I Am Now Beating Gold By 10.09% Per Year For The Past 14.34 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 17.43% per year.  You can also manipulate the table below in this spreadsheet.

               Deposits Grew To:

11/22/06 2000 20036.22 <== Into Coverdell Education Savings Account for Child #1
04/12/07 4000 37660.44 <== Into Roth IRA for Spouse
04/12/07 4000 37660.44 <== Into Roth IRA for Me
06/26/07 2000 18218.59 <== Into Coverdell Education Savings Account for Child #1
01/02/08 4000 33513.14 <== Into Roth IRA for Me
01/02/08 4000 33513.14 <== Into Roth IRA for Spouse
05/28/08 5000 39266.07 <== Into Roth IRA for Me
05/28/08 5000 39266.07 <== Into Roth IRA for Spouse
06/10/08 2000 15616.79 <== Into Coverdell Education Savings Account for Child #1
02/24/11 3000 15155.76 <== Into Roth IRA for Spouse
08/01/11 5000 23562.18 <== Into Roth IRA for Me
09/23/11 2500 11509.37 <== Into Roth IRA for Spouse
10/17/11 500 2277.68 <== Into Roth IRA for Spouse
01/17/12 25056.11 109608.66 <== Rollover from  401k into Traditional IRA for Spouse
01/20/12 -10520 -45959.29 <== Rollover to PMCP from Roth IRA for Spouse
01/20/12 -10530 -46002.98 <== Rollover to PMCP from Roth IRA for Me
02/28/12 2000 8588.76 <== Into Roth IRA for Spouse
11/05/12 -2000 -7690.19 <== Withdrawal from Spouse's Roth IRA
12/21/12 2000 7536.01 <== Into Roth IRA for Spouse
01/09/13 1500 5604.92 <== Into Roth IRA for Spouse
01/24/13 1500 5568.03 <== Into Roth IRA for Spouse
01/25/13 97745.61 362674.03 <== Rollover from 401k into Traditional IRA for Me
02/21/13 1500 5499.81 <== Into Roth IRA for Me
03/04/13 2000 7297.65 <== Into Roth IRA for Me
03/20/13 1500 5434.82 <== Into Roth IRA for Me
03/20/13 3000 10869.64 <== Into Roth IRA for Me
08/30/13 2000 6744.61 <== Into Roth IRA for Me
09/04/13 1000 3364.89 <== Into Roth IRA for Spouse
09/12/13 1500 5029.59 <== Into Roth IRA for Spouse
09/26/13 500 1666.23 <== Into Roth IRA for Me
09/27/13 2000 6661.98 <== Into Roth IRA for Spouse
10/28/13 1000 3285.83 <== Into Roth IRA for Spouse
11/08/13 2000 6539.92 <== Into Coverdell Education Savings Account for Child #2
11/22/13 2000 6499.73 <== Into Coverdell Education Savings Account for Child #3
12/06/13 2000 6459.79 <== Into Coverdell Education Savings Account for Child #1
01/02/14 2750 8777.25 <== Into Roth IRA for Me
03/18/14 -2491.72-7694.57 <== Into Roth IRA for Spouse
07/07/14 1000 2940.77 <== Into Roth IRA for Spouse
07/18/14 1000 2926.56 <== Into Roth IRA for Spouse
09/10/14 12224.18 34934.32 <== Rollover from  401k into Traditional IRA for Spouse
10/03/14 2000 5658.02 <== Into Roth IRA for Spouse
10/23/14 2750 7711.58 <== Into Roth IRA for Me
10/23/14 1500 4206.31 <== Into Roth IRA for Spouse
10/23/14 2000 5608.42 <== Into Coverdell Education Savings Account for Child #2
10/23/14 2000 5608.42 <== Into Coverdell Education Savings Account for Child #3
10/23/14 2000 5608.42 <== Into Coverdell Education Savings Account for Child #1
01/02/15 5500 14948.49 <== Into Roth IRA for Me
01/02/15 5500 14948.49 <== Into Roth IRA for Spouse
12/05/16 3789.74 7558.31 <== Rollover from 401k into Traditional IRA for Me
02/02/17 -6171.88 -11993.65 <== Into Roth IRA for Spouse
08/23/17 -11548.89 -20532.88 <== Into Roth IRA for Spouse
03/02/18 -11000.03 -17979.71 <== Into Roth IRA for Spouse
08/23/18 -2033.93 -3079.32 <== Into Roth IRA for Spouse
09/10/19 33852.59 43298.96 <== Rollover from  401k into Traditional IRA for Spouse
Today's Date: 03/22/21
ROI (annual %): 17.43
Final Balance: 905991.93

Had I invested all the above deposits into a bond returning 17.43% per year, we would have a balance of $905,991.93 today.

The following image summarizes my family's brokerage account balances totaling $905,991.93:

Gold since November 22, 2006 has appreciated 7.34% per year on average.

You can review my January 9, 2021 post to verify the above data through then.  The following link leads to images that show all transactions in all seven accounts since January 9, 2021.  The transactions are all stock buys and sales, but no deposits and no withdrawals:

https://drive.google.com/drive/folders/1mZDkr0ae6L2VCSVcW21rLE81eJDjps5G?usp=sharing

The following images 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:

https://drive.google.com/drive/folders/1mZDkr0ae6L2VCSVcW21rLE81eJDjps5G?usp=sharing

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

I Am Now Beating Gold By 5.03% Per Year For The Past 14.13 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 13.13% per year.  You can also manipulate the table below in this spreadsheet.

