Retirement Nestegg Report – September 2014

Retirement Nestegg Report – September 2014

Well this month my nestegg shrunk and my investments under performed the SP500 index. I have a few more contributions to make to max out my wife’s Roth IRA and then I am going to start working on increasing my taxable account. I have not maxed out my 401k in a number of years and just put the bare minimum in to get my employers matching money.

While my individual stocks that I invest in my IRAs and taxable accounts are much more volatile it has been impressive how much they have outperformed my 401k which is primarily invested in index funds. On top of having more control I do at some point want to access my retirement nestegg to say retire and that will hopefully be long before age 59.5 so growing up a sizable taxable account will give them ability to make that jump when the time comes.

Anyway here is the report.

Taxable Account – $6,196.92(+4.08%)
Traditional Rollover IRA – $32,194.30 (-5.42%)
My Roth IRA – $116,482.53 (-2.76%)
Wife Roth IRA – $64,717.58 (-3.72%)
Traditional 401k – $198,055.40 (-2.19%)

Roth/Traditional % = 43.39% (tax free)

Total Retirement Nest Egg $417,646.73 (-2.76%)

Monthly Contributions $758.84 (401k) $1000 Wife Roth IRA
SPY Performance -1.55%
My Monthly Investment Performance -3.17% (-1.62% vs SP500)
My Monthly Individual Stocks Performance -3.70% (-2.15% vs SP500)