Wednesday, May 31, 2017

May 2017 update ($429,446 +$11,446 or +3%)



Emerging Markets Stock Index Fund is up  by 1.6% or $1,764
Eurozone Stock Index Fund is up by 1.7% or $1,934
US 500 Stock Index Fund is up by 1.3% or $1,342
Global Small Cap Index is up by 0.3 or $301
EUR is up to USD by 3% or $6,102
Grand total additions:  $11,446

Wednesday, May 3, 2017

Financial independence portfolio performance review



I think that benchmarking, when used in the right context is a representative reflection of affairs, especially in finance where it is numbers game. I analyzed my portfolio performance and investment choices made.

These are better presented in a table (all sum of money is in thousands):

2012
2013
2014
2015
2016
2017
Cumulative
21
140
202
215
303
303
Inflation adjusted
22
146
217
236
337
347
S&P500
23
173
265
280
412
440
Yearend value
20.7
141
169
167
316
304

Cumulative:              The invested money added up together.
Inflation adjusted:   The invested money adjusted for the inflation and added up together (as if I would have invested in Treasury Inflation Protected Securities aka TIPS).
S&P500:                     If I would invest money in S&P500 (commissions are not included).
Yearend value:          Value of my portfolio at the end of the year (including received dividends).

Here is the same information presented on a chart and “how and  why” this happened and what to do next.

Wednesday, April 26, 2017

April 2017 update ($390,514 +$10,514 or +3%)


Gazprom shares are up 5% or $5,778
            ↑ iShares core DAX is up 1% or $257
            ↑ iShares Emerging markets Sovereign debt ETF (IEMB ) is up by 1% or $200
            ↑ iShares Emerging markets Corporate debt ETF (EMCR) is up by 1% or $280
            ↑ EUR is up to USD by 2% or $4,961
            ↑ GBP is up to USD by 2% or $715
             Grand total additions:  $12,191
            
            ↓ Company shares are down by 2% or $500
            ↓ Vanguard S&P500 ETF is down by 1% or $803
            ↓ Rosneft shares are down by 4% or $449
             Grand total losses:  $1,752

Sunday, April 2, 2017

March 2017 update ($384,408 -$5,531 or +1%)

Vanguard Emerging markets ETF is up by 1% or $161
  Company shares are up by 1% or $201
Rosneft shares are up by 2% or $225
iShares core DAX wen up 4% or $920
GBP is up to USD by 1%, for my portfolio it is $358
Precious metals are up by 1% or  $531
Grand total additions:  $2,396

Vanguard S&P500 ETF is dow by 1% or $642
Gazprom shares are down 6% or $7,223
iShares Emerging markets sovereign debt ETF (IEMB ) down by $60

Grand total losses:  $7,925

Monday, February 27, 2017

February 2017 update ($389,939 +$3,228 or +1%)

Vanguard Emerging markets ETF is up by 4% or $567
Vanguard S&P500 ETF is up by 4% or $2,993
iShares core DAX wen up 1% or $273
iShares Emerging markets sovereign debt ETF (IEMB )  is up by 2% or $399
iShares Emerging markets  Corporate bonds ETF (EMCR) is up by 1% or $546
Precious metals are up by 3% or $296
Dividends Vanguard Emerging markets  (VFEM) for Q4 2016 - $35
Dividends  Vanguard S&P 500 (VUSA) Q4 2016 - $270
Dividends  iShares EM MRK SOUV BD  - $209
Dividends  iShares EM MRK CORP BD  second quarter benefits - $924
EUR is up to USD by 2%, for my portfolio it is $5,081
GBP is up to USD by 1%, for my portfolio it is $358
Grand total additions:  $11,887

Rosneft shares are down by 19% or $2,205 for my portfolio.
Gazprom shares are down 5% or $5,670
Company shares are down by 3% or $784

Grand total losses:  $8,659

Tuesday, January 31, 2017

January 2017 update ($386,711 -$1,120 or -0.3%)

Vanguard Emerging markets ETF is up by 6% or $882
Rosneft shares went up by 2% or $221 for my portfolio.
iShares core DAX wen up 2% or $378
iShares Emerging markets sovereign debt ETF (IEMB )  is up by 1% or $300
iShares Emerging markets  Corporate bonds ETF (EMCR) is up by 2% or $880
Precious metals are up by 7% or $686
Grand total additions:  $3,347
 
Vanguard S&P500 ETF is down 1% or $945
Gazprom shares are down 2% or $2,835
Company shares are down by 3% or $687
Grand total losses:  $ 4,467

Sunday, January 22, 2017

2017 Financial Independence Goals

This year it took me a little bit longer to come up with financial independence goals. The journey continues but at a slower pace. I am with the same company but on a half of the salary, doing more hours than ever before.
Focus in the coming year will be on sharpening and developing new skills and knowledge to move on.

Than you think about it  - over 25% of our income goes towards mortgage, house bills and property tax, I need to adjust now.

Financial goals.
- Accumulate $10 K a year, with $4k of them towards long term house maintenance.
- Portfolio – go 0% cash for savings as of end 2016.  Generate $10K in dividends. Portfolio to be $430 K by end of the year.
- Develop additional income source in full, potential reward about $2,000 a year.

Blog:
- Regular monthly updates.
- To cover 6 themes on financial independence. Two of them : mortgage, 30 year forecast scenario.
- Publish easy tracker for the long-term portfolio performance.
 
Educational:
- Create list of books to read - 12 books is minimum.
- Read the books.
- Publish the books reviews.

Family Budget:
- Stay under 110%  of 2016 budget. Increase is due to additional cost of commuting.


Be happy.  Run 1,000 miles during the year. Keep BMI below, target 26.5 (current 27.7).