The Monthly Financial Update gives our readers an inside look at the allocation and performance of our personal portfolio. At the beginning of each month, we share a snapshot of our investments and highlight their performance over the previous month. In addition, we compute our progress towards achieving our retirement number.
Great Numbers This Month
I must say, we had a truly stellar month. Our portfolio bounced back from the mediocre gains we saw last month and outperformed our expectations. The market has almost returned to the all-time highs we saw earlier this year and our portfolio certainly reflects that fact. With all this extra cash, maybe we can afford to go grab some celebratory pancakes. 🙂
4.41% month over month growth
37.9% of retirement number saved
Check out our performance in the table below.
Accounts Portfolio Allocation Change In Value (July-August)
Total = 100% Liquid Funds 1.37% -3.35%
High-Yield Savings 7.19% 1.80%
REITs 1.06% 1.77%
401(k)s 51.67% 5.11%
IRAs 3.61% 3.59%
HSA 0.43% 19.34%
Cryptocurrencies 0.03% 6.73%
P2P Lending 0.27% 0.66%
Taxable Stock Investments 34.26% 4.60%
Debt 0.13% 421.78%
Portfolio Allocation = Current asset distribution of our portfolio
Investment Performance = Change in account value due to asset appreciation/depreciation, deposits, and withdrawals
Tools To Get You Started
Get a head start on your journey toward achieving financial independence by analyzing and tracking your income, expenses, investment performance, and overall net worth with the free online wealth management tool Personal Capital.
We use Personal Capital regularly to analyze our investment fees, track our investments, and project our net worth. We also periodically review our progress toward retirement with their retirement planning calculator.
If you’d rather do things on your own, become a subscriber today and you’ll receive our Free Financial Planning Dashboard. This tool allows you to enter your income and expenses to create a detailed budget. You can use it to track your spending habits over time or just to get an idea of where your money is going each month. Take a look at the automatically generated charts and you may discover you have a little more cash to invest than you thought.
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