March 2010 Investment Comparison Report

Apr 19, 2010 @ 10:02 am by EMS

As I mentioned in February, I am going to begin tracking my investment portfolio and comparing it to a benchmark index stock so that I can determine how my investments are performing.  For now, I’m only going to track our holdings in our Roth IRAs.  The stock that I’m going to use as my benchmark is the Vanguard Total Stock Market ETF (VTI), as I feel that this gives a good snapshot of the entire stock market.

Before going any further, I have to thank the 2Million Personal Finance Blog for giving me the idea and methodology.

Our positions in these accounts was $38,340 on March 1st and by March 31st, they had grown to $39,760 which is a 4.82% increase over the month (unfortunately I forgot to take a screen shot and save it on the 31st, so I’ll start doing that with next month’s report).  VTI gained 5.98% over the same time period, which means that I underperformed the market by 1.16%.

My plan is to watch these numbers over the next three months and then begin to make adjustments to my positions if the under performance trend continues.

March 2010 Net Worth Report (+$7,915)

Apr 06, 2010 @ 07:34 am by EMS

Despite some concern at the beginning of the month, March actually panned out quite nicely.  March’s stock market gains translated into over $7,800 of net worth increase for us and even though we had to write down $600 in vehicle depreciation and more than tripled our credit card debt, we are able to report almost $8,000 gained.

Other items of note:

  • Our yearly whole life insurance statements arrived and those balances increased a total of $800 over the previous year (this balance is added in the “Cash & Savings” category in the table below).
  • I opened our third $5,000 CD on March 1st.  In June, I’ll be opening up our final one in our quarterly CD ladder.
  • The increase of credit card debt is due to a new clothes dryer (old one broke) and part of our home improvement project.  This debt is non-revolving and will be paid off before any interest is charged.

Expenses for April will likely be high, as our local income taxes will be due and we will be prepaying our auto insurance bill for six months.

Our home improvement project involves purchasing furniture & equipment for a home entertainment room.  We expect the project to run about $4,320 and we’ve already saved/spent $1,200 of that.  The remaining portion will be saved for over the next few months before we continue any work on it.

March 2010 Net Worth Breakdown



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