April 2010 Investment Comparison Report

May 17, 2010 @ 07:58 am by EMS

Once again, we trailed our index investment comparison tool of VTI by more than 1%.  In April, we gained 1.03% over the month, while VTI gained 2.15%, meaning we trailed the index by 1.12%.  This number is nearly identical to our March performance of trailing VTI by 1.16%.

In June, I suspect that we’ll begin contributing to our Roth IRA again, which means that we need to take a good look at our investment performance.  I believe that we’ll start out by investing in several shares of Berkshire Hathaway, which is fund that I’ve been very interested in joining for years, but haven’t been able to until their split.  Over the past 5 months, Berkshire Hathaway has significantly outperformed VTI, and I’m hoping that trend continues.  Following the old creed of “If you can’t beat them, join them”, I may also put some money in VTI directly.

April 2010 Net Worth Report (+$1,401)

May 03, 2010 @ 08:47 am by EMS

We eeked out an unexpected gain this month thanks to some back pay from January and February that was paid from my wife’s employer.  As has been mentioned here, we have been in the process of saving up for a home entertainment room upgrade consisting of two pieces of furniture, a HDTV, and a new computer.  The trigger was pulled last weekend and we purchased all of the items.  We went over budget by about $300, mainly because I under budgeted the cost of the HDTV.  No excuses to make, I just found a size that I liked and it was a bit more than anticipated.

Now, we are planning on sitting in a “cruise control” mode over the next 6 months where we’ll be saving 15% of my salary in our Roth IRAs and placing $150 monthly for each child in their college funds.  Any money saved above that will be used to knock items off of our check list of home improvements.  We’ve prioritized and budgeted the list of about eight items and they range from pretty small and inexpensive jobs to some pretty sizable.  Additionally, we’re going to find a way to pay at least $1,000 towards our mortgage before the year lets out.  In the fall, we’ll look back and analyze how we are doing and make any needed adjustments at that time.

I expect May 2010 to be a pretty normal month, I don’t think we’ll have any expenditures or income that is out of the ordinary.



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