I Am Now Beating Gold By 5.4% Per Year For The Past 19.12 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 15.97% per year.  You can also manipulate the table below in this spreadsheet.

                Deposits          Grew To:

11/22/06 2000 34013.6801 <== Into CESA for Child #1

04/12/07 4000 64242.2516 <== Into RIRA for Spouse

04/12/07 4000 64242.2516 <== Into RIRA for Me

06/26/07 2000 31157.73149 <== Into CESA for Child #1

01/02/08 4000 57688.95543 <== Into RIRA for Me

01/02/08 4000 57688.95543 <== Into RIRA for Spouse

05/28/08 5000 67933.16199 <== Into RIRA for Me

05/28/08 5000 67933.16199 <== Into RIRA for Spouse

06/10/08 2000 27030.21499 <== Into CESA for Child #1

02/24/11 3000 27136.13822 <== Into RIRA for Spouse

08/01/11 5000 42416.64139 <== Into RIRA for Me

09/23/11 2500 20756.81268 <== Into RIRA for Spouse

10/17/11 500         4111.106096 <== Into RIRA for Spouse

01/17/12 25056.11         198463.0902 <== Rollover from  401k into TIRA for Spouse

01/20/12 -10520 -83224.81625 <== Rollover to PMCP from RIRA for Spouse

01/20/12 -10530 -83303.92729 <== Rollover to PMCP from RIRA for Me

02/28/12 2000 15573.64025 <== Into RIRA for Spouse

11/05/12 -2000 -14064.70776 <== Withdrawal from Spouse's RIRA

12/21/12 2000 13804.46003 <== Into RIRA for Spouse

01/09/13 1500 10273.78261 <== Into RIRA for Spouse

01/24/13 1500 10211.4023 <== Into RIRA for Spouse

01/25/13 97745.61         665143.048 <== Rollover from 401k into TIRA for Me

02/21/13 1500 10095.97066 <== Into RIRA for Me

03/04/13 2000 13401.30713 <== Into RIRA for Me

03/20/13 1500 9985.897545 <== Into RIRA for Me

03/20/13 3000 19971.79509 <== Into RIRA for Me

08/30/13 2000 12461.88289 <== Into RIRA for Me

09/04/13 1000 6218.304835 <== Into RIRA for Spouse

09/12/13 1500 9297.209309 <== Into RIRA for Spouse

09/26/13 500         3081.503749 <== Into RIRA for Me

09/27/13 2000 12321.0114 <== Into RIRA for Spouse

10/28/13 1000 6083.451642 <== Into RIRA for Spouse

11/08/13 2000 12112.68435 <== Into CESA for Child #2

11/22/13 2000 12044.02772 <== Into CESA for Child #3

12/06/13 2000 11975.76026 <== Into CESA for Child #1

01/02/14 2750 16287.13955 <== Into RIRA for Me

03/18/14 -2491.72         -14314.83788 <== Into RIRA for Spouse

07/07/14 1000 5491.79481 <== Into RIRA for Spouse

07/18/14 1000 5467.32192 <== Into RIRA for Spouse

09/10/14 12224.18         65384.14279 <== Rollover from  401k into TIRA for Spouse

10/03/14 2000 10598.07648 <== Into RIRA for Spouse

10/23/14 2750 14454.50088 <== Into RIRA for Me

10/23/14 1500 7884.273208 <== Into RIRA for Spouse

10/23/14 2000 10512.36428 <== Into CESA for Child #2

10/23/14 2000 10512.36428 <== Into CESA for Child #3

10/23/14 2000 10512.36428 <== Into CESA for Child #1

01/02/15 5500 28087.52663 <== Into RIRA for Me

01/02/15 5500 28087.52663 <== Into RIRA for Spouse

12/05/16 3789.74 14547.84166 <== Rollover from 401k into TIRA for Me

02/02/17 -6171.88         -23131.4583 <== Into RIRA for Spouse

08/23/17 -11548.89 -39875.54625 <== Into RIRA for Spouse

03/02/18 -11000.03 -35146.39512 <== Into RIRA for Spouse

08/23/18 -2033.93         -6055.375604 <== Into RIRA for Spouse

09/10/19 33852.59         86270.37532 <== Rollover from  401k into TIRA for Spouse

01/26/22 6000 10744.54935 <== Into RIRA for Spouse

01/31/22 14000 25019.77088 <== Into RIRA for Me

02/04/22 39438.03         70366.37462 <== Rollover from  401k into TIRA for Spouse

03/01/22 6000 10597.24327 <== Into RIRA for Spouse

08/28/23 27586.29         39051.14824 <== Rollover from  401k into TIRA for Spouse

10/03/23 14654.42         20443.77911 <== Rollover from 401k into TIRA for Me

11/12/24 110277.26 130463.0625 <== Rollover from 401k into TIRA for Me

03/07/25 1621.01 1830.244344 <== Rollover from 401k into TIRA for Me

Final Balance: 1942368.01

Had I invested all the above deposits into a bond returning 15.97% per year, we would have a balance of $1,942,368.01 today.

