January 2015 Net Worth Update (+1.49%)

Feb 03, 2015 @ 09:28 am by EMS

In the first month of 2015, we managed to recoup our previous month’s losses, but we fell short of reaching the $450,000 milestone.  I did close out several of our brokerage accounts and consolidated them into one main account.  I had several accounts with less than $1,000 sitting in them that have been neglected or unused overtime, so I cashed all of those out and moved the balances to a single account just for easier record keeping.  Our credit card debt is down to a more manageable number this month, which should make bill paying in February a tad bit more pleasurable.

Net Worth January 2015

August 2013 Investment Comparison Report (+1.90%)

Sep 15, 2013 @ 06:28 pm by EMS



For the second consecutive month, our portfolio outperformed VTI!  Unfortunately, the market was down for the month, but that’s to be expected given the increase we saw in July.  I did purchase about $2,000 more of VTI over the month in an attempt to increase my diversification.

August 2013 Stock Performance

July 2013 Investment Comparison Report (+2.57%)

Aug 15, 2013 @ 05:45 pm by EMS

Yeah!  After 10 months, we finally beat our benchmark (VTI)!  Thanks largely to Apple’s positive performance, we managed an 8.23% increase over the month.

We took some additional steps to diversify our portfolio this month by increasing our shares of VTI.  We will likely continue to do so until our shares in VTI match or are greater than our shares of Apple.

July 2013 Stock Performance

June 2013 Investment Comparison Report (-2.72%)

Jul 15, 2013 @ 05:41 pm by EMS

Our dismal portfolio performance continued its trend into June, trailing VTI by the most that it has since December, 2012.  We will be likely making an new investment purchase of more VTI shares this month.


June 2013 Stock Performance

May 2013 Investment Comparison Report (-1.24%)

Jun 15, 2013 @ 07:28 pm by EMS

No surprise here.  Our portfolio continued to trail VTI over the month.  This time, we were down -1.24%.  I’m going to continue putting future investments directly into VTI, as it appears that that is wise thing to do at this point.



April 2013 Investment Comparison Report (-0.53%)

May 15, 2013 @ 06:50 pm by EMS

Sigh…  Not much to say here other than I’m getting tired of seeing the red line below the blue line.  I need to seriously rethink our investment strategy going forward.






March 2013 Investment Comparison Report (-1.22%)

Apr 15, 2013 @ 05:04 am by EMS

Our underperformance of our investments when compared to the benchmark of VTI now continues into its sixth month.  We trailed the index by 1.22% this month.  Again, a large part of the problem came about from an overly-heavy position in Apple stock.  All new funds being invested will either go directly into VTI or into existing holdings other than Apple to help balance things out going forward.



February 2013 Investment Comparison Report (-0.61%)

Mar 01, 2013 @ 01:00 pm by EMS

For the fifth straight month, our stock portfolio lagged in comparison with VTI.  The fact that I’m not picking better than this index fund makes me believe that I need to start putting some more of our investments in VTI rather than trying to out guess it.

February 2013 Investment Comparison

Fortunately, the gap this month wasn’t huge as it had been the previous two months.

January 2013 Investment Comparison Report (-2.57%)

Feb 01, 2013 @ 01:35 pm by EMS

Looking back, I realize that I’m 3 months behind on updating our stock performance.  To make a long story short, it hasn’t been good (perhaps I’m hoping that it will just go away if I ignore it).  Because of Apple’s continued decline in stock price, I’ve trailed our index of VTI for 4 straight months.  December 2012 and January 2012 were very bad with trailing figures of 3.14% and 2.57% respectively.

I do feel as though our portfolio is too heavy with Apple stock, but I’m not willing to sell it at its current price.  I will consider diversifying our position if/when Apple reaches a fair level again, but for the time being, we are going to stick with what we have.

January 2013 Stock Performance

October 2012 Investment Comparison Report (-2.85%)

Nov 30, 2012 @ 09:23 am by EMS

As expected our portfolio in October lagged considerably from our benchmark, VTI.  Our shares in Apple really sunk the ship over the month, as it tanked quite a bit.  I still believe long-term in the company though and if I had some cash readily availiable, I’d probably purchase some more of it here in the $500 – $600 range.

October 2012 Stock Performance Bargraph

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