Friday, February 10, 2017

I Am Now Beating Gold By 19.82% Per Year For The Past 10.22 Years

The table below shows the dates and amounts of all deposits to my family's brokerage accounts since I started investing in 2006.  The table below also shows how much each deposit would have grown to had I invested them in a bond that returns 26.58% per year.  You can also manipulate the table below in this spreadsheet.

               Deposits Would Have Grown To:
11/22/06 2000 22287.8 <== Into Coverdell Education Savings Account for Child #1
04/12/07 4000 40696.78 <== Into Roth IRA for Spouse
04/12/07 4000 40696.78 <== Into Roth IRA for Me
06/26/07 2000 19386.51 <== Into Coverdell Education Savings Account for Child #1
01/02/08 4000 34296.7 <== Into Roth IRA for Me
01/02/08 4000 34296.7 <== Into Roth IRA for Spouse
05/28/08 5000 38989.04 <== Into Roth IRA for Me
05/28/08 5000 38989.04 <== Into Roth IRA for Spouse
06/10/08 2000 15465.26 <== Into Coverdell Education Savings Account for Child #1
02/24/11 3000 12249.73 <== Into Roth IRA for Spouse
08/01/11 5000 18436.19 <== Into Roth IRA for Me
09/23/11 2500 8907.99 <== Into Roth IRA for Spouse
10/17/11 500 1754.2 <== Into Roth IRA for Spouse
01/17/12 25056.11 82837.35 <== Rollover from  401k into Traditional IRA for Spouse
01/20/12 -10520 -34712.59 <== Rollover to PMCP from Roth IRA for Spouse
01/20/12 -10530 -34745.59 <== Rollover to PMCP from Roth IRA for Me
02/28/12 2000 6435.25 <== Into Roth IRA for Spouse
11/05/12 -2000 -5472.47 <== Withdrawal from Spouse's Roth IRA
12/21/12 2000 5312.33 <== Into Roth IRA for Spouse
01/09/13 1500 3935.67 <== Into Roth IRA for Spouse
01/24/13 1500 3897.73 <== Into Roth IRA for Spouse
01/25/13 97745.61 253827.02 <== Rollover from 401k into Traditional IRA for Me
02/21/13 1500 3827.9 <== Into Roth IRA for Me
03/04/13 2000 5067.75 <== Into Roth IRA for Me
03/20/13 1500 3761.75 <== Into Roth IRA for Me
03/20/13 3000 7523.5 <== Into Roth IRA for Me
08/30/13 2000 4514.63 <== Into Roth IRA for Me
09/04/13 1000 2250.04 <== Into Roth IRA for Spouse
09/12/13 1500 3357.67 <== Into Roth IRA for Spouse
09/26/13 500 1109.15 <== Into Roth IRA for Me
09/27/13 2000 4433.75 <== Into Roth IRA for Spouse
10/28/13 1000 2172.94 <== Into Roth IRA for Spouse
11/08/13 2000 4315.13 <== Into Coverdell Education Savings Account for Child #2
11/22/13 2000 4276.3 <== Into Coverdell Education Savings Account for Child #3
12/06/13 2000 4237.82 <== Into Coverdell Education Savings Account for Child #1
01/02/14 2750 5726.3 <== Into Roth IRA for Me
03/18/14 -2491.72 -4943.22 <== Into Roth IRA for Spouse
07/07/14 1000 1846.66 <== Into Roth IRA for Spouse
07/18/14 1000 1833.59 <== Into Roth IRA for Spouse
09/10/14 12224.18 21646.08 <== Rollover from  401k into Traditional IRA for Spouse
10/03/14 2000 3489.32 <== Into Roth IRA for Spouse
10/23/14 2750 4736.25 <== Into Roth IRA for Me
10/23/14 1500 2583.41 <== Into Roth IRA for Spouse
10/23/14 2000 3444.55 <== Into Coverdell Education Savings Account for Child #2
10/23/14 2000 3444.55 <== Into Coverdell Education Savings Account for Child #3
10/23/14 2000 3444.55 <== Into Coverdell Education Savings Account for Child #1
01/02/15 5500 9048.07 <== Into Roth IRA for Me
01/02/15 5500 9048.07 <== Into Roth IRA for Spouse
12/05/16 3789.74 3959.83 <== Rollover from 401k into Traditional IRA for Me
02/02/17 -6171.88 -6207.85 <== Into Roth IRA for Spouse
Today's Date: 02/11/17
ROI (annual %): 26.58
Final Balance: 721715.92

Had I invested all the above deposits into a bond returning 26.58% per year, we would have a balance of $721,715.92 today.

The following image summarizes my family's brokerage account balances totaling $721,715.92:













Gold since November 22, 2006 has appreciated 6.76% per year on average.

You can review my July 25, 2016 post to verify the above data through then.  The following seven images show all my deposits since then:










The following images show the current balances in all seven brokerage accounts:



Schwab gives prices that differ from Scottrade and all other sources that I find.  This is the reason why the Schwab totals for my IRAs differ from my summary above.

