Friday, February 4, 2022

I Am Now Beating Gold By 9.38% Per Year For The Past 15.21 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 16.54% per year.  You can also manipulate the table below in this spreadsheet.

                Deposits     Grew To:

06/11/22 2000             20541.07 <== Into CESA for Child #1
07/04/12 4000             38722.82 <== Into RIRA for Spouse
07/04/12 4000             38722.82 <== Into RIRA for Me
07/06/26 2000             18761.78 <== Into CESA for Child #1
08/01/02 4000             34649.08 <== Into RIRA for Me
08/01/02 4000             34649.08 <== Into RIRA for Spouse
08/05/28 5000             40721.40 <== Into RIRA for Me
08/05/28 5000             40721.40 <== Into RIRA for Spouse
08/06/10 2000             16199.98 <== Into CESA for Child #1
11/02/24 3000             16048.67 <== Into RIRA for Spouse
11/08/01 5000             25032.54 <== Into RIRA for Me
11/09/23 2500             12241.08 <== Into RIRA for Spouse
11/10/17 500                 2423.69 <== Into RIRA for Spouse
12/01/17 25056.11    116858.87 <== Rollover from 401k into TIRA for Spouse
12/01/20 -10520        -49002.39 <== Rollover to PMCP from RIRA for Spouse
12/01/20 -10530        -49048.97 <== Rollover to PMCP from RIRA for Me
12/02/28 2000               9164.88 <== Into RIRA for Spouse
12/11/05 -2000            -8249.01 <== Withdrawal from Spouse's RIRA
12/12/21 2000              8091.37 <== Into RIRA for Spouse
13/01/09 1500              6020.36 <== Into RIRA for Spouse
13/01/24 1500              5982.60 <== Into RIRA for Spouse
13/01/25 97745.61   389684.85 <== Rollover from 401k into TIRA for Me
13/02/21 1500              5912.74 <== Into RIRA for Me
13/03/04 2000              7847.36 <== Into RIRA for Me
13/03/20 1500              5846.15 <== Into RIRA for Me
13/03/20 3000             11692.31 <== Into RIRA for Me
13/08/30 2000               7279.73 <== Into RIRA for Me
13/09/04 1000               3632.24 <== Into RIRA for Spouse
13/09/12 1500               5430.11 <== Into RIRA for Spouse
13/09/26 500                 1799.44 <== Into RIRA for Me
13/09/27 2000               7194.73 <== Into RIRA for Spouse
13/10/28 1000               3550.89 <== Into RIRA for Spouse
13/11/08 2000               7069.09 <== Into CESA for Child #2
13/11/22 2000               7027.70 <== Into CESA for Child #3
13/12/06 2000               6986.55 <== Into CESA for Child #1
14/01/02 2750               9498.32 <== Into RIRA for Me
14/03/18 -2491.72       -8339.70 <== Into RIRA for Spouse
14/07/07 1000               3194.70 <== Into RIRA for Spouse
14/07/18 1000               3179.99 <== Into RIRA for Spouse
14/09/10 12224.18      38002.21 <== Rollover from 401k into TIRA for Spouse
14/10/03 2000               6157.85 <== Into RIRA for Spouse
14/10/23 2750               8396.31 <== Into RIRA for Me
14/10/23 1500               4579.81 <== Into RIRA for Spouse
14/10/23 2000               6106.41 <== Into CESA for Child #2
14/10/23 2000               6106.41 <== Into CESA for Child #3
14/10/23 2000               6106.41 <== Into CESA for Child #1
15/01/02 5500             16299.88 <== Into RIRA for Me
15/01/02 5500             16299.88 <== Into RIRA for Spouse
16/12/05 3789.74          8363.06 <== Rollover from 401k into TIRA for Me
17/02/02 -6171.88     -13286.95 <== Into RIRA for Spouse
17/08/23 -11548.89   -22842.81 <== Into RIRA for Spouse
18/03/02 -11000.03   -20082.08 <== Into RIRA for Spouse
18/08/23 -2033.93       -3451.86 <== Into RIRA for Spouse
19/09/10 33852.59      48925.77 <== Rollover from 401k into TIRA for Spouse
22/01/26 6000               6022.69 <== Into RIRA for Spouse
22/01/31 14000           14023.51 <== Into RIRA for Me
22/02/04 39438.03      39438.03 <== Rollover from 401k into TIRA for Spouse
        Final Balance: 1022904.82

Had I invested all the above deposits into a bond returning 16.54% per year, we would have a balance of $1,022,904.82 today.

The following image summarizes my family's brokerage account balances totaling $1,022,908.31:



Gold since November 22, 2006 has appreciated 7.16% per year on average.

You can review my January 2, 2022 post to verify the above data through then.  The following link leads to images that show all transactions in all seven accounts since January 2, 2022.  The transactions show all stock buys and sales, $6,000 into the RIRA for Spouse, $14,000 into the RIRA for me, and $39438.03 into the TIRA for Spouse:


The following images of all transaction in all seven accounts since January 2, 2022 are numerous, 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: