egg $1,075,778.02(+5.89%)
Retirement Salary (4%) $43,031

Monthly Contributions $1463.08 (401k)
SP500 Performance +3.03%
My Monthly Investment Performance +5.74% (+2.71 % vs SP500)
My Monthly Individual Stocks Performance +9.10% (+6.07% vs SP500)