The remaining five brokerage account balances:




Monday, July 25, 2016

I Am Now Beating Gold By 17.62% Per Year For The Past 9.67 Years

Here are all the deposits that I have made into my family's brokerage accounts since I started investing in 2006:

Deposits Grew To:
11/22/06 2000 18091.57 <== Into Coverdell Education Savings Account for Child #1
04/12/07 4000 33137.01  <== Into Roth IRA for Spouse
04/12/07 4000 33137.01 <== Into Roth IRA for Me
06/26/07 2000 15811.32 <== Into Coverdell Education Savings Account for Child #1
01/02/08 4000 28088.75 <== Into Roth IRA for Me
01/02/08 4000 28088.75 <== Into Roth IRA for Spouse
05/28/08 5000 32034.98 <== Into Roth IRA for Me
05/28/08 5000 32034.98 <== Into Roth IRA for Spouse
06/10/08 2000 12710.51 <== Into Coverdell Education Savings Account for Child #1
02/24/11 3000 10288.75 <== Into Roth IRA for Spouse
08/01/11 5000 15538.67 <== Into Roth IRA for Me
09/23/11 2500 7516.71 <== Into Roth IRA for Spouse
10/17/11 500 1481.01 <== Into Roth IRA for Spouse
01/17/12 25056.11 70077.77 <== Rollover from  401k into Traditional IRA for Spouse
01/20/12 -10520 -29367.69 <== Rollover to PMCP from Roth IRA for Spouse
01/20/12 -10530 -29395.6 <== Rollover to PMCP from Roth IRA for Me
02/28/12 2000 5449.04 <== Into Roth IRA for Spouse
11/05/12 -2000 - 4659.41 <== Withdrawal from Spouse's Roth IRA
12/21/12 2000 4527.63 <== Into Roth IRA for Spouse
01/09/13 1500 3355.72 <== Into Roth IRA for Spouse
01/24/13 1500 3324.47 <== Into Roth IRA for Spouse
01/25/13 97745.61 216500.07 <== Rollover from 401k into Traditional IRA for Me
02/21/13 1500 3266.92 <== Into Roth IRA for Me
03/04/13 2000 4326.11 <== Into Roth IRA for Me
03/20/13 1500 3212.37 <== Into Roth IRA for Me
03/20/13 3000 6424.73 <== Into Roth IRA for Me
08/30/13 2000 3869.12 <== Into Roth IRA for Me
09/04/13 1000 1928.53 <== Into Roth IRA for Spouse
09/12/13 1500 2878.4 <== Into Roth IRA for Spouse
09/26/13 500 951.13 <== Into Roth IRA for Me
09/27/13 2000 3802.13 <== Into Roth IRA for Spouse
10/28/13 1000 1864.66 <== Into Roth IRA for Spouse
11/08/13 2000 3703.83 <== Into Coverdell Education Savings Account for Child #2
11/22/13 2000 3671.63 <== Into Coverdell Education Savings Account for Child #3
12/06/13 2000 3639.71 <== Into Coverdell Education Savings Account for Child #1
01/02/14 2750 4921.02 <== Into Roth IRA for Me
03/18/14 -2491.72 -4255.07 <== Into Roth IRA for Spouse
07/07/14 1000 1593.46 <== Into Roth IRA for Spouse
07/18/14 1000 1582.56 <== Into Roth IRA for Spouse
09/10/14 12224.18 18704.84 <== Rollover from  401k into Traditional IRA for Spouse
10/03/14 2000 3016.71 <== Into Roth IRA for Spouse
10/23/14 2750 4096.56 <== Into Roth IRA for Me
10/23/14 1500 2234.49 <== Into Roth IRA for Spouse
10/23/14 2000 2979.32 <== Into Coverdell Education Savings Account for Child #2
10/23/14 2000 2979.32 <== Into Coverdell Education Savings Account for Child #3
10/23/14 2000 2979.32 <== Into Coverdell Education Savings Account for Child #1
01/02/15 5500 7838.22 <== Into Roth IRA for Me
01/02/15 5500 7838.22 <== Into Roth IRA for Spouse
Today's Date: 07/23/16
ROI (annual %): 25.56
Final Balance: 607820.26


Had I invested all the above deposits into a bond returning 25.56% per year, we would have a balance of $607,820.26 today.

The following image summarizes my family's brokerage account balances totaling $607,820.26:












Gold since November 22, 2006 has appreciated 7.94% per year on average.

You can review my August 23, 2014 post to verify the above data through then.  The following seven images show all my deposits since then:







The following images show the current balances in all seven brokerage accounts:






























Schwab gives a price of 6.86 cents per MNTUF share, but Scottrade and all other sources that I find give 7.80 cents.  This is the reason why the Schwab totals for my IRAs differ from my summary above.

The remaining five brokerage account balances:






Not bad for a former homeless guy: