Retirement Nestegg Report July 2017

Retirement Nestegg Report July 2017

My retirement nestegg grew very modestly this month and my investments greatly under performed the market as a whole, especially my individual stocks. This will certainly happen as my portfolio has much more volatility than the market and so my downs are usually much worse than the market and my ups have historically been much greater than the market anyway. I feel like I have the right mindset and these swings do not bother me much. Having 6 figures removed from my nestegg would be a normal ebb and flow for me and does not matter in the long term horizon.

Taxable Account- $47,655.94 (-8.02%)
Private Stock $63,100 (+0.00%)
Traditional Rollover IRA – $25,144.40 (-8.21%)
My Roth IRA – $176,500.64 (+0.52%)
Wife Roth IRA – $111,913.47(+0.05%)
Traditional 401k – $361,422.34 (+2.08%)

Roth/Traditional % = 36.67% (tax free)

Total Retirement Nest Egg $785,736.79 (0.24%)
Retirement Salary (4%) $31,429

Monthly Contributions $1,405.44 (401k)
SP500 Performance +1.93%
My Monthly Investment Performance +0.06% (-1.87% vs SP500)
My Monthly Individual Stocks Performance -1.48% (-3.41% vs SP500)

  • disqus_hA3Zv2x6zp

    Awesome Blog! I stumbled upon your $100,000 goal while trying to come up with goals of my own (I am 25 years old) and got hooked. I went back to day 1 and read every post and your entire journey. It is amazing to see the power of compounding interest really come to fruition, congratulations on your success! I would love a blog or even a response to this post with your advice on what you would give to your 26 year old self, which would essentially be me HA, from where you are today. What are some paths you wish you had followed or explored and some decisions you may have handled differently? Obviously in the early years of the blog you were new to investing but now seem to be quite savy, and I think that may be an interesting topic for readers to learn from but also a neat reflection point for you…$34,616.93 has grown to $785,736.79 its an amazing journey that shouldn’t be overlooked.

    Again huge fan of the blog hope you continue the updates!

  • MFJ

    Hi Dan – thanks for the kind words and the comments. I really started this blog as a way for me to learn and keep myself accountable and I sometimes forget that other people might actually be reading what I write or finding value in it.

    I really like your question and want to put some thought into it – meaning it’s time for me to write a blog post on it. I’m actually headed out of town for a family vacation but will maybe put some thought into and get a post up here soon.

  • disqus_hA3Zv2x6zp

    Well I cant speak for everyone but know its been incredibly helpful to at least one. You would get a kick out of some of the excel work I have done with the blog. There is now a “MFJ” tab on on my wife and I’s finance spreadsheet because it is such an easy way to keep a bench mark and really for her to see the end game a bit easier, very helpful. I guess in a way my goal has become try and stay ahead of the guy from MFJ haha.

    But awesome news I look forward to the post! Not that you have needed help before but if you need any help thinking of the questions a younger person might have feel free to reach out.

    Enjoy the trip!

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