Deposits     Grew To:
11/22/06 2000     11435.23 <== Into Coverdell ESA for Child #1
04/12/07 4000     21805.77 <== Into Roth IRA for Spouse
04/12/07 4000     21805.77 <== Into Roth IRA for Me
06/26/07 2000     10629.89 <== Into Coverdell ESA for Child #1
01/02/08 4000     19937.05 <== Into Roth IRA for Me
01/02/08 4000     19937.05 <== Into Roth IRA for Spouse
05/28/08 5000     23713         <== Into Roth IRA for Me
05/28/08 5000     23713         <== Into Roth IRA for Spouse
06/10/08 2000     9443.6         <== Into Coverdell ESA for Child #1
02/24/11 3000     10139.38 <== Into Roth IRA for Spouse
08/01/11 5000     16019.94 <== Into Roth IRA for Me
09/23/11 2500     7867.72 <== Into Roth IRA for Spouse
10/17/11 500             1560.83 <== Into Roth IRA for Spouse
01/17/12 25056.11     75821.05 <== Rollover from  401k into Traditional IRA for Spouse
01/20/12 -10520     -31801.78 <== Rollover to PMCP from Roth IRA for Spouse
01/20/12 -10530     -31832.01 <== Rollover to PMCP from Roth IRA for Me
02/28/12 2000     5966.77 <== Into Roth IRA for Spouse
11/05/12 -2000     -5481.31 <== Withdrawal from Spouse's Roth IRA
12/21/12 2000     5396.72 <== Into Roth IRA for Spouse
01/09/13 1500     4021.62 <== Into Roth IRA for Spouse
01/24/13 1500     4001.28 <== Into Roth IRA for Spouse
01/25/13 97745.61     260650.22 <== Rollover from 401k into Traditional IRA for Me
02/21/13 1500     3963.58 <== Into Roth IRA for Me
03/04/13 2000     5265.16 <== Into Roth IRA for Me
03/20/13 1500     3927.56 <== Into Roth IRA for Me
03/20/13 3000     7855.13 <== Into Roth IRA for Me
08/30/13 2000     4955.96 <== Into Roth IRA for Me
09/04/13 1000     2473.8         <== Into Roth IRA for Spouse
09/12/13 1500     3700.67 <== Into Roth IRA for Spouse
09/26/13 500             1227.73 <== Into Roth IRA for Me
09/27/13 2000     4909.27 <== Into Roth IRA for Spouse
10/28/13 1000     2429.04 <== Into Roth IRA for Spouse
11/08/13 2000     4840.05 <== Into Coverdell ESA for Child #2
11/22/13 2000     4817.2         <== Into Coverdell ESA for Child #3
12/06/13 2000     4794.45 <== Into Coverdell ESA for Child #1
01/02/14 2750     6532.46 <== Into Roth IRA for Me
03/18/14 -2491.72     -5770.73 <== Into Roth IRA for Spouse
07/07/14 1000     2230.66 <== Into Roth IRA for Spouse
07/18/14 1000     2222.38 <== Into Roth IRA for Spouse
09/10/14 12224.18     26675.28 <== Rollover from  401k into Traditional IRA for Spouse
10/03/14 2000     4330.54 <== Into Roth IRA for Spouse
10/23/14 2750     5914.36 <== Into Roth IRA for Me
10/23/14 1500     3226.02 <== Into Roth IRA for Spouse
10/23/14 2000     4301.36 <== Into Coverdell ESA for Child #2
10/23/14 2000     4301.36 <== Into Coverdell ESA for Child #3
10/23/14 2000     4301.36 <== Into Coverdell ESA for Child #1
01/02/15 5500     11548.17 <== Into Roth IRA for Me
01/02/15 5500     11548.17 <== Into Roth IRA for Spouse
12/05/16 3789.74     6273.88 <== Rollover from 401k into Traditional IRA for Me
02/02/17 -6171.88     -10015.7 <== Into Roth IRA for Spouse
08/23/17 -11548.89    -17504.27 <== Into Roth IRA for Spouse
03/02/18 -11000.03    -15629.78 <== Into Roth IRA for Spouse
08/23/18 -2033.93     -2724.87 <== Into Roth IRA for Spouse
09/10/19 33852.59     39844.2 <== Rollover from  401k into Traditional IRA for Spouse
Today's Date:         01/04/21
ROI (annual %): 13.13
Final Balance: $621,515.20

Had I invested all the above deposits into a bond returning 13.13% per year, we would have a balance of $621,515.20 today.

The following image summarizes my family's brokerage account balances totaling $621,515.20:

Gold since November 22, 2006 has appreciated 8.10% per year on average.

You can review my January 1, 2020 post to verify the above data through then.  The following link leads to images that show all transactions in all seven accounts in 2020.  The transactions are all stock buys and sales, but no deposits and no withdrawals:

https://drive.google.com/drive/folders/1DwgXKvcyltaBgJ_iQD__3O7FgXNzxAuC?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 differet 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.