The following image summarizes my family's brokerage account balances totaling $1,942,368.01:

Gold since November 22, 2006 has appreciated 10.57% per year on average.

You can review my January 1, 2025 post to verify the above data through then.  This link leads to images that show all transactions in all seven accounts since January 1, 2025.

I Am Now Beating Gold By 4.78% Per Year For The Past 18.13 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 12.95% per year.  You can also manipulate the table below in this spreadsheet.

       Deposits Grew To:
11/22/06 2000 18193.84         <== Into CESA for Child #1
04/12/07 4000 34715.10         <== Into RIRA for Spouse
04/12/07 4000 34715.10         <== Into RIRA for Me
06/26/07 2000 16928.49         <== Into CESA for Child #1

01/02/08 4000 31776.82         <== Into RIRA for Me

01/02/08 4000 31776.82         <== Into RIRA for Spouse

05/28/08 5000 37819.43         <== Into RIRA for Me

05/28/08 5000 37819.43         <== Into RIRA for Spouse

06/10/08 2000 15062.28         <== Into CESA for Child #1

02/24/11 3000 16242.04         <== Into RIRA for Spouse

08/01/11 5000 25679.67         <== Into RIRA for Me

09/23/11 2500 12614.73         <== Into RIRA for Spouse

10/17/11 500 2502.81 <== Into RIRA for Spouse
01/17/12 25056.11 121629.55 <== Rollover from  401k into TIRA for Spouse
01/20/12-10520 -51016.00 <== Rollover to PMCP from RIRA for Spouse
01/20/12-10530 -51064.49 <== Rollover to PMCP from RIRA for Me
02/28/12 2000 9573.44 <== Into RIRA for Spouse
11/05/12-2000 -8804.18         <== Withdrawal from Spouse's RIRA
12/21/12 2000 8670.06 <== Into RIRA for Spouse
01/09/13 1500 6461.44 <== Into RIRA for Spouse
01/24/13 1500 6429.18 <== Into RIRA for Spouse
01/25/13 97745.61 418809.75 <== Rollover from 401k into TIRA for Me
02/21/13  500 6369.38 <== Into RIRA for Me
03/04/13 2000 8461.39 <== Into RIRA for Me
03/20/13 1500 6312.25 <== Into RIRA for Me
03/20/13 3000 12624.50         <== Into RIRA for Me
08/30/13 2000 7970.73 <== Into RIRA for Me
09/04/13 1000 3978.72 <== Into RIRA for Spouse
09/12/13 1500 5952.17 <== Into RIRA for Spouse
09/26/13 500 1974.80 <== Into RIRA for Me
09/27/13 2000 7896.60 <== Into RIRA for Spouse
10/28/13 1000 3907.66 <== Into RIRA for Spouse
11/08/13 2000 7786.69 <== Into CESA for Child #2
11/22/13 2000 7750.39 <== Into CESA for Child #3
12/06/13 2000 7714.26 <== Into CESA for Child #1
01/02/14 2750 10511.97         <== Into RIRA for Me

03/18/14 -2491.72 -9289.24         <== Into RIRA for Spouse

07/07/14 1000 3592.47 <== Into RIRA for Spouse
07/18/14 1000 3579.30 <== Into RIRA for Spouse
09/10/14 12224.18 42972.67         <== Rollover from  401k into TIRA for Spouse

10/03/14 2000 6977.00 <== Into RIRA for Spouse
10/23/14 2750 9529.56 <== Into RIRA for Me
10/23/14 1500 5197.94 <== Into RIRA for Spouse
10/23/14 2000 6930.59 <== Into CESA for Child #2
10/23/14 2000 6930.59 <== Into CESA for Child #3
10/23/14 2000 6930.593         <== Into CESA for Child #1

01/02/15 5500 18612.84         <== Into RIRA for Me

01/02/15 5500 18612.84         <== Into RIRA for Spouse

12/05/16 3789.74 10143.07         <== Rollover from 401k into TIRA for Me

02/02/17 -6171.88 -16196.69 <== Into RIRA for Spouse
08/23/17 -11548.89 -28331.67 <== Into RIRA for Spouse
03/02/18 -11000.03 -25318.80 <== Into RIRA for Spouse
08/23/18 -2033.93 -4417.39         <== Into RIRA for Spouse

09/10/19 33852.59 64701.15         <== Rollover from  401k into TIRA for Spouse

01/26/22 6000 8580.69 <== Into RIRA for Spouse
01/31/22 14000 19988.23         <== Into RIRA for Me

02/04/22 39438.03 56231.78         <== Rollover from  401k into TIRA for Spouse

03/01/22 6000 8483.87 <== Into RIRA for Spouse
08/28/23 27586.29 32519.70         <== Rollover from  401k into TIRA for Spouse

10/03/23 14654.42 17068.84         <== Rollover from 401k into TIRA for Me

11/12/24 110277.26 112170.24 <== Rollover from 401k into TIRA for Me
Final Balance: 1251947.20

Had I invested all the above deposits into a bond returning 12.95% per year, we would have a balance of $1,251,947.20 today.

The following image summarizes my family's brokerage account balances totaling $1,251,947.20:

Gold since November 22, 2006 has appreciated 8.17% per year on average.

You can review my December 30, 2023 post to verify the above data through then.  This link leads to images that show all transactions in all seven accounts since December 30, 2023.

The 2024 transactions include zero withdrawals and only one deposit: a $110,277.26 rollover on November 11, 2024 from my 401k into my TIRA.

I Am Now Beating Gold By 11.62% Per Year For The Past 17.12 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 18.77% per year.  You can also manipulate the table below in this spreadsheet.

Deposits            Grew To: 
11/22/06  2000                  38037.48<== Into CESA for Child #1
04/12/07  4000 71184.17<== Into RIRA for Spouse
04/12/07  4000 71184.17<== Into RIRA for Me
06/26/07  2000 34356.05<== Into CESA for Child #1
01/02/08  4000 62826.97<== Into RIRA for Me
01/02/08  4000 62826.97<== Into RIRA for Spouse
05/28/08  5000 73277.35<== Into RIRA for Me
05/28/08  5000 73277.35<== Into RIRA for Spouse
06/10/08  2000 29131.92<== Into CESA for Child #1
02/24/11  3000 27418.43<== Into RIRA for Spouse
08/01/11  5000 42418.34<== Into RIRA for Me
09/23/11  2500 20685.98<== Into RIRA for Spouse
10/17/11   500          4090.67<== Into RIRA for Spouse
01/17/12 25056.11      196294.53<== Rollover from  401k into TIRA for Spouse
01/20/12-10520 -82299.33<== Rollover to PMCP from RIRA for Spouse
01/20/12-10530 -82377.56<== Rollover to PMCP from RIRA for Me
02/28/12  2000 15361.32<== Into RIRA for Spouse
11/05/12 -2000 -13647.61<== Withdrawal from Spouse's RIRA
12/21/12  2000 13354.93<== Into RIRA for Spouse
01/09/13  1500   9926.91<== Into RIRA for Spouse
01/24/13  1500   9856.99<== Into RIRA for Spouse
01/25/13 97745.61         642015.60<== Rollover from 401k into TIRA for Me
02/21/13  1500   9727.77<== Into RIRA for Me
03/04/13  2000 12903.30<== Into RIRA for Me
03/20/13  1500   9604.78<== Into RIRA for Me
03/20/13  3000 19209.56<== Into RIRA for Me
08/30/13  2000 11859.47<== Into RIRA for Me
09/04/13  1000   5915.78<== Into RIRA for Spouse
09/12/13  1500   8840.27<== Into RIRA for Spouse
09/26/13   500           2927.38<== Into RIRA for Me
09/27/13  2000 11704.00<== Into RIRA for Spouse
10/28/13  1000   5767.13<== Into RIRA for Spouse
11/08/13  2000 11474.62<== Into CESA for Child #2
11/22/13  2000 11399.16<== Into CESA for Child #3
12/06/13  2000 11324.20<== Into CESA for Child #1
01/02/14  2750 15373.90<== Into RIRA for Me
03/18/14 -2491.72        -13446.23<== Into RIRA for Spouse
07/07/14  1000   5121.33<== Into RIRA for Spouse
07/18/14  1000   5094.85<== Into RIRA for Spouse
09/10/14 12224.18        60715.46<== Rollover from  401k into TIRA for Spouse
10/03/14  2000  9826.57<== Into RIRA for Spouse
10/23/14  2750        13384.79<== Into RIRA for Me
10/23/14  1500   7300.79<== Into RIRA for Spouse
10/23/14  2000   9734.39<== Into CESA for Child #2
10/23/14  2000   9734.39<== Into CESA for Child #3
10/23/14  2000   9734.39<== Into CESA for Child #1
01/02/15  5500 25888.68<== Into RIRA for Me
01/02/15  5500 25888.68<== Into RIRA for Spouse
12/05/16  3789.74          12807.79<== Rollover from 401k into TIRA for Me
02/02/17 -6171.88        -20286.49<== Into RIRA for Spouse
08/23/17-11548.89        -34513.30<== Into RIRA for Spouse
03/02/18-11000.03        -30043.35<== Into RIRA for Spouse
08/23/18 -2033.93         -5117.74<== Into RIRA for Spouse
09/10/19 33852.59        71112.46<== Rollover from  401k into TIRA for Spouse
01/26/22  6000  8368.50<== Into RIRA for Spouse
01/31/22 14000        19480.54<== Into RIRA for Me
02/04/22 39438.03        54773.38<== Rollover from  401k into TIRA for Spouse
03/01/22  6000  8235.48<== Into RIRA for Spouse
08/28/23 27586.29        29287.77<== Rollover from  401k into TIRA for Spouse
10/03/23 14654.42        15296.55<== Rollover from 401k into TIRA for Me
Final Balance:    $1,765,612.70    

