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.
This month was MUCH better than last month. That's not saying much since last month we experienced our worse performance to date! Overall, we were able to make some significant gains in November, some of it due to market gains and some of it due to an unexpected severance payout at work (Ms. GGD moved to a new company). However, just like we don't let the lows keep us down, we also don't let the highs get us too high. We are happy with this month's performance, but we've still got a lot of work to do to reach our goal.
4.46% month over month growth
49.10% of retirement number saved
Check out our performance in the table below.
Accounts Portfolio Allocation Change In Value (November-December)
Total = 100% Liquid Funds 0.97% 1.13%
High-Yield Savings 9.38% 22.59%
REITs 0.85% -3.57%
401(k)s 50.30% 2.96%
IRAs 3.44% 0.97%
HSA 0.64% 15.27%
Cryptocurrencies 0.01% -35.21%
P2P Lending 0.26% 0.42%
Taxable Stock Investments 34.05% 2.60%
Debt 0.09% -58.73%
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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