Saturday, January 9, 2021

I Am Now Beating Gold By 7.40% Per Year For The Past 14.15 Years

The table below shows the dates and amounts of all deposits to my family's seven 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 15.29% per year.  You can also manipulate the table below in this spreadsheet.

                Deposits      Grew To:
11/22/06     2000          14971.48 <== Into Coverdell Education Savings Account for Child #1
04/12/07     4000          28341.6 <== Into Roth IRA for Spouse
04/12/07     4000          28341.6 <== Into Roth IRA for Me
06/26/07     2000          13762.5 <== Into Coverdell Education Savings Account for Child #1
01/02/08     4000         25560.04 <== Into Roth IRA for Me

01/02/08     4000         25560.04 <== Into Roth IRA for Spouse

05/28/08     5000         30170.69 <== Into Roth IRA for Me
05/28/08     5000         30170.69 <== Into Roth IRA for Spouse
06/10/08     2000         12007.27 <== Into Coverdell Education Savings Account for Child #1
02/24/11     3000         12249.09 <== Into Roth IRA for Spouse
08/01/11     5000         19195.7 <== Into Roth IRA for Me
09/23/11     2500         9401.59 <== Into Roth IRA for Spouse
10/17/11     500           1862.81 <== Into Roth IRA for Spouse
01/17/12     25056.11  90061.04 <== Rollover from 401k into Traditional IRA for Spouse
01/20/12     -10520     -37768.63 <== Rollover to PMCP from Roth IRA for Spouse
01/20/12     -10530     -37804.53 <== Rollover to PMCP from Roth IRA for Me
02/28/12     2000         7072.01 <== Into Roth IRA for Spouse
11/05/12     -2000         -6412.84 <== Withdrawal from Spouse's Roth IRA
12/21/12     2000         6298.87 <== Into Roth IRA for Spouse
01/09/13     1500         4689.29 <== Into Roth IRA for Spouse
01/24/13     1500         4661.95 <== Into Roth IRA for Spouse
01/25/13     97745.61     303671.89 <== Rollover from 401k into Traditional IRA for Me
02/21/13     1500         4611.35 <== Into Roth IRA for Me
03/04/13     2000         6122.15 <== Into Roth IRA for Me
03/20/13     1500         4563.07 <== Into Roth IRA for Me
03/20/13     3000         9126.13 <== Into Roth IRA for Me
08/30/13     2000         5709.53 <== Into Roth IRA for Me
09/04/13     1000         2849.21 <== Into Roth IRA for Spouse
09/12/13     1500         4260.5 <== Into Roth IRA for Spouse
09/26/13     500         1412.44 <== Into Roth IRA for Me
09/27/13     2000         5647.55 <== Into Roth IRA for Spouse
10/28/13     1000         2789.86 <== Into Roth IRA for Spouse
11/08/13     2000         5555.84 <== Into Coverdell Education Savings Account for Child #2
11/22/13     2000         5525.6 <== Into Coverdell Education Savings Account for Child #3
12/06/13     2000         5495.53 <== Into Coverdell Education Savings Account for Child #1
01/02/14     2750         7477.24 <== Into Roth IRA for Me
03/18/14     -2491.72 -6579.77 <== Into Roth IRA for Spouse
07/07/14     1000         2528.83 <== Into Roth IRA for Spouse
07/18/14     1000         2518.01 <== Into Roth IRA for Spouse
09/10/14     12224.18 30139.47 <== Rollover from 401k into Traditional IRA for Spouse
10/03/14     2000         4887.11 <== Into Roth IRA for Spouse
10/23/14     2750         6667.59 <== Into Roth IRA for Me
10/23/14     1500         3636.87 <== Into Roth IRA for Spouse
10/23/14     2000         4849.16 <== Into Coverdell Education Savings Account for Child #2
10/23/14     2000         4849.16 <== Into Coverdell Education Savings Account for Child #3
10/23/14     2000         4849.16 <== Into Coverdell Education Savings Account for Child #1
01/02/15     5500         12971.17 <== Into Roth IRA for Me
01/02/15     5500         12971.17 <== Into Roth IRA for Spouse
12/05/16     3789.74     6795.35 <== Rollover from 401k into Traditional IRA for Me
02/02/17     -6171.88     -10815.13 <== Into Roth IRA for Spouse
08/23/17     -11548.89     -18704.97 <== Into Roth IRA for Spouse
03/02/18     -11000.03     -16537.72 <== Into Roth IRA for Spouse
08/23/18     -2033.93     -2857.33 <== Into Roth IRA for Spouse
09/10/19     33852.59     40961.58 <== Rollover from 401k into Traditional IRA for Spouse
Today's Date: 01/11/21
ROI (annual %): 15.29
Final Balance:                 740339.88

Had I invested all the above deposits into a bond returning 15.29% per year, we would have a balance of $740,339.88 today.

The following image summarizes my family's brokerage account balances totaling $740,339.88:


Gold since November 22, 2006 has appreciated 7.89% per year on average.

You can review my January 1, 2021 post to verify the above data through then.  The following link leads to images that show all transactions in all seven accounts in this past first week of 2021.  The transactions are all stock buys and sales, but no deposits and no withdrawals:

https://drive.google.com/drive/folders/16S1CG7CQgcRnP66MltU7by8PrzYZaRRs?usp=sharing

The following images are numerous and have quality likely diminished during the upload to this free blog, so you can likely get a better view by clicking the above link.









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




The share prices that Schwab and TD Ameritrade display do not always match.  So the account values in my spreadsheet are slightly different from the account values that Schwab and TD Ameritrade display.

But the cash balances and share counts in my spreadsheet exactly match the cash balances and share counts that Schwab and TD Ameritrade display.

You can access the folder with all the above images and spreadsheet through this link.

https://drive.google.com/drive/folders/16S1CG7CQgcRnP66MltU7by8PrzYZaRRs?usp=sharing



No comments:

Post a Comment