Had I invested all the above deposits into a bond returning 18.77% per year, we would have a balance of $1,765,612.70 today. 

The following image summarizes my family's brokerage account balances totaling $1,765,612.70:

Gold since November 22, 2006 has appreciated 7.15% per year on average.

You can review my December 31, 2022 post to verify the above data through then.  The following link leads to images that show all deposits and withdrawals in all seven accounts since December 31, 2022:

https://drive.google.com/drive/folders/14fdepH4-3F8h61IlISDMnSJynpwzENd4?usp=sharing  

The transactions include zero withdrawals, and two deposits: (1) a $27,586.29 rollover from Mrs. Horg's 401k into her TIRA, and (2) a $14,654.42 rollover from my 401k into my TIRA.

The following images of all deposits and withdrawals in all seven accounts since December 31, 2022 are numerous, so you can likely get a better view by clicking the above link.

The following image shows the current balances in all seven brokerage accounts:

I Am Now Beating Gold By 10.73% Per Year For The Past 16.13 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 17.53% per year.  You can also manipulate the table below in this spreadsheet.

               Deposits    Grew To: 

06/11/22 2000        27043.29 <== Into CESA for Child #1

07/04/12 4000 50815.42 <== Into RIRA for Spouse

07/04/12 4000 50815.42 <== Into RIRA for Me

07/06/26 2000 24578.41 <== Into CESA for Child #1

08/01/02 4000 45193.31 <== Into RIRA for Me

08/01/02 4000 45193.31 <== Into RIRA for Spouse

08/05/28 5000 52934.31 <== Into RIRA for Me

08/05/28 5000 52934.31 <== Into RIRA for Spouse

08/06/10 2000 21052.28 <== Into CESA for Child #1

11/02/24 3000 20386.77 <== Into RIRA for Spouse

11/08/01 5000 31683.74 <== Into RIRA for Me

11/09/23 2500 15474.7 <== Into RIRA for Spouse

11/10/17 500         3062.25 <== Into RIRA for Spouse

12/01/17 25056.11 147334.94<== Rollover from  401k into TIRA for Spouse

12/01/20 -10520 -61777.65<== Rollover to PMCP from RIRA for Spouse

12/01/20 -10530 -61836.37<== Rollover to PMCP from RIRA for Me

12/02/28 2000 11543.87 <== Into RIRA for Spouse

12/11/05 -2000 -10330.48<== Withdrawal from Spouse's RIRA

12/12/21 2000 10122.35 <== Into RIRA for Spouse

13/01/09 1500 7528.21 <== Into RIRA for Spouse

13/01/24 1500 7478.41 <== Into RIRA for Spouse

13/01/25 97745.61 487105.55<== Rollover from 401k into TIRA for Me

13/02/21 1500 7386.33 <== Into RIRA for Me

13/03/04 2000 9800.63 <== Into RIRA for Me

13/03/20 1500 7298.62 <== Into RIRA for Me

13/03/20 3000 14597.24 <== Into RIRA for Me

13/08/30 2000 9054.36 <== Into RIRA for Me

13/09/04 1000 4517.18 <== Into RIRA for Spouse

13/09/12 1500 6751.83 <== Into RIRA for Spouse

