Wednesday, January 4, 2017

2016 Financial Independence Goals ($387,831 +$92,295 or +31%)



Financial goals.
- Accumulate at least $24K a year. Stretched target - $50K.  Partially complete. Accumulated approximately $ 38K.
- Portfolio should be able to generate $8,000 a year after taxes in the money of the day.  – Complete.  Without seeing end of the year result from some of the companies received $8 K after taxes.
- Develop additional income source in full, potential reward about $2,000 a year – Not achieved, although some measurable progress made.
- Less than 5% of portfolio in cash by end of the year and $350 K overall net worth in the money of the day – Partially achieved, portfolio $387 K but approximately 11% in cash.

 Blog:
- Regular monthly updates – Not achieved. (Missed September update).
- To cover 6 themes on financial independence -  Portfolio performance, Assets Allocation,  Energy stocks screening and Family budget. Missing one more theme.
- Publish easy tracker for the long-term portfolio performance – Not achieved.
 
Educational:
- Create list of books to read - 12 books are minimum. Not achieved. Read only two, not achieved.
- Read the books.
- Publish the books reviews – Not achieved.
 
Family Budget:
- Stay under $100,000 with the family expenses – Achieved. Spent $84K.
- Accumulate $7,000 towards durable goods replacement over 10 years – Achieved.

Be happy.  Run 1,000 miles during the year. Keep BMI below, target 26.6 (current 27.5)- Partially complete. Ran 1,022 miles but BMI is 27.4.

Friday, December 23, 2016

December 2016 update ($387,831 +$12,471 or +3%)



Vanguard S&P500 ETF went up by 4% or $2,226 for my portfolio.
Gazprom shares went up by 7% or $8,586 for my portfolio.
Company shares went up by 10% or $2,277.
Rosneft shares went up by 22% or $2,449 for my portfolio.
iShares core DAX wen up 7% or $1,442.
iShares Emerging markets sovereign debt ETF (IEMB )  is marginally up by $80
Dividends Emerging markets sovereign bond (IEMB ) – $86 or 5% annually.
Grand total additions:  $16,986
 ↓ Vanguard Emerging markets ETF is slightly down by 1% or $127.
Emerging markets corporate bond ETF (EMCR) lost 1 or $440
Precious metals are down by 8% or $792
EUR lost to USD 1%,  for my portfolio it is $2,441
GBP lost to USD  2%, for my portfolio it is $715.
Grand total losses:  $ 4,515

Wednesday, November 30, 2016

Financial Independence Family Budget 2007 -2016

     This year I continue to analyse and publish our family budget.  Over the period of 8 years this helped us to understand better our expenses and more accurately plan our future.
     Tracking daily expenses takes no more than a few minutes a day. We are simply doing it in a spreadsheet.  More historical data helps to make sense of it, look at the inflation – actual and imaginary.
    For example, we have been renting out the same house for the last 5 years – home bills (energy, property taxes) cumulatively went up by 12%. As an observation - it is much more beneficial to stay in the same house when renting. Rent rate went by 4% over 5 years (once we moved out the property owner pushed it up by 12%, admittedly the house is still on the market 3 months later).

Financial independence family budget 2016-2007:
Financial independence family budget. True story - http://www.niterainbow.com

Sunday, November 27, 2016

November 2016 update ($375,360 +$13,935 or +4%)

Gazprom shares went up by 13% or $14,715 for my portfolio.
Vanguard Emerging markets ETF went up  by 10% or $6,050.
Company shares went up by 4% or $814.
iShares core DAX wen up 3% or $545.
Vanguard Emerging markets ETF went up by $33.
GBP went up to USD by 4%, for my portfolio it is $1,788.
Grand total additions:  $23,945
iShares Emerging markets sovereign debt ETF (IEMB )  lost 4% or $960
Emerging markets corporate bond ETF (EMCR) lost 3% or $1,440
Precious metals are down by 3% or $285
EUR lost to USD 3%,  for my portfolio it is $7,324

Grand total losses:  $ 10,009

Monday, October 31, 2016

October 2016 update ($361,425 -$6,613 or -2%)



First of I would like to apologise for missing September update. When I looked through the files I could not believe it that I did it.  That was completely unintentional. I accepted a new job, although it is half pay from what I used to have it took a lot of my attention and time  - 50 hours plus working week is a new normal.


↑ Gazprom shares went up by 6% or $5,600 for my portfolio.
↑ Company shares went up by 2% or $623 (including dividends reinvestment).
↑ Rosneft shares went up by  6% or $706.
↑ Emerging markets corporate bond ETF went up by $120.
↑ Dividends Emerging markets sovereign bond (IEMB ) – $192 or 5% annually.
↑ Dividends Vanguard Emerging markets  $196 -  or 1.9% annually.
↑ Dividends Vanguard S&P500 – $279  or 1.8% annually.
Grand total additions: $7,716


↓ Vanguard Emerging markets ETF lost 1% or $101.
↓ Vanguard S&P500 lost 3% or $1,680.↓ iShares core DAX lost 2% or $336.
↓ iShares Emerging markets sovereign debt ETF lost 2% or $560.
↓ Precious metals are down by 6% or $677.
↓ EUR lost to USD 3%,  for my portfolio it is $6,554.
↓GBP lost to USD 9%, for my portfolio it is $4,420.
Grand total losses:  $ 14,328.

Sunday, August 28, 2016

August 2016 update ($367,547 +$15,405 or +4%)



Accumulated $4,000 USD as part of my annual saving goal for August.
Dividends Rosneft  334 USD or 3% annually
Dividends Gazprom 6,110 USD or 5.8% annually
Dividends Emerging markets sovereign bond (IEMB ) – 101 USD or 4.6% annually.
Vanguard emerging markets (VFEM) up by 297 USD
Rosneft  is up by 693 USD
iShares Core Dax is up by 484 USD
Emerging markets sovereign bond index  (IEMB ) up by 300 USD
Emerging markets corporate bond index  (EMCR) up by 480 USD
EUR is up to USD by 2% or $4,263 USD for my portfolio
GBP is up to USD by 2% or $655 USD for my portfolio
Grand total additions: $ 16,721 USD

Company shares are down by $1,073
Precious metals are down by $249 USD
Grand total losses:  $1,322 USD 

Friday, July 29, 2016

July 2016 update ($352,142 +$838 or +0%)



↑ Accumulated $4,000 USD as part of my annual saving goal for July.
↑ Vanguard emerging markets (VFEM) up by 693 USD
↑ Vanguard S&P500 is up by 2,310 USD
↑ iShares Core Dax is up by 1,100 USD
↑ Emerging markets sovereign bond index  (IEMB ) up by 300 USD
↑ Emerging markets corporate bond index  (EMCR) up by 680 USD
↑ Precious metals are up by 610 USD
↑ Dividends Vanguard Emerging markets  78 USD -  or 1.5% annually.
↑ Dividends Vanguard S&P500 – 250 USD or 1.8% annually.
↑ Dividends Emerging markets sovereign bond (IEMB ) – 90 USD or 4.2% annually.
↑ Dividends Emerging markets corporate bond index  (EMCR) -904 USD or 4% annually.
Grand total additions: $11,015 USD

↓ Gazprom shares are down by 5,500 USD
↓ Company shares are down by 1,118 USD
↓ Rosneft  are down by 231 USD
↓ EUR is down to USD by 1% for my EUR exposure it is 2,131 USD
↓ GBP is down to USD by 3% for  my GBP exposure it is 1,186 USD
Grand total losses:  $10,166