13/09/26 500         2236.71 <== Into RIRA for Me

13/09/27 2000 8942.88 <== Into RIRA for Spouse

13/10/28 1000 4410.53 <== Into RIRA for Spouse

13/11/08 2000 8778.23 <== Into CESA for Child #2

13/11/22 2000 8724.02 <== Into CESA for Child #3

13/12/06 2000 8670.15 <== Into CESA for Child #1

14/01/02 2750 11779.89 <== Into RIRA for Me

14/03/18 -2491.72 -10325.14<== Into RIRA for Spouse

14/07/07 1000 3945.19 <== Into RIRA for Spouse

14/07/18 1000 3926.03 <== Into RIRA for Spouse

14/09/10 12224.18 46859.44 <== Rollover from  401k into TIRA for Spouse

14/10/03 2000 7589.06 <== Into RIRA for Spouse

14/10/23 2750 10343.02 <== Into RIRA for Me

14/10/23 1500 5641.65 <== Into RIRA for Spouse

14/10/23 2000 7522.2 <== Into CESA for Child #2

14/10/23 2000 7522.2 <== Into CESA for Child #3

14/10/23 2000 7522.2 <== Into CESA for Child #1

15/01/02 5500 20046.3 <== Into RIRA for Me

15/01/02 5500 20046.3 <== Into RIRA for Spouse

16/12/05 3789.74 10120.35 <== Rollover from 401k into TIRA for Me

17/02/02 -6171.88 -16057.07<== Into RIRA for Spouse

17/08/23 -11548.89-27477.27<== Into RIRA for Spouse

18/03/02 -11000.03-24050.57<== Into RIRA for Spouse

18/08/23 -2033.93 -4117.49 <== Into RIRA for Spouse

19/09/10 33852.59 57848.57 <== Rollover from  401k into TIRA for Spouse

22/01/26 6000 6980.21 <== Into RIRA for Spouse

22/01/31 14000 16251.17 <== Into RIRA for Me

22/02/04 39438.03 45698.62 <== Rollover from  401k into TIRA for Spouse

22/03/01 6000 6875.99 <== Into RIRA for Spouse

Final Balance:     $1,293,995.91   

Had I invested all the above deposits into a bond returning 17.53% per year, we would have a balance of $1,293,995.91 today.

The following image summarizes my family's brokerage account balances totaling $1,293,995.91:

Gold since November 22, 2006 has appreciated 6.80% per year on average.

You can review my March 5, 2022 post to verify the above data through then.  The following link leads to images that show all transactions in all seven accounts since March 5, 2022.  The transactions show all stock buys and sales and neither deposits nor withdrawals:

https://drive.google.com/drive/folders/1rXEky9JUGC9MKcW8zegtS35AGrUgB5_v?usp=sharing

The following images of all transactions in all seven accounts since March 5, 2022 are numerous, so you can likely get a better view by clicking the above link.

  

The following image shows 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/1rXEky9JUGC9MKcW8zegtS35AGrUgB5_v

I Am Now Beating Gold By 13.15% Per Year For The Past 15.3 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 20.88% per year.  You can also manipulate the table below in this spreadsheet.

         Deposits    Grew To:

11/22/06 2000 36397.08 <== Into CESA for Child #1
04/12/07 4000 67651.86 <== Into RIRA for Spouse
04/12/07 4000 67651.86 <== Into RIRA for Me
06/26/07 2000 32533.13 <== Into CESA for Child #1
01/02/08 4000 58949.77 <== Into RIRA for Me
01/02/08 4000 58949.77 <== Into RIRA for Spouse
05/28/08 5000 68268.67 <== Into RIRA for Me
05/28/08 5000 68268.67 <== Into RIRA for Spouse
06/10/08 2000 27123.64 <== Into CESA for Child #1
02/24/11 3000 24337.17 <== Into RIRA for Spouse
08/01/11 5000 37365.08 <== Into RIRA for Me
09/23/11 2500 18175.09 <== Into RIRA for Spouse
10/17/11 500 3589.97 <== Into RIRA for Spouse
01/17/12 25056.11 171504.12 <== Rollover from  401k into TIRA for Spouse
01/20/12 -10520 -71895.17 <== Rollover to PMCP from RIRA for Spouse
01/20/12 -10530 -71963.51 <== Rollover to PMCP from RIRA for Me
02/28/12 2000 13394.1 <== Into RIRA for Spouse
11/05/12 -2000 -11756.42 <== Withdrawal from Spouse's RIRA
12/21/12 2000 11478.76 <== Into RIRA for Spouse
01/09/13 1500 8524.5 <== Into RIRA for Spouse
01/24/13 1500 8458.32 <== Into RIRA for Spouse
01/25/13 97745.61 550889.64 <== Rollover from 401k into TIRA for Me
02/21/13 1500 8336.16 <== Into RIRA for Me
03/04/13 2000 11051.53 <== Into RIRA for Me
03/20/13 1500 8220.03 <== Into RIRA for Me
03/20/13 3000 16440.06 <== Into RIRA for Me
08/30/13 2000 10070.04 <== Into RIRA for Me
09/04/13 1000 5021.95 <== Into RIRA for Spouse
09/12/13 1500 7501.68 <== Into RIRA for Spouse
09/26/13 500 2482.44 <== Into RIRA for Me
09/27/13 2000 9924.59 <== Into RIRA for Spouse
10/28/13 1000 4883.01 <== Into RIRA for Spouse
11/08/13 2000 9710.36 <== Into CESA for Child #2
11/22/13 2000 9639.98 <== Into CESA for Child #3
12/06/13 2000 9570.12 <== Into CESA for Child #1
01/02/14 2750 12975.6 <== Into RIRA for Me
03/18/14 -2491.72 -11307.59 <== Into RIRA for Spouse
07/07/14 1000 4283.74 <== Into RIRA for Spouse
07/18/14 1000 4259.33 <== Into RIRA for Spouse
09/10/14 12224.18 50626.27 <== Rollover from  401k into TIRA for Spouse
10/03/14 2000 8184.58 <== Into RIRA for Spouse
10/23/14 2750 11137.45 <== Into RIRA for Me
10/23/14 1500 6074.97 <== Into RIRA for Spouse
10/23/14 2000 8099.97 <== Into CESA for Child #2
10/23/14 2000 8099.97 <== Into CESA for Child #3
10/23/14 2000 8099.97 <== Into CESA for Child #1
01/02/15 5500 21468.15 <== Into RIRA for Me
01/02/15 5500 21468.15 <== Into RIRA for Spouse
12/05/16 3789.74 10266.17 <== Rollover from 401k into TIRA for Me
02/02/17 -6171.88 -16214.48 <== Into RIRA for Spouse
08/23/17 -11548.89 -27317.71 <== Into RIRA for Spouse
03/02/18 -11000.03 -23561.26 <== Into RIRA for Spouse
08/23/18 -2033.93 -3979.95 <== Into RIRA for Spouse
09/10/19 33852.59 54288.63 <== Rollover from  401k into TIRA for Spouse
01/26/22 6000 6126 <== Into RIRA for Spouse
01/31/22 14000 14256.92 <== Into RIRA for Me
02/04/22 39438.03 40078.4 <== Rollover from  401k into TIRA for Spouse
03/01/22 6000 6018.73 <== Into RIRA for Spouse
Final Balance: $1,504,180.07

Had I invested all the above deposits into a bond returning 20.88% per year, we would have a balance of $1,504,180.07 today.

The following image summarizes my family's brokerage account balances totaling $1,504,180.07:

Gold since November 22, 2006 has appreciated 7.73% per year on average.

You can review my February 4, 2022 post to verify the above data through then.  The following link leads to images that show all transactions in all seven accounts since February 4, 2022.  The transactions show all stock buys and sales and $6,000 into the RIRA for Spouse:

https://drive.google.com/drive/folders/1-cDFVRb1uNtCTYX4UPP-1pwnbA_MWZRA?usp=sharing

The following images of all transaction in all seven accounts since February 4, 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:

https://drive.google.com/drive/folders/1-cDFVRb1uNtCTYX4UPP-1pwnbA_MWZRA?usp=sharing

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:

https://drive.google.com/drive/folders/1eSaYBLG1LH4mfX_q7M4O90TsJYQRJM5J?usp=sharing

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:

https://drive.google.com/drive/folders/1eSaYBLG1LH4mfX_q7M4O90TsJYQRJM5J?usp=sharing